Summary
OPUS MANAGEMENT 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 €560k and a net result of €233k. Equity is growing by ~77.5% per year across the filed fiscal years. Its solvency ranks better than 15% of 5527 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 5527 sector peers (2025).
NBB · sector comparisonPosition among 5527 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
30 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€560k▲ 71.4%
2024 · €327k
2023: €54k
2024: €327k
2023 → 2025
Net result
€233k▼ 14.6%
2024 · €273k
2023: €53k
2024: €273k
2023 → 2025
Total assets
€4.48M▲ 355%
2024 · €985k
2023: €306k
2024: €985k
2023 → 2025
Solvency
12.5%▼ 20.7pp
2024 · 33.2%
2023: 17.5%
2024: 33.2%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€54k-€327k▲ 509%€560k▲ 71.4%
Operating result€76k-€417k▲ 451%€369k▼ 11.5%
Net result€53k-€273k▲ 419%€233k▼ 14.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.48M
Fixed assets
€192k ▲ 37,506%
Current assets
€4.29M ▲ 336%
Equity and liabilities €4.48M
Equity
€560k ▲ 71.4%
Debt
€3.92M ▲ 496%
Debt's share of the balance-sheet total rises from 66.8% to 87.5%. Equity and debt are higher.
Key figures and ratios
ROE
41.6%▼
2024 · 83.6%
ROA
5.2%▼
2024 · 27.7%
Debt ≤ 1 year
€843k▲
2024 · €658k
Debt > 1 year
€3.08M
Income taxes
€102k▼
2024 · €126k
Staff costs
€46k▼
2024 · €49k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€985k€4.48M▲
Fixed assets21/28€511€192k▲
Tangible fixed assets22/27€511€192k▲
Furniture and vehicles24€511€27k▲
Other tangible fixed assets26-€165k
Current assets29/58€985k€4.29M▲
Stocks and contracts in progress3€35k€4.02M▲
Stocks30/36€35k€4.02M▲
Amounts receivable within one year40/41€927k€158k▼
Trade receivables40€620k€43k▼
Other amounts receivable41€307k€114k▼
Cash at bank and in hand54/58€21k€99k▲
Deferred charges and accrued income490/1€1k€17k▲
Equity and liabilities
Total equity and liabilities10/49€985k€4.48M▲
Equity10/15€327k€560k▲
Contributions10/11€1k€1k=
Reserves13€326k€559k▲
Distributable reserves133€326k€559k▲
Amounts payable17/49€658k€3.92M▲
Amounts payable after more than one year17-€3.08M
Financial debts170/4-€3.08M
Amounts payable within one year42/48€658k€843k▲
Current portion of amounts payable after more than one year42-€379k
Financial debts43€70k€0▼
Credit institutions430/8€70k€0▼
Trade debts44€498k€23k▼
Suppliers440/4€498k€23k▼
Taxes, remuneration and social security45€90k€104k▲
Taxes450/3€83k€95k▲
Remuneration and social security454/9€8k€9k▲
Other amounts payable47/48-€337k
Income statement
Code20242025
Remuneration, social security and pensions62€49k€46k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€132€4k▲
Other operating charges640/8€3k€9k▲
Gross operating margin9900€469k€428k▼
Operating profit (loss)9901€417k€369k▼
Financial income75/76B€11k€4k▼
Recurring financial income75€11k€4k▼
Financial charges65/66B€29k€38k▲
Recurring financial charges65€29k€38k▲
Profit (loss) for the period before taxes9903€399k€335k▼
Income taxes67/77€126k€102k▼
Profit (loss) for the period9904€273k€233k▼
Profit (loss) for the period to be appropriated9905€273k€233k▼
Appropriation of the result
Profit (loss) to be appropriated9906€273k€233k▼
Transfer to equity691/2€273k€233k▼
To other reserves6921€273k€233k▼
Social balance
Average headcount (FTE)90870.80.8=
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
07-01
State Gazette act
General meeting · Director resignation
Permanent representative
2025
31-12
Financial
Liquidity triplescurrent ratio 5.09
Current ratio from 1.50 to 5.09.
31-12
Financial
Equity above €500kEq €560k ▲71.4%
3 profitable years in a row build equity to €560k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Highest result since 2023net €273k ▲419%
Operating result €417k, net result €273k, both a record.
31-12
Financial
Equity above €200kEq €327k ▲509%
2 profitable years in a row build equity to €327k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-11
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Knokke-Heist · 1 establishment unit since 2023
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.
Magere Schorre 84A8300 Knokke-HeistGround area
1,326 m²
Building footprint
318 m²
2 parcels, Flanders. Linked by address, not a title deed.
1 establishment unit
OPUS MANAGEMENT
since 20232.350.084.227
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333H0588/00M000 | Flanders | 674 m² | 1 · 163 m² | - |
| 31333H0588/00L000 | Flanders | 652 m² | 1 · 155 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
3 locations
Similar companies · same sector, comparable size
NOMENTANA
BE 0884.980.587
Deinze · Eq €560,409
CRE8-IT
BE 0884.978.510
Koksijde · Eq €560,424
CHEFKOK
BE 0809.161.528
Veurne · Eq €560,264
KM HOLDING
BE 0773.727.923
Sint-Jans-Molenbeek · Eq €560,163
BM Metaal
BE 0556.923.619
Olen · Eq €560,686
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,550 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
Founded18-08-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68310Real estate agency activities
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.