Active BE 0643.590.941Private limited company

Opseo

Hoenderveld 11 ·2390 Malle, Belgium· 10 yrs active

Sector: Computer consultancy and computer facilities management (62200)

Conclusion Checked

Opseo has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €1k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 73% of 16691 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€37k
Net result	€1k
Better than sector	73%
Active	10 yrs

Financial profile 5 of 5 axes measured · computed by Checked

72 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 91

Profitability 19

Solvency 100

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.2% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2015, 10 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

91 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€4k

estimate, not credit advice

Score history

93 2022

93 2023

86 2024

91 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 5.79 (≥ 1.5) +10

Quick ratio Quick ratio 5.79 (≥ 1.0) +5

Leverage Debt/equity 0.26 (< 1.0) +10

Profitability ROE 4% +3

Interest coverage Interest coverage 13.4× (≥ 3×) +8

Profit trend Net profit up YoY +5

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview4 NBB filings

Annual accounts filed on 03-07-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 4 fiscal years (±2%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 62, Computer programming, consultancy and related activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	79.5%	60.0%	better than 73% of 16691 sector peers
Net result	€1k	€29k	better than 21% of 16700 sector peers
Equity	€37k	€72k	better than 34% of 16697 sector peers
Gross operating margin	€5k	€55k	better than 15% of 16686 sector peers
Total assets	€46k	€141k	better than 15% of 16705 sector peers

EBITDA

€4k

+17.6% 22-25

Net profit

€1k

+267.4% 22-25

Cash flow

€3k

+8.7% 22-25

Total assets

€46k

-4.8% 22-25

Equity

€37k

-2.5% 22-25

Working capital

€38k

+2.6% 22-25

Income taxes

€552

+186.1% 22-25

Dividends

€2k

+31.9% 22-25

Debt

€10k

-12.7% 22-25

Debt ≤ 1y

€8k

-14.7% 22-25

Current ratio

5.79

+16.2% 22-25

Quick ratio

5.79

+16.2% 22-25

Solvency

79.5%

+2.4% 22-25

Debt / equity

0.26

-10.4% 22-25

ROE

3.8%

+276.9% 22-25

ROA

3.0%

+285.9% 22-25

Interest coverage

13.37

+16.9% 22-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022
Deposit	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-
EBITDA	€4k	€4k	€16k	€20k
Net profit	€1k	€377	€11k	€14k
Cash flow	€3k	€3k	€13k	€16k
Staff costs	-	-	-	-
Income taxes	€552	€193	€3k	€4k
Dividends	€2k	-	€2k	€13k
Total assets	€46k	€49k	€60k	€61k
Equity	€37k	€38k	€37k	€34k
Debt	€10k	€11k	€22k	€28k
of which ≤ 1y	€8k	€9k	€21k	€26k
of which > 1y	-	-	-	-
Working capital	€38k	€37k	€34k	€28k
Employees (FTE)	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022
Current ratio	5.79	4.98	2.67	2.06
Quick ratio	5.79	4.98	2.67	2.06
Working capital ratio	82.7%	76.8%	57.7%	45.5%
Solvency	79.5%	77.6%	62.9%	54.8%
Debt / equity	0.26	0.29	0.59	0.82
Long-term debt ratio	-	-	-	-
Interest coverage	13.37	11.44	259.64	52.22
Gross margin	-	-	-	-
Net margin	-	-	-	-
ROA	3.0%	0.8%	17.7%	22.2%
ROE	3.8%	1.0%	28.2%	40.5%
EBITDA margin	-	-	-	-
Days sales outstanding	-	-	-	-
Days payable outstanding	-	-	-	-
Inventory turnover	-	-	-	-
Days inventory (DSI)	-	-	-	-

Balance-sheet composition 2025

Equity & liabilities

Equity €37k · 79.5% Debt €10k · 20.5%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€46k	€49k	€60k	€61k
Fixed assets	21/28	-	€2k	€5k	€7k
Intangible fixed assets	21	-	€2k	€4k	€6k
Tangible fixed assets	22/27	-	-	€407	€820
Current assets	29/58	€46k	€47k	€55k	€54k
Amounts receivable within one year	40/41	€3k	€5k	€8k	€4k
Investments	50/53	€21k	€21k	€21k	€21k
Cash & bank	54/58	€22k	€21k	€26k	€29k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€46k	€49k	€60k	€61k
Equity	10/15	€37k	€38k	€37k	€34k
Contributions / capital	10/11	€1k	€1k	€1k	€1k
Reserves	13	€36k	€37k	€36k	€33k
Amounts payable	17/49	€10k	€11k	€22k	€28k
Amounts payable within one year	42/48	€8k	€9k	€21k	€26k
Trade debts payable within one year	44	€946	€2k	€1k	€732
Income statement
Gross operating margin	9900	€5k	€4k	€16k	€20k
Operating result	9901	€2k	€879	€13k	€17k
Financial income	75	€2	€0	€142	€1k
Financial charges	65	€311	€309	€61	€374
Result before taxes	9903	€2k	€570	€13k	€18k
Income taxes	67/77	€552	€193	€3k	€4k
Net result for the period	9904	€1k	€377	€11k	€14k
Result to be appropriated	9905	€1k	€377	€11k	€14k

Directors & mandates 2 directors

Current directors & mandates

Dieter Vertessen
Director
State Gazette act 22385612 (22-12-2022)

Current
22-12-2022 → present

Former directors (1)

Guy Parmentier
Manager
State Gazette act 22385612 (22-12-2022)

Former
- → 22-12-2022

Legal Structure

NACE primary	Computer consultancy and computer facilities management(62200)
Legal form	Private limited company(610)
Incorporation	25-11-2015
Status	Active
Postal code	2390

Establishment units 1 location

Opseo

Hoenderveld 11, 2390 MalleIT consultancy

since 20152.247.901.556

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11049B0367/00C000	Flanders	411 m²	1 · 77 m²	10.4 m · 3 fl.

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.

Updates 5 events

All 6Financial 1Gazette 1Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

03-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

04-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €377 ▼96.4%

Net result drops to €377, the lowest in the series; recovery starts the following year.

30-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

03-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

22-12

State Gazette act Director changes

Michelle Wilmsen

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 3 years ago

2022

22-12-2022 1 director appointed, 1 resigning, 1 reappointed Director changes·Michelle Wilmsen

Dieter Vertessen, Bestuurder
Guy Parmentier, Zaakvoerder
Dieter Vertessen, Bestuurder

Notary: Michelle Wilmsen · Beerse

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

IT consultancy62020Computer consultancy and computer facilities management62200Computer programming, consultancy and related activities62010Computer programming62100Computing infrastructure, data processing, hosting and related activities63100Computing infrastructure, data processing, hosting and other information service activities63110Computing infrastructure, data processing, hosting and other information service activities63120Web portal activities63910

Names & trade names

Legal nameNL

Opseo

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