Turnover
≈ €730,000 estimated
The micro format states no turnover.
OPTIFIX
Overview
Lifetime
1 annual account with figurespeak €327,451 (2025)
€327,451
peak €249,755 (2025)
€249,755
peak €254,755 (2025)
€254,755
€114,748
Board1 name since 2024
1 directorNGABONZIZA Thierry
Documentsfilings and deeds
17-07-202614 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsStarting capital
€5,000 100 shares
Position in the sector
€249,755
Higher net result than 95% of companies in construction of buildings. Sector median €8,556 · 9,425 companies.
Checked score
90
Excellent
Financially stronger than 87% of micro companies in construction of buildings (NACE 41)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,459 companies (NACE 41, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 3.6%
02-2026: 3.7%▲ +0.1 percentage points vs 01-2026
03-2026: 3.8%▲ +0.1 percentage points vs 02-2026
04-2026: 4.2%▲ +0.4 percentage points vs 03-2026
05-2026: 4.2%● unchanged vs 04-2026
06-2026: 4.6%▲ +0.4 percentage points vs 05-2026
07-2026: 5.0%▲ +0.4 percentage points vs 06-2026highest value
08-2026: 0.3%▼ -4.7 percentage points vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026lowest value
11-2026: 0.3%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Founded in 2024
lowers risk
Liquidity: current ratio 3.47, cash €270,095
Equity €254,755 (68.9% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 78% of them on solvency, 91% on liquidity and 91% on profitability.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as OPTIFIX has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of OPTIFIX itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for OPTIFIX. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €22,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 3.47, above the usual 1.5. Short-term debt is 25.2% and cash 73.1% of total assets. 31.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 17-07-2026, 14 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
14 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1017319271
Incorporation
Founding capital of €5,000, 100 shares · Founder: NGABONZIZA Thierry · Appointment: NGABONZIZA Thierry (director) · published on 16-12-2024 · Gazette deed
First establishment
Kleinekapellaan 40, Dilbeek
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| OPTIFIX Dilbeek | €369,503 | €327,451 | 68.9% | - |
| All Construction & Interior Grimbergen | €346,681 | €286,944 | 56.3% | - |
| DAVID BAT Vilvoorde | €424,901 | €294,617 | 57.0% | - |
| VAESEN BOUWSERVICE Bocholt | €360,556 | €268,895 | 3.2% | - |
| WIVYBO AANNEMINGEN Ledegem | €321,680 | €379,007 | 53.2% | - |
| Facet Bouw Zulte | €434,180 | €305,735 | 23.1% | - |
| HOME BUILD BOUWONDERNEMING Genk | €368,968 | €246,726 | 14.8% | 2.8 |
These companies have the same main activity as OPTIFIX: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €322,000 and €434,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 12-12-2024Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 4 others
- Establishment unit
- 2.367.309.5461700 Dilbeek, since 12-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 03-11-2025
Annual accounts 2025
- €327,451
- €249,755
- €254,755
- €369,503
- Filing
- Filed on 17-07-2026, 14 days before the end of the filing period
Insights on OPTIFIX
OPTIFIX has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €254,755 and a net result of €249,755.
Its solvency ranks better than 78% of 9,435 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 17-07-2026, 14 days before the deadline€327,451
€325,602
€249,755
€230,599
68.9%
3.47
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €730,000. Estimated: probably between €590,000 and €1.2m.
Balance sheet
balance sheet total €369,503 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
68.9%
Higher than 78% of 9,435 companies in 2025.
3.47
Higher than 79% of 9,183 companies in 2025.
67.6%
Higher than 95% of 9,255 companies in 2025.
OPTIFIX
Middle half of the sector
80% of the sector
Micro accounts in construction of buildings (NACE 41)
Net result: top quarter · Equity: top quarter · Balance sheet total: top quarter · Working capital: top quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
369,503 | |
21/28 |
45,632 | |
22/27 |
45,632 | |
23 |
4,173 | |
24 |
41,458 | |
29/58 |
323,871 | |
29 |
28,000 | |
290 |
28,000 | |
40/41 |
16,424 | |
40 |
8,033 | |
41 |
8,391 | |
50/53 |
9,000 | |
54/58 |
270,095 | |
490/1 |
352 | |
| Balance sheet: equity and liabilities | ||
10/49 |
369,503 | |
10/15 |
254,755 | |
10/11 |
5,000 | |
14 |
249,755 | |
17/49 |
114,748 | |
17 |
21,475 | |
170/4 |
21,475 | |
42/48 |
93,273 | |
42 |
5,727 | |
45 |
75,196 | |
450/3 |
75,196 | |
47/48 |
12,350 | |
| Income statement | ||
76A |
0 | |
9900 |
327,451 | |
60/61 |
17,189 | |
630 |
1,659 | |
640/8 |
189 | |
9901 |
325,602 | |
65/66B |
651 | |
65 |
651 | |
9903 |
324,952 | |
67/77 |
75,196 | |
9904 |
249,755 | |
9905 |
249,755 | |
| Appropriation of the result | ||
9906 |
249,755 | |
| Document | ||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 17-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 17-07-2026 | 2026-00307954 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 327,261 | ||
| 251,414 | ||
| 47,291 | ||
| 230,599 | ||
| 68.9% | ||
| 3.47 | ||
| 0.45 | ||
| 98.0% | ||
| 67.6% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €47,291 |
| €1,659 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on OPTIFIX
Debt's share of the balance-sheet total is 31.1%.
Board & ownership
Board
1 director, since incorporationDirector
appointed by deed of 16-12-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 17-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 16-12-2024
Mandates through the years
1 name, the dashed line is todayNGABONZIZA Thierry
Director
Director
Board
Mandates as a list
- NGABONZIZA Thierry
- Director, appointed by deed of 16-12-2024, still in office
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €2,548 in 2025
- Source
- deed of 16-12-2024
Articles of association
deed of 16-12-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft overdrager en helft koper(s) naar evenredigheid aantal aandelen, nietigheid bij gebrek”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 19:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 16-12-2024 ↗
- NGABONZIZA Thierry 100 shares (100%) · €5,000
Network & group
No group
OPTIFIX has no parent and no holdings in its annual accounts. NGABONZIZA Thierry is the only director. OPTIFIX shares no director with another company.
The LEI register names no parent.
At the same address
Kleinekapellaan 40, 1700 Dilbeek · 1 other company| Bruscia, Cynthia (sole trader)
establishment since 01-01-2013 |
founded in 2013 0501.866.716 |
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 14 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1017319271
2024
IncorporationFounding capital of €5,000, 100 shares · Founder: NGABONZIZA Thierry · Appointment: NGABONZIZA Thierry (director) · published on 16-12-20247 points ▸
- Founder, NGABONZIZA Thierry
- Founding capital, €5,000, 100 shares
- NGABONZIZA Thierry holds 100 shares (100%)
- 100 shares
- Registered office clause, Kleinekapellaan 40, 1700 Dilbeek
- Board rule, 1
- Director appointment, NGABONZIZA Thierry
- The deed holds 6 more points.
First establishment Kleinekapellaan 40, Dilbeek
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1017.319.271
- VAT number
- BE 1017.319.271
- Peppol ID
- 0208:1017319271
- Other Peppol ID
- 9925:BE1017319271
- LEI code
- 875500E6M0Y1MQBGK373 live in the LEI register
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 12-12-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 19:00deed of 16-12-2024 (in Dutch)
- Peppol
- Reachable since 03-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- OPTIFIX in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 16-12-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 16-12-2024 (in Dutch)
Activities
NACEBEL 202541001
General construction of residential buildings main activity
Codes under NACEBEL 2008
41201
General construction of buildings main activity
41102
Construction of residential and non-residential buildings
42220
Construction of utility projects for electricity and telecommunications
46731
Wholesale trade
71121
Engineering activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Alle bouw- en renovatiewerken van openbare en particuliere gebouwen,kunstwerken en wegen; Alle akoestische of thermische…”deed of 16-12-2024 (in Dutch)
9 activities
- Alle bouw- en renovatiewerken van openbare en particuliere gebouwen,kunstwerken en wegen
- Alle akoestische of thermische isolatiewerken,valse plafonds en valse vloeren,al dan niet geprefabriceerd
- Alle werkzaamheden voor de dakbedekking van gebouwen,asfaltdakbedekkingen en dergelijke,waterdichtingswerkzaamheden,niet-metalen en niet-asfasltische dakbedekkingen,metalen dakbedekkingen en verzinken
- Alle algemene timmerwerkzaamheden,metaaltimmerwerk,timmerwerk,parketvloeren en houten trappen
- Alle restauratie- en restauratiewerkzaamheden aan gevels en pleisterwerk
- Alle wand- en vloerbedekkingen,tegels,pleisterwerk,schilderwerk,dekvloeren en industriële vloerbedekkingen
- Alle elektrische installaties,sanitaire installaties,gasverwarmingsinstallaties,centrale verwarming,thermische installaties,ventilatie,heteluchtverwarming en airconditioning
- Alle smeedwerk en constructie van metalen constructies
- Alle civieltechnische werken in het algemeen van welke aard dan ook,en onder andere alle wegenwerken
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Kleinekapellaan 40 registered office 1700 Dilbeek 4321101 General electrical installation work | 12-12-2024 | 2.367.309.546 |
Buildings and parcels at the address
- Ground area
- 253 m²
- Buildings
- 79 m²
- Volume, LiDAR
- 703 m³
- Tallest building
- 11.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23352F0285/00V005 | 253 m² | 1 · 79 m² | 11.9 m · 3 |
Contact
E-mail
optifix.belgium@gmail.com
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1017.319.271