OPM81 is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.15M and a net result of €186k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 87% of 6156 sector peers (fiscal year 2024). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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
not confirmed
2024
29 d late
2023
21 d late
2022
21 d late
2021
59 d late
2020
17 d late
2019
98 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€1.15M▼ 8.1%
2023 · €1.25M
2018: €606k
2019: €689k
2020: €778k
2021: €886k
2022: €1.10M
2023: €1.25M
2018 → 2024
Net result
€186k▲ 24.1%
2023 · €150k
2018: €81k
2019: €83k
2020: €89k
2021: €108k
2022: €211k
2023: €150k
2018 → 2024
Total assets
€1.25M▼ 13.0%
2023 · €1.44M
2018: €1.32M
2019: €1.25M
2020: €1.23M
2021: €1.26M
2022: €1.45M
2023: €1.44M
2018 → 2024
Solvency
91.6%▲ 4.9pp
2023 · 86.7%
2018: 45.8%
2019: 55.2%
2020: 63.3%
2021: 70.1%
2022: 75.9%
2023: 86.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€778k-€886k▲ 13.9%€1.10M▲ 23.8%€1.25M▲ 13.7%€1.15M▼ 8.1%
Operating result€145k-€167k▲ 14.8%€317k▲ 90.6%€229k▼ 28.0%€274k▲ 19.7%
Net result€89k-€108k▲ 20.8%€211k▲ 95.1%€150k▼ 28.7%€186k▲ 24.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 20% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.25M
Fixed assets
€1.25M▲ 3.1%
Current assets
€4k▼ 98.4%
Equity and liabilities €1.25M
Equity
€1.15M▼ 8.1%
Debt
€105k▼ 44.9%
The debt ratio falls from 13.3% to 8.4%. Equity and debt are lower.
Key figures and ratios
Solvency
91.6%▲
2023 · 86.7%
ROE
16.3%▲
2023 · 12.0%
ROA
14.9%▲
2023 · 10.4%
Debt
€105k▼
2023 · €191k
Debt ≤ 1 year
€103k▼
2023 · €189k
Income taxes
€80k▲
2023 · €65k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.44M€1.25M▼
Fixed assets21/28€1.21M€1.25M▲
Tangible fixed assets22/27€10k€48k▲
Plant, machinery and equipment23€10k€8k▼
Furniture and vehicles24€248€39k▲
Financial fixed assets28€1.20M€1.20M=
Current assets29/58€228k€4k▼
Amounts receivable within one year40/41€181k€1k▼
Other amounts receivable41€181k€1k▼
Cash at bank and in hand54/58€45k€2k▼
Deferred charges and accrued income490/1€2k€217▼
Equity and liabilities
Total equity and liabilities10/49€1.44M€1.25M▼
Equity10/15€1.25M€1.15M▼
Contributions10/11€12k€12k=
Reserves13€1.23M€1.13M▼
Distributable reserves133€1.23M€1.13M▼
Profit (loss) carried forward14-€0
Amounts payable17/49€191k€105k▼
Amounts payable within one year42/48€189k€103k▼
Financial debts43€25k€21k▼
Credit institutions430/8€25k€21k▼
Trade debts44€594€1k▲
Suppliers440/4€594€1k▲
Taxes, remuneration and social security45€26k€15k▼
Taxes450/3€26k€15k▼
Other amounts payable47/48€137k€66k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€9k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€232k€284k▲
Operating profit (loss)9901€229k€274k▲
Financial charges65/66B€14k€7k▼
Recurring financial charges65€14k€7k▼
Profit (loss) for the period before taxes9903€215k€267k▲
Income taxes67/77€65k€80k▲
Profit (loss) for the period9904€150k€186k▲
Profit (loss) for the period to be appropriated9905€150k€186k▲
Appropriation of the result
Profit (loss) to be appropriated9906€150k€186k▲
Transfer from equity791/2-€287k
Transfer to equity691/2€150k€186k▲
To other reserves6921€150k€186k▲
Profit to be distributed694/7-€287k
Return on contributions (dividend)694-€287k
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 21 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 21 days late
2022
31-12
Financial
Highest result since 2018net €211k ▲95.1%
Operating result €317k, net result €211k, both a record.
31-12
Financial
Equity above €1MEq €1.10M ▲23.8%
5 profitable years in a row build equity to €1.10M.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 59 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 17 days late
2020
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 98 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
26-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 26 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Beringen · 1 establishment unit since 2007
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.
Tessenderlosesteenweg 813583 BeringenGround area
1,429 m²
Building footprint
671 m²
Volume, LiDAR
918 m³
Parcel 71382D0639/00E002, Flanders · tallest building 5.7 m. Linked by address, not a title deed.
1 establishment unit
OOMS-POELMANS MANAGEMENT
since 20072.164.232.029
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71382D0639/00E002 | Flanders | 1,429 m² | 1 · 671 m² | 5.7 m |
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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 12,362 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2007
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
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.