Optifinn is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €147k and a net result of €258k. Equity is growing by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 27% of 109 sector peers (fiscal year 2026). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 14-09-2026, 47 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2026
47 d early
2025
31 d early
2024
28 d early
2023
on the day
2022
1 d early
2021
5 d early
2020
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€147k▼ 68.1%
2025 · €462k
2019: €66k
2020: €122k
2021: €254k
2022: €388k
2023: €413k
2024: €358k
2025: €462k
2019 → 2026
Net result
€258k▼ 1.1%
2025 · €261k
2019: €54k
2020: €57k
2021: €127k
2022: €134k
2023: €159k
2024: €104k
2025: €261k
2019 → 2026
Total assets
€535k▼ 7.9%
2025 · €581k
2019: €103k
2020: €145k
2021: €295k
2022: €411k
2023: €445k
2024: €518k
2025: €581k
2019 → 2026
Solvency
27.5%▼ 51.9pp
2025 · 79.4%
2019: 63.9%
2020: 84.0%
2021: 86.2%
2022: 94.3%
2023: 92.8%
2024: 69.2%
2025: 79.4%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€388k-€413k▲ 6.5%€358k▼ 13.2%€462k▲ 28.8%€147k▼ 68.1%
Operating result€173k-€213k▲ 23.0%€140k▼ 34.3%€238k▲ 70.6%€345k▲ 44.9%
Net result€134k-€159k▲ 18.7%€104k▼ 34.3%€261k▲ 150%€258k▼ 1.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 45% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €535k
Fixed assets
€38k▼ 2.2%
Current assets
€498k▼ 8.4%
Equity and liabilities €535k
Equity
€147k▼ 68.1%
Debt
€388k▲ 224%
The debt ratio rises from 20.6% to 72.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
27.5%▼
2025 · 79.4%
ROE
175.5%▲
2025 · 56.6%
ROA
48.3%▲
2025 · 44.9%
Debt
€388k▲
2025 · €120k
Debt ≤ 1 year
€379k▲
2025 · €110k
Income taxes
€88k▲
2025 · €63k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€581k€535k▼
Fixed assets21/28€38k€38k▼
Tangible fixed assets22/27€20k€19k▼
Furniture and vehicles24-€878
Other tangible fixed assets26€20k€18k▼
Financial fixed assets28€19k€19k=
Current assets29/58€543k€498k▼
Amounts receivable within one year40/41€45k€20k▼
Trade receivables40€45k€20k▼
Current investments50/53€494k€461k▼
Cash at bank and in hand54/58€5k€15k▲
Deferred charges and accrued income490/1€71€1k▲
Equity and liabilities
Total equity and liabilities10/49€581k€535k▼
Equity10/15€462k€147k▼
Contributions10/11€19k€19k=
Reserves13€443k€129k▼
Distributable reserves133€443k€129k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€120k€388k▲
Amounts payable within one year42/48€110k€379k▲
Trade debts44€0€3k▲
Suppliers440/4€0€3k▲
Taxes, remuneration and social security45€10k€16k▲
Taxes450/3€10k€15k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€101k€360k▲
Accrued charges and deferred income492/3€9k€9k▲
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€244k€351k▲
Operating profit (loss)9901€238k€345k▲
Financial income75/76B€95k€10k▼
Recurring financial income75€95k€10k▼
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€324k€346k▲
Income taxes67/77€63k€88k▲
Profit (loss) for the period9904€261k€258k▼
Profit (loss) for the period to be appropriated9905€261k€258k▼
Appropriation of the result
Profit (loss) to be appropriated9906€261k€258k▼
Transfer from equity791/2€158k€317k▲
Transfer to equity691/2€261k€3k▼
To other reserves6921€261k€3k▼
Profit to be distributed694/7€158k€573k▲
Return on contributions (dividend)694€158k€573k▲
The notes to these accounts (7 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 2027, expected by
2026
14-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €261k ▲150%
Net result €261k, the highest in the series.
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity doublescurrent ratio 16.36
Current ratio from 6.60 to 16.36; short-term debt falls from €40k to €23k.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €200kEq €254k ▲108%
3 profitable years in a row build equity to €254k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Liquidity doublescurrent ratio 5.93
Current ratio from 2.80 to 5.93; short-term debt falls from €33k to €23k.
30-06
Financial
Equity above €100kEq €122k ▲85%
2 profitable years in a row build equity to €122k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gavere · 1 establishment unit since 2018
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.
Eeckhoutstraat 239890 GavereGround area
1,216 m²
Building footprint
266 m²
Volume, LiDAR
1,517 m³
Parcel 44020A0611/00C000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Optifinn
since 20182.272.866.485
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44020A0611/00C000 | Flanders | 1,216 m² | 1 · 266 m² | 9.1 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.
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NTH-Concept
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,206 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2018
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70100Activities of head offices
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.