Opération,Design, Security,Creation
ActiveSummary
Opération,Design, Security,Creation has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€91,335) and a net result of €65,856. Equity is shrinking by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 5% of 17239 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+97
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.43 against 0.01 in 2024; short-term debt: 217.8% and cash: 63.7% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-117.8%
Return on assets
85%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 17239 sector peers (2025).
NBB · sector comparisonPosition among 17239 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
395 d late
2023
12 d late
2022
83 d late
2020
1 d late
2019
56 d early
2018
48 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 55 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 12 February (4 of the last 5 filed years within 71 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€91,335▲ 41.9%
2024 · -€157,191
Total assets
€77,504▲ 502%
2024 · €12,864
Net result
€65,856
2024 · -€9,531
Working capital
-€96,780▲ 42.7%
2024 · -€168,982
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202022202320242025
Operating result-€85,403-€35,327-€7,339-€7,357€66,657
Net result-€88,150below the sector's middle half-€37,331below the sector's middle half-€5,033within the sector's middle half-€9,531below the sector's middle half€65,856above the sector's middle half
Equity-€51,020below the sector's middle half-€152,694below the sector's middle half--€147,660below the sector's middle half▲ 3.3%-€157,191below the sector's middle half▼ 6.5%-€91,335below the sector's middle half▲ 41.9%
Total assets€52,261below the sector's middle half▼ 30.0%€26,111below the sector's middle half-€30,727below the sector's middle half▲ 17.7%€12,864below the sector's middle half▼ 58.1%€77,504within the sector's middle half▲ 502%
Debt€103,280▲ 175%€178,804-€178,387▼ 0.2%€170,055▼ 4.7%€168,840▼ 0.7%
Working capital-€96,121below the sector's middle half▼ 302%-€174,377below the sector's middle half--€164,878below the sector's middle half▲ 5.4%-€168,982below the sector's middle half▼ 2.5%-€96,780below the sector's middle half▲ 42.7%
Solvency-97.6%below the sector's middle half▼ 147.4pp-584.8%below the sector's middle half--480.6%below the sector's middle half▲ 104.2pp-117.8%below the sector's middle half
Current ratio0.05below the sector's middle half▼ 0.210.02below the sector's middle half-0.08below the sector's middle half▲ 0.050.01below the sector's middle half▼ 0.070.43below the sector's middle half▲ 0.42
Return on assets (ROA)-168.7%below the sector's middle half▼ 172.2pp-143.0%below the sector's middle half-16.4%within the sector's middle half▲ 159.4pp-74.1%below the sector's middle half▼ 90.5pp85.0%above the sector's middle half▲ 159.1pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €66,657 after a loss of €7,357 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77,504
Fixed assets
€5,445 ▼ 53.8%
Current assets
€72,060 ▲ 6,612%
Key figures and ratios
EBITDA
€75,802▲
2024 · €871
Cash flow
€75,002▲
2024 · -€1,303
Debt to equity
-1.85▼
2024 · -1.08
Interest coverage
94.65▲
2024 · 0.41
Debt ≤ 1 year
€168,840▼
2024 · €170,055
Income taxes
€0▼
2024 · €53
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,632 companies that looked in July 2024 the way this one looks now, 2.9% went bankrupt within 24 months and 92% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a profit of 5% of the balance sheet or more
2.9%
went bankrupt
4.8%
stopped otherwise
92%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,632 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €1,050 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,966 | €7,595 | €7,426 | €8,228 | €9,146 | ▲ 11.2% |
| Other operating charges640/8 | - | €2,831 | €567 | €1,551 | €106 | ▼ 93.1% |
| Gross operating margin9900 | -€66,083 | -€23,852 | €15,332 | €2,422 | €75,909 | ▲ 3,034% |
| Operating profit (loss)9901 | -€85,403 | -€35,327 | €7,339 | -€7,357 | €66,657 | ▲ 1,006% |
| Recurring financial income75 | €19 | - | - | - | - | - |
| Financial charges65/66B | - | €1,859 | €2,205 | €2,121 | €801 | ▼ 62.2% |
| Recurring financial charges65 | €2,376 | €1,859 | €2,205 | €2,121 | €801 | ▼ 62.2% |
| Profit (loss) for the period before taxes9903 | -€87,760 | -€37,186 | €5,134 | -€9,478 | €65,856 | ▲ 795% |
| Income taxes67/77 | €391 | €145 | €101 | €53 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | -€88,150 | -€37,331 | €5,033 | -€9,531 | €65,856 | ▲ 791% |
| Profit (loss) for the period to be appropriated9905 | -€88,150 | -€37,331 | €5,033 | -€9,531 | €65,856 | ▲ 791% |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €52,261 | €26,111 | €30,727 | €12,864 | €77,504 | ▲ 502% |
| Fixed assets21/28 | €47,672 | €21,844 | €17,218 | €11,790 | €5,445 | ▼ 53.8% |
| Intangible fixed assets21 | €42,008 | €21,420 | €14,275 | €7,130 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €5,663 | €124 | €2,643 | €4,361 | €5,145 | ▲ 18.0% |
| Land and buildings22 | - | €124 | - | - | - | - |
| Furniture and vehicles24 | - | - | €2,643 | €4,361 | €5,145 | ▲ 18.0% |
| Financial fixed assets28 | - | €300 | €300 | €300 | €300 | = |
| Current assets29/58 | €4,589 | €4,267 | €13,509 | €1,074 | €72,060 | ▲ 6,612% |
| Amounts receivable within one year40/41 | €3,445 | €4,235 | €13,337 | €1,074 | €22,670 | ▲ 2,012% |
| Trade receivables40 | - | €4,235 | €11,667 | €163 | €19,101 | ▲ 11,594% |
| Other amounts receivable41 | - | - | €1,670 | €910 | €3,569 | ▲ 292% |
| Cash at bank and in hand54/58 | €5 | - | - | - | €49,390 | - |
| Deferred charges and accrued income490/1 | - | €32 | €172 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €52,261 | €26,111 | €30,727 | €12,864 | €77,504 | ▲ 502% |
| Equity10/15 | -€51,020 | -€152,694 | -€147,660 | -€157,191 | -€91,335 | ▲ 41.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | €18,600 | - | - | - | - |
| Issued capital100 | - | €18,600 | - | - | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€71,480 | -€173,154 | -€168,120 | -€177,651 | -€111,795 | ▲ 37.1% |
| Amounts payable17/49 | €103,280 | €178,804 | €178,387 | €170,055 | €168,840 | ▼ 0.7% |
| Amounts payable after more than one year17 | €2,571 | - | - | - | - | - |
| Amounts payable within one year42/48 | €100,709 | €178,644 | €178,387 | €170,055 | €168,840 | ▼ 0.7% |
| Financial debts43 | - | €13,135 | €14,481 | €14,681 | €12,892 | ▼ 12.2% |
| Credit institutions430/8 | - | €13,135 | €14,481 | €14,681 | €12,892 | ▼ 12.2% |
| Trade debts44 | €6,900 | €7,041 | €8,569 | €1,883 | €463 | ▼ 75.4% |
| Suppliers440/4 | - | €7,041 | €8,569 | €1,883 | €463 | ▼ 75.4% |
| Advances received on contracts in progress46 | - | - | - | €975 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €2,896 | €1,306 | €298 | €3,370 | ▲ 1,031% |
| Taxes450/3 | - | €2,896 | €1,306 | €298 | €3,370 | ▲ 1,031% |
| Other amounts payable47/48 | - | €155,572 | €154,032 | €152,219 | €152,115 | ▼ 0.1% |
| Accrued charges and deferred income492/3 | - | €160 | - | - | - | - |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€88,150 | -€37,331 | €5,033 | -€9,531 | €65,856 | ▲ 791% |
| + Depreciation and write-downs630 | €18,966 | €7,595 | €7,426 | €8,228 | €9,146 | ▲ 11.2% |
| Operating cash flow (approximation) | -€69,184 | -€29,736 | €12,459 | -€1,303 | €75,002 | ▲ 5,855% |
| Investment in fixed assets (approximation) | - | - | -€2,800 | -€2,800 | -€2,800 | = |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-05
State Gazette act
Registered office · Legal-form changeRegistered-office move · Director in office3 facts ▸
State Gazette act
Registered office · Legal-form change
Registered-office move · Director in office3 facts ▸
- General meeting, 13-04-2026
- Registered-office move, 5100 Jambes-Chaussée de Liège 654C boite 22
- Director in office, CRETEUR David (director)
02-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 395 days late
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €65,856
Net result €65,856 after one loss-making year.
2024
12-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
30-06
Financial
Back to profitnet €5,033
Net result €5,033 after 2 loss-making years.
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 83 days late
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Weakest financial yearnet -€88,150
Net result drops to -€88,150, the lowest in the series; recovery starts the following year.
2019
06-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
14-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 92 days late
2017
09-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
29-03
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 58 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 2011
Ground area
2.5 ha
Building footprint
1,618 m²
Volume, LiDAR
35,904 m³
Parcel 92067C0347/00P000, Wallonia · tallest building 27.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Liège(JB) 654C, 5100 Namur
since 20112.198.484.610
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92067C0347/00P000 | Wallonia | 2.5 ha | 1 · 1,618 m² | 27.1 m · 7 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 30,008 companies in sector 62200 we hold annual accounts for 18,400. 14,832 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded05-04-2011
Fiscal year end30-06
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62100Computer programming
70200Business and other management consultancy
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID
0208:0835182866
Also
9925:BE0835182866
Registered
14-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.