OPHANIM HOLDINGS
ActiveThe computed 12-month bankruptcy probability of OPHANIM HOLDINGS is 2.0% (moderate). The 2025 annual accounts show equity of €56k and a net result of €33k. Its solvency ranks better than 95% of 1275 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78
Stability82
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 31.46 against 3.06 in 2024), and 3.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
higher
← fewer bankruptcies
more bankruptcies →
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
96.9%
Return on assets
57.3%
Age of the figures
8 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
25 d early
2024
44 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 145%
2024 · €23k
2024: €23k
2024 → 2025
Total assets
€57k▲ 73.2%
2024 · €33k
2024: €33k
2024 → 2025
Net result
€33k▲ 48.0%
2024 · €22k
2024: €22k
2024 → 2025
Working capital
€55k▲ 155%
2024 · €22k
2024: €22k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€23k-€56k▲ 145%
Operating result€32k-€51k▲ 57.7%
Net result€22k-€33k▲ 48.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 58% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€790▼ 35.2%
Current assets
€57k▲ 77.3%
Equity and liabilities €57k
Equity
€56k▲ 145%
Debt
€2k▼ 82.7%
The debt ratio falls from 31.5% to 3.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€51k▲
2024 · €32k
Cash flow
€33k▲
2024 · €22k
Solvency
96.9%▲
2024 · 68.5%
Current ratio
31.46▲
2024 · 3.06
Quick ratio
31.46▲
2024 · 3.06
Debt / equity
0.03▼
2024 · 0.46
ROE
59.1%▼
2024 · 97.8%
ROA
57.3%▼
2024 · 67.0%
Interest coverage
275.73▼
2024 · 850.82
Debt
€2k▼
2024 · €10k
Debt ≤ 1 year
€2k▼
2024 · €10k
Income taxes
€18k▲
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€33k€57k▲
Fixed assets21/28€1k€790▼
Tangible fixed assets22/27€1k€790▼
Furniture and vehicles24€1k€790▼
Current assets29/58€32k€57k▲
Amounts receivable within one year40/41€5k€3k▼
Trade receivables40€4k-
Other amounts receivable41€379€3k▲
Current investments50/53-€22k
Cash at bank and in hand54/58€27k€29k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€33k€57k▲
Equity10/15€23k€56k▲
Contributions10/11€500€500=
Reserves13-€33k
Distributable reserves133-€33k
Profit (loss) carried forward14€22k€22k=
Amounts payable17/49€10k€2k▼
Amounts payable within one year42/48€10k€2k▼
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€5k€213▼
Taxes450/3€5k€213▼
Other amounts payable47/48€4k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68€429▲
Other operating charges640/8€165-
Gross operating margin9900€32k€51k▲
Operating profit (loss)9901€32k€51k▲
Financial charges65/66B€38€186▲
Recurring financial charges65€38€186▲
Profit (loss) for the period before taxes9903€32k€51k▲
Income taxes67/77€10k€18k▲
Profit (loss) for the period9904€22k€33k▲
Profit (loss) for the period to be appropriated9905€22k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€55k▲
Profit (loss) brought forward from the previous period14P-€22k
Transfer to equity691/2-€33k
To other reserves6921-€33k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 10current ratio 31.46
Current ratio from 3.06 to 31.46; short-term debt falls from €10k to €2k.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 117 companies in sector 33160 we hold annual accounts for 53. 32 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-05-2024
Fiscal year end31-12
Activities, NACEBEL
33160Repair, maintenance and installation of machinery and equipment
47120Other non-specialised retail sale
47910Retail trade
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.