Summary
Operando is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €86,287 and a net result of €48,864. Equity is growing by about 29% per year across the filed financial years. Its solvency ranks better than 17% of 9,723 sector peers (NACE 64, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- €86,287
- Profit
- €48,864
Signalsraises riskWeak solvency vs sectorneutralLatest accounts filed on timeShow the evidence
Checked score
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Signals
This company filed its last 4 accounts on average 43 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
- Resignation: Sven Schepens (director)Appointment: Dominique De Caluwé (director)…
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2022 to 2025, 4 financial years
The operating result recovers in 2025; 2025 is 75% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €229 | €1,764 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33,485 | - | €16,541 | €24,230 | ▲ 46.5% |
| Other operating charges640/8 | €348 | €548 | €1,665 | €3,055 | ▲ 83.5% |
| Gross operating margin9900 | €39,696 | €79,420 | €72,502 | €119,178 | ▲ 64.4% |
| Operating profit (loss)9901 | €5,864 | €78,642 | €52,532 | €91,892 | ▲ 74.9% |
| Financial charges65/66B | €1,670 | €14,446 | €26,076 | €27,491 | ▲ 5.4% |
| Recurring financial charges65 | €1,670 | €14,446 | €26,076 | €27,491 | ▲ 5.4% |
| Profit (loss) for the period before taxes9903 | €4,194 | €64,196 | €26,456 | €64,401 | ▲ 143% |
| Income taxes67/77 | €381 | €6,043 | €7,135 | €15,538 | ▲ 118% |
| Profit (loss) for the period9904 | €3,813 | €58,153 | €19,321 | €48,864 | ▲ 153% |
| Profit (loss) for the period to be appropriated9905 | €3,813 | €58,153 | €19,321 | €48,864 | ▲ 153% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €624,521 | €714,466 | €722,333 | €820,077 | ▲ 13.5% |
| Fixed assets21/28 | €526,331 | €572,663 | €682,032 | €753,056 | ▲ 10.4% |
| Tangible fixed assets22/27 | €526,331 | €572,663 | €682,032 | €753,056 | ▲ 10.4% |
| Land and buildings22 | €526,331 | €572,663 | €682,032 | €753,056 | ▲ 10.4% |
| Current assets29/58 | €98,190 | €141,803 | €40,301 | €67,021 | ▲ 66.3% |
| Amounts receivable within one year40/41 | €63,548 | €119,321 | €33,470 | €55,041 | ▲ 64.5% |
| Trade receivables40 | €10,500 | €84,540 | €4,240 | €36,560 | ▲ 762% |
| Other amounts receivable41 | €53,048 | €34,781 | €29,230 | €18,481 | ▼ 36.8% |
| Cash at bank and in hand54/58 | €34,642 | €12,015 | €5,574 | €3,106 | ▼ 44.3% |
| Deferred charges and accrued income490/1 | - | €10,467 | €1,257 | €8,874 | ▲ 606% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €624,521 | €714,466 | €722,333 | €820,077 | ▲ 13.5% |
| Equity10/15 | €8,813 | €66,966 | €86,287 | €86,287 | = |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €3,813 | €61,966 | €81,287 | €81,287 | = |
| Distributable reserves133 | €3,813 | €61,966 | €81,287 | €81,287 | = |
| Profit (loss) carried forward14 | - | - | - | €0 | - |
| Amounts payable17/49 | €615,708 | €647,500 | €636,046 | €733,790 | ▲ 15.4% |
| Amounts payable after more than one year17 | €489,353 | €460,221 | €430,258 | €399,439 | ▼ 7.2% |
| Financial debts170/4 | €489,353 | €460,221 | €430,258 | €399,439 | ▼ 7.2% |
| Amounts payable within one year42/48 | €126,355 | €187,279 | €205,789 | €334,351 | ▲ 62.5% |
| Current portion of amounts payable after more than one year42 | €28,323 | €29,131 | €29,963 | €30,819 | ▲ 2.9% |
| Trade debts44 | €901 | €9,241 | €6,741 | €24,035 | ▲ 257% |
| Suppliers440/4 | €901 | €9,241 | €6,741 | €24,035 | ▲ 257% |
| Taxes, remuneration and social security45 | - | €3,441 | €1,043 | €3,906 | ▲ 274% |
| Taxes450/3 | - | €3,441 | €1,043 | €3,906 | ▲ 274% |
| Other amounts payable47/48 | €97,131 | €145,466 | €168,041 | €275,591 | ▲ 64.0% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,813 | €58,153 | €19,321 | €48,864 | ▲ 153% |
| + Depreciation and write-downs630 | €33,485 | - | €16,541 | €24,230 | ▲ 46.5% |
| Operating cash flow (approximation) | €37,297 | €58,153 | €35,862 | €73,094 | ▲ 104% |
| Investment in fixed assets (approximation) | - | -€46,332 | -€125,910 | -€95,254 | ▲ 24.3% |
| Change in cash | - | -€22,627 | -€6,441 | -€2,468 | ▲ 61.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (4)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 29-04-2026 | 2026-00092598 |
| 31-12-2024 | micro format | 22-07-2025 | 2025-00298987 |
| 31-12-2023 | micro format | 26-06-2024 | 2024-00202049 |
| 31-12-2022 | micro format | 28-06-2023 | 2023-00207368 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Dominique De Caluwé |
|
| Sven Schepens |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
05-06
Gazette deed
Resignation: Sven Schepens (director)Appointment: Dominique De Caluwé (director) · Permanent representative: Dominique De Caluwé · Registered-office move6 facts ▸
- General meeting, 11-05-2026
- Director resignation, Sven Schepens (director (not named in the articles))
- Director appointment, Dominique De Caluwé (director (not named in the articles))
- Registered-office move, Kamershoek 31, 9240 Zele
- Other provision, 31-03-2023
- Permanent representative, Dominique De Caluwé
About the unread acts
Of the 2 Belgian Official Gazette deeds we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 24 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
2 establishment units
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 38402E0220/00P006 | Flanders | 1,811 m² | 1 · 566 m² | 9.1 m |
| 42402C0530/00D000 | Flanders | 1,602 m² | 1 · 244 m² | 8.0 m · 2 |