OPUZ LIVING
ActiveSummary
OPUZ LIVING has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.79M and a net result of €-57k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 47% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▲+3
Solvency75▼-2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €250k at 30 days acceptable
Liquidity ample (current ratio 1.74 against 1.05 in 2024; short-term debt: 7.5% and cash: 0% of total assets), but 50.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 · 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
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
49.7%
Return on assets
-0.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-12-2025 was due by 30-07-2026 and was filed on 08-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
12 d early
2023
14 d early
2022
13 d early
2021
29 d early
2020
17 d early
2019
20 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 30-12-2026 and is due by 30-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-12-2026 close30-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.79M▼ 1.5%
2024 · €3.84M
2018: €4.07M
2019: €4.07M
2020: €4.11M
2021: €3.92M
2022: €3.92M
2023: €3.92M
2024: €3.84M
2018 → 2025
Total assets
€7.62M▲ 4.1%
2024 · €7.32M
2018: €6.53M
2019: €6.44M
2020: €6.47M
2021: €7.62M
2022: €7.50M
2023: €7.38M
2024: €7.32M
2018 → 2025
Net result
€-57k▲ 27.1%
2024 · €-78k
2018: €1k
2019: €2k
2020: €45k
2021: €35k
2022: €3k
2023: €2k
2024: €-78k
2018 → 2025
Working capital
€422k▲ 1,330%
2024 · €29k
2018: €1.80M
2019: €1.70M
2020: €1.93M
2021: €-52k
2022: €-182k
2023: €-187k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.92M-€3.92M▲ 0.1%€3.92M=€3.84M▼ 2.0%€3.79M▼ 1.5%
Operating result€48k-€32k▼ 32.9%€47k▲ 44.0%€-31k€-12k▲ 61.9%
Net result€35k-€3k▼ 91.8%€2k▼ 41.1%€-78k€-57k▲ 27.1%
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 stays negative: a loss of €12k in 2025 against €31k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.62M
Fixed assets
€6.62M ▼ 1.5%
Current assets
€995k ▲ 66.3%
Equity and liabilities €7.62M
Equity
€3.79M ▼ 1.5%
Debt
€3.83M ▲ 10.2%
Debt's share of the balance-sheet total rises from 47.5% to 50.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€92k▲
2024 · €73k
Cash flow
€47k▲
2024 · €25k
Current ratio
1.74▲
2024 · 1.05
Quick ratio
1.18▲
2024 · 0.49
Debt to equity
1.01▲
2024 · 0.91
ROE
-1.5%▲
2024 · -2.0%
ROA
-0.8%▲
2024 · -1.1%
Interest coverage
1.89▲
2024 · 1.63
Debt ≤ 1 year
€573k▲
2024 · €569k
Debt > 1 year
€3.24M▲
2024 · €2.88M
Income taxes
€3k▼
2024 · €4k
Staff costs
€6k▼
2024 · €20k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€7.32M€7.62M▲
Fixed assets21/28€6.72M€6.62M▼
Intangible fixed assets21€150k€116k▼
Tangible fixed assets22/27€2.07M€2.01M▼
Land and buildings22€2.07M€2.01M▼
Furniture and vehicles24€678€321▼
Financial fixed assets28€4.50M€4.50M=
Current assets29/58€598k€995k▲
Amounts receivable after more than one year29€148k€148k=
Other amounts receivable291€148k€148k=
Stocks and contracts in progress3€321k€316k▼
Stocks30/36€321k€316k▼
Amounts receivable within one year40/41€125k€528k▲
Trade receivables40€4k€3k▼
Other amounts receivable41€122k€525k▲
Cash at bank and in hand54/58€501€97▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€7.32M€7.62M▲
Equity10/15€3.84M€3.79M▼
Contributions10/11€1.28M€1.28M=
Capital10€1.28M€1.28M=
Issued capital100€1.28M€1.28M=
Reserves13€2.56M€2.50M▼
Non-distributable reserves130/1€353k€353k=
Legal reserve130€353k€353k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€2.19M€2.13M▼
Amounts payable17/49€3.48M€3.83M▲
Amounts payable after more than one year17€2.88M€3.24M▲
Financial debts170/4€2.88M€3.24M▲
Amounts payable within one year42/48€569k€573k▲
Current portion of amounts payable after more than one year42€160k€133k▼
Financial debts43€61k€66k▲
Credit institutions430/8€61k€66k▲
Trade debts44€5k€9k▲
Suppliers440/4€5k€9k▲
Taxes, remuneration and social security45€533€533=
Taxes450/3€533€533=
Other amounts payable47/48€342k€365k▲
Accrued charges and deferred income492/3€25k€22k▼
Income statement
Code20242025
Remuneration, social security and pensions62€20k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€103k€104k▲
Other operating charges640/8€42k€40k▼
Gross operating margin9900€135k€138k▲
Operating profit (loss)9901€-31k€-12k▲
Financial income75/76B€615€6k▲
Recurring financial income75€615€6k▲
Financial charges65/66B€45k€49k▲
Recurring financial charges65€45k€49k▲
Profit (loss) for the period before taxes9903€-75k€-54k▲
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€-78k€-57k▲
Profit (loss) for the period to be appropriated9905€-78k€-57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-78k€-57k▲
Transfer from equity791/2€78k€57k▼
The notes to these accounts (10 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-12
Financial
Weakest financial yearnet €-78k ▼4769%
Net result drops to €-78k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-12
Financial
Highest result since 2018net €45k ▲2111%
Net result €45k, the highest in the series.
30-12
Financial
Liquidity times 9current ratio 77.26
Current ratio from 8.56 to 77.26; short-term debt falls from €225k to €25k.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
10-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Hasselt · 1 establishment unit since 1999
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.
Herkenrodesingel 153500 HasseltGround area
1.3 ha
Building footprint
2,364 m²
Volume, LiDAR
29,800 m³
Parcel 71327G0657/00N000, Flanders · tallest building 23.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Herkenrodesingel 15, 3500 Hasselt
since 19992.091.925.358
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71327G0657/00N000 | Flanders | 1.3 ha | 1 · 2,364 m² | 23.4 m · 5 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500GOD59G9C364230
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 13,606 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 formPublic limited company
Founded12-04-1999
Fiscal year end30-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.