OPINIE
ActiveOPINIE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87k and a net result of €2k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 61% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
84
/ 100
Excellent▲ +16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▲+12
Solvency88▼-10
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.81 against 2.36 in 2024), but 53% 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 47
Relative position
BE, all sectors
reference
Sector 47
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%
Return on assets
1.2%
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 28-08-2026, 28 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
28 d late
2024
22 d late
2023
30 d late
2022
31 d late
2021
101 d late
2020
69 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€87k▼ 28.5%
2024 · €122k
2018: €73k
2019: €76k
2020: €100k
2021: €111k
2022: €109k
2023: €122k
2024: €122k
2018 → 2025
Total assets
€186k▼ 9.3%
2024 · €205k
2018: €197k
2019: €250k
2020: €199k
2021: €209k
2022: €172k
2023: €190k
2024: €205k
2018 → 2025
Net result
€2k▲ 1,559%
2024 · €133
2018: €27
2019: €3k
2020: €24k
2021: €11k
2022: €-2k
2023: €16k
2024: €133
2018 → 2025
Working capital
€80k▼ 28.8%
2024 · €113k
2018: €82k
2019: €81k
2020: €97k
2021: €106k
2022: €104k
2023: €116k
2024: €113k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€109k▼ 2.1%€122k▲ 12.1%€122k▲ 0.1%€87k▼ 28.5%
Operating result€18k-€1k▼ 93.8%€28k▲ 2,408%€619▼ 97.8%€5k▲ 762%
Net result€11k-€-2k€16k€133▼ 99.2%€2k▲ 1,559%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 762% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €186k
Fixed assets
€7k▼ 25.8%
Current assets
€179k▼ 8.5%
Equity and liabilities €186k
Equity
€87k▼ 28.5%
Debt
€99k▲ 18.8%
The debt ratio rises from 40.5% to 53.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€14k▲
2024 · €3k
Cash flow
€11k▲
2024 · €2k
Solvency
47.0%▼
2024 · 59.5%
Current ratio
1.81▼
2024 · 2.36
Quick ratio
1.54▼
2024 · 2.05
Debt / equity
1.13▲
2024 · 0.68
ROE
2.5%▲
2024 · 0.1%
ROA
1.2%▲
2024 · 0.1%
Interest coverage
6.76▲
2024 · 0.77
Debt
€99k▲
2024 · €83k
Debt ≤ 1 year
€99k▲
2024 · €83k
Debt > 1 year
€0▼
2024 · €213
Income taxes
€5k▲
2024 · €3k
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€205k€186k▼
Fixed assets21/28€9k€7k▼
Tangible fixed assets22/27€9k€7k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€196k€179k▼
Amounts receivable after more than one year29€145k€143k▼
Other amounts receivable291€145k€143k▼
Stocks and contracts in progress3€26k€27k▲
Stocks30/36€26k€27k▲
Amounts receivable within one year40/41€19k€5k▼
Trade receivables40€14k€358▼
Other amounts receivable41€5k€5k▲
Cash at bank and in hand54/58€6k€4k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€205k€186k▼
Equity10/15€122k€87k▼
Contributions10/11€6k€6k=
Reserves13€116k€81k▼
Distributable reserves133€116k€81k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€83k€99k▲
Amounts payable after more than one year17€213€0▼
Financial debts170/4€213€0▼
Amounts payable within one year42/48€83k€99k▲
Current portion of amounts payable after more than one year42€1k€213▼
Financial debts43€13k€6k▼
Credit institutions430/8€13k€6k▼
Other loans439€0-
Trade debts44€55k€39k▼
Suppliers440/4€55k€39k▼
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€9k▼
Other amounts payable47/48€1k€44k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€9k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€5k€17k▲
Operating profit (loss)9901€619€5k▲
Financial income75/76B€6k€4k▼
Recurring financial income75€6k€4k▼
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€3k€8k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€133€2k▲
Profit (loss) for the period to be appropriated9905€133€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€133€2k▲
Transfer from equity791/2€0€37k▲
Transfer to equity691/2€133€2k▲
To other reserves6921€133€2k▲
Profit to be distributed694/7€0€37k▲
Return on contributions (dividend)694€0€37k▲
The notes to these accounts (8 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-2k ▼120%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
09-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 101 days late
2021
31-12
Financial
Equity above €100kEq €111k ▲11.4%
4 profitable years in a row build equity to €111k.
08-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 69 days late
2020
31-12
Financial
Highest result since 2018net €24k ▲763%
Operating result €32k, net result €24k, both a record.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
05-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 127 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 136 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2009
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.
Vosstraat 32140 AntwerpenGround area
124 m²
Building footprint
123 m²
Volume, LiDAR
1,026 m³
Parcel 11313B0848/00G007, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OPINIE
since 20092.179.030.368
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11313B0848/00G007 | Flanders | 124 m² | 1 · 123 m² | 11.8 m · 3 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.179.030.368
Similar companies · same sector, comparable size
KR 76
BE 1000.190.457
Zaventem · Eq €87k
FMNK
BE 0521.938.885
Herve · Eq €87k
CVZ
BE 0836.997.360
Sint-Jans-Molenbeek · Eq €87k
LAURIA
BE 0876.306.710
Wemmel · Eq €87k
MIER
BE 0754.872.509
Lille · Eq €87k
Of 2,318 companies in sector 47621 we hold annual accounts for 1,235. 1,086 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2009
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
47242Retail sale of chocolate and confectionery
47260Retail trade
47789Other retail sale of new goods
82100Office administrative and support services
82190Office administrative, office support and other business support activities
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.