Equity
€7,386 from €52,061 in 2022
Equity fell by 86% in 3 years.
OPUS ADB
Lifetime
6 annual accounts with figures on one time axispeak €117,007 (2020)
€5,242▼ 53.0%
lowest -€39,499 (2023)
-€1,554▲ €2,067
peak €52,061 (2022)
€7,386▼ 17.4%
€16,786▼ 62.8%
peak 1 FTE (2020)
-not published
Board3 names since 2019
2 directorsJohn Dominic Philippe DELFOSSE and 1 other
Documentsfilings and deeds
17-07-202614 days before the deadline
2025micro format
Gross margin from €11,162 to €5,242Loss of €1,554Equity from €8,940 to €7,386Debts from €45,106 to €16,786Cash from €18,835 to €13,055
Key points
from the 2025 annual accountsLosses
-€44,675 in three years
Every financial year from 2023 to 2025 closed with a loss. 2023 was the heaviest.
Turnover
≈ €53,000 estimated
The micro format states no turnover.
Filings
6 annual accounts 1 late
The 2020 accounts came 87 days late. The other five were filed on time.
Starting capital
€6,000 100 shares
Position in the sector
€7,386
Less equity than 85% of companies in specialised construction. Sector median €57,691 · 35,148 companies.
Checked score
79
Excellent
Financially stronger than 32% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.4%
01-2025: 1.3%▼ -0.1 percentage points vs 12-2024
02-2025: 1.3%● unchanged vs 01-2025
03-2025: 1.4%▲ +0.1 percentage points vs 02-2025
04-2025: 1.5%▲ +0.1 percentage points vs 03-2025
05-2025: 1.5%● unchanged vs 04-2025
06-2025: 1.5%● unchanged vs 05-2025
07-2025: 1.7%▲ +0.2 percentage points vs 06-2025highest value
08-2025: 1.1%▼ -0.6 percentage points vs 07-2025
09-2025: 1.1%● unchanged vs 08-2025
10-2025: 1.1%● unchanged vs 09-2025
11-2025: 1.0%▼ -0.1 percentage points vs 10-2025
12-2025: 1.0%● unchanged vs 11-2025
01-2026: 0.9%▼ -0.1 percentage points vs 12-2025
02-2026: 0.9%● unchanged vs 01-2026
03-2026: 1.0%▲ +0.1 percentage points vs 02-2026
04-2026: 1.1%▲ +0.1 percentage points vs 03-2026
05-2026: 1.1%● unchanged vs 04-2026
06-2026: 1.1%● unchanged vs 05-2026
07-2026: 1.1%● unchanged vs 06-2026
08-2026: 0.5%▼ -0.6 percentage points vs 07-2026lowest value
09-2026: 0.5%● unchanged vs 08-2026lowest value
10-2026: 0.5%● unchanged vs 09-2026lowest value
11-2026: 0.5%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Founded in 2019
Sector: Specialised construction activities (NACE 43)
Loss of €1,554, the second in a row (financial year 2025)
lowers risk
Liquidity: current ratio 1.36, cash €13,055
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 32% of them on solvency, 61% on liquidity, 14% on profitability and 20% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,440 companies had the same profile as OPUS ADB has now. Each dot stands for 9 companies, two years later.
90.1%
were still trading
7.4%
stopped another way
2.3%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of OPUS ADB itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 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 3,440 companies, not a prediction for OPUS ADB. 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
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.36 (1.14 in 2024), below the usual 1.5. Short-term debt is 69.4% and cash 54% of total assets. 69.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year -€1,554
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 17-07-2026, 14 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
14 days early
2024
24 days early
2023
15 days early
2022
24 days early
2021
33 days early
2020
87 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 4 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 7 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- MERTENS Chloé Clémence 49 sharesdeed of 19-03-2021
- DELFOSSE John 51 sharesdeed of 19-03-2021
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0732843215
Resignation: RAPPE Nicolas (director)
Transfer of shares from RAPPE Nicolas to MERTENS Chloé Clémence · Appointment: MERTENS Chloé Clémence (director) · Director discharge: RAPPE Nicolas · General meeting of 15-01-2021 · Gazette deed
Incorporation
Founding capital of €6,000, 100 shares · Founders: DELFOSSE, John Dominic Philippe; RAPPE, Nicolas Michel Martin Thierry · Appointments: DELFOSSE, John Dominic Philippe (director) and RAPPE, Nicolas Michel Martin Thierry (director) · published on 28-08-2019 · Gazette deed
First establishment
Vergotestraat 3, Schaerbeek
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| OPUS ADB Schaerbeek | €24,172 | €5,242 | 30.6% | - |
| PROJECTHOME 18 Amay | €21,425 | €3,751 | 3.7% | - |
| MAR-BRU Schaerbeek | €23,070 | €3,346 | 20.0% | - |
| R.A.M. RUBENS Forest | €32,375 | €2,763 | 49.8% | - |
| B. DETHIER PEINTURE & DECORATION Theux | €20,234 | €6,772 | 13.3% | - |
| INO-PEINTURE Liège | €26,851 | €2,954 | 35.7% | - |
| NUANCES COULEURS Châtelet | €50,963 | €4,732 | 9.8% | - |
These companies have the same main activity as OPUS ADB: wallpapering and laying of floor and wall coverings in other materials (NACE 43333). They are comparable in size and age: total assets between €20,200 and €51,000, founded between 2014 and 2022.
Official details
Source: KBO- Status
- Active since 25-08-2019Normal situation
- Activity
- Wallpapering and laying of floor and wall coverings in other materialsNACE 43333and 4 others
- Establishment unit
- 2.292.523.1401030 Schaerbeek, since 25-08-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 02-09-2025
Annual accounts 2025
- €24,172▼ 55.3%
- Filing
- Filed on 17-07-2026, 14 days before the end of the filing period
Insights on OPUS ADB
OPUS ADB files the micro format. That format states no turnover. The gross margin fell from €117,007 in 2020 to €5,242 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about OPUS ADB
- What is the company number of OPUS ADB?
- The company number of OPUS ADB is 0732.843.215. The VAT number is the same number with BE in front: BE 0732.843.215.
- Where is OPUS ADB based?
- The registered office is at Vergotestraat 3-5, 1030 Schaerbeek.Company details
- What does OPUS ADB do?
- According to the KBO register, the main activity is wallpapering and laying of floor and wall coverings in other materials (NACE 43333).
- What is the legal form of OPUS ADB?
- OPUS ADB is a private limited company (BV).
- When was OPUS ADB founded?
- OPUS ADB was founded on 25-08-2019.
- Is OPUS ADB still active?
- Yes, OPUS ADB is an active enterprise in the KBO register.
- How many employees does OPUS ADB have?
- OPUS ADB had an average of 1 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
- What is the turnover of OPUS ADB?
- The turnover in financial year 2025 is ≈ €53,000. This figure is estimated from the gross margin of €5,242 and 159 comparable companies (NACE 433). It probably lies between €31,000 and €110,000. It is a rough estimate.
- Is OPUS ADB profitable?
- In financial year 2025, OPUS ADB made a loss of €1,554.
- Where can I find the annual accounts of OPUS ADB?
- OPUS ADB filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of OPUS ADB due?
- OPUS ADB must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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