Opus 3 renovatieprojecten
ActiveSummary
Opus 3 renovatieprojecten has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €211k and a net result of €71k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 33% of 7777 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
65
/ 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
Profitability82▲+7
Solvency56▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.36 in 2024; short-term debt: 67.4% and cash: 18.9% of total assets), and 69.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
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
30.6%
Return on assets
10.3%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
30 d late
2021
30 d late
2020
61 d late
2019
1 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€211k▼ 6.4%
2024 · €226k
2019: €193k
2020: €223k
2021: €234k
2022: €242k
2023: €187k
2024: €226k
2019 → 2025
Total assets
€690k▼ 17.0%
2024 · €831k
2019: €877k
2020: €827k
2021: €1.01M
2022: €865k
2023: €868k
2024: €831k
2019 → 2025
Net result
€71k▲ 84.6%
2024 · €38k
2019: €70k
2020: €30k
2021: €11k
2022: €8k
2023: €549
2024: €38k
2019 → 2025
Working capital
€35k▼ 78.8%
2024 · €168k
2019: €122k
2020: €62k
2021: €232k
2022: €51k
2023: €8k
2024: €168k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€234k-€242k▲ 3.2%€187k▼ 22.6%€226k▲ 20.5%€211k▼ 6.4%
Operating result€33k-€15k▼ 56.4%€9k▼ 35.4%€76k▲ 711%€123k▲ 61.9%
Net result€11k-€8k▼ 34.0%€549▼ 92.7%€38k▲ 6,898%€71k▲ 84.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 62% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €690k
Fixed assets
€189k ▼ 3.7%
Current assets
€500k ▼ 21.1%
Equity and liabilities €690k
Equity
€211k ▼ 6.4%
Debt
€478k ▼ 20.9%
Debt's share of the balance-sheet total falls from 72.8% to 69.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€166k▲
2024 · €140k
Cash flow
€114k▲
2024 · €103k
Current ratio
1.08▼
2024 · 1.36
Quick ratio
0.98▼
2024 · 1.22
Debt to equity
2.27▼
2024 · 2.68
ROE
33.6%▲
2024 · 17.0%
ROA
10.3%▲
2024 · 4.6%
Interest coverage
16.44▲
2024 · 12.17
Debt ≤ 1 year
€465k▼
2024 · €466k
Debt > 1 year
€14k▼
2024 · €48k
Income taxes
€42k▲
2024 · €27k
Staff costs
€563k▼
2024 · €601k
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€831k€690k▼
Fixed assets21/28€197k€189k▼
Intangible fixed assets21€6k€4k▼
Tangible fixed assets22/27€181k€175k▼
Land and buildings22€5k€3k▼
Plant, machinery and equipment23€45k€72k▲
Furniture and vehicles24€10k€14k▲
Leasing and similar rights25€121k€87k▼
Financial fixed assets28€10k€10k=
Current assets29/58€634k€500k▼
Stocks and contracts in progress3€65k€45k▼
Stocks30/36€65k€45k▼
Amounts receivable within one year40/41€383k€293k▼
Trade receivables40€374k€286k▼
Other amounts receivable41€9k€7k▼
Cash at bank and in hand54/58€164k€131k▼
Deferred charges and accrued income490/1€22k€32k▲
Equity and liabilities
Total equity and liabilities10/49€831k€690k▼
Equity10/15€226k€211k▼
Contributions10/11€14k€14k=
Reserves13€211k€197k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€14k€14k=
Distributable reserves133€198k€183k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€605k€478k▼
Amounts payable after more than one year17€48k€14k▼
Financial debts170/4€48k€14k▼
Amounts payable within one year42/48€466k€465k▼
Current portion of amounts payable after more than one year42€39k€34k▼
Financial debts43€88k€83k▼
Credit institutions430/8€88k€81k▼
Other loans439-€1k
Trade debts44€268k€238k▼
Suppliers440/4€268k€238k▼
Taxes, remuneration and social security45€53k€41k▼
Taxes450/3€27k€17k▼
Remuneration and social security454/9€26k€24k▼
Other amounts payable47/48€18k€69k▲
Accrued charges and deferred income492/3€91k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0€7k▲
Remuneration, social security and pensions62€601k€563k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€43k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€7k€0▼
Other operating charges640/8€16k€10k▼
Non-recurring operating charges66A€66€250▲
Gross operating margin9900€765k€739k▼
Operating profit (loss)9901€76k€123k▲
Financial income75/76B€943€125▼
Recurring financial income75€943€125▼
Financial charges65/66B€12k€10k▼
Recurring financial charges65€12k€10k▼
Profit (loss) for the period before taxes9903€65k€113k▲
Income taxes67/77€27k€42k▲
Profit (loss) for the period9904€38k€71k▲
Profit (loss) for the period to be appropriated9905€38k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€69k▲
Profit (loss) brought forward from the previous period14P-€-2k
Transfer from equity791/2€0€84k▲
Transfer to equity691/2€38k€69k▲
To other reserves6921€38k€69k▲
Profit to be distributed694/7€0€84k▲
Return on contributions (dividend)694€0€84k▲
Social balance
Average headcount (FTE)90878.97.6▼
The notes to these accounts (23 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2019net €71k ▲84.6%
Operating result €123k, net result €71k, both a record.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Equity above €200kEq €226k ▲20.5%
6 profitable years in a row build equity to €226k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €549 ▼92.7%
Net result drops to €549, the lowest in the series; recovery starts the following year.
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
31-03
Financial
Equity above €200kEq €223k ▲15.8%
2 profitable years in a row build equity to €223k.
2019
01-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 1 day late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
11-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Kapellen · 1 establishment unit since 2009
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.
Hoogboomsteenweg 72950 KapellenGround area
986 m²
Building footprint
231 m²
Volume, LiDAR
2,148 m³
2 parcels, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Opus 3 renovatieprojecten
since 20092.176.955.954
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362M0125/00K000 | Flanders | 591 m² | 1 · 143 m² | 15.3 m · 4 fl. |
| 11364F0781/00H000 | Flanders | 394 m² | 1 · 87 m² | 10.7 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 108 EUR awarded · 108 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 108 EUR | 108 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
648832BX9WRLX20X0265
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,794 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
Founded04-02-2009
Fiscal year end31-03
Activities, NACEBEL 2025
41001General construction of residential buildings
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.