OPTI-IMMO
ActiveSummary
OPTI-IMMO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €116,179 and a net result of -€5,601. Equity is shrinking by ~5.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability50▲+36
Solvency100=
Growth34▼-6
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 3.76 against 1.82 in 2023; short-term debt: 0.2% and cash: 0.9% of total assets), and 0.2% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
99.8%
Return on assets
-4.8%
Age of the figures
21 mo
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
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 27-06-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
42 d early
2023
44 d early
2022
49 d early
2021
45 d early
2020
25 d early
2019
39 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 40 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 18 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2024, full schema
Turnover
€79,400▼ 20.8%
2023 · €100,270
EBIT margin
-7.0%▼ 0.2pp
2023 · -6.8%
Net result
-€5,601▲ 18.4%
2023 · -€6,866
Working capital
€787▲ 236%
2023 · €234
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€109,184▲ 29.0%€117,600▲ 7.7%€120,000▲ 2.0%€100,270▼ 16.4%€79,400▼ 20.8%
Operating result-€7,124▼ 0.8%-€8,222▼ 15.4%-€7,900▲ 3.9%-€6,802▲ 13.9%-€5,548▲ 18.4%
Net result-€7,157within the sector's middle half▲ 35.2%-€8,261within the sector's middle half▼ 15.4%-€7,943within the sector's middle half▲ 3.9%-€6,866within the sector's middle half▲ 13.6%-€5,601within the sector's middle half▲ 18.4%
EBIT margin-6.5%▲ 1.8pp-7.0%▼ 0.5pp-6.6%▲ 0.4pp-6.8%▼ 0.2pp-7.0%▼ 0.2pp
Equity€144,850within the sector's middle half▼ 4.7%€136,589within the sector's middle half▼ 5.7%€128,646within the sector's middle half▼ 5.8%€121,780within the sector's middle half▼ 5.3%€116,179within the sector's middle half▼ 4.6%
Total assets€144,850below the sector's middle half▼ 4.7%€136,589below the sector's middle half▼ 5.7%€128,646below the sector's middle half▼ 5.8%€122,065below the sector's middle half▼ 5.1%€116,464below the sector's middle half▼ 4.6%
Debt€285€285=
Working capital€234within the sector's middle half€787within the sector's middle half▲ 236%
Solvency100.0%above the sector's middle half=100.0%above the sector's middle half=100.0%above the sector's middle half=99.8%above the sector's middle half▼ 0.2pp99.8%above the sector's middle half=
Current ratio1.82within the sector's middle half3.76above the sector's middle half▲ 1.94
Return on assets (ROA)-4.9%below the sector's middle half▲ 2.3pp-6.0%below the sector's middle half▼ 1.1pp-6.2%below the sector's middle half▼ 0.1pp-5.6%below the sector's middle half▲ 0.5pp-4.8%below the sector's middle half▲ 0.8pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5,548 in 2024 against €6,802 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €116,464
Fixed assets
€115,392 ▼ 5.1%
Current assets
€1,072 ▲ 107%
Equity and liabilities €116,464
Equity
€116,179 ▼ 4.6%
Debt
€285 =
Debt's share of the balance-sheet total stays at 0.2%.
Key figures and ratios
EBITDA
€606▲
2023 · -€648
Cash flow
€553▲
2023 · -€712
Debt to equity
0.00▲
2023 · 0.00
ROE
-4.8%▲
2023 · -5.6%
Interest coverage
11.43▲
2023 · -10.13
Debt ≤ 1 year
€285=
2023 · €285
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,910 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €109,184 | €117,600 | €120,000 | €100,270 | €79,400 | ▼ 20.8% |
| Goods, raw materials, services and sundry goods60/61 | - | €115,836 | €118,268 | €96,868 | €74,844 | ▼ 22.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,958 | €6,635 | €6,154 | €6,154 | €6,154 | = |
| Other operating charges640/8 | - | €3,351 | €3,478 | €4,050 | €3,950 | ▼ 2.5% |
| Gross operating margin9900 | €7,161 | €1,764 | €1,732 | €3,402 | €4,556 | ▲ 33.9% |
| Operating profit (loss)9901 | -€7,124 | -€8,222 | -€7,900 | -€6,802 | -€5,548 | ▲ 18.4% |
| Financial charges65/66B | - | €40 | €43 | €64 | €53 | ▼ 17.2% |
| Recurring financial charges65 | €33 | €40 | €43 | €64 | €53 | ▼ 17.2% |
| Profit (loss) for the period before taxes9903 | -€7,157 | -€8,261 | -€7,943 | -€6,866 | -€5,601 | ▲ 18.4% |
| Profit (loss) for the period9904 | -€7,157 | -€8,261 | -€7,943 | -€6,866 | -€5,601 | ▲ 18.4% |
| Profit (loss) for the period to be appropriated9905 | -€7,157 | -€8,261 | -€7,943 | -€6,866 | -€5,601 | ▲ 18.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €144,850 | €136,589 | €128,646 | €122,065 | €116,464 | ▼ 4.6% |
| Fixed assets21/28 | €140,489 | €133,854 | €127,700 | €121,546 | €115,392 | ▼ 5.1% |
| Tangible fixed assets22/27 | €140,489 | €133,854 | €127,700 | €121,546 | €115,392 | ▼ 5.1% |
| Land and buildings22 | - | €133,854 | €127,700 | €121,546 | €115,392 | ▼ 5.1% |
| Current assets29/58 | €4,361 | €2,735 | €946 | €519 | €1,072 | ▲ 107% |
| Cash at bank and in hand54/58 | €4,361 | €2,735 | €946 | €519 | €1,072 | ▲ 107% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €144,850 | €136,589 | €128,646 | €122,065 | €116,464 | ▼ 4.6% |
| Equity10/15 | €144,850 | €136,589 | €128,646 | €121,780 | €116,179 | ▼ 4.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €6,438 | €6,438 | €6,438 | €6,438 | €6,438 | = |
| Distributable reserves133 | - | €6,438 | €6,438 | €6,438 | €6,438 | = |
| Profit (loss) carried forward14 | €119,812 | €111,551 | €103,608 | €96,742 | €91,141 | ▼ 5.8% |
| Amounts payable17/49 | - | - | - | €285 | €285 | = |
| Amounts payable within one year42/48 | - | - | - | €285 | €285 | = |
| Trade debts44 | - | - | - | €285 | €285 | = |
| Suppliers440/4 | - | - | - | €285 | €285 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,157 | -€8,261 | -€7,943 | -€6,866 | -€5,601 | ▲ 18.4% |
| + Depreciation and write-downs630 | €10,958 | €6,635 | €6,154 | €6,154 | €6,154 | = |
| Operating cash flow (approximation) | €3,801 | -€1,626 | -€1,789 | -€712 | €553 | ▲ 178% |
| Investment in fixed assets (approximation) | - | -€0 | €0 | €0 | €0 | - |
| Change in cash | - | -€1,626 | -€1,789 | -€427 | €553 | ▲ 230% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity doublescurrent ratio 3.76
Current ratio from 1.82 to 3.76.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet -€11,050
Net result drops to -€11,050, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Nivelles · 1 establishment unit since 2010
Ground area
2,369 m²
Building footprint
406 m²
Parcel 25099A0003/00T000, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Opti-Immo
since 20102.259.036.661
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25099A0003/00T000 | Wallonia | 2,369 m² | 1 · 406 m² | - |
Linked by address, not proof of ownership
Good to know
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 12,040 companies in sector 68203 we hold annual accounts for 6,007. 3,923 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-06-2010
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
35120Electricity, gas, steam and air conditioning supply
E-invoicing
Reachable via Peppol
Peppol ID
0208:0827783152
Registered
20-11-2020
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.