OPTIMA SOLUTION
ActiveThe computed 12-month bankruptcy probability of OPTIMA SOLUTION is 1.8% (moderate). The 2025 annual accounts show equity of €75k and a net result of €5k. Equity is growing by ~39.8% per year across the filed fiscal years. Its solvency ranks better than 26% of 27711 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▼-1
Solvency50▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.19 in 2024; short-term debt: 71.5% and cash: 5.6% of total assets), and 74.9% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
25.1%
Return on assets
1.8%
Age of the figures
9 mo
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 28-04-2026, 94 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
94 d early
2024
1 d early
2023
29 d early
2022
18 d early
2021
19 d early
2020
15 d early
2019
4 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 7.7%
2024 · €69k
2019: €10k
2020: €20k
2021: €23k
2022: €57k
2023: €72k
2024: €69k
2019 → 2025
Total assets
€297k▼ 0.7%
2024 · €299k
2019: €103k
2020: €141k
2021: €175k
2022: €246k
2023: €259k
2024: €299k
2019 → 2025
Net result
€5k
2024 · €-2k
2019: €4k
2020: €10k
2021: €2k
2022: €21k
2023: €15k
2024: €-2k
2019 → 2025
Working capital
€57k▲ 38.3%
2024 · €41k
2019: €19k
2020: €11k
2021: €31k
2022: €44k
2023: €67k
2024: €41k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€57k▲ 149%€72k▲ 26.8%€69k▼ 3.3%€75k▲ 7.7%
Operating result€4k-€26k▲ 624%€20k▼ 20.2%€-5k€13k
Net result€2k-€21k▲ 781%€15k▼ 29.2%€-2k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €13k after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €297k
Fixed assets
€28k▼ 37.3%
Current assets
€269k▲ 5.7%
Equity and liabilities €297k
Equity
€75k▲ 7.7%
Debt
€222k▼ 3.2%
The debt ratio falls from 76.8% to 74.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30k▲
2024 · €13k
Cash flow
€22k▲
2024 · €16k
Solvency
25.1%▲
2024 · 23.2%
Current ratio
1.27▲
2024 · 1.19
Quick ratio
0.67▲
2024 · 0.56
Debt / equity
2.98▼
2024 · 3.31
ROE
7.1%▲
2024 · -3.4%
ROA
1.8%▲
2024 · -0.8%
Interest coverage
2.82▼
2024 · 3.26
Debt
€222k▼
2024 · €230k
Debt ≤ 1 year
€212k▼
2024 · €214k
Debt > 1 year
€10k▼
2024 · €16k
Income taxes
€2k▲
2024 · €-1k
Staff costs
€118k▲
2024 · €118k
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€299k€297k▼
Fixed assets21/28€44k€28k▼
Intangible fixed assets21€4k€4k▼
Tangible fixed assets22/27€40k€24k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€6k€3k▼
Leasing and similar rights25€30k€19k▼
Current assets29/58€255k€269k▲
Stocks and contracts in progress3€134k€128k▼
Stocks30/36€93k€88k▼
Contracts in progress37€41k€40k▼
Amounts receivable within one year40/41€105k€123k▲
Trade receivables40€69k€77k▲
Other amounts receivable41€36k€46k▲
Cash at bank and in hand54/58€13k€17k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€299k€297k▼
Equity10/15€69k€75k▲
Contributions10/11€19k€19k=
Reserves13€51k€56k▲
Distributable reserves133€51k€56k▲
Amounts payable17/49€230k€222k▼
Amounts payable after more than one year17€16k€10k▼
Financial debts170/4€16k€10k▼
Amounts payable within one year42/48€214k€212k▼
Current portion of amounts payable after more than one year42€17k€17k▲
Financial debts43€64k€40k▼
Credit institutions430/8€64k€40k▼
Trade debts44€63k€58k▼
Suppliers440/4€63k€58k▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€921-
Remuneration and social security454/9€9k€8k▼
Other amounts payable47/48€60k€89k▲
Income statement
Code20242025
Remuneration, social security and pensions62€118k€118k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€1k€2k▲
Gross operating margin9900€132k€153k▲
Operating profit (loss)9901€-5k€13k▲
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€4k€11k▲
Recurring financial charges65€4k€11k▲
Profit (loss) for the period before taxes9903€-3k€7k▲
Income taxes67/77€-1k€2k▲
Profit (loss) for the period9904€-2k€5k▲
Profit (loss) for the period to be appropriated9905€-2k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€5k▲
Transfer from equity791/2€2k-
Transfer to equity691/2-€5k
To other reserves6921-€5k
The notes to these accounts (8 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-2k ▼116%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €21k ▲781%
Operating result €26k, net result €21k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro 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, Pelt · 1 establishment unit since 2018
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.
Lindelheidestraat 133900 PeltGround area
688 m²
Building footprint
130 m²
Volume, LiDAR
948 m³
Parcel 72502E0589/00L012, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Algemene Technieken Langens / ATL
since 20182.280.931.937
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72502E0589/00L012 | Flanders | 688 m² | 1 · 130 m² | 10.3 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 2,461 EUR awarded · 2,461 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,053 EUR | 2,053 EUR |
| 2024 | 1 | 408 EUR | 408 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
4 categoriesOPTIMA SOLUTION BV39976
Similar companies · same sector, comparable size
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Grâce-Hollogne · Eq €75k
De Mulder Technieken
BE 0799.547.838
Aalst · Eq €75k
LDW-Elektro
BE 1014.437.183
Wielsbeke · Eq €75k
KNOCKAERT GERRIE
BE 0439.512.839
Ieper · Eq €75k
Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 8,794 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-2018
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.