OPHES · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of OPHES is 0.2% (very low). The 2024 annual accounts show equity of €151k and a net result of €148k. Its solvency ranks better than 65% of 6573 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-07-2025, 16 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2024	31-07-2025	15-07-2025	16 d early	2025-00270164

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€148k

Working capital€151k

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 15-07-2025 with the NBB · fiscal year 2024 · micro

Sector comparison

Fiscal year 2024 · NACE 86, Human health · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	77.1%	66.7%	better than 65% of 6573 sector peers
Net result	€148k	€46k	better than 88% of 6567 sector peers
Equity	€151k	€79k	better than 71% of 6573 sector peers
Gross operating margin	€192k	€78k	better than 84% of 6575 sector peers
Total assets	€196k	€154k	better than 59% of 6576 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€148k
Cash flow	-
Staff costs	-
Income taxes	€44k
Dividends	-
Total assets	€196k
Equity	€151k
Debt	€45k
of which ≤ 1y	€45k
of which > 1y	-
Working capital	€151k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	4.37
Quick ratio	4.37
Working capital ratio	77.1%
Solvency	77.1%
Debt / equity	0.30
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	75.6%
ROE	98.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Equity & liabilities

Equity €151k · 77.1% Debt €45k · 22.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€196k
Current assets	29/58	€196k
Cash & bank	54/58	€139k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€196k
Equity	10/15	€151k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€148k
Amounts payable	17/49	€45k
Amounts payable within one year	42/48	€45k
Income statement
Gross operating margin	9900	€192k
Operating result	9901	€192k
Financial charges	65	€153
Result before taxes	9903	€192k
Income taxes	67/77	€44k
Net result for the period	9904	€148k
Result to be appropriated	9905	€148k

Ratios computed by Checked.

Health barometer

FY 2024 · computed

85 / 100 Excellent

050100

Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Avenue de l'Observatoire 2174000 Liège

Establishment units

1 location

OPHES

Avenue de l'Observatoire 217, 4000 LiègeActiviteiten van medisch specialisten

since 20232.350.445.404

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1.6 ha

Buildings1

Building footprint496 m²

Volume (LiDAR)12,592 m³

Tallest building28.6 m · ±9 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62814C0356/00D000	Wallonia	1.6 ha	1 · 496 m²	28.6 m · 9 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

91 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 85

Profitability 100

Solvency 100

Growth -

Stability 79

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers

Coming soon

AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon

The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works