Financials
- Financial year
- 2025
- Turnover
- €3.3m
- Loss
- -€661,039
- Solvency
- 40.6%
Turnover▼ 1.3%
Net result
20232025
OPGERUIMD
ActiveSummary
The annual accounts of OPGERUIMD for financial year 2025 show a net loss of 92% of total assets and of 69% of the equity at the start of that year. The 2025 annual accounts show equity of €291,269 and a net result of -€661,039. Equity is shrinking by about 3.2% per year across the filed financial years. Its solvency ranks better than 58% of 1,324 sector peers (NACE 96, financial year 2025). The association has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Activity
Personal service activities
NACE 96910
2nd largest employer in As5 sites
Size
€3.3mturnover 2025
- Staff
- 109.8 FTE
- Equity
- €291,269
- Deficit
- -€661,039
Structure
- Board
- 5 members
Auditor: Moore VMB Bedrijfsrevisoren BVAccounts 30 days early2 of 17 deeds read
Why 55raises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLoss of €661,039 (financial year 2025)Size: turnover €3.3m, 109.8 FTE, total assets €716,726lowers riskLegal form: non-profit associationLiquidity: current ratio 1.40, cash €449,803Show the evidence
Checked score
Score 2025
55
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 39% of its sector peers (NACE 96, medium-sized)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency
66-29
equity 40.6% of total assets
Liquidity
69+3
short-term debt 59.2% · cash 62.8%
Profitability
0-54
return on assets -92.2%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: < 0.1%
12-2024: < 0.1%● unchanged vs 11-2024
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026highest value
09-2026: < 0.1%● unchanged vs 08-2026highest value
10-2026: < 0.1%● unchanged vs 09-2026highest value
Credit of up to €16,000 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.4, compared with 2.98 in 2024, below the usual 1.5; short-term debt: 59.2% and cash: 62.8% of total assets), and 59.4% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, medium-sized): better than 60% on solvency, 74% on liquidity, 5% on profitability and 14% on growth.
The bankruptcy probability was computed on 12-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
30 days early
2024
20 days early
2023
29 days late
2022
79 days late
2021
183 days late
2020
16 days early
2019
60 days late
← 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 41 days after the deadline; the sector median (NACE 96) for financial year 2024 is on the deadline day, and 48% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (4 of the last 5 filed years within 60 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
13-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Appointments: Dirk Vanvelk, Willy Vandecruys and…Resignations: Mark Penxten (director) and…
- Resignation: Marina Vandebosch (director)Appointments: Dominique Mouchaers (director) and…
Key points
By topic
Board & ownership
- Board
- 5 members
- Auditor
- Moore VMB Bedrijfsrevisoren BV
- Dominique MouchaersDirector
- Erik VanmierloDirector
- Theo BoonenDirector
- VANVELK DirkDirector
- Willy VandecruysDirector
Network & group
- Connected companies
- 6
Timeline
- Events
- 12
- Since
- 2019
- Next accounts
- by 31-07-2027
- 31-12-2025Weakest financial year
- 11-07-2025Annual accounts filed
- 31-12-2024Back to profit
Company details
- Sites
- 5
- Legal form
- Non-profit association
- Activity
- Personal service activitiesNACE 96910
- Founded
- 10-05-2004
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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