O.P.I.M. SERVICES
ActiveSummary
O.P.I.M. SERVICES has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €175,825 and a net result of €513,109. Equity has been growing by about 31% per year since 2021. Its solvency ranks better than 17% of 12,757 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
Official details
Source: KBO- Status
- Active since 12-07-2021 Normal situation
- Activity
- Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811and 1 other
- Establishment unit
- 2.320.266.526 1300 Wavre, since 12-07-2021
- Financial year end
- 31 December
- Peppol
- Reachable
Board and ownership
Board
- OPIM PARTICIPATIONS SRLDirector · since 12-07-2021
Shareholders
- O.P.I.M. AUTOMOTIVE100%2025 annual accounts of O.P.I.M. AUTOMOTIVE
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.8%
Annual accounts 2025
- Gross margin
- €1.1m
- ▲ 110%
- Turnover
- ≈ €4.1m
- estimated
- Profit
- €513,109
- ▲ 167%
- Equity
- €175,825
- ▲ 8.1%
- Total assets
- €3.5m
- ▲ 40.3%
- Employees on 31-12-2025
- 1
- =
Net result +167%: other schema
Filed on 23-06-2026, 38 days before the deadline
Score breakdownraises riskEquity €175,825 (5.0% of total assets)1 change of registered office in 24 monthslowers riskFigures for financial year 2025 (filed on 23-06-2026)Size: 0.4 FTE, total assets €3.5mShow the evidence
Checked score
Score 2025
68
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 47% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Average
Solvency
30-2
equity 5.0% of total assets
Liquidity
30+23
short-term debt 94.7% · cash 24.0%
Profitability
87+9
return on assets 14.7%
Bankruptcy probability within 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.7%
01-2025: 1.7%● unchanged vs 12-2024
02-2025: 1.7%● unchanged vs 01-2025
03-2025: 1.4%▼ -0.3 percentage points vs 02-2025
04-2025: 1.7%▲ +0.3 percentage points vs 03-2025
05-2025: 2.1%▲ +0.4 percentage points vs 04-2025
06-2025: 2.0%▼ -0.1 percentage points vs 05-2025
07-2025: 1.9%▼ -0.1 percentage points vs 06-2025
08-2025: 1.9%● unchanged vs 07-2025
09-2025: 5.7%▲ +3.8 percentage points vs 08-2025
10-2025: 5.7%● unchanged vs 09-2025
11-2025: 5.7%● unchanged vs 10-2025
12-2025: 5.9%▲ +0.2 percentage points vs 11-2025
01-2026: 5.8%▼ -0.1 percentage points vs 12-2025
02-2026: 5.8%● unchanged vs 01-2026
03-2026: 6.5%▲ +0.7 percentage points vs 02-2026
04-2026: 7.2%▲ +0.7 percentage points vs 03-2026
05-2026: 7.1%▼ -0.1 percentage points vs 04-2026
06-2026: 7.3%▲ +0.2 percentage points vs 05-2026highest value
07-2026: 3.7%▼ -3.6 percentage points vs 06-2026
08-2026: 3.8%▲ +0.1 percentage points vs 07-2026
09-2026: 4.5%▲ +0.7 percentage points vs 08-2026
10-2026: 0.8%▼ -3.7 percentage points vs 09-2026lowest value
11-2026: 0.8%● unchanged vs 10-2026lowest value
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.0 (0.99 in 2024), below the usual 1.5. Short-term debt is 94.7% and cash 24% of total assets. 95% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 23% of them on solvency, 27% on liquidity, 82% on profitability and 57% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 12757 sector peers (2025).
NBB · sector comparisonPosition among 12757 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-06-2026, 38 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
38 days early
2024
77 days early
2023
40 days early
2022
33 days early
2021
97 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 57 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 June (4 of the last 5 accounts filed within 38 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Key points
Recent changes
- · Gazette deed Company renamed from PIERRE JOEL SERVICES to O.P.I.M.SERVICES
- · Gazette deed Company renamed from PIERRE JOEL CARS TRADING to PIERRE JOEL SERVICES
- · Gazette deed Registered office moved within Wavre
Companies linked to O.P.I.M. SERVICES
Comparable companies
These companies have the same main activity as O.P.I.M. SERVICES: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €2m and €3.7m, founded between 2018 and 2022.
| Company | Total assets | Gross margin |
|---|---|---|
| O.P.I.M. SERVICES Jodoigne | €3.5m | €1.1m |
| MAC Automotive Brasschaat | €2.8m | €0.8m |
| TM Cars & Co Harelbeke | €3.1m | €0.6m |
| Demunster Automotive Zwevegem | €3.7m | €0.4m |
| HAK AUTO Asse | €2.2m | €0.3m |
| MKmotiv Boortmeerbeek | €2.8m | €0.3m |
| Arvaro Kuurne | €2.0m | €0.5m |
Key facts about O.P.I.M. SERVICES
- What is the company number of O.P.I.M. SERVICES?
- The company number of O.P.I.M. SERVICES is 0771.279.068. The VAT number is the same number with BE in front: BE 0771.279.068.
- Where is O.P.I.M. SERVICES based?
- The registered office is at Rue des Trois Fontaines 8, 1370 Jodoigne.Company details
- What does O.P.I.M. SERVICES do?
- According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
- What is the legal form of O.P.I.M. SERVICES?
- The legal form of O.P.I.M. SERVICES is Private limited company (BV).
- When was O.P.I.M. SERVICES founded?
- O.P.I.M. SERVICES was founded on 12-07-2021.
- Is O.P.I.M. SERVICES still active?
- Yes, O.P.I.M. SERVICES is an active enterprise in the KBO register.
- How many employees does O.P.I.M. SERVICES have?
- O.P.I.M. SERVICES had an average of 0.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of O.P.I.M. SERVICES?
- The turnover in financial year 2025 is ≈ €4.1m. This figure is estimated from the gross margin of €1.1m and 87 comparable companies (NACE 47). It probably lies between €2.5m and €7.5m.
- Is O.P.I.M. SERVICES profitable?
- In financial year 2025, O.P.I.M. SERVICES made a profit of €513,109.
- Where can I find the annual accounts of O.P.I.M. SERVICES?
- O.P.I.M. SERVICES filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of O.P.I.M. SERVICES due?
- O.P.I.M. SERVICES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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