Active BE 0764.603.389Private limited company

OPUS

De Vunt 14 ·3220 Holsbeek, Belgium· 5 yrs active

Sector: Financial services (64210)

Conclusion Checked

OPUS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.90M and a net result of €615k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 83% of 478 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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

Key figures

Equity	€3.90M
Net result	€615k
Better than sector	83%
Active	5 yrs

Snowflake analysis 5 axes · computed by Checked

58 / 100

Mixed profile: strong on stability, weaker on health.

Health 0

Profitability 79

Solvency 67

Growth 52

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview4 NBB filings

Annual accounts filed on 02-02-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Trajectory (indicative)

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

growing Equity: growth of ~11.1%/year over 4 fiscal years, indicative, assuming unchanged policy.

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 64, Financial services · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	82.3%	42.4%	better than 83% of 478 sector peers
Net result	€615k	€73k	better than 90% of 478 sector peers
Equity	€3.90M	€466k	better than 88% of 478 sector peers
Gross operating margin	€-66k	€88k	better than 5% of 477 sector peers
Total assets	€4.74M	€1.55M	better than 81% of 478 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€615k

-2.4% far above sector median

Total assets

€4.74M

-2.8% far above sector median

Equity

€3.90M

+6.4% far above sector median

Income taxes

€2k

- +58% vs sector

Dividends

€227k

-22.7% far above sector median

Debt

€839k

-30.6% far above sector median

Debt ≤ 1y

€447k

-23.3% far above sector median

Debt > 1y

€392k

-37.5% far above sector median

Solvency

82.3%

+9.5% -8% vs sector

ROE

15.8%

-8.3% far above sector median

ROA

13.0%

+0.4% far above sector median

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	n/a
EBITDA	n/a
Net profit	€615k
Cash flow	n/a
Staff costs	-
Income taxes	-
Dividends	€227k
Total assets	€4.74M
Equity	€3.90M
Debt	€839k
of which ≤ 1y	€447k
of which > 1y	€392k
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	82.3%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	13.0%
ROE	15.8%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Assets

Fixed assets €4.59M · 96.9% Current assets €149k · 3.1%

Equity & liabilities

Equity €3.90M · 82.3% Debt €839k · 17.7%

Full annual accounts

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€4.74M
Fixed assets	21/28	€4.59M
Financial fixed assets	28	€4.59M
Current assets	29/58	€149k
Amounts receivable within one year	40/41	€135k
Cash & bank	54/58	€12k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€4.74M
Equity	10/15	€3.90M
Contributions / capital	10/11	€25k
Accumulated profits (losses)	14	€3.88M
Amounts payable	17/49	€839k
Amounts payable after one year	17	€392k
Amounts payable within one year	42/48	€447k
Trade debts payable within one year	44	€1k
Income statement
Gross operating margin	9900	€-66k
Operating result	9901	€-72k
Financial income	75	€700k
Financial charges	65	€12k
Result before taxes	9903	€615k
Net result for the period	9904	€615k
Result to be appropriated	9905	€615k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Financial services(64210)
Legal form	Private limited company(610)
Incorporation	03-03-2021
Status	Active
Postal code	3220

Establishment units 1 location

OPUS

De Vunt 14, 3220 HolsbeekComputerconsultancy-activiteiten

since 20212.315.696.539

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24043A0018/00V002	Flanders	5,294 m²	1 · 2,759 m²	13.8 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

02-02-2026

NBB filing Annual accounts filed

fiscal year 2025 · verkort

2025

28-02-2025

NBB filing Annual accounts filed

fiscal year 2024 · verkort

2024

28-01-2024

NBB filing Annual accounts filed

fiscal year 2023 · verkort

2023

14-02-2023

NBB filing Annual accounts filed

fiscal year 2022 · verkort

2022

11-05-2022

State Gazette act Capital & shares

Baudouin VERELST

Belgisch Staatsblad, acts 1 acts

Capital history · 1

11-05-2022

Capital change

All acts · 1 updated 4 years ago

2022

11-05-2022 All shares are now held by a single shareholder Capital & shares·Baudouin VERELST

Notary: Baudouin VERELST · HalenFirm: Notaris Baudouin Verelst BV

Original publication ↗

Technical details

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  "bedrijfsrevisor": null,
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  "co_filed_documents": [
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Credit advice verdict per customer and amount

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activiteiten van holdings64210Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Adviesbureaus op het gebied van public relations en communicatie70210Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990

Primary activity highlighted.

Names & trade names

Legal nameNL

OPUS

Registered office

De Vunt 14

3220 Holsbeek, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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