Opmaakstudio Adforma
ActiveSummary
Opmaakstudio Adforma has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €232k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 18% of 310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency33=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.08 in 2024; short-term debt: 91.9% and cash: 61.1% of total assets), and 91.9% of the assets are financed with debt.
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
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
8.1%
Return on assets
64.8%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 18
Relative position
BE, all sectors
reference
Sector 18
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 310 sector peers (2025).
NBB · sector comparisonPosition among 310 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
52 d early
2023
30 d early
2022
38 d early
2021
30 d early
2020
36 d early
2019
29 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, abbreviated schema
Equity
€29k▲ 8.0%
2024 · €27k
2018: €98k
2019: €21k
2020: €21k
2021: €22k
2022: €24k
2023: €26k
2024: €27k
2018 → 2025
Total assets
€358k▲ 1.9%
2024 · €351k
2018: €319k
2019: €329k
2020: €269k
2021: €256k
2022: €307k
2023: €349k
2024: €351k
2018 → 2025
Net result
€232k▲ 0.6%
2024 · €231k
2018: €150k
2019: €157k
2020: €148k
2021: €181k
2022: €202k
2023: €152k
2024: €231k
2018 → 2025
Working capital
€16k▼ 36.2%
2024 · €25k
2018: €80k
2019: €10k
2020: €15k
2021: €14k
2022: €20k
2023: €26k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€24k▲ 8.1%€26k▲ 9.1%€27k▲ 3.4%€29k▲ 8.0%
Operating result€242k-€270k▲ 11.5%€204k▼ 24.3%€309k▲ 51.5%€310k▲ 0.3%
Net result€181k-€202k▲ 11.2%€152k▼ 24.6%€231k▲ 51.7%€232k▲ 0.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 0% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €358k
Fixed assets
€13k ▲ 741%
Current assets
€345k ▼ 1.3%
Equity and liabilities €358k
Equity
€29k ▲ 8.0%
Debt
€329k ▲ 1.4%
Debt's share of the balance-sheet total falls from 92.3% to 91.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€316k▲
2024 · €310k
Cash flow
€238k▲
2024 · €232k
Current ratio
1.05▼
2024 · 1.08
Debt to equity
11.32▼
2024 · 12.05
ROE
799.0%▼
2024 · 858.0%
ROA
64.8%▼
2024 · 65.7%
Interest coverage
300.78▲
2024 · 255.01
Debt ≤ 1 year
€329k▲
2024 · €324k
Income taxes
€77k▼
2024 · €77k
Staff costs
€282k▲
2024 · €275k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€351k€358k▲
Fixed assets21/28€2k€13k▲
Tangible fixed assets22/27€2k€13k▲
Plant, machinery and equipment23€2k€13k▲
Current assets29/58€350k€345k▼
Amounts receivable within one year40/41€124k€126k▲
Trade receivables40€124k€126k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€225k€219k▼
Equity and liabilities
Total equity and liabilities10/49€351k€358k▲
Equity10/15€27k€29k▲
Contributions10/11€19k€19k=
Reserves13€8k€10k▲
Distributable reserves133€8k€10k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€324k€329k▲
Amounts payable within one year42/48€324k€329k▲
Financial debts43€13k€24k▲
Credit institutions430/8€13k€24k▲
Trade debts44€13k€9k▼
Suppliers440/4€13k€9k▼
Taxes, remuneration and social security45€69k€66k▼
Taxes450/3€40k€32k▼
Remuneration and social security454/9€29k€35k▲
Other amounts payable47/48€230k€230k=
Income statement
Code20242025
Non-recurring operating income76A-€826
Remuneration, social security and pensions62€275k€282k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€6k▲
Other operating charges640/8€843€697▼
Gross operating margin9900€586k€600k▲
Operating profit (loss)9901€309k€310k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€308k€309k▲
Income taxes67/77€77k€77k▼
Profit (loss) for the period9904€231k€232k▲
Profit (loss) for the period to be appropriated9905€231k€232k▲
Appropriation of the result
Profit (loss) to be appropriated9906€231k€232k▲
Transfer to equity691/2€873€2k▲
To other reserves6921€873€2k▲
Profit to be distributed694/7€230k€230k=
Return on contributions (dividend)694€230k€230k=
Social balance
Average headcount (FTE)90874.24.5▲
The notes to these accounts (11 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €232k ▲0.6%
Operating result €310k, net result €232k, both a record.
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €148k ▼5.5%
Net result drops to €148k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Turnhout · 1 establishment unit since 2008
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.
Graatakker 1032300 TurnhoutGround area
518 m²
Building footprint
391 m²
Volume, LiDAR
4,300 m³
Parcel 13452N0024/00T000, Flanders · tallest building 14.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Graatakker 103, 2300 Turnhout
since 20082.171.632.139
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13452N0024/00T000 | Flanders | 517 m² | 1 · 391 m² | 13.9 m · 4 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.
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SAFRAN.BE
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Arnica Design
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BE 1014.156.972
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Of 2,855 companies in sector 18130 we hold annual accounts for 832. 636 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
Founded24-06-2008
Fiscal year end31-12
Activities, NACEBEL 2025
18130Pre-press and pre-media services
74120Graphic design and visual communication
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.