OPTIMAL
ActiveSummary
OPTIMAL has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €238,599 and a net result of €1,434. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 85% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▼-22
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20,000 at 30 days acceptable
Liquidity ample (current ratio 5.36 against 9.99 in 2024; short-term debt: 13.2% and cash: 28.4% of total assets), and 13.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer 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
86.8%
Return on assets
0.5%
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 18-05-2026, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
125 d early
2023
2 d early
2022
27 d early
2021
26 d early
2020
29 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 40 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€238,599▼ 9.7%
2024 · €264,164
Total assets
€274,756▼ 3.4%
2024 · €284,485
Net result
€1,434▼ 97.2%
2024 · €50,581
Working capital
€157,627▼ 13.7%
2024 · €182,604
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€27,405▼ 35.6%€10,958▼ 60.0%-€12,530€71,423€2,202▼ 96.9%
Net result€18,352within the sector's middle half▼ 33.9%€7,300within the sector's middle half▼ 60.2%-€12,637below the sector's middle half€50,581within the sector's middle half€1,434below the sector's middle half▼ 97.2%
Equity€250,720above the sector's middle half▲ 7.4%€257,020above the sector's middle half▲ 2.5%€243,583above the sector's middle half▼ 5.2%€264,164above the sector's middle half▲ 8.4%€238,599above the sector's middle half▼ 9.7%
Total assets€260,691within the sector's middle half▲ 6.5%€262,264within the sector's middle half▲ 0.6%€252,179within the sector's middle half▼ 3.8%€284,485within the sector's middle half▲ 12.8%€274,756within the sector's middle half▼ 3.4%
Debt€9,971▼ 11.7%€5,244▼ 47.4%€8,596▲ 63.9%€20,320▲ 136%€36,157▲ 77.9%
Working capital€169,713▲ 11.9%€175,442▲ 3.4%€160,389▼ 8.6%€182,604▲ 13.9%€157,627▼ 13.7%
Solvency96.2%above the sector's middle half▲ 0.8pp98.0%above the sector's middle half▲ 1.8pp96.6%above the sector's middle half▼ 1.4pp92.9%above the sector's middle half▼ 3.7pp86.8%above the sector's middle half▼ 6.0pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
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 97% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €274,756
Fixed assets
€80,972 ▼ 0.7%
Current assets
€193,784 ▼ 4.5%
Equity and liabilities €274,756
Equity
€238,599 ▼ 9.7%
Debt
€36,157 ▲ 77.9%
Debt's share of the balance-sheet total rises from 7.1% to 13.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6,213▼
2024 · €75,299
Cash flow
€5,446▼
2024 · €54,457
Current ratio
5.36▼
2024 · 9.99
Debt to equity
0.15▲
2024 · 0.08
ROE
0.6%▼
2024 · 19.1%
ROA
0.5%▼
2024 · 17.8%
Interest coverage
17.69▼
2024 · 268.49
Debt ≤ 1 year
€36,157▲
2024 · €20,320
Income taxes
€1,168▼
2024 · €20,727
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 16,986 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,351 | €3,316 | €3,500 | €3,876 | €4,011 | ▲ 3.5% |
| Other operating charges640/8 | €3,388 | €2,386 | €2,806 | €2,652 | €2,731 | ▲ 3.0% |
| Gross operating margin9900 | €34,144 | €16,660 | -€6,224 | €77,951 | €8,943 | ▼ 88.5% |
| Operating profit (loss)9901 | €27,405 | €10,958 | -€12,530 | €71,423 | €2,202 | ▼ 96.9% |
| Financial income75/76B | €0 | - | €214 | €166 | €752 | ▲ 354% |
| Recurring financial income75 | €0 | - | €214 | €166 | €752 | ▲ 354% |
| Financial charges65/66B | €573 | €583 | €219 | €280 | €351 | ▲ 25.2% |
| Recurring financial charges65 | €573 | €583 | €219 | €280 | €351 | ▲ 25.2% |
| Profit (loss) for the period before taxes9903 | €26,833 | €10,375 | -€12,535 | €71,308 | €2,602 | ▼ 96.4% |
| Income taxes67/77 | €8,480 | €3,075 | €102 | €20,727 | €1,168 | ▼ 94.4% |
| Profit (loss) for the period9904 | €18,352 | €7,300 | -€12,637 | €50,581 | €1,434 | ▼ 97.2% |
| Profit (loss) for the period to be appropriated9905 | €18,352 | €7,300 | -€12,637 | €50,581 | €1,434 | ▼ 97.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €260,691 | €262,264 | €252,179 | €284,485 | €274,756 | ▼ 3.4% |
| Fixed assets21/28 | €81,007 | €81,578 | €83,194 | €81,560 | €80,972 | ▼ 0.7% |
| Tangible fixed assets22/27 | €81,007 | €81,578 | €83,194 | €81,560 | €80,972 | ▼ 0.7% |
| Land and buildings22 | €30,540 | €30,540 | €30,540 | €30,540 | €30,540 | = |
| Plant, machinery and equipment23 | €13,981 | €13,244 | €14,587 | €13,642 | €12,623 | ▼ 7.5% |
| Furniture and vehicles24 | €3,664 | €2,908 | €2,153 | €1,465 | €1,895 | ▲ 29.3% |
| Other tangible fixed assets26 | €32,822 | €34,885 | €35,913 | €35,913 | €35,913 | = |
| Current assets29/58 | €179,684 | €180,686 | €168,985 | €202,924 | €193,784 | ▼ 4.5% |
| Amounts receivable within one year40/41 | €16,998 | €32,754 | €11,517 | €22,167 | €12,558 | ▼ 43.3% |
| Trade receivables40 | €37 | €3,539 | €4,550 | €17,894 | - | - |
| Other amounts receivable41 | €16,961 | €29,214 | €6,967 | €4,273 | €12,558 | ▲ 194% |
| Current investments50/53 | €100,083 | €100,082 | €100,122 | €100,238 | €100,764 | ▲ 0.5% |
| Cash at bank and in hand54/58 | €60,904 | €45,529 | €55,541 | €78,300 | €77,900 | ▼ 0.5% |
| Deferred charges and accrued income490/1 | €1,699 | €2,321 | €1,806 | €2,219 | €2,562 | ▲ 15.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €260,691 | €262,264 | €252,179 | €284,485 | €274,756 | ▼ 3.4% |
| Equity10/15 | €250,720 | €257,020 | €243,583 | €264,164 | €238,599 | ▼ 9.7% |
| Contributions10/11 | €31,200 | €31,200 | €31,200 | - | - | - |
| Reserves13 | €108,300 | €114,500 | €114,500 | €166,280 | €140,714 | ▼ 15.4% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | - | - | - |
| Reserves not available under the articles1311 | €6,200 | €6,200 | €6,200 | - | - | - |
| Distributable reserves133 | €102,100 | €108,300 | €108,300 | €166,280 | €140,714 | ▼ 15.4% |
| Profit (loss) carried forward14 | €111,220 | €111,320 | €97,883 | €97,884 | €97,884 | = |
| Amounts payable17/49 | €9,971 | €5,244 | €8,596 | €20,320 | €36,157 | ▲ 77.9% |
| Amounts payable within one year42/48 | €9,971 | €5,244 | €8,596 | €20,320 | €36,157 | ▲ 77.9% |
| Trade debts44 | €1,848 | €728 | €2,473 | €688 | €754 | ▲ 9.6% |
| Suppliers440/4 | €1,848 | €728 | €2,473 | €688 | €754 | ▲ 9.6% |
| Taxes, remuneration and social security45 | €3,689 | €2,186 | €5,324 | €4,270 | €2,767 | ▼ 35.2% |
| Taxes450/3 | €3,689 | €2,186 | €5,324 | €4,270 | €2,767 | ▼ 35.2% |
| Other amounts payable47/48 | €4,434 | €2,330 | €800 | €15,362 | €32,635 | ▲ 112% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18,352 | €7,300 | -€12,637 | €50,581 | €1,434 | ▼ 97.2% |
| + Depreciation and write-downs630 | €3,351 | €3,316 | €3,500 | €3,876 | €4,011 | ▲ 3.5% |
| Operating cash flow (approximation) | €21,703 | €10,617 | -€9,137 | €54,457 | €5,446 | ▼ 90.0% |
| Investment in fixed assets (approximation) | - | -€3,887 | -€5,116 | -€2,242 | -€3,422 | ▼ 52.6% |
| Change in cash | - | -€15,375 | €10,012 | €22,759 | -€400 | ▼ 102% |
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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €50,581
Net result €50,581 after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet -€12,637
Net result drops to -€12,637, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 8.84
Current ratio from 4.38 to 8.84; short-term debt falls from €31,399 to €17,034.
31-12
Financial
Equity above €200,000Eq €206,617 ▲15.3%
2 profitable years in a row build equity to €206,617.
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Seraing · 1 establishment unit since 1987
Ground area
804 m²
Building footprint
202 m²
Volume, LiDAR
1,902 m³
Parcel 62058B0411/00F000, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Quai des Carmes 62, 4101 Seraing
since 19872.031.617.290
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62058B0411/00F000 | Wallonia | 804 m² | 1 · 201 m² | 11.6 m · 3 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.
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,589. 39,112 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-11-1987
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0432444905
Also
9925:BE0432444905
Registered
18-02-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.