OPTIMA-COOL
ActiveSummary
OPTIMA-COOL has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €662k and a net result of €630k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 23% of 2056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability95▲+4
Solvency47=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.25 in 2024; short-term debt: 71.8% and cash: 28.4% of total assets), and 77.6% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
22.4%
Return on assets
21.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 2056 sector peers (2025).
NBB · sector comparisonPosition among 2056 sector peers
Solvency
better than 23%
← weakest
strongest →
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
on the day
2023
9 d early
2022
35 d early
2021
6 d early
2020
11 d late
2019
60 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Hiring this company for building work? Recognition, activities and what to check first.Contractor check Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Financials · fiscal year 2025, full schema
In the rankings
#10 employer in Aalter, Construction sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€630k▲ 22.4%
2024 · €515k
Working capital
€591k▲ 13.1%
2024 · €523k
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
Line20212022202320242025
Operating result€584k▲ 17.4%€704k▲ 20.5%€949k▲ 34.8%€723k▼ 23.7%€861k▲ 19.0%
Net result€435k▲ 13.2%€517k▲ 19.0%€700k▲ 35.3%€515k▼ 26.5%€630k▲ 22.4%
Equity€906k▲ 92.1%€472k▼ 47.9%€632k▲ 33.8%€632k=€662k▲ 4.7%
Total assets€2.05M▲ 10.2%€2.41M▲ 17.5%€3.14M▲ 29.9%€2.92M▼ 6.8%€2.95M▲ 1.0%
Debt€1.07M▼ 17.8%€1.83M▲ 70.1%€2.41M▲ 32.0%€2.18M▼ 9.6%€2.19M▲ 0.3%
Working capital€873k▲ 102%€425k▼ 51.3%€432k▲ 1.6%€523k▲ 21.0%€591k▲ 13.1%
Staff (FTE)16.2▼ 5.3%21▲ 29.6%23.4▲ 11.4%24.8▲ 6.0%24.7▼ 0.4%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 19% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.95M
Fixed assets
€242k ▼ 30.4%
Current assets
€2.71M ▲ 5.2%
Equity and liabilities €2.95M
Equity
€662k ▲ 4.7%
Provisions
€102k ▼ 7.3%
Debt
€2.19M ▲ 0.3%
Debt's share of the balance-sheet total falls from 74.6% to 74.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.01M▲
2024 · €880k
Cash flow
€776k▲
2024 · €671k
Current ratio
1.28▲
2024 · 1.25
Quick ratio
1.05▲
2024 · 1.00
Debt to equity
3.31▼
2024 · 3.45
ROE
95.2%▲
2024 · 81.5%
ROA
21.3%▲
2024 · 17.6%
Interest coverage
112.33▲
2024 · 69.25
Debt ≤ 1 year
€2.12M▲
2024 · €2.05M
Debt > 1 year
€35k▼
2024 · €95k
Income taxes
€226k▲
2024 · €201k
Staff costs
€1.86M▲
2024 · €1.79M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4k | - | - | €5k | - | - |
| Remuneration, social security and pensions62 | €1.04M | €1.37M | €1.65M | €1.79M | €1.86M | ▲ 3.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €66k | €66k | €109k | €156k | €146k | ▼ 6.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €6k | €3k | €3k | €7k | €-2k | ▼ 130% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €-11k | €41k | €-22k | €17k | €-8k | ▼ 147% |
| Other operating charges640/8 | €8k | €8k | €8k | €8k | €9k | ▲ 8.6% |
| Non-recurring operating charges66A | - | - | - | €823 | - | - |
| Gross operating margin9900 | €1.69M | €2.19M | €2.70M | €2.70M | €2.86M | ▲ 5.9% |
| Operating profit (loss)9901 | €584k | €704k | €949k | €723k | €861k | ▲ 19.0% |
| Financial income75/76B | €18k | €4k | €2k | €5k | €4k | ▼ 21.8% |
| Recurring financial income75 | €18k | €4k | €2k | €5k | €4k | ▼ 19.8% |
| Non-recurring financial income76B | - | - | - | €128 | - | - |
| Financial charges65/66B | €6k | €6k | €14k | €13k | €9k | ▼ 29.4% |
| Recurring financial charges65 | €4k | €6k | €14k | €13k | €9k | ▼ 29.4% |
| Non-recurring financial charges66B | €2k | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €595k | €702k | €937k | €716k | €856k | ▲ 19.6% |
| Income taxes67/77 | €161k | €185k | €237k | €201k | €226k | ▲ 12.4% |
| Profit (loss) for the period9904 | €435k | €517k | €700k | €515k | €630k | ▲ 22.4% |
| Profit (loss) for the period to be appropriated9905 | €435k | €517k | €700k | €515k | €630k | ▲ 22.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.05M | €2.41M | €3.14M | €2.92M | €2.95M | ▲ 1.0% |
| Fixed assets21/28 | €150k | €221k | €481k | €347k | €242k | ▼ 30.4% |
| Intangible fixed assets21 | €35k | €59k | €128k | €111k | €75k | ▼ 32.3% |
| Tangible fixed assets22/27 | €115k | €143k | €327k | €236k | €166k | ▼ 29.5% |
| Plant, machinery and equipment23 | €17k | €23k | €13k | €8k | €33k | ▲ 294% |
| Furniture and vehicles24 | €88k | €98k | €92k | €63k | €25k | ▼ 60.0% |
| Leasing and similar rights25 | - | - | €196k | €142k | €89k | ▼ 37.7% |
| Other tangible fixed assets26 | €10k | €22k | €26k | €23k | €19k | ▼ 13.7% |
| Financial fixed assets28 | €182 | €19k | €26k | €182 | €182 | = |
| Current assets29/58 | €1.90M | €2.19M | €2.66M | €2.58M | €2.71M | ▲ 5.2% |
| Stocks and contracts in progress3 | €383k | €426k | €471k | €515k | €490k | ▼ 4.9% |
| Stocks30/36 | €383k | €426k | €471k | €515k | €490k | ▼ 4.9% |
| Amounts receivable within one year40/41 | €776k | €995k | €1.30M | €1.19M | €1.37M | ▲ 15.3% |
| Trade receivables40 | €774k | €995k | €1.25M | €1.12M | €1.29M | ▲ 15.7% |
| Other amounts receivable41 | €2k | - | €52k | €67k | €72k | ▲ 7.7% |
| Cash at bank and in hand54/58 | €741k | €769k | €873k | €866k | €838k | ▼ 3.3% |
| Deferred charges and accrued income490/1 | €4k | €4k | €10k | €9k | €16k | ▲ 81.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.05M | €2.41M | €3.14M | €2.92M | €2.95M | ▲ 1.0% |
| Equity10/15 | €906k | €472k | €632k | €632k | €662k | ▲ 4.7% |
| Contributions10/11 | €77k | €77k | €77k | €77k | €77k | = |
| Capital10 | €77k | €77k | €77k | €77k | €77k | = |
| Issued capital100 | €77k | €77k | €77k | €77k | €77k | = |
| Reserves13 | €830k | €395k | €555k | €555k | €585k | ▲ 5.4% |
| Non-distributable reserves130/1 | €8k | €8k | €8k | €8k | €8k | = |
| Legal reserve130 | €8k | €8k | €8k | €8k | €8k | = |
| Tax-exempt reserves132 | €56k | €56k | €56k | €56k | €56k | = |
| Distributable reserves133 | €766k | €331k | €491k | €491k | €521k | ▲ 6.1% |
| Provisions and deferred taxes16 | €73k | €115k | €93k | €110k | €102k | ▼ 7.3% |
| Provisions for liabilities and charges160/5 | €73k | €115k | €93k | €110k | €102k | ▼ 7.3% |
| Other liabilities and charges164/5 | €73k | €115k | €93k | €110k | €102k | ▼ 7.3% |
| Amounts payable17/49 | €1.07M | €1.83M | €2.41M | €2.18M | €2.19M | ▲ 0.3% |
| Amounts payable after more than one year17 | €34k | €42k | €160k | €95k | €35k | ▼ 62.9% |
| Financial debts170/4 | €34k | €42k | €160k | €95k | €35k | ▼ 62.9% |
| Amounts payable within one year42/48 | €1.03M | €1.77M | €2.22M | €2.05M | €2.12M | ▲ 3.2% |
| Current portion of amounts payable after more than one year42 | €30k | €29k | €77k | €65k | €60k | ▼ 6.5% |
| Trade debts44 | €669k | €719k | €1.32M | €1.21M | €1.14M | ▼ 6.3% |
| Suppliers440/4 | €669k | €719k | €1.32M | €1.21M | €1.14M | ▼ 6.3% |
| Advances received on contracts in progress46 | €38k | €152k | €48k | €79k | €80k | ▲ 0.9% |
| Taxes, remuneration and social security45 | €153k | €245k | €245k | €180k | €242k | ▲ 34.8% |
| Taxes450/3 | €46k | €67k | €87k | €3k | €50k | ▲ 1,749% |
| Remuneration and social security454/9 | €108k | €178k | €157k | €177k | €192k | ▲ 8.4% |
| Other amounts payable47/48 | €141k | €624k | €540k | €516k | €600k | ▲ 16.3% |
| Accrued charges and deferred income492/3 | €9k | €18k | €28k | €33k | €34k | ▲ 3.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €435k | €517k | €700k | €515k | €630k | ▲ 22.4% |
| + Depreciation and write-downs630 | €66k | €66k | €109k | €156k | €146k | ▼ 6.7% |
| Operating cash flow (approximation) | €500k | €583k | €808k | €671k | €776k | ▲ 15.6% |
| Investment in fixed assets (approximation) | - | €-137k | €-368k | €-23k | €-40k | ▼ 74.8% |
| Change in cash | - | €28k | €104k | €-7k | €-28k | ▼ 312% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €700k ▲35.3%
Operating result €949k, net result €700k, both a record.
31-12
Financial
Equity above €500kEq €632k ▲33.8%
6 profitable years in a row build equity to €632k.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €906k ▲92.1%
4 profitable years in a row build equity to €906k.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 11 days late
2020
31-12
Financial
Weakest financial yearnet €384k ▼4.5%
Net result drops to €384k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 60 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-07
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.
0 of 10 acts read
About the unread acts
We know of 10 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
10 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, Aalter · 1 establishment unit since 1983
Ground area
2,208 m²
Building footprint
1,941 m²
Volume, LiDAR
8,815 m³
Parcel 44001B0097/00L000, Flanders · tallest building 6.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OPTIMA-COOL NV
since 19832.035.173.826
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44001B0097/00L000 | Flanders | 2,208 m² | 1 · 1,941 m² | 6.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 3,103 EUR awarded · 3,103 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 491 EUR | 491 EUR |
| 2024 | 1 | 1,609 EUR | 1,609 EUR |
| 2023 | 1 | 350 EUR | 350 EUR |
| 2022 | 1 | 653 EUR | 653 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
4 categoriesOPTIMA-COOL NV26177
Similar companies · same sector, comparable size
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WACHTELAER
BE 0464.608.125
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DANIO EN PARTNERS
BE 0415.457.631
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VAN HEMELEN
BE 0445.901.080
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THIENPONDT DIEDRICH
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Aalter · Eq €659k
Of 9,534 companies in sector 43222 we hold annual accounts for 5,666. 3,675 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded19-01-1983
Fiscal year end31-12
Activities, NACEBEL 2025
28250Manufacture of machinery and equipment not elsewhere classified
43222Installation of electric heating, air conditioning, cooling and ventilation
47540Retail sale of electrical household appliances
95210Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Scores and ratios are computed by Checked and are not a credit decision.