Debts
€260,011 93% of the balance sheet
OPSolutions
Overview
Lifetime
3 annual accounts with figures on one time axispeak €32,788 (2024)
-€1,392▼ €34,180
lowest -€8,942 (2023)
€1,091▼ 95.3%
peak €20,144 (2025)
€20,144▲ 5.7%
€260,011▼ 0.3%
Board3 names since 2023
2 directors and 1 other
Documentsfilings and deeds
02-07-202629 days before the deadline
2025financial year
Gross margin from €32,788 to -€1,392Result from €22,996 to €1,091Cash from €23 to €396
Key points
from the 2025 annual accountsFilings
3 annual accounts 1 late
The 2023 accounts came 223 days late. The other two were filed on time.
Position in the sector
€20,144
Less equity than 85% of companies in real estate. Sector median €942,893 · 5,813 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 2,135 companies had the same profile as OPSolutions has now. Each dot stands for 6 companies, two years later.
92.0%
were still trading
2.3%
stopped another way
5.2%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,135 companies, not a prediction for OPSolutions. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Board and ownership
Director
Director
- 50 sharesdeed of 13-01-2023
- 50 sharesdeed of 13-01-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0797045139
Company renamed from KOPINVEST to OPSolutions
Registered office moved from Seneffe to Waterloo · New registered office: Chaussée de Louvain numéro 187, 1410 WATERLOO · Previous registered office: rue de l’Equipée numéro 32, 7181 SENEFFE · General meeting of 21-11-2024 · Gazette deed
Incorporation
Founding capital of €5,000, 100 shares · Founders: and · Appointments: (director) and (director) · published on 13-01-2023 · Gazette deed
First establishment
KOPINVEST, Rue de l'Equipée 32, Seneffe
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| OPSolutions Waterloo | €280,155 | -€1,392 | 7.2% | - |
| DW DEVELOPMENT Charleroi | €279,145 | -€772 | -15.1% | - |
| DE MEULEN Wichelen | €287,841 | -€9,476 | 9.5% | - |
| BLACK ROCK Dilsen-Stokkem | €315,037 | -€8,683 | 8.8% | - |
| BERTIN HOUSE Charleroi | €305,968 | -€11,713 | -8.3% | - |
| IMMO DRY Saint-Josse-ten-Noode | €321,222 | -€3,497 | -8.0% | - |
| IMMO PROSPERITY Anderlues | €232,788 | -€55,294 | -17.5% | - |
These companies have the same main activity as OPSolutions: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €233,000 and €321,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 11-01-2023Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 2 others
- Establishment unit
- 2.345.922.6307181 Seneffe, since 11-01-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 03-12-2025
Annual accounts 2025
- -€1,392
- €1,091▼ 95.3%
- €20,144▲ 5.7%
- €280,155▲ 0.1%
- Filing
- Filed on 02-07-2026, 29 days before the end of the filing period
Insights on OPSolutions
The 2025 annual accounts show equity of €20,144 and a net result of €1,091. Equity has been growing by about 63% per year since 2023.
Its solvency ranks better than 21% of 5,812 sector peers (NACE 68, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
full format, filed on 02-07-2026, 29 days before the deadline-€1,392
▼ €34,180
-€1,622
▼ €34,410
€1,091
▼ 95.3%
€20,144
▲ 5.7%
7.2%
▲ 0.4 percentage points
1.08
▲ 0.00
Turnover: not included in this filing.
Balance sheet
balance sheet total €280,155 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
7.2%
Higher than 21% of 5,812 companies in 2025.
1.08
Higher than 45% of 5,563 companies in 2025.
0.4%
Higher than 45% of 5,786 companies in 2025.
OPSolutions
Middle half of the sector
80% of the sector
Full accounts in real estate (NACE 68)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
280,155 | 279,782 | 247,144 | |
29/58 |
280,155 | 279,782 | 247,144 | |
3 |
89,250 | 89,250 | 191,250 | |
30/36 |
89,250 | 89,250 | 191,250 | |
40/41 |
190,509 | 190,509 | 55,889 | |
41 |
190,509 | 190,509 | 55,889 | |
54/58 |
396 | 23 | 5 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
280,155 | 279,782 | 247,144 | |
10/15 |
20,144 | 19,054 | -3,942 | |
10/11 |
5,000 | 5,000 | 5,000 | |
10 |
5,000 | 5,000 | 5,000 | |
100 |
5,000 | 5,000 | 5,000 | |
14 |
15,144 | 14,054 | -8,942 | |
17/49 |
260,011 | 260,728 | 251,086 | |
42/48 |
260,011 | 260,728 | 251,086 | |
45 |
5,606 | 8,371 | - | |
450/3 |
5,606 | 8,371 | - | |
47/48 |
254,405 | 252,357 | 251,086 | |
| Income statement | ||||
9900 |
-1,392 | 32,788 | -7,078 | |
640/8 |
230 | - | 670 | |
9901 |
-1,622 | 32,788 | -7,749 | |
65/66B |
52 | 1,421 | 1,193 | |
65 |
52 | 1,421 | 1,193 | |
9903 |
-1,674 | 31,367 | -8,942 | |
67/77 |
-2,765 | 8,371 | - | |
9904 |
1,091 | 22,996 | -8,942 | |
9905 |
1,091 | 22,996 | -8,942 | |
| Appropriation of the result | ||||
9906 |
15,144 | 14,054 | -8,942 | |
14P |
14,054 | -8,942 | - | |
| Document | ||||
Source: Annual accounts 2025 at the NBB, filed on 02-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 374 | 18 | - | ||
| 20,144 | 19,054 | -3,942 | ||
| 7.2% | 6.8% | -1.6% | ||
| 1.08 | 1.07 | 0.98 | ||
| 0.73 | 0.73 | 0.22 | ||
| 12.91 | 13.68 | - | ||
| 5.4% | 120.7% | - | ||
| 0.4% | 8.2% | -3.6% |
EBIT margin: not included in this filing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Insights on OPSolutions
The operating result for 2025 is a loss of €1,622, after a profit of €32,788 in 2024.
Debt's share of the balance-sheet total falls from 93.2% to 92.8%. Equity is higher and debt is lower.
Board & ownership
Board
2 directors, no change since 2024Director (not named in the articles)
appointed by deed of 13-01-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 02-07-2026
Director (not named in the articles)
appointed by deed of 03-12-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 02-07-2026
Mandates through the years
3 names, the dashed line is todayDirector (not named in the articles)
Director (not named in the articles)
Director (not named in the articles)
BoardEarlier
Mandates as a list
-
- Director (not named in the articles), appointed by deed of 13-01-2023, still in office
-
- Director (not named in the articles), appointed by deed of 03-12-2024, still in office
-
- Director (not named in the articles), appointed by deed of 13-01-2023, until 02-08-2024
Control
Founders
,
This company
OPSolutions
Equity €20,144
Profit €1,091 in 2025
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €201 in 2025
- Source
- deed of 13-01-2023
Articles of association
deed of 13-01-2023 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
Shareholders
At incorporation
deed of 13-01-2023 ↗
- 50 shares (50%)
- 50 shares (50%)
Network & group
No group
OPSolutions has no parent and no holdings in its annual accounts.
At the same address
Chaussée de Louvain 187, 1410 Waterloo · 4 other companies| Bouzraa, Wassila (sole trader)
establishment since 01-10-2025 |
founded in 2025 1026.863.081 |
| Colonval, Noé (sole trader)
establishment since 01-10-2025 |
founded in 2025 1027.708.466 |
| Mammadova, Selin (sole trader)
establishment since 02-01-2024 |
founded in 2024 1004.112.722 |
| Advisors by SP
registered office since 15-07-2020 |
founded in 2020 0750.680.228 |
Earlier ties
via , at OPSolutions until 2024 · Sole director · deed of 20-07-2021 Bankrupt |
|
via , at OPSolutions until 2024 · Director (not named in the articles) · deed of 20-06-2022 Open bankruptcy |
founded in 2022 |
via , at OPSolutions until 2024 · Director · deed of 13-06-2019 |
founded in 2019 |
via , at OPSolutions until 2024 · Director · deed of 27-12-2023 |
founded in 2023 |
via , at OPSolutions until 2024 · Director · deed of 28-09-2020 No longer active · founded in 2020 |
total assets €604,438 (2021) |
via , at OPSolutions until 2024 · Director · deed of 12-10-2020 No longer active |
Connections & network
This company
Company
Director
Shareholding
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Timeline
Timeline
8 events since 2023Board
Filings
Financial
Establishments
Address
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBfull format · 29 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0797045139
Annual accounts 2024 filed PDFfull format · 43 days before the deadline
Annual accounts 2023 filed PDFfull format · 223 days late
2024
Back to profit net €22,996 The net result is €22,996, after one loss-making year.
Company renamed from KOPINVEST to OPSolutionsRegistered office moved from Seneffe to Waterloo · New registered office: Chaussée de Louvain numéro 187, 1410 WATERLOO · Previous registered office: rue de l’Equipée numéro 32, 7181 SENEFFE · General meeting of 21-11-20248 points ▸
- General meeting, 21-11-2024
- Name change, OPSolutions
- Director resignation, (director (not named in the articles))
- Director discharge, (director (not named in the articles))
- Director reappointment, (director (not named in the articles))
- Director appointment, (director (not named in the articles))
- Registered-office move, Chaussée de Louvain numéro 187, 1410 WATERLOO
- Power of attorney,
- The deed holds 1 more point.
2023
IncorporationFounding capital of €5,000, 100 shares · Founders: and · Appointments: (director) and (director) · published on 13-01-20237 points ▸
- Founder,
- Founder,
- Founding capital, €5,000, 100 shares
- Registered office clause, 7181Seneffe, ruedel'Equipée 32
- Board rule, 2
- Director appointment, (director (not named in the articles))
- Director appointment, (director (not named in the articles))
- The deed holds 7 more points.
First establishment KOPINVEST, Rue de l'Equipée 32, Seneffe
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
OPSolutions was incorporated on 11 January 2023 as a private limited company by two natural persons, with a starting capital of €5,000.12 In 2024 the company took the name OPSolutions.3 The registered office was moved to Waterloo in 2024.3 The board currently has 2 members.4 Total assets rose from €247,144 in 2023 to €280,155 in 2025.5
Company details
Identity
- Enterprise number
- 0797.045.139
- VAT number
- BE 0797.045.139
- Peppol ID
- 0208:0797045139
- Other Peppol ID
- 9925:BE0797045139
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 11-01-2023
- Financial year
- ends on 31 December
- Peppol
- Reachable since 03-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- OPSolutions in French
- Former name
- KOPINVEST until the deed of 03-12-2024
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 13-01-2023 (in French)
Activities
NACEBEL 202568201
Renting and operating of own or leased residential real estate, excluding social housing main activity
Codes under NACEBEL 2008
68201
Real estate activities main activity
41101
Real estate development
68203
Real estate rental
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’aide aux entreprises; La prestation de tous conseils et services à fournir aux entreprises ou aux particuliers, de manière générale, la…”deed of 03-12-2024 (in French)
14 activities
- L’aide aux entreprises
- La prestation de tous conseils et services à fournir aux entreprises ou aux particuliers, de manière générale, la consultance
- En matière administrative, économique, financière, juridique, de communication (à l’exception des matières nécessitant un accès à la profession ou les professions réglementées)
- En matière de stratégie d’entreprise, d’organisation au sens le plus large du terme
- En matière de management et de gestion au sens large du terme
- La prestation de toutes activités didactiques et de formation
- Toutes activités en relation avec les protections des données informatiques
- L'achat et revente de biens immobiliers
- L'entretien et nettoyage de biens immobiliers
- Le courtage, l'entremise ou l'agence en immeubles, prêts hypothécaires, tous types de crédits et d'assurances, financements, placements de capitaux, la mise en valeur de tous biens immobiliers, l'étude et la réalisation de tous lotissements, la promotion, la construction et la transformation, la location, l'emphytéose, la vente et l'achat de tous biens immobiliers, ainsi que le courtage en assurances et réassurances
- Toutes activités immobilières ne nécessitant pas un accès à la profession et notamment, sans être exhaustif, tous travaux de rénovation et de transformation d'immeubles, l'achat, la vente, l'échange, la location, la sous-location, le leasing, la gestion, l'exploitation, l'administration, la mise en valeur, la conception de tous projets immobiliers et, d'une façon générale, toutes transactions et promotions immobilières, ainsi que les activités de conseil, d'étude et de consultance en matière immobilière
- Se constituer un patrimoine comprenant : a) tous biens immobiliers, tant construits qu'à construire, tant en Belgique qu'à l'étranger, ainsi que tous droits immobiliers relatifs à de tels biens (y compris les droits d'emphytéose ou de superficie)
- B) tous investissements financiers, tant dans des valeurs à rente fixe que dans des actions, émises par des sociétés belges ou étrangères
- C) uniquement pour son propre compte donner ou prendre en location, ériger, aliéner ou échanger tous biens meubles ou immeubles, matériels et installations, et d'une manière générale, entreprendre toutes opérations commerciales, industrielles ou financières se rapportant directement ou indirectement à son objet
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Chaussée de Louvain 187 registered office 1410 Waterloo | ||
| KOPINVEST Rue de l'Equipée 32, 7181 Seneffe | 11-01-2023 | 2.345.922.630 |
Buildings and parcels at the addresses
- Ground area
- 2,963 m²
- Buildings
- 261 m²
- Volume, LiDAR
- 1,500 m³
- Tallest building
- 8.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 52003B0697/00E003 | 2,543 m² | 1 · 131 m² | 6.6 m · 2 |
| 25764O0281/00C000 | 420 m² | 1 · 130 m² | 8.0 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0797.045.139