OPV CONSULT
ActiveOPV CONSULT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €190k and a net result of €12k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 48% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
78
/ 100
Excellent▼ -22 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▼-68
Solvency97▼-3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.05 against 3.95 in 2024), and 45.9% 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
54.1%
Return on assets
3.5%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
29 d late
2023
on the day
2022
22 d late
2021
30 d late
2020
39 d late
2019
56 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€190k▼ 29.5%
2024 · €270k
2018: €100k
2019: €123k
2020: €136k
2021: €163k
2022: €206k
2023: €239k
2024: €270k
2018 → 2025
Total assets
€352k▲ 0.5%
2024 · €350k
2018: €166k
2019: €190k
2020: €210k
2021: €261k
2022: €304k
2023: €313k
2024: €350k
2018 → 2025
Net result
€12k▼ 77.3%
2024 · €54k
2018: €9k
2019: €23k
2020: €23k
2021: €27k
2022: €43k
2023: €41k
2024: €54k
2018 → 2025
Working capital
€169k▼ 28.3%
2024 · €236k
2018: €83k
2019: €101k
2020: €115k
2021: €145k
2022: €196k
2023: €235k
2024: €236k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€163k-€206k▲ 26.1%€239k▲ 16.1%€270k▲ 13.1%€190k▼ 29.5%
Operating result€43k-€61k▲ 44.5%€61k▼ 0.4%€109k▲ 78.4%€70k▼ 36.0%
Net result€27k-€43k▲ 58.0%€41k▼ 4.3%€54k▲ 33.1%€12k▼ 77.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €352k
Fixed assets
€21k▼ 38.3%
Current assets
€331k▲ 4.7%
Equity and liabilities €352k
Equity
€190k▼ 29.5%
Debt
€162k▲ 102%
The debt ratio rises from 22.9% to 45.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€87k▼
2024 · €124k
Cash flow
€29k▼
2024 · €69k
Solvency
54.1%▼
2024 · 77.1%
Current ratio
2.05▼
2024 · 3.95
Quick ratio
2.05▼
2024 · 3.95
Debt / equity
0.85▲
2024 · 0.30
ROE
6.5%▼
2024 · 20.1%
ROA
3.5%▼
2024 · 15.5%
Interest coverage
1.55▼
2024 · 3.45
Debt
€162k▲
2024 · €80k
Debt ≤ 1 year
€162k▲
2024 · €80k
Income taxes
€3k▼
2024 · €20k
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€350k€352k▲
Fixed assets21/28€34k€21k▼
Tangible fixed assets22/27€34k€21k▼
Furniture and vehicles24€34k€21k▼
Current assets29/58€316k€331k▲
Amounts receivable within one year40/41€43k€11k▼
Trade receivables40€43k-
Other amounts receivable41-€11k
Current investments50/53€101k€101k=
Cash at bank and in hand54/58€169k€216k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€350k€352k▲
Equity10/15€270k€190k▼
Contributions10/11€6k€6k=
Reserves13€189k€109k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€187k€107k▼
Profit (loss) carried forward14€75k€75k=
Amounts payable17/49€80k€162k▲
Amounts payable within one year42/48€80k€162k▲
Trade debts44€32€374▲
Suppliers440/4€32€374▲
Taxes, remuneration and social security45€38k€18k▼
Taxes450/3€36k€16k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€42k€144k▲
Income statement
Code20242025
Non-recurring operating income76A€27k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€17k▲
Other operating charges640/8€3k€844▼
Gross operating margin9900€127k€88k▼
Operating profit (loss)9901€109k€70k▼
Financial income75/76B€325€798▲
Recurring financial income75€325€798▲
Financial charges65/66B€36k€56k▲
Recurring financial charges65€36k€56k▲
Profit (loss) for the period before taxes9903€74k€15k▼
Income taxes67/77€20k€3k▼
Profit (loss) for the period9904€54k€12k▼
Profit (loss) for the period to be appropriated9905€54k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€129k€87k▼
Profit (loss) brought forward from the previous period14P€75k€75k=
Transfer from equity791/2€23k€92k▲
Transfer to equity691/2€54k€12k▼
To other reserves6921€54k€12k▼
Profit to be distributed694/7€23k€92k▲
Return on contributions (dividend)694€23k€92k▲
The notes to these accounts (5 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €54k ▲33.1%
Operating result €109k, net result €54k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Equity above €200kEq €206k ▲26.1%
5 profitable years in a row build equity to €206k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Equity above €150kEq €163k ▲19.8%
4 profitable years in a row build equity to €163k.
08-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 39 days late
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
31-12
Financial
Equity above €100kEq €123k ▲23.1%
2 profitable years in a row build equity to €123k.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
13-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 44 days late
Financial milestoneNBB 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, Elsene · 1 establishment unit since 2012
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.
George Bergmannlaan 651050 ElseneGround area
1,540 m²
Building footprint
361 m²
Volume, LiDAR
6,743 m³
Parcel 21446D0030/00K012, Brussels · tallest building 22.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
OPV CONSULT
since 20122.209.701.273
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21446D0030/00K012 | Brussels | 1,540 m² | 1 · 361 m² | 22.5 m · 6 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
254900WKEKA2K5O17846
Similar companies · same sector, comparable size
KH SALES
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LANDEZ
BE 0786.217.068
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VENDOME CONSULT
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F-INVEST
BE 0677.701.683
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 40,193 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
62020IT consultancy
62200Computer consultancy and computer facilities management
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.