OPPORTUNITY CARS
ActiveSummary
OPPORTUNITY CARS has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-39k) and a net result of €-17k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
22
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.41 against 1.1 in 2024; short-term debt: 241.9% and cash: 8.7% of total assets), and equity is negative.
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-240%
Return on assets
-102.1%
Age of the figures
12 mo
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
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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-39k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-03-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
33 d early
2023
39 d early
2022
40 d early
2021
30 d early
2020
77 d early
2019
69 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-39k▼ 74.0%
2024 · €-23k
2018: €-29k
2019: €-30k
2020: €-31k
2021: €-27k
2022: €-4k
2023: €19k
2024: €-23k
2018 → 2025
Total assets
€16k▼ 61.0%
2024 · €42k
2021: €176k
2022: €194k
2023: €242k
2024: €42k
2021 → 2025
Net result
€-17k▲ 59.5%
2024 · €-41k
2018: €-734
2019: €-576
2020: €-763
2021: €4k
2022: €23k
2023: €22k
2024: €-41k
2018 → 2025
Working capital
€-23k
2024 · €4k
2021: €-27k
2022: €-4k
2023: €55k
2024: €4k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-27k-€-4k▲ 86.1%€19k€-23k€-39k▼ 74.0%
Operating result€5k-€30k▲ 549%€35k▲ 17.8%€-33k€-15k▲ 54.1%
Net result€4k-€23k▲ 467%€22k▼ 2.7%€-41k€-17k▲ 59.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2025 against €33k in 2024; the loss shrinks.
Key figures and ratios
Solvency
-240.0%▼
2024 · -53.8%
Current ratio
0.41▼
2024 · 1.10
Debt to equity
-1.42▲
2024 · -2.86
ROA
-102.1%▼
2024 · -98.4%
Debt
€55k▼
2024 · €64k
Debt ≤ 1 year
€39k▲
2024 · €38k
Debt > 1 year
€16k▼
2024 · €26k
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 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€42k€16k▼
Current assets29/58€42k€16k▼
Amounts receivable within one year40/41€29k€15k▼
Trade receivables40€19k€7k▼
Other amounts receivable41€9k€7k▼
Cash at bank and in hand54/58€13k€1k▼
Deferred charges and accrued income490/1€569-
Equity and liabilities
Total equity and liabilities10/49€42k€16k▼
Equity10/15€-23k€-39k▼
Contributions10/11€19k€19k=
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Profit (loss) carried forward14€-42k€-59k▼
Amounts payable17/49€64k€55k▼
Amounts payable after more than one year17€26k€16k▼
Financial debts170/4€26k€16k▼
Amounts payable within one year42/48€38k€39k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€433€1k▲
Suppliers440/4€433€1k▲
Other amounts payable47/48€28k€28k=
Income statement
Code20242025
Other operating charges640/8€3k€325▼
Non-recurring operating charges66A€7k€63▼
Gross operating margin9900€-23k€-15k▲
Operating profit (loss)9901€-33k€-15k▲
Financial charges65/66B€8k€1k▼
Recurring financial charges65€8k€1k▼
Profit (loss) for the period before taxes9903€-41k€-17k▲
Profit (loss) for the period9904€-41k€-17k▲
Profit (loss) for the period to be appropriated9905€-41k€-17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€-59k▼
Profit (loss) brought forward from the previous period14P€-1k€-42k▼
The notes to these accounts (4 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
18-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-41k ▼284%
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €23k ▲467%
Net result €23k, the highest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €4k
Net result €4k after 3 loss-making years.
12-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-03
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Paliseul · 1 establishment unit since 1996
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.
Rue du Baron-Poncelet,Offagne 146850 PaliseulGround area
2,886 m²
Building footprint
421 m²
Volume, LiDAR
2,923 m³
2 parcels, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue d'Offagne 24, 6850 Paliseul
since 19962.078.756.322
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84047A0191/00E000 | Wallonia | 1,471 m² | 1 · 132 m² | 8.8 m · 2 fl. |
| 84050A0912/00A002 | Wallonia | 1,415 m² | 1 · 289 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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BE 0716.674.996
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A&M QUC
BE 0821.690.760
Genk · Eq €18,600
Leurquin Mobil Services
BE 1003.982.860
Walhain · Eq €18,609
CASEAU
BE 0439.184.623
Bastogne · Eq €18,678
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 2,623 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
Founded26-09-1996
Fiscal year end30-09
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.