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OPHALVENS R.

Active
Private limited companyfounded 1987active for 39 yearsJan De Windtstraat 67, 9300 Aalst, BelgiumKBO/BCE: BE 0431.585.563
Summary

OPHALVENS R. has been active since 1987 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €15,397 and a net result of -€2,133. Equity is shrinking by about 5.5% per year across the filed financial years. The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisFollow ReportCompare
OPHALVENS R.ActiveChecked score 56/100
Risk analysis ReportCompare

Overview

Activity
“Op te treden als makelaarster bij het afsluiten van verzekeringscontracten aller aard,zowel voor eigen…” (deed in Dutch)
From the articles, 3 activitiesNo NACE code in the KBO yet1 site
Size
€16,274total assets 2024
Equity
€15,397
Loss
-€2,133
Turnover not published (micro format)
Financial health
56 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
0.7%
Structure
2025 accounts not filed, 91 days past the deadline
Why 56raises riskCapped at 59: a confirmed filing findingFigures for financial year 2024 (filed 24-06-2025)lowers riskFounded in 1987Size: total assets €16,274Equity €15,397 (94.6% of total assets)Show the evidence

Checked score

Score 2024
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 52% of its sector peers (no NACE code, micro)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Strong
Solvency 100=
equity 94.6% of total assets
Liquidity 100=
short-term debt 5.4% · cash 90.9%
Profitability 2-11
return on assets -13.1%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 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 12-2024lowest value 02-2025: 0.1%● unchanged vs 01-2025lowest value 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: 0.2%▲ +0.1 percentage points vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.3%▲ +0.1 percentage points vs 07-2026 09-2026: 0.4%▲ +0.1 percentage points vs 08-2026 10-2026: 0.7%▲ +0.3 percentage points vs 09-2026highest value
Credit of up to €500 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity ample (current ratio 18.56, compared with 14.13 in 2023, above the usual 1.5; short-term debt: 5.4% and cash: 90.9% of total assets), and 5.4% 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 (no NACE code, micro): better than 81% on solvency, 95% on liquidity, 9% on profitability and 23% on growth.

The bankruptcy probability was computed on 30-10-2026 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

Six signals.
lowers riskraises riskneutral
lowers risk · Founded in 1987
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Size: total assets €16,274
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Figures for financial year 2024 (filed 24-06-2025)
NBB · annual accounts
lowers risk · Equity €15,397 (94.6% of total assets)
NBB · annual accounts
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 91 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline30-10-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
37 days early
2023
19 days early
2022
48 days early
2021
36 days early
2020
31 days early
2019
59 days early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 38 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Annual accounts filedfinancial year 2023 · micro…
  3. Annual accounts filedfinancial year 2022 · micro…

Key points

  • Risk: 5 loss-making years in a rowloss financial year 2024 -€2,133 View
  • Risk: 2025 accounts not fileddeadline was 31-07-2026 91 days past the deadline View
  • Active since 1987founded 08-07-1987 39 years View

By topic

Financials

Financial year
2024
Total assets
€16,274
Loss
-€2,133
Solvency
94.6%
Turnover▼ 14.0%
Net result
20182020
Go to Financials

Timeline

Events
40
Since
1989
  1. 07-02-2023Appointment: OPHALVENS Roger (director)
  2. 25-06-2022Annual accounts filed
  3. 30-06-2021Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Founded
08-07-1987
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

Articles of association

Provisions read
13
Who signs
Each director alone
Annual meeting
First Monday of June at 10:00
Purpose
“Op te treden als makelaarster bij het afsluiten van verzekeringscontracten aller…” (deed in Dutch)
Go to Articles of association

Key facts about OPHALVENS R.

What is the company number of OPHALVENS R.?
0431.585.563. In Belgium the VAT number is the company number with BE in front: BE 0431.585.563.
Where is OPHALVENS R. based?
The registered office is at Jan De Windtstraat 67, 9300 Aalst.Company details
What is the legal form of OPHALVENS R.?
Private limited company (BV).
When was OPHALVENS R. founded?
On 08-07-1987.
Is OPHALVENS R. still active?
Yes, OPHALVENS R. is an active enterprise in the KBO register.
What is the turnover of OPHALVENS R.?
€14,905 in financial year 2020, according to the filed annual accounts.Financials
Is OPHALVENS R. profitable?
In financial year 2024, OPHALVENS R. made a loss of €2,133.
Where can I find the annual accounts of OPHALVENS R.?
OPHALVENS R. filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

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