OPHEIDE
ActiveOPHEIDE has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €123k and a net result of €9k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 55% of 7293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
65
/ 100
Healthy▲ +1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+41
Solvency60▼-3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.28 against 0.11 in 2024), and 52.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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
47.9%
Return on assets
3.5%
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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
61 d late
2022
60 d late
2021
61 d late
2020
89 d late
2019
90 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€56k
EBIT margin
26.1%
Net result
€9k▲ 3.5%
2024 · €9k
2018: €6k
2019: €-7k
2020: €96
2021: €2k
2022: €6k
2023: €5k
2024: €9k
2018 → 2025
Working capital
€-79k▲ 2.2%
2024 · €-80k
2018: €12k
2019: €-38k
2020: €-66k
2021: €-86k
2022: €-91k
2023: €-94k
2024: €-80k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€56k
Equity€95k-€101k▲ 5.9%€106k▲ 4.6%€114k▲ 8.3%€123k▲ 8.0%
Operating result€6k-€10k▲ 69.0%€11k▲ 3.3%€15k▲ 42.3%€15k▼ 3.0%
Net result€2k-€6k▲ 136%€5k▼ 16.3%€9k▲ 88.2%€9k▲ 3.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €258k
Fixed assets
€227k▲ 10.0%
Current assets
€31k▲ 222%
Equity and liabilities €258k
Equity
€123k▲ 8.0%
Debt
€134k▲ 32.5%
The debt ratio rises from 47.0% to 52.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€31k▲
2024 · €26k
Cash flow
€25k▲
2024 · €20k
Solvency
47.9%▼
2024 · 53.0%
Current ratio
0.28▲
2024 · 0.11
Quick ratio
0.28▲
2024 · 0.09
Debt / equity
1.09▲
2024 · 0.89
ROE
7.4%▼
2024 · 7.7%
ROA
3.5%▼
2024 · 4.1%
Interest coverage
10.08▲
2024 · 9.62
Debt
€134k▲
2024 · €101k
Debt ≤ 1 year
€110k▲
2024 · €90k
Debt > 1 year
€25k▲
2024 · €11k
Income taxes
€3k▼
2024 · €4k
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€216k€258k▲
Fixed assets21/28€206k€227k▲
Tangible fixed assets22/27€205k€226k▲
Land and buildings22€204k€195k▼
Furniture and vehicles24€1k€31k▲
Financial fixed assets28€615€615=
Current assets29/58€10k€31k▲
Stocks and contracts in progress3€1k€0▼
Stocks30/36€1k€0▼
Amounts receivable within one year40/41€4k€25k▲
Trade receivables40€3k€24k▲
Other amounts receivable41€921€938▲
Cash at bank and in hand54/58€568€420▼
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€216k€258k▲
Equity10/15€114k€123k▲
Contributions10/11€19k€19k=
Reserves13€96k€105k▲
Distributable reserves133€96k€105k▲
Amounts payable17/49€101k€134k▲
Amounts payable after more than one year17€11k€25k▲
Financial debts170/4€11k€25k▲
Amounts payable within one year42/48€90k€110k▲
Current portion of amounts payable after more than one year42€6k€15k▲
Financial debts43€4k€8k▲
Credit institutions430/8€4k€8k▲
Trade debts44€2k€7k▲
Suppliers440/4€2k€7k▲
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Other amounts payable47/48€73k€74k▲
Accrued charges and deferred income492/3€25€0▼
Income statement
Code20242025
Turnover70-€56k
Non-recurring operating income76A€200€3k▲
Goods, raw materials, services and sundry goods60/61-€46k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€16k▲
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A-€500
Gross operating margin9900€30k€35k▲
Operating profit (loss)9901€15k€15k▼
Financial income75/76B€133€200▲
Recurring financial income75€133€200▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Non-recurring financial charges66B€143€0▼
Profit (loss) for the period before taxes9903€12k€12k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€9k€9k▲
Profit (loss) for the period to be appropriated9905€9k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€9k▲
Transfer to equity691/2€9k€9k▲
To other reserves6921€9k€9k▲
The notes to these accounts (15 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €9k ▲3.5%
Net result €9k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Equity above €100kEq €101k ▲5.9%
3 profitable years in a row build equity to €101k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-12
Financial
Back to profitnet €96
Net result €96 after one loss-making year.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Weakest financial yearnet €-7k ▼228%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
OPHEIDE Ronny
CurrentDirector · since 06-12-2023
06-12-2023
Resigned as Manager
06-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 1989
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.
Schabbestraat 213511 HasseltGround area
2,394 m²
Building footprint
220 m²
Volume, LiDAR
1,170 m³
Parcel 71056A0615/00F000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OPHEIDE
since 19892.044.466.822
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71056A0615/00F000 | Flanders | 2,394 m² | 1 · 220 m² | 8.2 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.
Similar companies · same sector, comparable size
S.M.B. RENOVATION
BE 0806.899.547
Sint-Jans-Molenbeek · Eq €123k
CERDECK
BE 0810.718.278
Beloeil · Eq €123k
HN HORECA CONSTRUCT
BE 0798.542.404
Fléron · Eq €123k
TEODOR CONSTRUCT
BE 0797.296.250
Grimbergen · Eq €123k
VANBO
BE 0448.543.341
Nijlen · Eq €123k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,859. 12,797 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-1989
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.