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Complete company report
Generated 19-07-2026
Active BE 0445.210.006Public limited company

OPTIMA

Keizer Karelstraat 75 ·9000 Gent, Belgium· 34 yrs active
Sector: Real estate activities (68310)
Conclusion Checked

The computed 12-month bankruptcy probability of OPTIMA is 0.6% (low). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 34 yrs
Locations 5
Publications 6
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%
Multiple establishment units +Lower-failure-rate sector −Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1991, 34 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Financial overview10 NBB filings
Financials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2013 (ander). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2013 ander 09-07-2014 2014-29200357
31-12-2012 ander 08-07-2013 2013-28500195
30-12-2011 ander 02-07-2012 2012-24600127
31-12-2009 volledig 30-04-2010 2010-10500572
31-12-2008 volledig 15-05-2009 2009-15100182
31-12-2007 volledig 17-07-2008 2008-43200387
31-12-2006 volledig 15-06-2007 2007-23800344
31-12-2005 volledig 07-07-2006 2006-43304079
31-12-2004 volledig 14-07-2005 2005-47404647
31-12-2003 volledig 16-07-2004 2004-46100142
Legal Structure
NACE primary Real estate activities(68310)
Legal form Public limited company(014)
Incorporation27-08-1991
StatusActive
Postal code9000
Establishment units 5 locations
Optima Bank
Keizer Karelstraat 75, 9000 GentOndersteunende activiteiten i.v.m. financiële instellingen, n.e.g.
since 19912.054.634.697
Gebroeders Van Eyckstraat
Gebroeders Van Eyckstraat 14, 9000 Gentfinanciële instellingen, n.e.g.
since 20062.231.640.101
Optima Bank
Drève Richelle 159, 1410 WaterlooFinanciële instellingen, neg
since 20112.208.157.686
Optima Bank
Keizer Karellaan 586, 1082 Sint-Agatha-BerchemFinanciële instellingen, neg
since 20112.208.152.639
Zuiderpoort
Gaston Crommenlaan 12, 9050 GentFinanciële instellingen, neg
since 20122.231.640.990
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 3 (60%) Wallonia 1 (20%) Brussels 1 (20%)
Parcel (capakey) Region Area Buildings Height / fl.
44032A0472/00R003 Flanders 1.9 ha 1 · 8,006 m² -
25763M0621/00F000indicative Wallonia 1.0 ha 1 · 1,772 m² 22.9 m · 6 fl.
21003A0289/00S011 Brussels 3,091 m² 1 · 1,047 m² 49.2 m · 14 fl.
44804D1152/00L005 Flanders 645 m² 1 · 401 m² 20.9 m · 6 fl.
44804D0818/00C000indicative Flanders 67 m² 1 · 61 m² 16.1 m · 4 fl.
Methodology
via registered seat: 1 · via establishment units: 4
3 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 16 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2016
18-05-2016
State Gazette act Director changes
v3.2
2015
03-07-2015
State Gazette act Director changes
v3.2
2014
09-07-2014
NBB filing Annual accounts filed
fiscal year 2013 · ander
2013
08-07-2013
NBB filing Annual accounts filed
fiscal year 2012 · ander
2012
02-07-2012
NBB filing Annual accounts filed
fiscal year 2011 · ander
2011
21-10-2011
State Gazette act Miscellaneous
proposal · em. Prof. Dr. Baron Rik Donckels
04-08-2011
State Gazette act Director changes
v3.2
2010
30-04-2010
NBB filing Annual accounts filed
fiscal year 2009 · volledig
21-04-2010
State Gazette act Minor change
Agm rescheduling · Niek Van der Straeten
01-03-2010
State Gazette act Director changes
v3.2
2009
15-05-2009
NBB filing Annual accounts filed
fiscal year 2008 · volledig
2008
17-07-2008
NBB filing Annual accounts filed
fiscal year 2007 · volledig
2007
15-06-2007
NBB filing Annual accounts filed
fiscal year 2006 · volledig
2006
07-07-2006
NBB filing Annual accounts filed
fiscal year 2005 · volledig
2005
14-07-2005
NBB filing Annual accounts filed
fiscal year 2004 · volledig
2004
16-07-2004
NBB filing Annual accounts filed
fiscal year 2003 · volledig
Belgisch Staatsblad, acts 6 acts
All acts · 6 updated 10 years ago
2016
18-05-2016 10 directors appointed Director changes
  • De Paepe, Jan Antoine André Robert, Executive director
  • Baert, Pieter Jozef Kristiaan, Executive director
  • De Raymaeker, Danny, Executive director
  • Viaene, Jo Rik, Executive director
  • Caluwé, Ludwig Louis Maria, Executive director
  • Petit, Koen Jan Oscar, Executive director
  • Van Damme, Lieven Achiel Gabrielle, Executive director
  • Beyaert, Maarten Aster, Executive director
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "executive director",
      "person": {
        "rrn": null,
        "name": "De Paepe, Jan Antoine Andr\u00E9 Robert",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "executive director",
      "person": {
        "rrn": null,
        "name": "Baert, Pieter Jozef Kristiaan",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "executive director",
      "person": {
        "rrn": null,
        "name": "De Raymaeker, Danny",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "executive director",
      "person": {
        "rrn": null,
        "name": "Viaene, Jo Rik",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "executive director",
      "person": {
        "rrn": null,
        "name": "Caluw\u00E9, Ludwig Louis Maria",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "executive director",
      "person": {
        "rrn": null,
        "name": "Petit, Koen Jan Oscar",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "executive director",
      "person": {
        "rrn": null,
        "name": "Van Damme, Lieven Achiel Gabrielle",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "executive director",
      "person": {
        "rrn": null,
        "name": "Beyaert, Maarten Aster",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "executive director",
      "person": {
        "rrn": null,
        "name": "Ben Lahirech, Meiek",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "executive director",
      "person": {
        "rrn": null,
        "name": "Tavernier, Matthias Maria-Magdalena Jullen",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0445.210.006",
    "name_full": "Optima Bank"
  }
}
2015
03-07-2015 14 directors appointed Director changes
  • De Paepe, Jan Antoine André Robert, Categorie a
  • Baert, Pieter Jozef Kristiaan, Categorie a
  • De Raymaeker, Danny, Categorie a
  • Viaene, Jo Rik, Categorie a
  • Caluwé, Ludwig Louis Maria, Categorie a
  • Petit, Koen Jan Oscar, Categorie a
  • Van Damme, Lieven Achiel Gabrielle, Categorie b
  • Deruyttere, Patrick Oscar Francois Antoine, Categorie b
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "categorie A",
      "person": {
        "rrn": null,
        "name": "De Paepe, Jan Antoine Andr\u00E9 Robert",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "categorie A",
      "person": {
        "rrn": null,
        "name": "Baert, Pieter Jozef Kristiaan",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "categorie A",
      "person": {
        "rrn": null,
        "name": "De Raymaeker, Danny",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "categorie A",
      "person": {
        "rrn": null,
        "name": "Viaene, Jo Rik",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "categorie A",
      "person": {
        "rrn": null,
        "name": "Caluw\u00E9, Ludwig Louis Maria",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "categorie A",
      "person": {
        "rrn": null,
        "name": "Petit, Koen Jan Oscar",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "categorie B",
      "person": {
        "rrn": null,
        "name": "Van Damme, Lieven Achiel Gabrielle",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "categorie B",
      "person": {
        "rrn": null,
        "name": "Deruyttere, Patrick Oscar Francois Antoine",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "categorie C",
      "person": {
        "rrn": null,
        "name": "Vermassen, Christophe Marcel Georges",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "categorie C",
      "person": {
        "rrn": null,
        "name": "Janssens, Guido Jozef Antoinetta",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "categorie C",
      "person": {
        "rrn": null,
        "name": "Kuijpers, Erik Jan Paul",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "categorie D",
      "person": {
        "rrn": null,
        "name": "Mollekens, Maaike Veerle Marc",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "categorie E",
      "person": {
        "rrn": null,
        "name": "Remmele, Ben Maria Reinhold",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "categorie E",
      "person": {
        "rrn": null,
        "name": "Ruymbeke, Karen Remi Lucienne",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0445.210.006",
    "name_full": "Optima Bank"
  }
}
2011
21-10-2011 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous·em. Prof. Dr. Baron Rik Donckels
Summary: proposalNotary: em. Prof. Dr. Baron Rik Donckels · Luik
Technical details 
{
  "stage": "proposal",
  "notary": {
    "name": "em. Prof. Dr. Baron Rik Donckels",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Luik",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": null,
    "act_kind_objet": "PARTI\u00CBLE SPLITSING - NEERLEGGING SPLITSINGSVOORSTEL"
  },
  "decision": {
    "body": "raad_van_bestuur",
    "act_date": "2023-10-11",
    "unanimous": null
  },
  "conversion": null,
  "detected_kind": "demerger_partial",
  "report_waiver": null,
  "restructuring": {
    "parties": [
      {
        "kbo": "0445.210.006",
        "name": "OPTIMA FINANCIAL PLANNERS NV",
        "role": "demerged",
        "address": "9000 Gent, Keizer Karelstraat 75",
        "is_foreign": false,
        "legal_form": "NV",
        "is_new_company": false,
        "jurisdiction_country": "BE"
      },
      {
        "kbo": "0420.713.348",
        "name": "KIMO INVEST NV",
        "role": "acquiring",
        "address": "9000 Gent, Keizer Karelstraat 75",
        "is_foreign": false,
        "legal_form": "NV",
        "is_new_company": false,
        "jurisdiction_country": "BE"
      }
    ],
    "exchange_ratio": null,
    "legal_articles": [
      "728",
      "677",
      "673"
    ],
    "is_cross_border": false,
    "is_silent_merger": false,
    "balance_basis_date": null,
    "exchange_ratio_text": null,
    "new_shares_issued_n": null,
    "real_estate_included": false,
    "patrimony_description": "Een deel van het vermogen van de NV Optima Financial Planners wordt afgesplitst naar de overnemende vennootschap Kimo Invest NV. De overdracht betreft een deel van de activa, inclusief een bedrijfstak en specifieke immateri\u00EBle goederen, zonder dat de oorspronkelijke vennootschap wordt ontbonden.",
    "equity_transferred_eur": null,
    "accounting_effective_date": null
  },
  "subject_company": {
    "kbo": "0445.210.006",
    "name_full": "OPTIMA FINANCIAL PLANNERS",
    "legal_form": "NV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": "0445.210.006",
    "org_name": "Bvba Luc Van Den Bossche Management",
    "person_name": null,
    "org_rep_person_name": "Luc Van Den Bossche"
  },
  "summary_narrative": "De NV Optima Financial Planners (KBO 0445210006) heeft een splitsingsvoorstel neergelegd in toepassing van artikel 728 WVV, waarbij een deel van haar vermogen wordt afgesplitst naar de NV Kimo Invest (KBO 0420713348). De operatie is gebaseerd op een verrichting gelijkgesteld met een splitsing door overneming, waarbij de oorspronkelijke vennootschap blijft bestaan. Het voorstel is goedgekeurd door het bestuur en is gepubliceerd in het Belgisch Staatsblad.",
  "co_filed_documents": [],
  "detected_real_type": "demerger_proposal",
  "referenced_correction": null,
  "should_reroute_to_category": null
}
04-08-2011 10 directors appointed Director changes
  • PIQUEUR Jeroen, Gedelegeerd bestuurder
  • VINCENT Frank, Bestuurder
  • VIAENE Jo, Bestuurder
  • DE PAEPE Jan, Bestuurder
  • NV RUBICON, Bestuurder
  • BVBA LUC VAN DEN BOSSCHE MANAGEMENT, Bestuurder
  • VAN DEN BOSSCHE Luc, Vertegenwoordiger
  • DE HULSTERS Philip, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "gedelegeerd bestuurder",
      "person": {
        "rrn": null,
        "name": "PIQUEUR Jeroen",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "VINCENT Frank",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "VIAENE Jo",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "DE PAEPE Jan",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "NV RUBICON",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "BVBA LUC VAN DEN BOSSCHE MANAGEMENT",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "vertegenwoordiger",
      "person": {
        "rrn": null,
        "name": "VAN DEN BOSSCHE Luc",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "DE HULSTERS Philip",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "voorzitter van de Raad van Bestuur",
      "person": {
        "rrn": null,
        "name": "BVBA LUC VAN DEN BOSSCHE MANAGEMENT",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "gedelegeerd bestuurder",
      "person": {
        "rrn": null,
        "name": "PIQUEUR Jeroen",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0445.210.006",
    "name_full": "Optima Financial Planners"
  }
}
2010
21-04-2010 Publication in the Belgian Official Gazette, Minor change Minor change·Niek Van der Straeten
Summary: Agm reschedulingNotary: Niek Van der Straeten · DestelbergenFirm: P. Moulin & N. Van der Straeten, geassocieerde notarissen
Technical details 
{
  "notary": {
    "name": "Niek Van der Straeten",
    "firm_city": null,
    "firm_name": "P. Moulin \u0026 N. Van der Straeten, geassocieerde notarissen",
    "office_city": "Destelbergen",
    "is_associated": true
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2010-04-21",
    "filing_date": "2010-04-09",
    "act_kind_objet": "verbatim"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2010-04-02",
    "unanimous": true
  },
  "agm_change": {
    "new_schedule": "tweede vrijdag van maart om 10u",
    "old_schedule": "tweede vrijdag van maart om 10u",
    "effective_from_year": 2010,
    "rule_changes_summary": "De datum van de jaarvergadering is gewijzigd naar de tweede vrijdag van maart om 10 uur. De wijziging is ingevoerd via een statutenwijziging."
  },
  "detected_kind": "agm_rescheduling",
  "other_address": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0445.210.006",
    "name_full": "Optima Financial Planners",
    "legal_form": "NV"
  },
  "accounts_deposit": null,
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null
  },
  "co_filed_documents": [
    "expeditie proces-verbaal",
    "co\u00F6rdinatie der statuten"
  ],
  "fiscal_year_change": null,
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "is_volet_a_only_stub": false,
  "vakbekwaamheid_change": null,
  "should_reroute_to_category": null,
  "single_shareholder_declaration": null
}
01-03-2010 2 directors appointed Director changes
  • Philip Oe Hulsters, Bestuurder
  • Jeroen Piqueur, Gedelegeerd bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Philip Oe Hulsters",
        "address": null,
        "birth_date": null
      }
    },
    {
      "kind": "director_in",
      "role": "Gedelegeerd Bestuurder",
      "person": {
        "rrn": null,
        "name": "Jeroen Piqueur",
        "address": null,
        "birth_date": null
      }
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "extractor": "qwen3-30b-a3b"
  },
  "subject_company": {
    "kbo": "0445.210.006",
    "name_full": "Optima Financial Planners",
    "_kbo_extracted_mismatch": "0445.210.009"
  }
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Bemiddeling in verband met exploitatie van en handel in onroerend goed68310Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis68311Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed70311Overige ondersteunende activiteiten in verband met financiële diensten, exclusief verzekeringen en pensioenfondsen, n.e.g.66199Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199Verzekeringsagenten en -makelaars66220Activiteiten van verzekeringsagenten en -makelaars66220Verzekeringsmakelaars en -agenten67201Secretariaten74851Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Fotokopiëren, documentvoorbereiding en andere gespecialiseerde ondersteunende activiteiten ten behoeve van kantoren82190
Primary activity highlighted.
Names & trade names
Legal nameNL OPTIMA
Registered office
Keizer Karelstraat 75
9000 Gent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative