OPTIMA FACTO
ActiveOPTIMA FACTO has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €58k and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 42% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-30
Solvency71▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.96 against 0.8 in 2024; short-term debt: 26.6% and cash: 4.6% of total assets), and 54.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
45.7%
Return on assets
1.4%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €58k
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 27-01-2026, 93 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
93 d early
2024
104 d early
2023
92 d early
2022
81 d early
2021
93 d early
2020
101 d early
2019
92 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
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▲ 3.1%
2024 · €56k
2018: €22k
2019: €13k
2020: €10k
2021: €3k
2022: €-3k
2023: €22k
2024: €56k
2018 → 2025
Total assets
€126k▼ 7.0%
2024 · €136k
2018: €212k
2019: €167k
2020: €140k
2021: €125k
2022: €119k
2023: €162k
2024: €136k
2018 → 2025
Net result
€2k▼ 96.0%
2024 · €44k
2018: €915
2019: €-8k
2020: €-3k
2021: €-8k
2022: €-6k
2023: €25k
2024: €44k
2018 → 2025
Working capital
€-1k▲ 78.2%
2024 · €-6k
2018: €14k
2019: €2k
2020: €-135
2021: €-8k
2022: €-23k
2023: €-22k
2024: €-6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€-3k€22k€56k▲ 153%€58k▲ 3.1%
Operating result€-5k-€-2k▲ 64.5%€30k€65k▲ 119%€7k▼ 89.8%
Net result€-8k-€-6k▲ 26.2%€25k€44k▲ 76.1%€2k▼ 96.0%
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 90% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €126k
Fixed assets
€94k▼ 16.4%
Current assets
€32k▲ 38.2%
Equity and liabilities €126k
Equity
€58k▲ 3.1%
Debt
€69k▼ 14.1%
The debt ratio falls from 58.8% to 54.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25k▼
2024 · €81k
Cash flow
€20k▼
2024 · €60k
Solvency
45.7%▲
2024 · 41.2%
Current ratio
0.96▲
2024 · 0.80
Quick ratio
0.96▲
2024 · 0.80
Debt / equity
1.19▼
2024 · 1.43
ROE
3.0%▼
2024 · 78.3%
ROA
1.4%▼
2024 · 32.2%
Interest coverage
10.52▼
2024 · 21.64
Debt
€69k▼
2024 · €80k
Debt ≤ 1 year
€34k▲
2024 · €29k
Debt > 1 year
€35k▼
2024 · €51k
Income taxes
€2k▼
2024 · €17k
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€136k€126k▼
Fixed assets21/28€112k€94k▼
Tangible fixed assets22/27€112k€94k▼
Land and buildings22€76k€67k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€36k€26k▼
Financial fixed assets28€275€275=
Current assets29/58€23k€32k▲
Amounts receivable within one year40/41€23k€26k▲
Trade receivables40€23k€21k▼
Other amounts receivable41€270€5k▲
Current investments50/53-€298
Cash at bank and in hand54/58€298€6k▲
Equity and liabilities
Total equity and liabilities10/49€136k€126k▼
Equity10/15€56k€58k▲
Contributions10/11€0-
Reserves13€56k€58k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€56k€58k▲
Amounts payable17/49€80k€69k▼
Amounts payable after more than one year17€51k€35k▼
Financial debts170/4€51k€35k▼
Amounts payable within one year42/48€29k€34k▲
Current portion of amounts payable after more than one year42€15k€16k▲
Financial debts43€6k€1k▼
Credit institutions430/8€6k€1k▼
Trade debts44€6k€8k▲
Suppliers440/4€6k€8k▲
Taxes, remuneration and social security45€567€7k▲
Taxes450/3€567€7k▲
Other amounts payable47/48€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€18k▲
Other operating charges640/8€8k€8k▼
Gross operating margin9900€89k€33k▼
Operating profit (loss)9901€65k€7k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€61k€4k▼
Income taxes67/77€17k€2k▼
Profit (loss) for the period9904€44k€2k▼
Profit (loss) for the period to be appropriated9905€44k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€2k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€44k€2k▼
To other reserves6921€44k€2k▼
The notes to these accounts (12 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €44k ▲76.1%
Operating result €65k, net result €44k, both a record.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €25k
Net result €25k after 4 loss-making years.
08-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €-8k ▼993%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-01
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
3 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, Edegem · 1 establishment unit since 1998
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.
Hazeschransstraat 52650 EdegemGround area
284 m²
Building footprint
89 m²
Volume, LiDAR
713 m³
Parcel 11013A0030/00E019, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Hazeschransstraat 5, 2650 Edegem
since 19982.087.777.322
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11013A0030/00E019 | Flanders | 284 m² | 1 · 89 m² | 11.4 m · 3 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 82,570 companies in sector 70200 we hold annual accounts for 52,573. 38,802 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-1998
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.