OPTIFISCO
ActiveSummary
OPTIFISCO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29,403 and a net result of €24,236. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 12819 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency56▲+14
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.13 in 2024; short-term debt: 65.2% and cash: 43.3% of total assets), and 68.8% of the assets are financed with debt.
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Signals
Five 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
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
31.2%
Return on assets
25.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 5 filingsDeviation from the deadline
2025
30 d late
2024
45 d late
2023
61 d late
2022
23 d early
2021
28 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 28 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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. Usually files around 30 August (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€29,403▲ 390%
2024 · €6,001
Total assets
€94,328▲ 163%
2024 · €35,853
Net result
€24,236▲ 33.7%
2024 · €18,132
Working capital
€2,965▼ 23.5%
2024 · €3,877
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€8,210--€3,670▲ 55.3%€550€26,642▲ 4,743%€37,186▲ 39.6%
Net result-€8,210below the sector's middle half--€3,692below the sector's middle half▲ 55.0%€504below the sector's middle half€18,132within the sector's middle half▲ 3,496%€24,236within the sector's middle half▲ 33.7%
Equity-€8,110below the sector's middle half--€11,802below the sector's middle half▼ 45.5%-€11,298below the sector's middle half▲ 4.3%€6,001below the sector's middle half€29,403within the sector's middle half▲ 390%
Total assets€882below the sector's middle half-€12,267below the sector's middle half▲ 1,290%€11,878below the sector's middle half▼ 3.2%€35,853below the sector's middle half▲ 202%€94,328within the sector's middle half▲ 163%
Debt€8,992-€24,069▲ 168%€23,176▼ 3.7%€29,852▲ 28.8%€64,924▲ 117%
Working capital€863below the sector's middle half--€12,327below the sector's middle half-€13,048below the sector's middle half▼ 5.9%€3,877below the sector's middle half€2,965below the sector's middle half▼ 23.5%
Solvency-96.2%below the sector's middle half-95.1%below the sector's middle half▲ 1.1pp16.7%below the sector's middle half▲ 111.9pp31.2%within the sector's middle half▲ 14.4pp
Current ratio0.49below the sector's middle half0.44below the sector's middle half▼ 0.051.13below the sector's middle half▲ 0.691.05below the sector's middle half▼ 0.08
Return on assets (ROA)-30.1%below the sector's middle half4.2%below the sector's middle half▲ 34.3pp50.6%above the sector's middle half▲ 46.3pp25.7%within the sector's middle half▼ 24.9pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94,328
Fixed assets
€29,858 ▲ 1,306%
Current assets
€64,470 ▲ 91.1%
Equity and liabilities €94,328
Equity
€29,403 ▲ 390%
Debt
€64,924 ▲ 117%
Debt's share of the balance-sheet total falls from 83.3% to 68.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€44,364▲
2024 · €27,194
Cash flow
€31,414▲
2024 · €18,683
Debt to equity
2.21▼
2024 · 4.97
ROE
82.4%▼
2024 · 302.2%
Interest coverage
29.29▲
2024 · 14.93
Debt ≤ 1 year
€61,505▲
2024 · €29,852
Income taxes
€11,436▲
2024 · €6,689
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,970 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €155 | €443 | €552 | €7,178 | ▲ 1,201% |
| Other operating charges640/8 | €91 | €9,652 | €2,478 | €3,575 | €3,994 | ▲ 11.7% |
| Gross operating margin9900 | -€8,119 | €6,138 | €3,471 | €30,769 | €48,358 | ▲ 57.2% |
| Operating profit (loss)9901 | -€8,210 | -€3,670 | €550 | €26,642 | €37,186 | ▲ 39.6% |
| Financial income75/76B | - | - | - | - | €1 | - |
| Recurring financial income75 | - | - | - | - | €1 | - |
| Financial charges65/66B | - | €23 | €46 | €1,822 | €1,515 | ▼ 16.9% |
| Recurring financial charges65 | - | €23 | €46 | €1,822 | €1,515 | ▼ 16.9% |
| Profit (loss) for the period before taxes9903 | -€8,210 | -€3,692 | €504 | €24,820 | €35,672 | ▲ 43.7% |
| Income taxes67/77 | - | - | - | €6,689 | €11,436 | ▲ 71.0% |
| Profit (loss) for the period9904 | -€8,210 | -€3,692 | €504 | €18,132 | €24,236 | ▲ 33.7% |
| Profit (loss) for the period to be appropriated9905 | -€8,210 | -€3,692 | €504 | €18,132 | €24,236 | ▲ 33.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €882 | €12,267 | €11,878 | €35,853 | €94,328 | ▲ 163% |
| Fixed assets21/28 | - | €525 | €1,751 | €2,124 | €29,858 | ▲ 1,306% |
| Tangible fixed assets22/27 | - | €525 | €1,706 | €2,079 | €29,858 | ▲ 1,336% |
| Plant, machinery and equipment23 | - | - | €1,407 | €1,083 | €839 | ▼ 22.5% |
| Furniture and vehicles24 | - | - | €298 | €72 | €28,094 | ▲ 39,171% |
| Leasing and similar rights25 | - | €525 | - | - | - | - |
| Other tangible fixed assets26 | - | - | - | €925 | €925 | = |
| Financial fixed assets28 | - | - | €45 | €45 | - | - |
| Current assets29/58 | €882 | €11,741 | €10,128 | €33,728 | €64,470 | ▲ 91.1% |
| Amounts receivable within one year40/41 | €663 | €7,058 | €6,784 | €27,071 | €23,654 | ▼ 12.6% |
| Trade receivables40 | €663 | €7,058 | €6,784 | €27,071 | €23,654 | ▼ 12.6% |
| Cash at bank and in hand54/58 | €219 | €4,684 | €3,344 | €6,394 | €40,815 | ▲ 538% |
| Deferred charges and accrued income490/1 | - | - | - | €264 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €882 | €12,267 | €11,878 | €35,853 | €94,328 | ▲ 163% |
| Equity10/15 | -€8,110 | -€11,802 | -€11,298 | €6,001 | €29,403 | ▲ 390% |
| Contributions10/11 | €100 | €100 | €100 | €100 | €100 | = |
| Profit (loss) carried forward14 | -€8,210 | -€11,902 | -€11,398 | €5,901 | €29,303 | ▲ 397% |
| Amounts payable17/49 | €8,992 | €24,069 | €23,176 | €29,852 | €64,924 | ▲ 117% |
| Amounts payable after more than one year17 | €8,972 | - | - | - | - | - |
| Financial debts170/4 | €8,972 | - | - | - | - | - |
| Amounts payable within one year42/48 | €20 | €24,069 | €23,176 | €29,852 | €61,505 | ▲ 106% |
| Trade debts44 | - | €14,016 | €8,537 | €14,682 | - | - |
| Suppliers440/4 | - | €14,016 | €8,537 | €14,682 | - | - |
| Taxes, remuneration and social security45 | €20 | €441 | €960 | €6,496 | €10,577 | ▲ 62.8% |
| Taxes450/3 | €20 | €441 | €960 | €6,496 | €10,577 | ▲ 62.8% |
| Other amounts payable47/48 | - | €9,612 | €13,678 | €8,674 | €50,928 | ▲ 487% |
| Accrued charges and deferred income492/3 | - | - | - | - | €3,419 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€8,210 | -€3,692 | €504 | €18,132 | €24,236 | ▲ 33.7% |
| + Depreciation and write-downs630 | - | €155 | €443 | €552 | €7,178 | ▲ 1,201% |
| Operating cash flow (approximation) | -€8,210 | -€3,537 | €947 | €18,683 | €31,414 | ▲ 68.1% |
| Investment in fixed assets (approximation) | - | - | -€1,668 | -€925 | -€34,912 | ▼ 3,674% |
| Change in cash | - | €4,465 | -€1,340 | €3,050 | €34,422 | ▲ 1,029% |
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Highest result since 2021net €24,236 ▲33.7%
Operating result €37,186, net result €24,236, both a record.
14-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 45 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 1.13
Current ratio from 0.44 to 1.13.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Back to profitnet €504
Net result €504 after 2 loss-making years.
08-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Gembloux · 1 establishment unit since 2021
Ground area
1,307 m²
Building footprint
122 m²
Volume, LiDAR
627 m³
Parcel 92065A0124/10_000, Wallonia · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OPTIFISCO
since 20212.317.546.962
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92065A0124/10_000 | Wallonia | 1,307 m² | 1 · 122 m² | 6.7 m · 2 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.
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 5,124 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
Founded02-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0764513517
Also
9925:BE0764513517
Registered
23-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.