Opsommer Handel en Vervoer
ActiveSummary
Opsommer Handel en Vervoer has been active since 1970 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.42M and a net result of €659k. Equity is growing by ~27.3% per year across the filed fiscal years. Its solvency ranks better than 41% of 9038 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▲+3
Solvency61▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 1.55 in 2023; short-term debt: 23% and cash: 1% of total assets), but 63.7% 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
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 2024Solvency, return and age of the figures
Solvency
36.3%
Return on assets
9.9%
Age of the figures
21 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
on the day
2022
on the day
2021
3 d early
2020
30 d late
2019
28 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€2.42M▲ 37.4%
2023 · €1.76M
2018: €594k
2019: €627k
2020: €673k
2021: €832k
2022: €1.49M
2023: €1.76M
2018 → 2024
Total assets
€6.67M▲ 71.4%
2023 · €3.89M
2018: €2.88M
2019: €3.03M
2020: €3.22M
2021: €3.72M
2022: €4.10M
2023: €3.89M
2018 → 2024
Net result
€659k▲ 142%
2023 · €272k
2018: €79k
2019: €34k
2020: €48k
2021: €163k
2022: €664k
2023: €272k
2018 → 2024
Working capital
€970k▼ 14.8%
2023 · €1.14M
2018: €276k
2019: €297k
2020: €338k
2021: €519k
2022: €1.14M
2023: €1.14M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€673k-€832k▲ 23.6%€1.49M▲ 79.3%€1.76M▲ 18.0%€2.42M▲ 37.4%
Operating result€105k-€275k▲ 160%€1.02M▲ 272%€438k▼ 57.2%€869k▲ 98.5%
Net result€48k-€163k▲ 240%€664k▲ 307%€272k▼ 59.0%€659k▲ 142%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 98% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €6.67M
Fixed assets
€4.16M ▲ 502%
Current assets
€2.50M ▼ 21.7%
Equity and liabilities €6.67M
Equity
€2.42M ▲ 37.4%
Debt
€4.25M ▲ 99.5%
Debt's share of the balance-sheet total rises from 54.7% to 63.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.12M▲
2023 · €602k
Cash flow
€909k▲
2023 · €436k
Current ratio
1.63▲
2023 · 1.55
Quick ratio
1.21▼
2023 · 1.23
Debt to equity
1.76▲
2023 · 1.21
ROE
27.2%▲
2023 · 15.5%
ROA
9.9%▲
2023 · 7.0%
Interest coverage
19.94▲
2023 · 12.46
Debt ≤ 1 year
€1.53M▼
2023 · €2.06M
Debt > 1 year
€2.71M▲
2023 · €70k
Income taxes
€205k▲
2023 · €119k
Staff costs
€418k▼
2023 · €430k
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 · 2024 against 2023 · 65 lines
Balance sheet
Code20232024
Assets
Total assets20/58€3.89M€6.67M▲
Fixed assets21/28€692k€4.16M▲
Intangible fixed assets21€2k€758▼
Tangible fixed assets22/27€690k€4.16M▲
Land and buildings22€465k€2.82M▲
Plant, machinery and equipment23€178k€1.18M▲
Furniture and vehicles24€5k€153k▲
Leasing and similar rights25€41k€16k▼
Financial fixed assets28€50€50=
Current assets29/58€3.20M€2.50M▼
Stocks and contracts in progress3€672k€646k▼
Stocks30/36€672k€646k▼
Amounts receivable within one year40/41€1.96M€1.79M▼
Trade receivables40€1.96M€1.65M▼
Other amounts receivable41-€139k
Cash at bank and in hand54/58€544k€66k▼
Deferred charges and accrued income490/1€21k€5k▼
Equity and liabilities
Total equity and liabilities10/49€3.89M€6.67M▲
Equity10/15€1.76M€2.42M▲
Contributions10/11€19k€19k=
Reserves13€1.74M€2.40M▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€0-
Other1319€4k€4k=
Tax-exempt reserves132€29k€29k=
Distributable reserves133€1.71M€2.37M▲
Profit (loss) carried forward14€0€0=
Investment grants15€0-
Provisions and deferred taxes16€0-
Deferred taxes168€0-
Amounts payable17/49€2.13M€4.25M▲
Amounts payable after more than one year17€70k€2.71M▲
Financial debts170/4€70k€2.71M▲
Amounts payable within one year42/48€2.06M€1.53M▼
Current portion of amounts payable after more than one year42€70k€295k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€1.59M€982k▼
Suppliers440/4€1.59M€982k▼
Taxes, remuneration and social security45€259k€94k▼
Taxes450/3€218k€53k▼
Remuneration and social security454/9€41k€41k▲
Other amounts payable47/48€136k€162k▲
Income statement
Code20232024
Non-recurring operating income76A€0€15k▲
Remuneration, social security and pensions62€430k€418k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€164k€250k▲
Other operating charges640/8€31k€33k▲
Gross operating margin9900€1.06M€1.57M▲
Operating profit (loss)9901€438k€869k▲
Financial income75/76B€2k€51k▲
Recurring financial income75€2k€47k▲
Non-recurring financial income76B-€5k
Financial charges65/66B€48k€56k▲
Recurring financial charges65€48k€56k▲
Profit (loss) for the period before taxes9903€392k€864k▲
Transfer from deferred taxes780€375€0▼
Income taxes67/77€119k€205k▲
Profit (loss) for the period9904€272k€659k▲
Profit (loss) for the period to be appropriated9905€272k€659k▲
Appropriation of the result
Profit (loss) to be appropriated9906€272k€659k▲
Transfer to equity691/2€269k€659k▲
To other reserves6921€269k€659k▲
Profit to be distributed694/7€3k€0▼
Directors or managers695€3k€0▼
Social balance
Average headcount (FTE)90874.44.1▼
The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Equity above €2MEq €2.42M ▲37.4%
7 profitable years in a row build equity to €2.42M.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €664k ▲307%
Operating result €1.02M, net result €664k, both a record.
31-12
Financial
Equity above €1MEq €1.49M ▲79.3%
5 profitable years in a row build equity to €1.49M.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €34k ▼57.1%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 10 days late
2016
06-06
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, Ieper · 1 establishment unit since 1971
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.
Dikkebusseweg 3048908 IeperGround area
1.9 ha
Building footprint
5,993 m²
Volume, LiDAR
47,996 m³
Parcel 33026D0352/00L002, Flanders · tallest building 13.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OPSOMMER HANDEL EN VERVOER
since 19712.005.660.189
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33026D0352/00L002 | Flanders | 1.9 ha | 1 · 5,993 m² | 13.9 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 3,504 EUR awarded · 3,504 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,729 EUR | 2,729 EUR |
| 2024 | 1 | 194 EUR | 194 EUR |
| 2023 | 1 | 393 EUR | 393 EUR |
| 2022 | 1 | 188 EUR | 188 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteIeper2.005.660.189
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VITAL LASCHET
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Of 689 companies in sector 46216 we hold annual accounts for 476. 349 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
Founded19-06-1970
Fiscal year end31-12
Abbreviation NL
Opsommer
Activities, NACEBEL 2025
46216Wholesale of agricultural produce and animal feed, general range
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.