OPUSTOOL
ActiveOPUSTOOL has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120k and a net result of €84k. Equity is growing by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 13% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-25
Solvency32▲+5
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.12 in 2024; short-term debt: 91.5% and cash: 67% of total assets), and 92.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 2025Solvency, return and age of the figures
Solvency
7.3%
Return on assets
5.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 8657 sector peers (2025).
NBB · sector comparisonPosition among 8657 sector peers
Solvency
better than 13%
← weakest
strongest →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
8 d early
2024
27 d early
2023
29 d late
2022
29 d late
2021
29 d late
2020
23 d late
2019
27 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€84k▼ 26.7%
2024 · €115k
2018: €48k
2019: €56k
2020: €42k
2021: €353k
2022: €72k
2023: €61k
2024: €115k
2018 → 2025
Working capital
€141k▼ 36.3%
2024 · €222k
2018: €208k
2019: €235k
2020: €237k
2021: €340k
2022: €355k
2023: €144k
2024: €222k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.53M-€1.60M▲ 4.7%€1.67M▲ 4.2%€36k▼ 97.8%€120k▲ 232%
Operating result€107k-€117k▲ 9.9%€99k▼ 15.9%€163k▲ 64.8%€97k▼ 40.5%
Net result€353k-€72k▼ 79.5%€61k▼ 15.2%€115k▲ 86.9%€84k▼ 26.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €1.65M
Equity
€120k▲ 232%
Debt
€1.53M▼ 26.7%
The debt ratio falls from 98.3% to 92.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
7.3%▲
2024 · 1.7%
Current ratio
1.09▼
2024 · 1.12
Quick ratio
1.09▼
2024 · 1.12
Debt / equity
12.72▼
2024 · 57.60
ROE
69.9%▼
2024 · 316.2%
ROA
5.1%▼
2024 · 5.4%
Debt
€1.53M▼
2024 · €2.09M
Debt ≤ 1 year
€1.51M▼
2024 · €1.82M
Income taxes
€29k▼
2024 · €34k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.12M€1.65M▼
Fixed assets21/28€80k-
Tangible fixed assets22/27€80k-
Furniture and vehicles24€80k-
Current assets29/58€2.04M€1.65M▼
Amounts receivable after more than one year29€1.40M€500k▼
Trade receivables290€444€390▼
Other amounts receivable291€1.40M€500k▼
Amounts receivable within one year40/41€554k€23k▼
Trade receivables40€3k-
Other amounts receivable41€551k€23k▼
Cash at bank and in hand54/58€82k€1.10M▲
Deferred charges and accrued income490/1€7k€22k▲
Equity and liabilities
Total equity and liabilities10/49€2.12M€1.65M▼
Equity10/15€36k€120k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€16k€100k▲
Amounts payable17/49€2.09M€1.53M▼
Amounts payable after more than one year17€250k-
Other amounts payable178/9€250k-
Amounts payable within one year42/48€1.82M€1.51M▼
Trade debts44€48k€763▼
Suppliers440/4€48k€763▼
Taxes, remuneration and social security45€8k-
Taxes450/3€8k-
Other amounts payable47/48€1.77M€1.51M▼
Accrued charges and deferred income492/3€16k€21k▲
Income statement
Code20242025
Non-recurring operating income76A-€120k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k-
Other operating charges640/8€968€998▲
Gross operating margin9900€194k€98k▼
Operating profit (loss)9901€163k€97k▼
Financial income75/76B€1.21M€22k▼
Recurring financial income75€1.20M€22k▼
Non-recurring financial income76B€6k-
Financial charges65/66B€1.23M€5k▼
Recurring financial charges65€16k€5k▼
Non-recurring financial charges66B€1.21M-
Profit (loss) for the period before taxes9903€148k€113k▼
Income taxes67/77€34k€29k▼
Profit (loss) for the period9904€115k€84k▼
Profit (loss) for the period to be appropriated9905€115k€84k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.77M€100k▼
Profit (loss) brought forward from the previous period14P€1.65M€16k▼
Profit to be distributed694/7€1.75M-
Return on contributions (dividend)694€1.75M-
The notes to these accounts (6 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
03-07
State Gazette act
Incorporation · Founder
Founding capital · Bank account
2025
31-12
Financial
Equity above €100kEq €120k ▲232%
8 profitable years in a row build equity to €120k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €353k ▲743%
Net result €353k, the highest in the series.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 23 days late
2020
31-12
Financial
Weakest financial yearnet €42k ▼25.4%
Net result drops to €42k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 27 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ukkel · 1 establishment unit since 2016
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.
Groene Jagerslaan 21180 UkkelGround area
299 m²
Building footprint
193 m²
Volume, LiDAR
1,459 m³
Parcel 21612C0235/00H002, Brussels · tallest building 13.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OPUSTOOL
since 20162.253.848.151
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0235/00H002 | Brussels | 299 m² | 1 · 193 m² | 13.3 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 40,846 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.