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OPANDA

Active
Private limited company·Vervaardiging van verkoopautomaten· 3 yrs active
Rue de Martinsart 52 ·6470 Sivry-Rance, Belgium
KBO/BCE: BE 0803.664.301
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Age3 yrs
Real estate1 parcel · 8,570 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of OPANDA is 2.5% (moderate). The 2024 annual accounts show equity of €7k and a net result of €-3k. Its solvency ranks better than 95% of 123 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 95% of 123 peers (2024). A comfortable equity buffer.
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
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 28-08-2025 28 d late 2025-00423325

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
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
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 administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.5% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker financial profile +Higher-failure-rate region +

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

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-3k
Working capitalNot included in this filing

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 28-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 28 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 100.0% 45.1%
better than 95% of 123 sector peers
Net result €-3k €8k
better than 24% of 123 sector peers
Equity €7k €50k
better than 16% of 123 sector peers
Gross operating margin €-2k €38k
better than 15% of 123 sector peers
Total assets €7k €134k
better than 5% of 123 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA-
Net profit€-3k
Cash flow-
Staff costs-
Income taxes€25
Dividends-
Total assets€7k
Equity€7k
Debt-
of which ≤ 1y-
of which > 1y-
Working capital-
Employees (FTE)-
Ratios (computed)
2024
Current ratio-
Quick ratio-
Working capital ratio-
Solvency100.0%
Debt / equity-
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-42.4%
ROE-42.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€7k
Current assets 29/58€7k
Amounts receivable within one year 40/41€1k
Cash & bank 54/58€6k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€7k
Equity 10/15€7k
Contributions / capital 10/11€10k
Accumulated profits (losses) 14€-3k
Income statement
Gross operating margin 9900€-2k
Operating result 9901€-3k
Financial income 75€75
Financial charges 65€63
Result before taxes 9903€-3k
Income taxes 67/77€25
Net result for the period 9904€-3k
Result to be appropriated 9905€-3k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
No health score: the filing is too brief
The accounts filed for FY 2024 supply 2 of the 6 factors this model weighs. Below 3 we publish no score, because it would mostly describe the model rather than this company.
This is not a judgement about the company. Micro and abbreviated schemas may omit turnover (rubriek 70), which makes the EBITDA margin and often the interest coverage impossible to compute.

Structure & network

Locations & real estate

Establishment units

1 location
Opanda
Rue de Martinsart 52, 6470 Sivry-RanceOverige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
since 20232.347.884.307
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area8,570 m²

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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56072B0219/00F000 Wallonia 8,570 m² - -
Methodology
via registered seat: 1
1 of 1 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

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability0Solvency100Growth-Stability79
60 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 0
Solvency 100
Growth -
Stability 79

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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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

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Vervaardiging van verkoopautomaten28294Vervaardiging van verkoopautomaten28294Groothandel in machines voor de productie van voedings- en genotmiddelen46641Groothandel in machines voor de productie van voedings- en genotmiddelen46691Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Beroepsorganisaties94120Activiteiten van beroepsorganisaties94120
Primary activity highlighted.
Names & trade names
Legal nameFR OPANDA
Registered office
Rue de Martinsart 52
6470 Sivry-Rance, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.