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OP Services

Active
Private limited company·Cafés en bars· 10 yrs active
KBO/BCE: BE 0646.956.643
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Age10 yrs
Board1
Real estate2 parcels · 1,244 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of OP Services is 4.1% (elevated). The 2023 annual accounts show negative equity (€-7k) and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 4791 sector peers (fiscal year 2023). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
4.1% Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 4791 sector peers (2023).
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Annual accounts not filed
The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 380 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 12-11-2024, 104 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 8 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 nothing on record not filed -
31-12-2023 31-07-2024 12-11-2024 104 d late 2024-00533387
31-12-2022 31-07-2023 29-08-2023 29 d late 2023-00397122
31-12-2021 31-07-2022 26-08-2022 26 d late 2022-20355387
31-12-2020 31-07-2021 08-10-2021 69 d late 2021-71600468
31-12-2019 31-07-2020 15-12-2020 137 d late 2020-76200543
31-12-2018 31-07-2019 10-07-2019 21 d early 2019-31400197
31-12-2017 31-07-2018 10-07-2019 344 d late 2019-31400196
31-12-2016 31-07-2017 04-07-2017 27 d early 2017-28100212

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Established
Founded in 2016, 10 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€3k
Working capital€-9k+9.3%

Annual accounts & ratios

Source: NBB · 2023
Annual accounts filed on 12-11-2024 with the NBB · fiscal year 2023 · micro
€-30k€-20k€-10k€0Operating result 2019: €-19k€-19kNet result 2019: €-19k€-19kOperating result 2020: €-2k€-2kNet result 2020: €-21k€-21kOperating result 2021: €2k€2kNet result 2021: €1k€1kOperating result 2022: €-8k€-8kNet result 2022: €-9k€-9kOperating result 2023: €4k€4kNet result 2023: €3k€3k20192020202120222023
Operating resultNet result
Sector comparison
Fiscal year 2023 · NACE 56, Food & beverage service · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -224.3% 16.7%
better than 6% of 4791 sector peers
Net result €3k €2k
better than 54% of 4780 sector peers
Equity €-7k €11k
better than 26% of 4805 sector peers
Gross operating margin €4k €42k
better than 21% of 4763 sector peers
Total assets €3k €82k
better than 5% of 4791 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P6
2020: P5 · n=12902021: P11 · n=20872022: P5 · n=35442023: P6 · n=47912020 2023
Stable position over 2020-2023 · n=1290-4791
Net result P54
2020: P41 · n=12822021: P44 · n=20822022: P30 · n=35262023: P54 · n=47802020 2023
Stable position over 2020-2023 · n=1282-4780
Equity P26
2020: P33 · n=12942021: P29 · n=20942022: P22 · n=35502023: P26 · n=48052020 2023
Stable position over 2020-2023 · n=1294-4805
Gross operating margin P21
2020: P15 · n=12772021: P22 · n=20702022: P9 · n=35122023: P21 · n=47632020 2023
Stable position over 2020-2023 · n=1277-4763
Describes the position versus peers, not a forecast.
EBITDA
€4k
- 18-23
Net profit
€3k
- 18-23
Cash flow
€4k
- 18-23
Total assets
€3k
+1745.9% 18-23
Equity
€-7k
+32.7% 18-23
Working capital
€-9k
+9.3% 18-23
Income taxes
€164
+25.0% 18-23
Debt
€10k
-4.2% 18-23
Debt ≤ 1y
€10k
-4.2% 18-23
Current ratio
0.07
+325.0% 18-23
Quick ratio
0.07
+325.0% 18-23
Solvency
-224.3%
+96.4% 18-23
Debt / equity
-1.45
-42.3% 18-23
ROE
-48.6%
- 18-23
ROA
109.0%
- 18-23
Interest coverage
12.48
- 18-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue-
EBITDA€4k
Net profit€3k
Cash flow€4k
Staff costs-
Income taxes€164
Dividends-
Total assets€3k
Equity€-7k
Debt€10k
of which ≤ 1y€10k
of which > 1y-
Working capital€-9k
Employees (FTE)-
Ratios (computed)
2023
Current ratio0.07
Quick ratio0.07
Working capital ratio-302.3%
Solvency-224.3%
Debt / equity-1.45
Long-term debt ratio-
Interest coverage12.48
Gross margin-
Net margin-
ROA109.0%
ROE-48.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€3k
Fixed assets 21/28€2k
Tangible fixed assets 22/27€2k
Current assets 29/58€670
Cash & bank 54/58€670
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€3k
Equity 10/15€-7k
Contributions / capital 10/11€19k
Reserves 13€30
Accumulated profits (losses) 14€-25k
Amounts payable 17/49€10k
Amounts payable within one year 42/48€10k
Trade debts payable within one year 44€3k
Income statement
Gross operating margin 9900€4k
Operating result 9901€4k
Financial charges 65€326
Result before taxes 9903€3k
Income taxes 67/77€164
Net result for the period 9904€3k
Result to be appropriated 9905€3k
You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2023 · computed
16 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.

Directors

Directors & mandates

3 directors
Current directors & mandates
  • BOUSHABA JALLAL
    Director
    State Gazette act 25093591 (23-07-2025)
    Current
    15-01-2025 → present
Former directors (2)
  • MIRI Ahmed
    Director
    State Gazette act 24042933 (11-03-2024)
    Former
    15-02-2024 → 15-01-2025
    2 events
    • 15-01-2025 Resigned· Director
    • 15-02-2024 Appointed· Director
  • EL YASNARI Hamza
    Director
    State Gazette act 24042933 (11-03-2024)
    Former
    - → 15-02-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Cafés en bars(56301)
Legal form Private limited company(610)
Incorporation25-01-2016
StatusActive
Postal code-

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Establishment units

1 location
Violetstraat 31, 1000 Brussel
Boren en aanleggen van waterputten, graven van mijnschachten
since 20162.251.767.502
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,244 m²
Buildings2
Building footprint356 m²
Volume (LiDAR)3,164 m³
Tallest building20.6 m · ±6 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21004A1260/00S000 Brussels 954 m² 1 · 63 m² 20.6 m · 6 fl.
21342B0043/00F003 Brussels 290 m² 1 · 293 m² 10.6 m · 2 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

2 acts
Capital history · 2
23-07-2025
Capital change
11-03-2024
Capital change
All acts · 2 updated 1 year ago
2025
23-07-2025 All shares are now held by a single shareholder Capital & shares
2024
11-03-2024 All shares are now held by a single shareholder Capital & shares

Analysis

Snowflake analysis

financial profile on 5 axes
Health16Profitability0Solvency33Growth58Stability100
41 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 16
Profitability 0
Solvency 33
Growth 58
Stability 100

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,389 of the 13,887 companies in this sector. 27 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Cafés en bars56301Cafés en bars56301
Primary activity highlighted.
Names & trade names
Legal nameFR OP Services
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.