OPSolutions
ActiveSummary
OPSolutions has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €1k. Equity is growing by ~63.2% per year across the filed fiscal years. Its solvency ranks better than 21% of 4556 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability38▼-20
Solvency32=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.08 against 1.07 in 2024; short-term debt: 92.8% and cash: 0.1% of total assets), and 92.8% of the assets are financed with debt.
Credit check 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 · 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
7.2%
Return on assets
0.4%
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 21% of 4556 sector peers (2025).
NBB · sector comparisonPosition among 4556 sector peers
Solvency
better than 21%
← 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 02-07-2026, 29 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
29 d early
2024
43 d early
2023
223 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1k▼ 95.3%
2024 · €23k
2023: €-9klowest in 3 years
2024: €23k▲ +357% vs 2023highest in 3 years
2025: €1k▼ -95.3% vs 2024
2023 → 2025
Working capital
€20k▲ 5.7%
2024 · €19k
2023: €-4klowest in 3 years
2024: €19k▲ +583% vs 2023
2025: €20k▲ +5.7% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-4k-€19k€20k▲ 5.7%
2023: €-4klowest in 3 years
2024: €19k▲ +583% vs 2023
2025: €20k▲ +5.7% vs 2024highest in 3 years
Operating result€-8k-€33k€-2k
2023: €-8klowest in 3 years
2024: €33k▲ +523% vs 2023highest in 3 years
2025: €-2k▼ -105% vs 2024
Net result€-9k-€23k€1k▼ 95.3%
2023: €-9klowest in 3 years
2024: €23k▲ +357% vs 2023highest in 3 years
2025: €1k▼ -95.3% vs 2024
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €33k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €280k
Equity
€20k ▲ 5.7%
Debt
€260k ▼ 0.3%
Debt's share of the balance-sheet total falls from 93.2% to 92.8%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
1.08▲
2024 · 1.07
Quick ratio
0.73▲
2024 · 0.73
Debt to equity
12.91▼
2024 · 13.68
ROE
5.4%▼
2024 · 120.7%
ROA
0.4%▼
2024 · 8.2%
Debt ≤ 1 year
€260k▼
2024 · €261k
Income taxes
€-3k▼
2024 · €8k
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 · 29 lines
Balance sheet
Code20242025
Assets
Total assets20/58€280k€280k▲
Current assets29/58€280k€280k▲
Stocks and contracts in progress3€89k€89k=
Stocks30/36€89k€89k=
Amounts receivable within one year40/41€191k€191k=
Other amounts receivable41€191k€191k=
Cash at bank and in hand54/58€23€396▲
Equity and liabilities
Total equity and liabilities10/49€280k€280k▲
Equity10/15€19k€20k▲
Contributions10/11€5k€5k=
Capital10€5k€5k=
Issued capital100€5k€5k=
Profit (loss) carried forward14€14k€15k▲
Amounts payable17/49€261k€260k▼
Amounts payable within one year42/48€261k€260k▼
Taxes, remuneration and social security45€8k€6k▼
Taxes450/3€8k€6k▼
Other amounts payable47/48€252k€254k▲
Income statement
Code20242025
Other operating charges640/8-€230
Gross operating margin9900€33k€-1k▼
Operating profit (loss)9901€33k€-2k▼
Financial charges65/66B€1k€52▼
Recurring financial charges65€1k€52▼
Profit (loss) for the period before taxes9903€31k€-2k▼
Income taxes67/77€8k€-3k▼
Profit (loss) for the period9904€23k€1k▼
Profit (loss) for the period to be appropriated9905€23k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€15k▲
Profit (loss) brought forward from the previous period14P€-9k€14k▲
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Other operating charges640/8 | €670 | - | €230 | - |
| Gross operating margin9900 | €-7k | €33k | €-1k | ▼ 104% |
| Operating profit (loss)9901 | €-8k | €33k | €-2k | ▼ 105% |
| Financial charges65/66B | €1k | €1k | €52 | ▼ 96.3% |
| Recurring financial charges65 | €1k | €1k | €52 | ▼ 96.3% |
| Profit (loss) for the period before taxes9903 | €-9k | €31k | €-2k | ▼ 105% |
| Income taxes67/77 | - | €8k | €-3k | ▼ 133% |
| Profit (loss) for the period9904 | €-9k | €23k | €1k | ▼ 95.3% |
| Profit (loss) for the period to be appropriated9905 | €-9k | €23k | €1k | ▼ 95.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €247k | €280k | €280k | ▲ 0.1% |
| Current assets29/58 | €247k | €280k | €280k | ▲ 0.1% |
| Stocks and contracts in progress3 | €191k | €89k | €89k | = |
| Stocks30/36 | €191k | €89k | €89k | = |
| Amounts receivable within one year40/41 | €56k | €191k | €191k | = |
| Other amounts receivable41 | €56k | €191k | €191k | = |
| Cash at bank and in hand54/58 | €5 | €23 | €396 | ▲ 1,634% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €247k | €280k | €280k | ▲ 0.1% |
| Equity10/15 | €-4k | €19k | €20k | ▲ 5.7% |
| Contributions10/11 | €5k | €5k | €5k | = |
| Capital10 | €5k | €5k | €5k | = |
| Issued capital100 | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €-9k | €14k | €15k | ▲ 7.8% |
| Amounts payable17/49 | €251k | €261k | €260k | ▼ 0.3% |
| Amounts payable within one year42/48 | €251k | €261k | €260k | ▼ 0.3% |
| Taxes, remuneration and social security45 | - | €8k | €6k | ▼ 33.0% |
| Taxes450/3 | - | €8k | €6k | ▼ 33.0% |
| Other amounts payable47/48 | €251k | €252k | €254k | ▲ 0.8% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €-9k | €23k | €1k | ▼ 95.3% |
| Operating cash flow (approximation) | €-9k | €23k | €1k | ▼ 95.3% |
| Change in cash | - | €18 | €374 | ▲ 2,001% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
11-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 223 days late
2024
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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Directors · office · real estate
Directors
2 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, Waterloo · 1 establishment unit since 2023
Ground area
2,963 m²
Building footprint
261 m²
Volume, LiDAR
860 m³
2 parcels, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
KOPINVEST
since 20232.345.922.630
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52003B0697/00E003 | Wallonia | 2,543 m² | 1 · 131 m² | - |
| 25764O0281/00C000 | Wallonia | 420 m² | 1 · 130 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,136 companies in sector 68201 we hold annual accounts for 6,765. 2,226 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
68121Development of residential building projects
68203Renting and operating of own or leased non-residential real estate, excluding land
Scores and ratios are computed by Checked and are not a credit decision.