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OPTIMA

Active
Coöperatieve vennootschap met beperkte aansprakelijkheidfounded 199135 yrs activeWaverse Steenweg 89, 1050 Elsene, BelgiumKBO/BCE: BE 0444.611.277
Summary

OPTIMA has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-33k) and a net result of €-76k. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 19% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).

Checked score

Score 2024
Axes · tick = 2023
Profitability0▼-90
Solvency15▼-27
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.93 against 1.26 in 2023; short-term debt: 107.4% and cash: 1.3% of total assets), and equity is negative.
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Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
-10.3%
Return on assets
-23.5%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 35 years 0 40 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024
Equity per financial year
18192021222324
2018 to 2024 · latest year €-33k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-01-2026, 159 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
159 d late
2023
523 d late
2022
658 d late
2021
53 d late
2020
276 d late
2019
91 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 10 July 1991, OPTIMA was incorporated.1 Total assets went from EUR 14,042 in 2018 to EUR 321,405 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, micro schema

Turnover
€304k
EBIT margin
2.2%
Net result
€-76k
2023 · €41k
Working capital
€-24k
2023 · €51k
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
Line20202021202220232024
Turnover€304k
Operating result€11k▲ 125%€2k▼ 83.2%€7k▲ 268%€45k▲ 571%€-75k
Net result€10k▲ 116%€2k▼ 84.1%€3k▲ 106%€41k▲ 1,143%€-76k
EBIT margin2.2%
Equity€-4k▲ 72.6%€-2k▲ 42.3%€1k€42k▲ 3,691%€-33k
Total assets€40k▼ 18.3%€46k▲ 14.9%€98k▲ 114%€245k▲ 151%€321k▲ 31.2%
Debt€44k▼ 30.4%€48k▲ 9.9%€97k▲ 102%€203k▲ 110%€355k▲ 75.1%
Working capital€-12k▲ 26.1%€-9k▲ 23.2%€-3k▲ 61.7%€51k€-24k
Result per fiscal year
Operating resultNet result
€-100k€-50k€0€50kOperating result 2020: €11k€11kNet result 2020: €10k€10kOperating result 2021: €2k€2kNet result 2021: €2k€2kOperating result 2022: €7k€7kNet result 2022: €3k€3kOperating result 2023: €45k€45kNet result 2023: €41k€41kOperating result 2024: €-75k€-75kNet result 2024: €-76k€-76k20202021202220232024€-100k€-50k€0€50kOperating result 2022: €7k€6.8kNet result 2022: €3k€3.3kOperating result 2023: €45k€45kNet result 2023: €41k€41kOperating result 2024: €-75k€-75kNet result 2024: €-76k€-76k202220232024
The operating result turns negative in 2024: a loss of €75k after €45k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €321k
Fixed assets €738 ▼ 37.2%
Current assets €321k ▲ 31.5%
Key figures and ratios
2024 value · change against 2023
EBITDA
€-74k▼
2023 · €50k
Cash flow
€-75k▼
2023 · €46k
Solvency
-10.3%▼
2023 · 17.3%
Current ratio
0.93▼
2023 · 1.26
Quick ratio
0.92▼
2023 · 1.24
Debt to equity
-10.68▼
2023 · 4.77
ROA
-23.5%▼
2023 · 16.9%
Interest coverage
-79.10▼
2023 · 12.38
Debt ≤ 1 year
€345k▲
2023 · €193k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 35 lines
Balance sheet Code20232024
Assets
Total assets20/58€245k€321k▲
Fixed assets21/28€1k€738▼
Tangible fixed assets22/27€1k€562▼
Plant, machinery and equipment23€1k€562▼
Financial fixed assets28€176€176=
Current assets29/58€244k€321k▲
Stocks and contracts in progress3€5k€5k▼
Stocks30/36€5k€5k▼
Amounts receivable within one year40/41€180k€312k▲
Trade receivables40€179k€304k▲
Other amounts receivable41€927€8k▲
Cash at bank and in hand54/58€59k€4k▼
Equity and liabilities
Total equity and liabilities10/49€245k€321k▲
Equity10/15€42k€-33k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€24k€-52k▼
Amounts payable17/49€203k€355k▲
Amounts payable within one year42/48€193k€345k▲
Trade debts44€180k€270k▲
Suppliers440/4€180k€270k▲
Taxes, remuneration and social security45€3k€17k▲
Taxes450/3€3k€17k▲
Other amounts payable47/48€10k€58k▲
Accrued charges and deferred income492/3€9k€9k=
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€438▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€52k€-72k▼
Operating profit (loss)9901€45k€-75k▼
Financial charges65/66B€4k€939▼
Recurring financial charges65€4k€939▼
Profit (loss) for the period before taxes9903€41k€-76k▼
Profit (loss) for the period9904€41k€-76k▼
Profit (loss) for the period to be appropriated9905€41k€-76k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€-52k▼
Profit (loss) brought forward from the previous period14P€-17k€24k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Turnover70--€304k---
Goods, raw materials, services and sundry goods60/61--€295k---
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k€2k€5k€438▼ 90.7%
Other operating charges640/8€857€1k€531€2k€2k▲ 15.4%
Non-recurring operating charges66A€300€167----
Gross operating margin9900€13k€5k€9k€52k€-72k▼ 238%
Operating profit (loss)9901€11k€2k€7k€45k€-75k▼ 265%
Financial charges65/66B€270€220€366€4k€939▼ 76.8%
Recurring financial charges65€270€220€366€4k€939▼ 76.8%
Profit (loss) for the period before taxes9903€11k€2k€6k€41k€-76k▼ 283%
Income taxes67/77€520-€3k---
Profit (loss) for the period9904€10k€2k€3k€41k€-76k▼ 283%
Profit (loss) for the period to be appropriated9905€10k€2k€3k€41k€-76k▼ 283%
Line20202021202220232024Change
Assets
Total assets20/58€40k€46k€98k€245k€321k▲ 31.2%
Fixed assets21/28€8k€7k€5k€1k€738▼ 37.2%
Tangible fixed assets22/27€8k€7k€4k€1k€562▼ 43.8%
Plant, machinery and equipment23€7k€7k€4k€1k€562▼ 43.8%
Furniture and vehicles24€190-----
Financial fixed assets28€176€176€176€176€176=
Current assets29/58€32k€39k€93k€244k€321k▲ 31.5%
Stocks and contracts in progress3€5k€18k€6k€5k€5k▼ 9.6%
Stocks30/36€5k€18k€6k€5k€5k▼ 9.6%
Amounts receivable within one year40/41€24k€19k€85k€180k€312k▲ 73.6%
Trade receivables40€24k€19k€85k€179k€304k▲ 69.9%
Other amounts receivable41--€240€927€8k▲ 797%
Cash at bank and in hand54/58€4k€2k€2k€59k€4k▼ 93.0%
Equity and liabilities
Total equity and liabilities10/49€40k€46k€98k€245k€321k▲ 31.2%
Equity10/15€-4k€-2k€1k€42k€-33k▼ 178%
Contributions10/11€19k€19k€19k€19k€19k=
Profit (loss) carried forward14€-22k€-21k€-17k€24k€-52k▼ 317%
Amounts payable17/49€44k€48k€97k€203k€355k▲ 75.1%
Amounts payable within one year42/48€44k€48k€97k€193k€345k▲ 78.7%
Trade debts44€2k€14k€11k€180k€270k▲ 50.1%
Suppliers440/4€2k€14k€11k€180k€270k▲ 50.1%
Advances received on contracts in progress46€13k-€53k---
Taxes, remuneration and social security45€1k€522€2k€3k€17k▲ 543%
Taxes450/3€1k€132-€3k€17k▲ 543%
Remuneration and social security454/9-€390€2k---
Other amounts payable47/48€27k€33k€30k€10k€58k▲ 455%
Accrued charges and deferred income492/3---€9k€9k=
Line20202021202220232024Change
Profit (loss) for the period9904€10k€2k€3k€41k€-76k▼ 283%
+ Depreciation and write-downs630€1k€2k€2k€5k€438▼ 90.7%
Operating cash flow (approximation)€11k€4k€6k€46k€-75k▼ 263%
Investment in fixed assets (approximation)-€-1k€0€-1k€0▲ 100%
Change in cash-€-2k€193€57k€-55k▼ 197%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
06-01
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 159 days late
05-01
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 523 days late
2025
19-05
NBB filing Annual accounts filed
fiscal year 2022 · full schema · 658 days late
2024
31-12
Financial Weakest financial yearnet €-76k
Net result drops to €-76k, the lowest in the series.
2023
31-12
Financial Highest result since 2018net €41k ▲1,143%
Operating result €45k, net result €41k, both a record.
2022
22-09
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 53 days late
03-05
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 276 days late
2020
30-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial Back to profitnet €5k
Net result €5k after one loss-making year.
28-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2017
27-07
NBB filing Annual accounts filed
fiscal year 2016 · micro schema
2016
31-08
NBB filing Annual accounts filed
fiscal year 2015 · full schema · 31 days late
22-06
NBB filing Annual accounts filed
fiscal year 2014 · full schema · 327 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts

We know of 5 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
5 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, Elsene · 1 establishment unit since 2006
seat establishment The establishment unit on the map
Ground area
190 m²
Building footprint
140 m²
Volume, LiDAR
1,331 m³
Parcel 21009A0901/00B002, Brussels · tallest building 16.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ZAMDO YA MATONGE
Waverse Steenweg 89, 1050 ElseneNACE 52112
since 20062.151.805.636
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21009A0901/00B002 Brussels 190 m² 1 · 139 m² 16.8 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Elsene2.151.805.636
1 permission
Toelating · Detailhandel met verwerking · since 21-10-2020

Similar companies · same sector, comparable size

Of 10,506 companies in sector 47110 we hold annual accounts for 5,849. 4,576 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded10-07-1991
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating

Scores and ratios are computed by Checked and are not a credit decision.