Opflow
ActiveOpflow has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €9k. Its solvency ranks better than 46% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes
Profitability100
Solvency96
Growth-
Stability67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.08), and 48.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.8%
Return on assets
39.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
10 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€12k
Total assets
€24k
Net result
€9k
Working capital
€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €24k
Equity
€12k
Debt
€12k
Debt finances 48.2% of the balance-sheet total.
Key figures and ratios
Solvency
51.8%
Current ratio
2.08
Quick ratio
2.08
Debt / equity
0.93
ROE
76.0%
ROA
39.4%
Debt
€12k
Debt ≤ 1 year
€12k
Income taxes
€3k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€24k
Current assets29/58€24k
Amounts receivable within one year40/41€10k
Trade receivables40€10k
Cash at bank and in hand54/58€14k
Deferred charges and accrued income490/1€954
Equity and liabilities
Total equity and liabilities10/49€24k
Equity10/15€12k
Contributions10/11€3k
Profit (loss) carried forward14€9k
Amounts payable17/49€12k
Amounts payable within one year42/48€12k
Trade debts44€1k
Suppliers440/4€1k
Taxes, remuneration and social security45€7k
Taxes450/3€7k
Other amounts payable47/48€3k
Income statement
Code2025
Other operating charges640/8€209
Gross operating margin9900€12k
Operating profit (loss)9901€12k
Financial income75/76B€1
Recurring financial income75€1
Profit (loss) for the period before taxes9903€12k
Income taxes67/77€3k
Profit (loss) for the period9904€9k
Profit (loss) for the period to be appropriated9905€9k
Appropriation of the result
Profit (loss) to be appropriated9906€9k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
NBB filing
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Westerlo · 1 establishment unit since 2025
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Denis Voetsstraat 2D2260 WesterloGround area
4,875 m²
Building footprint
1,366 m²
Volume, LiDAR
9,022 m³
Parcel 13049B0780/00H000, Flanders · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Opflow
since 20252.377.778.618
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13049B0780/00H000 | Flanders | 4,875 m² | 1 · 1,366 m² | 12.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 82,218 companies in sector 70200 we hold annual accounts for 52,396. 25,323 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-08-2025
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.