Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
Financière Lavarde-Opigez from Tournai, company number BE0899565825, closed financial year 2025 with a result of € -44,714 after tax. For that financial year Financière Lavarde-Opigez recorded a gross margin of € 42,834 and equity of € -571,934. Compared with financial year 2024, the result moved from € -147,819 to € -44,714. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on January 30, 2026.
€ -571,934
▼ € 44,714 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -44,714
▲ 70 % less loss than in 2024
Profit after tax over the fiscal year.
€ 60,322
▲ € 50,090 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -591,934.
Debts at end 2025
€ 300,000
Loans from banks and other lenders, long and short.
€ 40,521
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 11,739 | € 63,182 | € 7,990 | € 42,834 | ▲ € 34,844 |
| Profit after taxes | € -99,574 | € -43,181 | € -147,819 | € -44,714 | ▲ € 103,105 |
| Equity | € -336,220 | € -379,401 | € -527,220 | € -571,934 | ▼ € 44,714 |
| Total debts | € 5,815,149 | € 5,781,084 | € 5,788,312 | € 5,818,312 | ▲ 1% |
| Cash | € 5,755 | € 14,666 | € 10,231 | € 60,322 | ▲ € 50,090 |
| Land & buildings | € 1,051,406 | € 981,249 | € 911,093 | € 840,937 | ▼ 8% |
| Retained profit | € -356,220 | € -399,401 | € -547,220 | € -591,934 | ▼ € 44,714 |
| Bank debt | € 807,300 | € 655,395 | € 300,000 | € 300,000 | |
| Balance sheet total | € 5,478,928 | € 5,401,683 | € 5,261,092 | € 5,246,378 |
Key figures of Financière Lavarde-Opigez, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to Financière Lavarde-Opigez?
What happened at Financière Lavarde-Opigez in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 44,714. Source: NBB ↗
- Start of the company according to the CBE. KBO
- New establishment in Tournai. KBO
In short
From € 99,574 loss in 2022 to € 44,714 loss in 2025.
A new publication or filing at Financière Lavarde-Opigez? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Financière Lavarde-Opigez are FRANK LAVARDE and CORINNE OPIGEZ.
Directors
According to the 2025 annual accounts
FRANK LAVARDE
Director
CORINNE OPIGEZ
Director
Establishments
Establishment units
Physical locations of this company
Rue du Mont-Saint-Aubert(K) 55
7540 Tournai
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0899.565.825
- VAT number
- BE 0899.565.825
- Registered office
- Rue du Mont-Saint-Aubert(K) 55, 7540 Tournai
- Names & denominations
- Financière Lavarde-Opigez
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 July 2008
- Peppol
- Not registered