OP DE BEECK
ActiveOP DE BEECK has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €122k and a net result of €13k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 61% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-3
Solvency71▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.69 against 1.68 in 2024; short-term debt: 46.6% and cash: 39.5% of total assets), but 53.6% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
46.4%
Return on assets
4.8%
Age of the figures
9 mo
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
38 d early
2023
71 d early
2022
56 d early
2021
52 d early
2020
31 d early
2019
2 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€122k▲ 3.9%
2024 · €117k
2018: €59k
2019: €74k
2020: €98k
2021: €102k
2022: €89k
2023: €108k
2024: €117k
2018 → 2025
Total assets
€262k▲ 5.2%
2024 · €249k
2018: €272k
2019: €271k
2020: €335k
2021: €306k
2022: €268k
2023: €264k
2024: €249k
2018 → 2025
Net result
€13k▼ 31.1%
2024 · €18k
2018: €24k
2019: €15k
2020: €24k
2021: €4k
2022: €-13k
2023: €26k
2024: €18k
2018 → 2025
Working capital
€85k▼ 5.2%
2024 · €89k
2018: €30k
2019: €50k
2020: €62k
2021: €58k
2022: €48k
2023: €66k
2024: €89k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€89k▼ 12.5%€108k▲ 21.3%€117k▲ 8.5%€122k▲ 3.9%
Operating result€12k-€-9k€39k€31k▼ 20.3%€23k▼ 27.4%
Net result€4k-€-13k€26k€18k▼ 29.3%€13k▼ 31.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €262k
Fixed assets
€55k▲ 97.5%
Current assets
€207k▼ 6.5%
Equity and liabilities €262k
Equity
€122k▲ 3.9%
Debt
€141k▲ 6.4%
The debt ratio rises from 53.0% to 53.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▼
2024 · €58k
Cash flow
€27k▼
2024 · €45k
Solvency
46.4%▼
2024 · 47.0%
Current ratio
1.69▲
2024 · 1.68
Quick ratio
1.61▲
2024 · 1.61
Debt / equity
1.15▲
2024 · 1.13
ROE
10.3%▼
2024 · 15.5%
ROA
4.8%▼
2024 · 7.3%
Interest coverage
9.34▼
2024 · 28.54
Debt
€141k▲
2024 · €132k
Debt ≤ 1 year
€122k▼
2024 · €132k
Debt > 1 year
€18k
Income taxes
€7k▼
2024 · €11k
Staff costs
€103k▲
2024 · €94k
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€249k€262k▲
Fixed assets21/28€28k€55k▲
Tangible fixed assets22/27€25k€52k▲
Plant, machinery and equipment23€5k€6k▲
Furniture and vehicles24€9k€37k▲
Other tangible fixed assets26€11k€9k▼
Financial fixed assets28€3k€3k▼
Current assets29/58€221k€207k▼
Stocks and contracts in progress3€9k€10k▲
Stocks30/36€9k€10k▲
Amounts receivable within one year40/41€107k€92k▼
Trade receivables40€101k€89k▼
Other amounts receivable41€5k€3k▼
Cash at bank and in hand54/58€100k€104k▲
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€249k€262k▲
Equity10/15€117k€122k▲
Contributions10/11€20k€20k=
Reserves13€48k€52k▲
Distributable reserves133€48k€52k▲
Profit (loss) carried forward14€49k€49k▲
Amounts payable17/49€132k€141k▲
Amounts payable after more than one year17-€18k
Financial debts170/4-€18k
Amounts payable within one year42/48€132k€122k▼
Current portion of amounts payable after more than one year42€7k€15k▲
Trade debts44€43k€48k▲
Suppliers440/4€43k€48k▲
Taxes, remuneration and social security45€18k€20k▲
Taxes450/3€4k€4k▲
Remuneration and social security454/9€14k€16k▲
Other amounts payable47/48€64k€39k▼
Accrued charges and deferred income492/3€62€359▲
Income statement
Code20242025
Non-recurring operating income76A€2k€4k▲
Remuneration, social security and pensions62€94k€103k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€14k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€4k
Other operating charges640/8€6k€4k▼
Non-recurring operating charges66A€2k€352▼
Gross operating margin9900€161k€148k▼
Operating profit (loss)9901€31k€23k▼
Financial income75/76B€241€1k▲
Recurring financial income75€241€1k▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€29k€20k▼
Income taxes67/77€11k€7k▼
Profit (loss) for the period9904€18k€13k▼
Profit (loss) for the period to be appropriated9905€18k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€76k€61k▼
Profit (loss) brought forward from the previous period14P€58k€49k▼
Transfer to equity691/2€18k€4k▼
To other reserves6921€18k€4k▼
Profit to be distributed694/7€9k€8k▼
Return on contributions (dividend)694€8k€8k=
Directors or managers695€1k-
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
31-12
Financial
Equity above €100kEq €108k ▲21.3%
Equity rises from €89k to €108k.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-13k ▼429%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €102k ▲3.9%
4 profitable years in a row build equity to €102k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Mons · 1 establishment unit since 2008
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.
Rue des Archers 457000 MonsGround area
251 m²
Building footprint
248 m²
Volume, LiDAR
1,485 m³
Parcel 53405C0001/00N026, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FRUITOP
since 20082.172.730.219
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53405C0001/00N026 | Wallonia | 251 m² | 1 · 248 m² | 7.7 m · 2 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
Food safety, FASFC
1 siteMons2.172.730.219
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Of 3,827 companies in sector 47210 we hold annual accounts for 966. 767 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-04-2008
Fiscal year end31-12
Activities, NACEBEL
46319Wholesale of fruit and vegetables, excluding potatoes
47210Retail sale of fruit and vegetables
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.