OPTI-SERVICE
ActiveOPTI-SERVICE has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €218k and a net result of €36k. Equity is shrinking by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 84% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-13
Solvency100▲+3
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 3.25 against 2.47 in 2024; short-term debt: 23.2% and cash: 57.7% of total assets), and 23.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
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
76.3%
Return on assets
12.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €218k
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
42 d early
2023
49 d early
2022
52 d early
2021
37 d early
2020
36 d early
2019
56 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€218k▲ 19.9%
2024 · €181k
2018: €290k
2019: €300k
2020: €329k
2021: €277k
2022: €123k
2023: €170k
2024: €181k
2018 → 2025
Total assets
€285k▲ 13.6%
2024 · €251k
2018: €307k
2019: €314k
2020: €336k
2021: €340k
2022: €362k
2023: €240k
2024: €251k
2018 → 2025
Net result
€36k▼ 38.6%
2024 · €59k
2018: €38k
2019: €10k
2020: €28k
2021: €376
2022: €10k
2023: €47k
2024: €59k
2018 → 2025
Working capital
€149k▲ 45.5%
2024 · €102k
2018: €253k
2019: €278k
2020: €320k
2021: €218k
2022: €74k
2023: €132k
2024: €102k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€277k-€123k▼ 55.6%€170k▲ 38.0%€181k▲ 6.9%€218k▲ 19.9%
Operating result€11k-€29k▲ 161%€68k▲ 135%€86k▲ 26.1%€55k▼ 35.7%
Net result€376-€10k▲ 2,518%€47k▲ 375%€59k▲ 26.0%€36k▼ 38.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €285k
Fixed assets
€70k▼ 11.3%
Current assets
€215k▲ 25.1%
Equity and liabilities €285k
Equity
€218k▲ 19.9%
Debt
€68k▼ 2.8%
The debt ratio falls from 27.7% to 23.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€80k▼
2024 · €101k
Cash flow
€61k▼
2024 · €74k
Solvency
76.3%▲
2024 · 72.3%
Current ratio
3.25▲
2024 · 2.47
Quick ratio
3.25▲
2024 · 2.47
Debt / equity
0.31▼
2024 · 0.38
ROE
16.6%▼
2024 · 32.4%
ROA
12.7%▼
2024 · 23.4%
Interest coverage
18.75▼
2024 · 20.85
Debt
€68k▼
2024 · €70k
Debt ≤ 1 year
€66k▼
2024 · €70k
Income taxes
€15k▼
2024 · €23k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€251k€285k▲
Fixed assets21/28€79k€70k▼
Tangible fixed assets22/27€79k€70k▼
Land and buildings22€17k€15k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€61k€54k▼
Other tangible fixed assets26€268€0▼
Current assets29/58€172k€215k▲
Amounts receivable within one year40/41€71k€48k▼
Trade receivables40€71k€43k▼
Other amounts receivable41€0€5k▲
Cash at bank and in hand54/58€99k€164k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€251k€285k▲
Equity10/15€181k€218k▲
Reserves13€179k€215k▲
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Distributable reserves133€173k€209k▲
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€70k€68k▼
Amounts payable within one year42/48€70k€66k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€7k€4k▼
Taxes450/3€7k€4k▼
Other amounts payable47/48€61k€61k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€25k▲
Other operating charges640/8€1k€4k▲
Gross operating margin9900€102k€84k▼
Operating profit (loss)9901€86k€55k▼
Financial income75/76B€591€514▼
Recurring financial income75€591€514▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€82k€51k▼
Income taxes67/77€23k€15k▼
Profit (loss) for the period9904€59k€36k▼
Profit (loss) for the period to be appropriated9905€59k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€39k▼
Profit (loss) brought forward from the previous period14P€3k€3k=
Transfer from equity791/2€47k€0▼
Transfer to equity691/2€59k€36k▼
To other reserves6921€59k€36k▼
Profit to be distributed694/7€47k€0▼
Return on contributions (dividend)694€47k€0▼
The notes to these accounts (4 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
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €218k ▲19.9%
8 profitable years in a row build equity to €218k.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €59k ▲26%
Operating result €86k, net result €59k, both a record.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 2.86
Current ratio from 1.31 to 2.86; short-term debt falls from €239k to €71k.
31-12
Financial
Equity above €150kEq €170k ▲38%
6 profitable years in a row build equity to €170k.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €376 ▼98.7%
Net result drops to €376, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 46.74
Current ratio from 21.82 to 46.74; short-term debt falls from €13k to €7k.
05-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-03
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
5 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, Boutersem · 1 establishment unit since 2005
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.
Leuvensesteenweg 393370 BoutersemGround area
1,685 m²
Building footprint
115 m²
Volume, LiDAR
561 m³
Parcel 24093B0212/00C000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OPTI-SERVICE
since 20052.144.790.358
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24093B0212/00C000 | Flanders | 1,685 m² | 1 · 115 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
SPAAS ORTHOPEDIE
BE 0678.960.705
Hamont-Achel · Eq €217k
Clinicare Shops
BE 0760.798.516
Beveren-Kruibeke-Zwijndrecht · Eq €217k
dB PROTECT
BE 0845.285.813
Pelt · Eq €216k
Hoorcentrum Liesje De Wit
BE 1011.618.047
Leuven · Eq €219k
CENTRALE MEDICO DENTAIRE
BE 0415.533.944
Vorst · Eq €219k
Of 1,070 companies in sector 47741 we hold annual accounts for 644. 491 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-12-2004
Fiscal year end31-12
Activities, NACEBEL
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
52320
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.