OPM consulting
ActiveSummary
The computed 12-month bankruptcy probability of OPM consulting is 1.8% (moderate). The 2025 annual accounts show equity of €3k and a net result of €15k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 1309 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+3
Solvency27▼-20
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
2.3%
Return on assets
11.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 1309 sector peers (2025).
NBB · sector comparisonPosition among 1309 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 6 filingsDeviation from the deadline
2025
3 d late
2024
58 d early
2023
64 d late
2022
32 d early
2021
27 d early
2020
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 91.0%
2024 · €33k
2020: €3k
2021: €41k
2022: €77k
2023: €60k
2024: €33k
2020 → 2025
Total assets
€130k▼ 13.0%
2024 · €149k
2020: €46k
2021: €90k
2022: €165k
2023: €252k
2024: €149k
2020 → 2025
Net result
€15k▲ 12.5%
2024 · €13k
2020: €252
2021: €38k
2022: €36k
2023: €23k
2024: €13k
2020 → 2025
Working capital
€-24k
2024 · €2k
2020: €3k
2021: €28k
2022: €53k
2023: €24k
2024: €2k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€77k▲ 87.4%€60k▼ 21.9%€33k▼ 44.6%€3k▼ 91.0%
Operating result€50k-€47k▼ 6.0%€32k▼ 31.8%€22k▼ 31.7%€24k▲ 8.6%
Net result€38k-€36k▼ 5.2%€23k▼ 36.1%€13k▼ 43.7%€15k▲ 12.5%
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 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€50k ▼ 26.9%
Current assets
€80k ▼ 1.2%
Equity and liabilities €130k
Equity
€3k ▼ 91.0%
Debt
€127k ▲ 9.6%
Debt's share of the balance-sheet total rises from 77.5% to 97.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€45k▲
2024 · €43k
Cash flow
€36k▲
2024 · €34k
Current ratio
0.77▼
2024 · 1.03
Debt to equity
42.24▲
2024 · 3.45
ROE
487.3%▲
2024 · 38.8%
ROA
11.3%▲
2024 · 8.7%
Interest coverage
16.98▲
2024 · 10.02
Debt ≤ 1 year
€104k▲
2024 · €78k
Debt > 1 year
€23k▼
2024 · €37k
Income taxes
€6k▲
2024 · €5k
Staff costs
€72k▲
2024 · €69k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€149k€130k▼
Fixed assets21/28€68k€50k▼
Tangible fixed assets22/27€68k€49k▼
Plant, machinery and equipment23€14k€9k▼
Furniture and vehicles24€53k€40k▼
Financial fixed assets28€566€566=
Current assets29/58€81k€80k▼
Amounts receivable within one year40/41€42k€33k▼
Trade receivables40€34k€31k▼
Other amounts receivable41€8k€3k▼
Current investments50/53€20k€20k=
Cash at bank and in hand54/58€17k€24k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€149k€130k▼
Equity10/15€33k€3k▼
Contributions10/11€3k€3k=
Reserves13€30k-
Distributable reserves133€30k-
Amounts payable17/49€116k€127k▲
Amounts payable after more than one year17€37k€23k▼
Financial debts170/4€37k€23k▼
Amounts payable within one year42/48€78k€104k▲
Current portion of amounts payable after more than one year42€16k€14k▼
Trade debts44€8k€12k▲
Suppliers440/4€8k€12k▲
Taxes, remuneration and social security45€12k€20k▲
Taxes450/3€4k€8k▲
Remuneration and social security454/9€8k€12k▲
Other amounts payable47/48€43k€57k▲
Income statement
Code20242025
Remuneration, social security and pensions62€69k€72k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€22k▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€115k€119k▲
Operating profit (loss)9901€22k€24k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€18k€21k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€13k€15k▲
Profit (loss) for the period to be appropriated9905€13k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€15k▲
Transfer from equity791/2€40k€30k▼
Transfer to equity691/2€13k-
To other reserves6921€13k-
Profit to be distributed694/7€40k€45k▲
Return on contributions (dividend)694€40k€45k▲
The notes to these accounts (7 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €38k ▲15026%
Operating result €50k, net result €38k, both a record.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Lubbeek · 1 establishment unit since 2020
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.
Kruisbooglaan(LIN) 283210 LubbeekGround area
2,346 m²
Building footprint
144 m²
Volume, LiDAR
896 m³
Parcel 24063A0003/00B003, Flanders · tallest building 23.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OPM consulting
since 20202.307.413.135
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24063A0003/00B003 | Flanders | 2,346 m² | 1 · 144 m² | 23.4 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 659 EUR awarded · 659 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 317 EUR | 317 EUR |
| 2022 | 1 | 342 EUR | 342 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,225 companies in sector 33200 we hold annual accounts for 676. 132 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
33200Installation of industrial machinery and equipment
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.