OPTIFABI
ActiveSummary
The computed 12-month bankruptcy probability of OPTIFABI is 1.6% (moderate). The 2025 annual accounts show equity of €4k and a net result of €11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 11389 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability98▲+5
Solvency34▼-18
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 11389 sector peers (2025).
NBB · sector comparisonPosition among 11389 sector peers
Solvency
better than 25%
← 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 02-06-2026, 59 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
59 d early
2024
50 d early
2023
55 d early
2022
41 d early
2021
46 d early
2020
29 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 73.6%
2024 · €15k
Total assets
€47k▼ 18.4%
2024 · €57k
Net result
€11k▼ 2.6%
2024 · €11k
Working capital
€-6k
2024 · €6k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€13k▲ 22.9%€4k▼ 70.3%€4k▲ 6.6%€16k▲ 293%€15k▼ 2.3%
Net result€9k▲ 43.5%€3k▼ 71.1%€2k▼ 21.3%€11k▲ 420%€11k▼ 2.6%
Equity€20k▲ 89.3%€23k▲ 13.6%€25k▲ 9.4%€15k▼ 39.1%€4k▼ 73.6%
Total assets€25k▲ 47.0%€68k▲ 171%€59k▼ 13.9%€57k▼ 3.0%€47k▼ 18.4%
Debt€5k▼ 21.2%€46k▲ 781%€34k▼ 25.6%€42k▲ 23.5%€43k▲ 1.5%
Working capital€20k▲ 87.3%€13k▼ 33.0%€16k▲ 17.7%€6k▼ 63.2%€-6k
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 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47k
Fixed assets
€11k ▼ 50.0%
Current assets
€36k ▲ 0.3%
Equity and liabilities €47k
Equity
€4k ▼ 73.6%
Debt
€43k ▲ 1.5%
Debt's share of the balance-sheet total rises from 73.4% to 91.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€26k▼
2024 · €26k
Cash flow
€22k▼
2024 · €22k
Current ratio
0.86▼
2024 · 1.19
Debt to equity
10.65▲
2024 · 2.77
ROE
272.0%▲
2024 · 73.6%
ROA
23.3%▲
2024 · 19.6%
Interest coverage
72.77▲
2024 · 50.86
Debt ≤ 1 year
€42k▲
2024 · €30k
Debt > 1 year
€919▼
2024 · €12k
Income taxes
€4k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €64 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €475 | €11k | €11k | €11k | €11k | = |
| Gross operating margin9900 | €13k | €15k | €15k | €26k | €26k | ▼ 1.4% |
| Operating profit (loss)9901 | €13k | €4k | €4k | €16k | €15k | ▼ 2.3% |
| Financial income75/76B | €0 | - | - | €3 | - | - |
| Recurring financial income75 | €0 | - | - | €3 | - | - |
| Financial charges65/66B | €109 | €806 | €674 | €516 | €356 | ▼ 31.1% |
| Recurring financial charges65 | €109 | €806 | €674 | €516 | €356 | ▼ 31.1% |
| Profit (loss) for the period before taxes9903 | €12k | €3k | €3k | €15k | €15k | ▼ 1.4% |
| Income taxes67/77 | €3k | €185 | €1k | €4k | €4k | ▲ 2.2% |
| Profit (loss) for the period9904 | €9k | €3k | €2k | €11k | €11k | ▼ 2.6% |
| Profit (loss) for the period to be appropriated9905 | €9k | €3k | €2k | €11k | €11k | ▼ 2.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €25k | €68k | €59k | €57k | €47k | ▼ 18.4% |
| Fixed assets21/28 | €950 | €43k | €32k | €21k | €11k | ▼ 50.0% |
| Tangible fixed assets22/27 | €950 | €43k | €32k | €21k | €11k | ▼ 50.0% |
| Furniture and vehicles24 | €950 | €43k | €32k | €21k | €11k | ▼ 50.0% |
| Current assets29/58 | €24k | €25k | €27k | €36k | €36k | ▲ 0.3% |
| Amounts receivable within one year40/41 | €21k | €19k | €14k | €19k | €2k | ▼ 91.7% |
| Trade receivables40 | €21k | €12k | €13k | €19k | - | - |
| Other amounts receivable41 | €21 | €6k | €869 | €433 | €2k | ▲ 267% |
| Cash at bank and in hand54/58 | €4k | €6k | €12k | €15k | €15k | ▼ 3.2% |
| Deferred charges and accrued income490/1 | - | €891 | €944 | €1k | €20k | ▲ 1,274% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €25k | €68k | €59k | €57k | €47k | ▼ 18.4% |
| Equity10/15 | €20k | €23k | €25k | €15k | €4k | ▼ 73.6% |
| Contributions10/11 | €4k | €4k | €4k | €4k | €4k | = |
| Capital10 | €4k | €4k | €4k | €4k | €4k | = |
| Issued capital100 | €4k | €4k | €4k | €4k | €4k | = |
| Profit (loss) carried forward14 | €16k | €19k | €21k | €11k | - | - |
| Amounts payable17/49 | €5k | €46k | €34k | €42k | €43k | ▲ 1.5% |
| Amounts payable after more than one year17 | - | €33k | €23k | €12k | €919 | ▼ 92.3% |
| Financial debts170/4 | - | €33k | €23k | €12k | €919 | ▼ 92.3% |
| Amounts payable within one year42/48 | €4k | €12k | €11k | €30k | €42k | ▲ 38.5% |
| Current portion of amounts payable after more than one year42 | - | €10k | €11k | €11k | €11k | ▲ 1.5% |
| Trade debts44 | - | €1k | €281 | €361 | €589 | ▲ 63.2% |
| Suppliers440/4 | - | €1k | €281 | €361 | €589 | ▲ 63.2% |
| Taxes, remuneration and social security45 | €4k | - | €73 | €930 | €2k | ▲ 75.5% |
| Taxes450/3 | €4k | - | €73 | €930 | €2k | ▲ 75.5% |
| Other amounts payable47/48 | €816 | €302 | €354 | €18k | €29k | ▲ 58.2% |
| Accrued charges and deferred income492/3 | €742 | €281 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9k | €3k | €2k | €11k | €11k | ▼ 2.6% |
| + Depreciation and write-downs630 | €475 | €11k | €11k | €11k | €11k | = |
| Operating cash flow (approximation) | €10k | €14k | €13k | €22k | €22k | ▼ 1.3% |
| Investment in fixed assets (approximation) | - | €-53k | €0 | €0 | €0 | - |
| Change in cash | - | €2k | €6k | €4k | €-487 | ▼ 114% |
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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €11k ▲420%
Operating result €16k, net result €11k, both a record.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €2k ▼21.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 5.47
Current ratio from 2.61 to 5.47; short-term debt falls from €7k to €4k.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Sambreville · 1 establishment unit since 2020
Ground area
393 m²
Building footprint
75 m²
Volume, LiDAR
825 m³
Parcel 92007F0244/00V015, Wallonia · tallest building 12.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
OPTIFABI
since 20202.300.348.763
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92007F0244/00V015 | Wallonia | 393 m² | 1 · 75 m² | 12.9 m · 4 fl. |
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.
Similar companies · same sector, comparable size
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I.S.L. Supply
BE 1031.181.066
Raeren · Eq €3,944
Chicane Classics
BE 0606.970.570
Antwerpen · Eq €4,060
FOLAT
BE 0472.510.457
Antwerpen · Eq €4,071
TOSCH
BE 0763.707.328
Sint-Katelijne-Waver · Eq €3,884
Of 4,415 companies in sector 46180 we hold annual accounts for 1,884. 560 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
Founded11-03-2020
Fiscal year end31-12
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
46140Agents in the wholesale of industrial machinery, ships and aircraft
46150Agents in the wholesale of furniture, household goods and hardware
Contact
E-mail
fabienhanot@optifabi.be
Scores and ratios are computed by Checked and are not a credit decision.