Equity
€742,443 ▲ 17.8%
OPHTACARD paid out €71,429 in dividends. That is 39% of the 2025 profit.
OPHTACARD
Lifetime
19 annual accounts with figures on one time axis, 22 filings since 2004peak €510,803 (2024)
€385,489▼ 24.5%
lowest -€4,675 (2021)
€184,556▼ 34.5%
peak €742,443 (2025)
€742,443▲ 17.8%
€30,356▼ 52.2%
peak 6 FTE (2013)
-not published
Board1 name since 2019
-
Documentsfilings and deeds
17-08-202617 days late
2025financial year
Gross margin from €510,803 to €385,489Result from €281,691 to €184,556Dividend €71,429Equity from €630,473 to €742,443Debts from €63,492 to €30,356
Key points
from the 2025 annual accountsResult
€184,556 ▼ 34.5%
The result fell in 2025 from €281,691 to €184,556.
Staff
3.1 FTE from 6 in 2013
Between 2013 and 2025, 48% of the full-time equivalents disappeared.
Liquidity
20.57 was 7.79 in 2024
Short-term debts fell from €63,492 to €29,716.
Filings
22 annual accounts since 2004
Seven of the last ten came late. The 2019 accounts came latest: 49 days after the end of the period.
Position in the sector
96.1%
Higher solvency than 93% of companies in office administrative support. Sector median 45.4% · 1,168 companies.
Checked score
98
Excellent
Financially stronger than 80% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
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 07-2025highest value
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 12-2025lowest value
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 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 20.57, cash €322,453
Equity €742,443 (96.1% of total assets)
Size: total assets €772,799
Figures for financial year 2025 (filed on 18-08-2026)
Calculation
The band follows from the bankruptcy probability. 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 82, micro). It does better than 88% of them on solvency, 97% on liquidity, 73% on profitability and 64% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as OPHTACARD has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of OPHTACARD itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for OPHTACARD. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €70,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 20.57 (7.79 in 2024), above the usual 1.5. Short-term debt is 3.8% and cash 41.7% of total assets. 3.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 17 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
17 days late
2024
25 days late
2023
36 days early
2022
5 days early
2021
9 days early
2020
20 days late
2019
49 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 9 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% 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 26 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0863548240
Capital decrease of €100,000 to €18,550
Capital from €118,550 to €18,550 · Resignation: JANSSENS Xavier (manager) · Reappointment: JANSSENS Xavier (director) · Gazette deed
Incorporation
published on 26-02-2004 · Gazette deed
First establishment
Gemeentelijke Godshuisstraat 147, Watermael-Boitsfort
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| OPHTACARD Watermael-Boitsfort | €772,799 | €385,489 | 96.1% | - |
| INTER-M.A.S.C. Lier | €692,222 | €456,998 | 5.0% | 6 |
| STRIGIDAE Brussels | €852,259 | €256,004 | 44.0% | - |
| PARAMEDICAL ADMINISTRATIVE SUPPORT Ixelles | €911,128 | €229,497 | 64.1% | - |
| LIVING OFFICES Herentals | €712,054 | €390,544 | -76.3% | 2.9 |
| MEETMANY Nivelles | €570,632 | €382,367 | 75.7% | - |
| 2IMAGINE Hasselt | €896,433 | €362,803 | 0.7% | - |
These companies have the same main activity as OPHTACARD: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €571,000 and €911,000, founded between 1998 and 2008.
Official details
Source: KBO- Status
- Active since 19-02-2004Normal situation
- Activity
- Office administrative and support servicesNACE 82100and 3 others
- Establishment unit
- 2.163.861.6471170 Watermael-Boitsfort, since 19-02-2004
- Financial year end
- 31 December
- Peppol
- Reachable since 25-09-2025
Annual accounts 2025
- ≈ €710,000estimated
- €772,799▲ 11.4%
- Employeeson 31-12-2025
- 4
- Filing
- Filed on 17-08-2026
Insights on OPHTACARD
OPHTACARD has existed since 2004. The gross margin grew from €218,172 in 2007 to €385,489 in 2025.
Solvency rose in 2025 from 90.9% to 96.1% because of the retained profit and lower debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about OPHTACARD
- What is the company number of OPHTACARD?
- The company number of OPHTACARD is 0863.548.240. The VAT number is the same number with BE in front: BE 0863.548.240.
- Where is OPHTACARD based?
- The registered office is at Gemeentelijke Godshuisstraat 147, 1170 Watermael-Boitsfort.Company details
- What does OPHTACARD do?
- According to the KBO register, the main activity is office administrative and support services (NACE 82100).
- What is the legal form of OPHTACARD?
- OPHTACARD is a private limited company (BV).
- When was OPHTACARD founded?
- OPHTACARD was founded on 19-02-2004.
- Is OPHTACARD still active?
- Yes, OPHTACARD is an active enterprise in the KBO register.
- How many employees does OPHTACARD have?
- OPHTACARD had an average of 3.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of OPHTACARD?
- The turnover in financial year 2025 is ≈ €710,000. This figure is estimated from the gross margin of €385,489 and 43 comparable companies (NACE 82). It probably lies between €480,000 and €1.2m.
- Is OPHTACARD profitable?
- In financial year 2025, OPHTACARD made a profit of €184,556.
- Where can I find the annual accounts of OPHTACARD?
- OPHTACARD filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of OPHTACARD due?
- OPHTACARD must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.