OptiFisc Namur
ActiveOptiFisc Namur has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €228. Its solvency ranks better than 5% of 12665 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability69
Solvency26
Growth-
Track record67
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
0.8%
Return on assets
0.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12665 sector peers (2025).
NBB · sector comparisonPosition among 12665 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
26 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€2k
Total assets
€291k
Net result
€228
Working capital
€-56k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €291k
Fixed assets
€200k
Current assets
€91k
Equity and liabilities €291k
Equity
€2k
Debt
€289k
Debt finances 99.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€40k
Cash flow
€34k
Solvency
0.8%
Current ratio
0.62
Quick ratio
0.62
ROE
10.3%
ROA
0.1%
Interest coverage
6.45
Debt
€289k
Debt ≤ 1 year
€146k
Debt > 1 year
€142k
Income taxes
€543
A ratio outside any meaningful range has been withheld (balance sheet total €291k, equity €2k).
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€291k
Fixed assets21/28€200k
Intangible fixed assets21€200k
Current assets29/58€91k
Amounts receivable within one year40/41€51k
Trade receivables40€49k
Other amounts receivable41€2k
Cash at bank and in hand54/58€37k
Deferred charges and accrued income490/1€3k
Equity and liabilities
Total equity and liabilities10/49€291k
Equity10/15€2k
Contributions10/11€2k
Profit (loss) carried forward14€228
Amounts payable17/49€289k
Amounts payable after more than one year17€142k
Financial debts170/4€142k
Amounts payable within one year42/48€146k
Current portion of amounts payable after more than one year42€25k
Trade debts44€78k
Suppliers440/4€78k
Taxes, remuneration and social security45€543
Taxes450/3€543
Other amounts payable47/48€43k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k
Other operating charges640/8€1k
Gross operating margin9900€41k
Operating profit (loss)9901€7k
Financial charges65/66B€6k
Recurring financial charges65€6k
Profit (loss) for the period before taxes9903€771
Income taxes67/77€543
Profit (loss) for the period9904€228
Profit (loss) for the period to be appropriated9905€228
Appropriation of the result
Profit (loss) to be appropriated9906€228
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
NBB filing
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, Namur · 1 establishment unit since 2024
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.
Rue de l'Herbage(JB) 345100 NamurGround area
386 m²
Building footprint
189 m²
Parcel 92322D0194/00C002, Wallonia. Linked by address, not a title deed.
1 establishment unit
OptiFisc Namur
since 20242.366.355.085
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92322D0194/00C002 | Wallonia | 386 m² | 1 · 189 m² | - |
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
My Fiducia
BE 0800.805.274
Eghezée · Eq €2k
de Brabant consulting
BE 0798.345.533
Grez-Doiceau · Eq €2k
HET BOEKHOUDHUIS
BE 0438.552.440
Brugge · Eq €2k
CABINET PHILIPPE GERARD ET CONSULTANTS ASSOCIES
BE 0423.787.555
Jemeppe-sur-Sambre · Eq €2k
S. VERHAMME
BE 0774.850.945
Zwevegem · Eq €2k
Of 12,172 companies in sector 69201 we hold annual accounts for 7,638. 1,131 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2024
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:david@ecofise.be