ROB OPALFVENS
ActiveROB OPALFVENS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €326k and a net result of €107k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 788 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+13
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 4.08 against 2.62 in 2024; short-term debt: 24.5% and cash: 77.5% of total assets), and 24.5% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
75.5%
Return on assets
24.9%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
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 07-06-2026, 54 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
54 d early
2024
52 d early
2023
52 d early
2022
55 d early
2021
30 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€326k=
2024 · €326k
2021: €140k
2022: €238k
2023: €326k
2024: €326k
2021 → 2025
Total assets
€432k▼ 18.1%
2024 · €528k
2021: €205k
2022: €350k
2023: €421k
2024: €528k
2021 → 2025
Net result
€107k▼ 33.0%
2024 · €160k
2021: €138k
2022: €98k
2023: €96k
2024: €160k
2021 → 2025
Working capital
€326k▲ 0.1%
2024 · €326k
2021: €140k
2022: €238k
2023: €325k
2024: €326k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€140k-€238k▲ 69.6%€326k▲ 37.0%€326k▲ 0.1%€326k=
Operating result€196k-€137k▼ 30.3%€130k▼ 4.8%€197k▲ 51.6%€129k▼ 34.8%
Net result€138k-€98k▼ 29.1%€96k▼ 2.2%€160k▲ 67.9%€107k▼ 33.0%
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 35% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €432k
Fixed assets
€548▼ 31.0%
Current assets
€432k▼ 18.1%
Equity and liabilities €432k
Equity
€326k=
Debt
€106k▼ 47.5%
The debt ratio falls from 38.2% to 24.5%. Debt is lower.
Key figures and ratios
EBITDA
€129k▼
2024 · €198k
Cash flow
€108k▼
2024 · €161k
Solvency
75.5%▲
2024 · 61.8%
Current ratio
4.08▲
2024 · 2.62
Quick ratio
4.08▲
2024 · 2.62
Debt / equity
0.32▼
2024 · 0.62
ROE
32.9%▼
2024 · 49.1%
ROA
24.9%▼
2024 · 30.4%
Interest coverage
472.14▼
2024 · 1687.11
Debt
€106k▼
2024 · €201k
Debt ≤ 1 year
€106k▼
2024 · €201k
Income taxes
€29k▼
2024 · €47k
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€528k€432k▼
Fixed assets21/28€795€548▼
Tangible fixed assets22/27€795€548▼
Furniture and vehicles24€795€548▼
Current assets29/58€527k€432k▼
Amounts receivable within one year40/41€23k€37k▲
Trade receivables40€17k€31k▲
Other amounts receivable41€6k€6k=
Current investments50/53€200k€60k▼
Cash at bank and in hand54/58€304k€335k▲
Deferred charges and accrued income490/1€99€134▲
Equity and liabilities
Total equity and liabilities10/49€528k€432k▼
Equity10/15€326k€326k=
Contributions10/11€3k€3k=
Reserves13€324k€324k=
Distributable reserves133€324k€324k=
Amounts payable17/49€201k€106k▼
Amounts payable within one year42/48€201k€106k▼
Trade debts44€1k€221▼
Suppliers440/4€1k€221▼
Taxes, remuneration and social security45€40k€13k▼
Taxes450/3€40k€13k▼
Other amounts payable47/48€160k€93k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€247€247=
Other operating charges640/8€387€400▲
Gross operating margin9900€198k€129k▼
Operating profit (loss)9901€197k€129k▼
Financial income75/76B€10k€8k▼
Recurring financial income75€10k€8k▼
Financial charges65/66B€117€273▲
Recurring financial charges65€117€273▲
Profit (loss) for the period before taxes9903€207k€137k▼
Income taxes67/77€47k€29k▼
Profit (loss) for the period9904€160k€107k▼
Profit (loss) for the period to be appropriated9905€160k€107k▼
Appropriation of the result
Profit (loss) to be appropriated9906€160k€107k▼
Transfer to equity691/2€331-
To other reserves6921€331-
Profit to be distributed694/7€160k€107k▼
Return on contributions (dividend)694€160k€107k▼
The notes to these accounts (4 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
07-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €160k ▲67.9%
Operating result €197k, net result €160k, both a record.
09-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €96k ▼2.2%
Net result drops to €96k, the lowest in the series; recovery starts the following year.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €238k ▲69.6%
2 profitable years in a row build equity to €238k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Brussel · 1 establishment unit since 2020
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.
Mussenstraat 141000 BrusselGround area
1,562 m²
Building footprint
1,199 m²
Volume, LiDAR
13,312 m³
2 parcels, Brussels · tallest building 24.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
P- Agency
since 20202.300.475.556
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21809K1965/00A002 | Brussels | 1,412 m² | 1 · 1,082 m² | 24.7 m · 3 fl. |
| 21004A0175/00C000 | Brussels | 151 m² | 1 · 117 m² | 17.2 m · 4 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
254900R0ZMNMOLMORL68
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Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 975 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-2020
Fiscal year end31-12
Activities, NACEBEL
78100Employment placement agencies
78200Temporary employment agencies and other provision of personnel
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.