Equity
-€31,874
Debts exceed assets in financial year 2025.
OPTIMAAL
Lifetime
12 annual accounts with figures on one time axispeak €52,797 (2015)
-€11,921▼ €17,988
lowest -€28,516 (2017)
-€27,698▼ €28,515
peak €64,204 (2016)
-€31,874▼ €27,698
€35,876▲ 36.5%
Board2 names since 2007
2 directorsLAUWERS SVEN and 1 other
Documentsfilings and deeds
30-01-20261 day before the deadline
2025micro format
Gross margin from €6,067 to -€11,921Loss of €27,698Equity from -€4,176 to -€31,874Debts from €26,289 to €35,876
Key points
from the 2025 annual accountsFilings
12 annual accounts since 2014
The last five annual accounts were filed 1 to 31 days before the end of the period.
Position in the sector
-796.5%
Lower solvency than 95% of companies in advertising and market research. Sector median 53.3% · 8,614 companies.
Turnover not published (micro format)
Checked score
52
Fair
Financially stronger than 6% of micro companies in advertising and market research (NACE 73)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,230 companies (NACE 73, micro).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.8%▲ +0.2 percentage points vs 12-2024highest value
02-2025: 0.4%▼ -0.4 percentage points vs 01-2025lowest value
03-2025: 0.4%● unchanged vs 02-2025lowest value
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.4%● unchanged vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.5%▲ +0.1 percentage points vs 09-2025
11-2025: 0.4%▼ -0.1 percentage points vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.6%▲ +0.2 percentage points vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026
08-2026: 0.6%● unchanged vs 07-2026
09-2026: 0.6%● unchanged vs 08-2026
10-2026: 0.6%● unchanged vs 09-2026
11-2026: 0.6%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€31,874
Loss of €27,698 (financial year 2025)
lowers risk
Size: total assets €4,002
Founded in 2007
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 73, micro). It does better than 5% of them on solvency, 14% on liquidity, 6% on profitability and 0% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,907 companies had the same profile as OPTIMAAL has now. Each dot stands for 18 companies, two years later.
85.4%
were still trading
8.1%
stopped another way
5.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of OPTIMAAL itself is lower: 0.6% within 12 months. It rests on far more data about OPTIMAAL than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,907 companies, not a prediction for OPTIMAAL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€31,874
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
23 days early
2023
31 days early
2022
18 days early
2021
28 days early
2020
17 days early
2019
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 17 days before the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 8 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end10-11-2026 today31-01-2027 deadline
Board and ownership
LS
LAUWERS SVEN
Director, since 11-07-2007
DW
De Wolf Els
Director, since 15-11-2017
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0891079612
Incorporation
published on 03-08-2007 · Gazette deed
First establishment
Ruisstraat 85, Temse
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| OPTIMAAL Temse | €4,002 | -€11,921 | -796.5% | - |
| MOONZOO MUSIC Dilbeek | €3,905 | -€3,008 | -327.9% | - |
| ARDEN COM Libramont-Chevigny | €3,895 | -€420 | -98.8% | - |
| BETTER HEALTH INFORMATION SERVICES Uccle | €4,585 | -€3,622 | -873.5% | - |
| ADOPT Watermael-Boitsfort | €5,025 | -€7,956 | -588.2% | - |
| mediakantoor steevens Bruges | €3,931 | €1,085 | -878.8% | - |
| SEVENSI Ganshoren | €3,083 | -€2,276 | -1273.5% | - |
These companies have the same main activity as OPTIMAAL: advertising agencies (NACE 73110). They are comparable in size and age: total assets between €3,080 and €5,030, founded between 2003 and 2009.
Official details
Source: KBO- Status
- Active since 26-07-2007Normal situation
- Activity
- Advertising agenciesNACE 73110and 1 other
- Establishment unit
- 2.164.966.9529140 Temse, since 26-07-2007
- Financial year end
- 30 June
- Peppol
- Reachable since 17-07-2025
Annual accounts to 30-06-2025
- €4,002▼ 81.9%
- Filing
- Filed on 30-01-2026, 1 day before the end of the filing period
Insights on OPTIMAAL
OPTIMAAL files the micro format. That format states no turnover. The gross margin fell from €48,958 in 2014 to -€11,921 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about OPTIMAAL
- What is the company number of OPTIMAAL?
- The company number of OPTIMAAL is 0891.079.612. The VAT number is the same number with BE in front: BE 0891.079.612.
- Where is OPTIMAAL based?
- The registered office is at Ruisstraat 85/A, 9140 Temse.Company details
- What does OPTIMAAL do?
- According to the KBO register, the main activity is advertising agencies (NACE 73110).
- What is the legal form of OPTIMAAL?
- OPTIMAAL is a private limited company (pre-2019) (BVBA).
- When was OPTIMAAL founded?
- OPTIMAAL was founded on 26-07-2007.
- Is OPTIMAAL still active?
- Yes, OPTIMAAL is an active enterprise in the KBO register.
- What is the turnover of OPTIMAAL?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is OPTIMAAL profitable?
- In financial year 2025, OPTIMAAL made a loss of €27,698.
- Where can I find the annual accounts of OPTIMAAL?
- OPTIMAAL filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of OPTIMAAL due?
- OPTIMAAL must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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