OPHELIMA
ActiveSummary
OPHELIMA has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13.02M and a net result of €435k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 75% of 1004 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-19
Solvency92▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €850k at 30 days acceptable
Liquidity short (current ratio 0.37 against 0.4 in 2024; short-term debt: 5.7% and cash: 0.1% of total assets), and 33.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 69
Relative position
BE, all sectors
reference
Sector 69
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
66.6%
Return on assets
2.2%
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 31-08-2026, 31 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
31 d late
2024
31 d late
2023
31 d late
2022
30 d late
2021
31 d late
2020
20 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€435k▼ 15.5%
2024 · €515k
2019: €3k
2019: €2k
2020: €233k
2021: €108k
2022: €515k
2023: €539k
2024: €515k
2019 → 2025
Working capital
€-695k▼ 75.1%
2024 · €-397k
2019: €-397k
2019: €48k
2020: €-416k
2021: €-653k
2022: €-736k
2023: €-847k
2024: €-397k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8.15M-€8.42M▲ 3.4%€12.10M▲ 43.7%€12.59M▲ 4.0%€13.02M▲ 3.5%
Operating result€47k-€88k▲ 85.9%€243k▲ 177%€1k▼ 99.5%€-33k
Net result€108k-€515k▲ 377%€539k▲ 4.6%€515k▼ 4.4%€435k▼ 15.5%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €33k after €1k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19.54M
Fixed assets
€19.13M ▲ 17.3%
Current assets
€414k ▲ 58.2%
Equity and liabilities €19.54M
Equity
€13.02M ▲ 3.5%
Provisions
€233k ▼ 11.4%
Debt
€6.29M ▲ 68.8%
Debt's share of the balance-sheet total rises from 22.5% to 32.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€186k▼
2024 · €229k
Cash flow
€654k▼
2024 · €743k
Current ratio
0.37▼
2024 · 0.40
Debt to equity
0.48▲
2024 · 0.30
ROE
3.3%▼
2024 · 4.1%
ROA
2.2%▼
2024 · 3.1%
Interest coverage
1.81▼
2024 · 4.05
Debt ≤ 1 year
€1.11M▲
2024 · €659k
Debt > 1 year
€5.18M▲
2024 · €2.96M
Income taxes
€74▼
2024 · €7k
Staff costs
€101k▼
2024 · €122k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 65 lines
Balance sheet
Code20242025
Assets
Total assets20/58€16.57M€19.54M▲
Fixed assets21/28€16.31M€19.13M▲
Tangible fixed assets22/27€3.09M€3.22M▲
Land and buildings22€2.13M€2.09M▼
Plant, machinery and equipment23€953k€1.13M▲
Furniture and vehicles24€361-
Financial fixed assets28€13.22M€15.90M▲
Current assets29/58€262k€414k▲
Amounts receivable after more than one year29€7k€6k▼
Other amounts receivable291€7k€6k▼
Amounts receivable within one year40/41€253k€381k▲
Trade receivables40€253k€278k▲
Other amounts receivable41€505€103k▲
Cash at bank and in hand54/58€111€25k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€16.57M€19.54M▲
Equity10/15€12.59M€13.02M▲
Contributions10/11€2.00M€2.00M=
Capital10€2.00M€2.00M=
Issued capital100€2.00M€2.00M=
Revaluation surpluses12€9.06M€9.06M=
Reserves13€795k€716k▼
Non-distributable reserves130/1€200k€200k=
Legal reserve130€200k€200k=
Tax-exempt reserves132€595k€516k▼
Profit (loss) carried forward14€727k€1.24M▲
Provisions and deferred taxes16€263k€233k▼
Provisions for liabilities and charges160/5€12k€12k=
Other liabilities and charges164/5€12k€12k=
Deferred taxes168€251k€221k▼
Amounts payable17/49€3.72M€6.29M▲
Amounts payable after more than one year17€2.96M€5.18M▲
Financial debts170/4€2.94M€5.16M▲
Other amounts payable178/9€18k€18k=
Amounts payable within one year42/48€659k€1.11M▲
Current portion of amounts payable after more than one year42€552k€617k▲
Financial debts43€16k€436k▲
Credit institutions430/8€16k€436k▲
Trade debts44€28k€35k▲
Suppliers440/4€28k€35k▲
Taxes, remuneration and social security45€33k€21k▼
Taxes450/3€17k€4k▼
Remuneration and social security454/9€16k€17k▲
Other amounts payable47/48€30k-
Accrued charges and deferred income492/3€109k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€122k€101k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€228k€219k▼
Other operating charges640/8€8k€9k▲
Gross operating margin9900€359k€296k▼
Operating profit (loss)9901€1k€-33k▼
Financial income75/76B€550k€540k▼
Recurring financial income75€550k€540k▼
Financial charges65/66B€57k€103k▲
Recurring financial charges65€57k€103k▲
Profit (loss) for the period before taxes9903€495k€405k▼
Transfer from deferred taxes780€26k€30k▲
Income taxes67/77€7k€74▼
Profit (loss) for the period9904€515k€435k▼
Transfer from tax-exempt reserves789€69k€79k▲
Profit (loss) for the period to be appropriated9905€584k€514k▼
Appropriation of the result
Profit (loss) to be appropriated9906€757k€1.24M▲
Profit (loss) brought forward from the previous period14P€173k€727k▲
Profit to be distributed694/7€30k-
Directors or managers695€30k-
Social balance
Average headcount (FTE)90874.03.0▼
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-12
Financial
Highest result since 2019net €539k ▲4.6%
Operating result €243k, net result €539k, both a record.
31-12
Financial
Equity above €10MEq €12.10M ▲43.7%
6 profitable years in a row build equity to €12.10M.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 20 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €2k ▼31.1%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
06-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2017
24-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
18 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, Sint-Pieters-Woluwe · 1 establishment unit since 1998
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.
Tervurenlaan 4021150 Sint-Pieters-WoluweGround area
7,613 m²
Building footprint
855 m²
Volume, LiDAR
5,970 m³
2 parcels, Brussels, Wallonia · tallest building 18.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OPHELIMA
since 19982.271.491.461
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21682C0142/00A004 | Brussels | 4,483 m² | 1 · 617 m² | 18.7 m · 3 fl. |
| 25023D0179/00E000 | Wallonia | 3,130 m² | 1 · 238 m² | - |
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.
Similar companies · same sector, comparable size
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UCM de la Province de Namur
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Valmaco
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Of 2,762 companies in sector 69109 we hold annual accounts for 1,208. 85 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded24-07-1998
Fiscal year end31-12
Activities, NACEBEL 2025
46474Wholesale trade
69109Other legal services
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.