Opportunity Construct
ActiveSummary
The computed 12-month bankruptcy probability of Opportunity Construct is 3.0% (moderate). The 2025 annual accounts show equity of €31k and a net result of €-5k. Equity is shrinking by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 22% of 27786 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
29
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▲+3
Solvency45▼-6
Growth32=
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.3 against 1.37 in 2024; short-term debt: 76.9% and cash: 1.9% of total assets), and 80.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19.8%
Return on assets
-2.9%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
232425
2023 to 2025 · latest year €-5k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 27786 sector peers (2025).
NBB · sector comparisonPosition among 27786 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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 · 3 filingsDeviation from the deadline
2025
2 d late
2024
21 d late
2023
2 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▼ 13.0%
2024 · €36k
2023: €43k
2024: €36k
2023 → 2025
Total assets
€157k▲ 12.7%
2024 · €139k
2023: €164k
2024: €139k
2023 → 2025
Net result
€-5k▲ 37.1%
2024 · €-7k
2023: €13k
2024: €-7k
2023 → 2025
Working capital
€36k▼ 3.5%
2024 · €38k
2023: €44k
2024: €38k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€43k-€36k▼ 17.1%€31k▼ 13.0%
Operating result€18k-€-7k€-2k▲ 72.4%
Net result€13k-€-7k€-5k▲ 37.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €7k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €157k
Fixed assets
€10 ▼ 96.6%
Current assets
€157k ▲ 12.9%
Equity and liabilities €157k
Equity
€31k ▼ 13.0%
Debt
€126k ▲ 21.5%
Debt's share of the balance-sheet total rises from 74.4% to 80.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-2k▲
2024 · €-6k
Cash flow
€-4k▲
2024 · €-7k
Current ratio
1.30▼
2024 · 1.37
Quick ratio
0.03▼
2024 · 0.05
Debt to equity
4.06▲
2024 · 2.91
ROE
-14.9%▲
2024 · -20.6%
ROA
-2.9%▲
2024 · -5.3%
Interest coverage
-0.57▲
2024 · -10.57
Debt ≤ 1 year
€121k▲
2024 · €101k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€139k€157k▲
Fixed assets21/28€285€10▼
Tangible fixed assets22/27€285€10▼
Furniture and vehicles24€285€10▼
Current assets29/58€139k€157k▲
Stocks and contracts in progress3€134k€154k▲
Stocks30/36€134k€154k▲
Amounts receivable within one year40/41€648€73▼
Other amounts receivable41€648€73▼
Cash at bank and in hand54/58€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€139k€157k▲
Equity10/15€36k€31k▼
Contributions10/11€30k€30k=
Reserves13€6k€1k▼
Distributable reserves133€6k€1k▼
Amounts payable17/49€104k€126k▲
Amounts payable within one year42/48€101k€121k▲
Trade debts44-€19k
Suppliers440/4-€19k
Taxes, remuneration and social security45€0€275▲
Taxes450/3€0€275▲
Other amounts payable47/48€101k€101k=
Accrued charges and deferred income492/3€2k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€275€275=
Other operating charges640/8€2k€634▼
Gross operating margin9900€-5k€-955▲
Operating profit (loss)9901€-7k€-2k▲
Financial charges65/66B€613€3k▲
Recurring financial charges65€613€3k▲
Profit (loss) for the period before taxes9903€-7k€-5k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-7k€-5k▲
Profit (loss) for the period to be appropriated9905€-7k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-5k▲
Transfer from equity791/2€7k€5k▼
Transfer to equity691/2€0-
To other reserves6921€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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
21-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
30-06
Financial
Weakest financial yearnet €-7k ▼157%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
02-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
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, Evergem · 1 establishment unit since 2022
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.
Moleneinde 179940 EvergemGround area
1,732 m²
Building footprint
114 m²
Volume, LiDAR
546 m³
Parcel 44019C0421/00M000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Opportunity Construct
since 20222.333.265.219
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44019C0421/00M000 | Flanders | 1,732 m² | 1 · 114 m² | 7.2 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.
Similar companies · same sector, comparable size
RENOTRANS
BE 0896.706.404
Ganshoren · Eq €31,020
Nettoyage - Entretien - Désinfection
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Elsene · Eq €30,998
Capture Horizon
BE 0704.741.721
Oostende · Eq €30,979
art's construct
BE 0776.693.450
Sint-Pieters-Leeuw · Eq €31,106
TMA CONSTRUCT
BE 0635.970.701
Sint-Lambrechts-Woluwe · Eq €30,925
Of 7,293 companies in sector 43350 we hold annual accounts for 2,363. 1,924 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 formPrivate limited company
Founded27-06-2022
Fiscal year end30-06
Activities, NACEBEL 2025
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.