Active BE 0440.117.902Private limited company

Opti-Polis

Aastraat 1 ·2360 Oud-Turnhout, Belgium· 36 yrs active

Sector: Insurance agents and brokers (66220)

Conclusion Checked

Opti-Polis is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €113k and a net result of €216k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 34% of 1433 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€113k
Net result	€216k
Staff (FTE)	4.1
Better than sector	34%

Financial profile 4 of 5 axes measured · computed by Checked

78 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 35

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1990, 36 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview36 NBB filings

Annual accounts filed on 03-06-2026 with the NBB · fiscal year 2025 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~5.4%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 66, Activities auxiliary to financial services and insurance activities · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	24.6%	38.3%	better than 34% of 1433 sector peers
Net result	€216k	€72k	better than 74% of 1432 sector peers
Equity	€113k	€272k	better than 30% of 1433 sector peers
Gross operating margin	€555k	€347k	better than 63% of 1433 sector peers
Staff costs	€290k	€250k	higher than 56% of 1029 sector peers

Net profit

€216k

-26.0% 22-25

Total assets

€459k

-18.3% 22-25

Equity

€113k

+5.3% 22-25

Employees (FTE)

4

+7.9% 22-25

Staff costs

€290k

+20.0% 22-25

Income taxes

€5k

+58.6% 22-25

Debt

€346k

-23.9% 22-25

Debt ≤ 1y

€345k

-23.8% 22-25

Solvency

24.6%

+28.9% 22-25

ROE

190.7%

-29.8% 22-25

ROA

47.0%

-9.5% 22-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022
Deposit	abbreviated schema	abbreviated schema	abbreviated schema	abbreviated schema
Revenue	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a
Net profit	€216k	€292k	€160k	€116k
Cash flow	n/a	n/a	n/a	n/a
Staff costs	€290k	€242k	€261k	€246k
Income taxes	€5k	€3k	€5k	€4k
Dividends	-	-	-	-
Total assets	€459k	€562k	€480k	€453k
Equity	€113k	€107k	€106k	€96k
Debt	€346k	€455k	€374k	€358k
of which ≤ 1y	€345k	€453k	€372k	€354k
of which > 1y	-	-	-	-
Working capital	n/a	n/a	n/a	n/a
Employees (FTE)	4.1	3.8	4.2	-

Ratios (computed)

	2025	2024	2023	2022
Current ratio	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a
Solvency	24.6%	19.1%	22.0%	21.1%
Debt / equity	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a
ROA	47.0%	51.9%	33.3%	25.5%
ROE	190.7%	271.6%	151.3%	120.7%
EBITDA margin	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Assets

Fixed assets €136k · 29.7% Current assets €323k · 70.3%

Equity & liabilities

Equity €113k · 24.6% Debt €346k · 75.4%

Full annual accounts (24 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€459k	€562k	€480k	€453k
Fixed assets	21/28	€136k	€178k	€214k	€260k
Intangible fixed assets	21	€98k	€122k	€147k	€172k
Tangible fixed assets	22/27	€38k	€55k	€67k	€88k
Current assets	29/58	€323k	€384k	€266k	€194k
Amounts receivable within one year	40/41	€66k	€57k	€65k	€69k
Investments	50/53	€0	€250k	-	-
Cash & bank	54/58	€239k	€62k	€184k	€110k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€459k	€562k	€480k	€453k
Equity	10/15	€113k	€107k	€106k	€96k
Contributions / capital	10/11	€60k	€60k	€60k	€60k
Reserves	13	€54k	€48k	€46k	€36k
Accumulated profits (losses)	14	€0	€0	€0	€0
Amounts payable	17/49	€346k	€455k	€374k	€358k
Amounts payable within one year	42/48	€345k	€453k	€372k	€354k
Trade debts payable within one year	44	€37k	€30k	€30k	€30k
Income statement
Gross operating margin	9900	€555k	€585k	€480k	€435k
Operating result	9901	€221k	€299k	€170k	€126k
Financial income	75	€3k	€200	€213	€1
Financial charges	65	€4k	€4k	€5k	€6k
Result before taxes	9903	€220k	€295k	€165k	€120k
Income taxes	67/77	€5k	€3k	€5k	€4k
Net result for the period	9904	€216k	€292k	€160k	€116k
Result to be appropriated	9905	€216k	€292k	€160k	€116k

Legal Structure

NACE primary	Insurance agents and brokers(66220)
Legal form	Private limited company(610)
Incorporation	25-01-1990
Status	Active
Postal code	2360

Establishment units 1 location

Opti-Polis BV

Aastraat 1, 2360 Oud-TurnhoutNACE 67201

since 19902.046.976.845

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13031D0060/00M003	Flanders	918 m²	1 · 147 m²	6.8 m · 1 fl.

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.

Updates 10 events

All 12Financial 2Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

03-06

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

04-06

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Highest result since 2022net €292k ▲82.4%

Operating result €299k, net result €292k, both a record.

05-06

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

31-12

Financial Equity above €100kEq €106k ▲10.4%

2 profitable years in a row build equity to €106k.

13-06

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema

2022

21-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

02-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

10-07

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema

2019

21-06

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema

2018

07-06

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

30-06

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.

Belgian State Gazette reading coverage 0 of 10 acts read

We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Insurance agents and brokers66220Other activities auxiliary to financial services, excluding insurance and pension funding66199

Names & trade names

Legal nameNL

Opti-Polis

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