OPTIMA
ActiveSummary
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
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 2024Solvency, 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 dateAge against the risk zone
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 2024Equity 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 filingsDeviation 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)
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
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
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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| 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% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| 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 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| 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.
More with these figures Sector benchmark What changed Value indication
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
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
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 siteElsene2.151.805.636
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Of 10,506 companies in sector 47110 we hold annual accounts for 5,848. 4,575 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.