OPSLAG PLUS
ActiveOPSLAG PLUS has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €364k and a net result of €16k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 91% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability70▲+66
Solvency100=
Growth53▲+25
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 5.37 against 8.33 in 2023; short-term debt: 13.2% and cash: 29.5% of total assets), and 13.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-05-2025, 87 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
87 d early
2023
92 d early
2022
49 d early
2021
46 d early
2020
40 d early
2019
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€342k▲ 46.0%
2023 · €235k
2018: €290k
2019: €261k
2020: €333k
2021: €322k
2022: €305k
2023: €235k
2018 → 2024
EBIT margin
7.5%▲ 21.9pp
2023 · -14.5%
2018: 3.5%
2019: 2.4%
2020: 4.4%
2021: 4.8%
2022: 2.0%
2023: -14.5%
2018 → 2024
Net result
€16k
2023 · €-39k
2018: €7k
2019: €5k
2020: €11k
2021: €11k
2022: €4k
2023: €-39k
2018 → 2024
Working capital
€243k▲ 2.1%
2023 · €238k
2018: €225k
2019: €235k
2020: €241k
2021: €250k
2022: €267k
2023: €238k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€333k-€322k▼ 3.5%€305k▼ 5.1%€235k▼ 23.2%€342k▲ 46.0%
Equity€377k-€387k▲ 2.4%€389k▲ 0.6%€350k▼ 10.1%€364k▲ 4.1%
Operating result€15k-€15k▲ 3.6%€6k▼ 60.1%€-34k€26k
Net result€11k-€11k▼ 5.3%€4k▼ 61.8%€-39k€16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €26k after a loss of €34k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €420k
Fixed assets
€121k▲ 6.1%
Current assets
€298k▲ 10.4%
Equity and liabilities €420k
Equity
€364k▲ 4.1%
Debt
€56k▲ 60.2%
The debt ratio rises from 9.0% to 13.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▲
2023 · €-14k
Cash flow
€26k▲
2023 · €-20k
Solvency
86.8%▼
2023 · 91.0%
Current ratio
5.37▼
2023 · 8.33
Quick ratio
2.86▼
2023 · 3.54
Debt / equity
0.15▲
2023 · 0.10
ROE
4.4%▲
2023 · -11.2%
ROA
3.8%▲
2023 · -10.2%
Interest coverage
56.44▲
2023 · -24.03
Debt
€56k▲
2023 · €35k
Debt ≤ 1 year
€56k▲
2023 · €32k
Income taxes
€10k▲
2023 · €5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€385k€420k▲
Fixed assets21/28€114k€121k▲
Tangible fixed assets22/27€107k€114k▲
Land and buildings22€82k€86k▲
Plant, machinery and equipment23€14k€22k▲
Furniture and vehicles24€11k€6k▼
Financial fixed assets28€8k€8k=
Current assets29/58€270k€298k▲
Stocks and contracts in progress3€155k€140k▼
Stocks30/36€132k€140k▲
Contracts in progress37€23k-
Amounts receivable within one year40/41€43k€34k▼
Trade receivables40€36k€26k▼
Other amounts receivable41€7k€8k▲
Cash at bank and in hand54/58€71k€124k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€385k€420k▲
Equity10/15€350k€364k▲
Contributions10/11€25k€25k=
Reserves13€325k€339k▲
Non-distributable reserves130/1€13k€25k▲
Reserves not available under the articles1311€2k€2k=
Other1319€11k€23k▲
Distributable reserves133€312k€314k▲
Amounts payable17/49€35k€56k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€32k€56k▲
Current portion of amounts payable after more than one year42€7k€4k▼
Trade debts44€20k€21k▲
Suppliers440/4€20k€21k▲
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Other amounts payable47/48€883€22k▲
Income statement
Code20232024
Turnover70€235k€342k▲
Goods, raw materials, services and sundry goods60/61€231k€285k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€10k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€12k€15k▲
Other operating charges640/8€7k€6k▼
Gross operating margin9900€4k€57k▲
Operating profit (loss)9901€-34k€26k▲
Financial income75/76B€46€811▲
Recurring financial income75€46€297▲
Non-recurring financial income76B-€514
Financial charges65/66B€603€630▲
Recurring financial charges65€603€630▲
Profit (loss) for the period before taxes9903€-34k€26k▲
Income taxes67/77€5k€10k▲
Profit (loss) for the period9904€-39k€16k▲
Transfer from tax-exempt reserves789€39k-
Profit (loss) for the period to be appropriated9905€0€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€0€16k▲
Transfer to equity691/2-€14k
To other reserves6921-€14k
Profit to be distributed694/7-€2k
Directors or managers695-€2k
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
2025
05-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-39k ▼1065%
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
14-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Sint-Lievens-Houtem · 1 establishment unit since 1984
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.
Oordegemstraat 79520 Sint-Lievens-HoutemGround area
3,552 m²
Building footprint
1,062 m²
Volume, LiDAR
6,322 m³
Parcel 41072E0397/00B002, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Oordegemstraat 7, 9520 Sint-Lievens-Houtem
since 19842.024.139.085
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41072E0397/00B002 | Flanders | 3,552 m² | 1 · 1,062 m² | 7.2 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.
Similar companies · same sector, comparable size
EOS
BE 0890.974.692
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Trappen Van Hoo
BE 0810.679.379
Deinze · Eq €364k
RAMEN EN DEUREN BOONEN R.
BE 0820.219.429
Kasterlee · Eq €364k
SCHRIJN - EN TIMMERWERKEN MARC SMET
BE 0442.417.097
Temse · Eq €364k
ALDAKON DAKWERKEN
BE 0465.135.586
Lier · Eq €365k
Of 20,033 companies in sector 43320 we hold annual accounts for 9,135. 6,572 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1984
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.