Optima Consulting
ActiveOptima Consulting has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €5k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 31% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-13
Solvency56▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.04 against 1.71 in 2024; short-term debt: 44.9% and cash: 87.9% of total assets), but 68.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
6.5%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
30 d early
2023
39 d early
2022
41 d early
2021
6 d late
2020
36 d early
2019
43 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€24k▲ 26.3%
2024 · €19k
2018: €8k
2019: €8k
2020: €16k
2021: €12k
2022: €10k
2023: €8k
2024: €19k
2018 → 2025
Total assets
€78k▲ 19.1%
2024 · €66k
2018: €47k
2019: €55k
2020: €55k
2021: €55k
2022: €55k
2023: €56k
2024: €66k
2018 → 2025
Net result
€5k▼ 54.2%
2024 · €11k
2018: €582
2019: €370
2020: €3k
2021: €-5k
2022: €-1k
2023: €-2k
2024: €11k
2018 → 2025
Working capital
€36k▲ 43.6%
2024 · €25k
2018: €-4k
2019: €-3k
2020: €3k
2021: €6k
2022: €22k
2023: €18k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€10k▼ 11.0%€8k▼ 21.1%€19k▲ 135%€24k▲ 26.3%
Operating result€-4k-€2k€635▼ 58.7%€17k▲ 2,564%€9k▼ 49.6%
Net result€-5k-€-1k▲ 73.2%€-2k▼ 71.7%€11k€5k▼ 54.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€7k▲ 42.0%
Current assets
€71k▲ 17.3%
Equity and liabilities €78k
Equity
€24k▲ 26.3%
Debt
€54k▲ 16.1%
The debt ratio falls from 70.6% to 68.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€9k▼
2024 · €19k
Cash flow
€6k▼
2024 · €13k
Solvency
31.2%▲
2024 · 29.4%
Current ratio
2.04▲
2024 · 1.71
Quick ratio
2.04▲
2024 · 1.71
Debt / equity
2.20▼
2024 · 2.40
ROE
20.8%▼
2024 · 57.5%
ROA
6.5%▼
2024 · 16.9%
Interest coverage
8.24▼
2024 · 44.07
Debt
€54k▲
2024 · €46k
Debt ≤ 1 year
€35k▼
2024 · €36k
Income taxes
€3k▼
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€66k€78k▲
Fixed assets21/28€5k€7k▲
Tangible fixed assets22/27€5k€7k▲
Plant, machinery and equipment23€14€3k▲
Furniture and vehicles24€5k€4k▼
Current assets29/58€61k€71k▲
Amounts receivable within one year40/41€6k€2k▼
Trade receivables40€483€2k▲
Other amounts receivable41€5k€3▼
Current investments50/53€5k-
Cash at bank and in hand54/58€49k€69k▲
Deferred charges and accrued income490/1€2k€492▼
Equity and liabilities
Total equity and liabilities10/49€66k€78k▲
Equity10/15€19k€24k▲
Contributions10/11€12k€12k=
Outside capital11€12k-
Share premium1100/10€12k-
Reserves13€1k€1k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Profit (loss) carried forward14€6k€11k▲
Amounts payable17/49€46k€54k▲
Amounts payable within one year42/48€36k€35k▼
Current portion of amounts payable after more than one year42€56-
Trade debts44€3k€12k▲
Suppliers440/4€3k€12k▲
Taxes, remuneration and social security45€24k€16k▼
Taxes450/3€12k€9k▼
Remuneration and social security454/9€12k€7k▼
Other amounts payable47/48€9k€7k▼
Accrued charges and deferred income492/3€11k€19k▲
Income statement
Code20242025
Non-recurring operating income76A-€12k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€561▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€20k€10k▼
Operating profit (loss)9901€17k€9k▼
Financial income75/76B€105€562▲
Recurring financial income75€105€562▲
Financial charges65/66B€425€1k▲
Recurring financial charges65€425€1k▲
Profit (loss) for the period before taxes9903€17k€8k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€11k€5k▼
Profit (loss) for the period to be appropriated9905€11k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€11k▲
Profit (loss) brought forward from the previous period14P€-5k€6k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €11k
Net result €11k after 3 loss-making years.
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 6 days late
2021
30-09
Financial
Weakest financial yearnet €-5k ▼288%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
25-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
10-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 1 establishment unit since 2014
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Desguinlei 90/4C2018 AntwerpenGround area
7,753 m²
Building footprint
1,699 m²
Volume, LiDAR
81,020 m³
Parcel 11810K2181/00G002, Flanders · tallest building 49.6 m, ±16 floors. Linked by address, not a title deed.
1 establishment unit
Optima Consulting
since 20142.236.700.234
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K2181/00G002 | Flanders | 7,753 m² | 1 · 1,699 m² | 49.6 m · 16 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 82,546 companies in sector 70200 we hold annual accounts for 52,574. 32,658 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2014
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.