OPTIMAL SOLUTION PROVIDER
ActiveThe annual accounts of OPTIMAL SOLUTION PROVIDER for fiscal year 2025 show a net loss of 77% of the equity at the start of that year. The 2025 annual accounts show equity of €4k and a net result of €-13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 31662 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-89
Solvency31▼-26
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.07 against 1.45 in 2024; short-term debt: 93.5% and cash: 44.6% of total assets), and 93.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
6.5%
Return on assets
-21.9%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 14%
← 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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
57 d early
2023
54 d early
2022
28 d early
2021
10 d late
2020
18 d late
2019
24 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
€4k▼ 77.2%
2024 · €17k
2018: €2k
2019: €-70
2020: €3k
2021: €5k
2022: €4k
2023: €8k
2024: €17k
2018 → 2025
Total assets
€59k▲ 12.2%
2024 · €53k
2018: €41k
2019: €41k
2020: €70k
2021: €67k
2022: €73k
2023: €43k
2024: €53k
2018 → 2025
Net result
€-13k
2024 · €9k
2018: €2k
2019: €-2k
2020: €4k
2021: €2k
2022: €-847
2023: €4k
2024: €9k
2018 → 2025
Working capital
€4k▼ 77.3%
2024 · €16k
2018: €-278
2019: €-959
2020: €3k
2021: €2k
2022: €1k
2023: €6k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€4k▼ 16.8%€8k▲ 96.3%€17k▲ 103%€4k▼ 77.2%
Operating result€5k-€-4k€7k€11k▲ 62.6%€-14k
Net result€2k-€-847€4k€9k▲ 111%€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €11k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets
€145▼ 75.0%
Current assets
€59k▲ 13.2%
Equity and liabilities €59k
Equity
€4k▼ 77.2%
Debt
€55k▲ 54.1%
The debt ratio rises from 68.1% to 93.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-14k▼
2024 · €12k
Cash flow
€-13k▼
2024 · €10k
Solvency
6.5%▼
2024 · 31.9%
Current ratio
1.07▼
2024 · 1.45
Quick ratio
1.07▼
2024 · 1.45
Debt / equity
14.43▲
2024 · 2.14
ROE
-338.6%▼
2024 · 50.8%
ROA
-21.9%▼
2024 · 16.2%
Interest coverage
-36.17▼
2024 · 82.99
Debt
€55k▲
2024 · €36k
Debt ≤ 1 year
€55k▲
2024 · €36k
Income taxes
€500▼
2024 · €4k
Staff costs
€14k▲
2024 · €13k
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€53k€59k▲
Fixed assets21/28€581€145▼
Tangible fixed assets22/27€456€20▼
Furniture and vehicles24€456€20▼
Financial fixed assets28€125€125=
Current assets29/58€52k€59k▲
Amounts receivable within one year40/41€18k€30k▲
Trade receivables40€18k€30k▲
Cash at bank and in hand54/58€32k€26k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€53k€59k▲
Equity10/15€17k€4k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-2k€-15k▼
Amounts payable17/49€36k€55k▲
Amounts payable within one year42/48€36k€55k▲
Trade debts44€16k€37k▲
Suppliers440/4€16k€37k▲
Taxes, remuneration and social security45€18k€18k▲
Taxes450/3€14k€13k▼
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€2k€343▼
Income statement
Code20242025
Remuneration, social security and pensions62€13k€14k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€436▼
Other operating charges640/8€13k€400▼
Gross operating margin9900€38k€185▼
Operating profit (loss)9901€11k€-14k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€149€380▲
Recurring financial charges65€149€380▲
Profit (loss) for the period before taxes9903€12k€-12k▼
Income taxes67/77€4k€500▼
Profit (loss) for the period9904€9k€-13k▼
Profit (loss) for the period to be appropriated9905€9k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-15k▼
Profit (loss) brought forward from the previous period14P€-10k€-2k▲
The notes to these accounts (7 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-13k ▼252%
Net result drops to €-13k, the lowest in the series.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €9k ▲111%
Operating result €11k, net result €9k, both a record.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Mont-Saint-Guibert · 1 establishment unit since 2011
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.
Rue du Fond Cattelain 21435 Mont-Saint-Guibert1 establishment unit
Optimal Solution Provider
since 20112.195.389.617
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 13,170 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2011
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
70200Business and other management consultancy
70220Business consulting
43211General electrical installation work
46190Agents in non-specialised wholesale trade
46500Wholesale of information and communication equipment
46510Wholesale trade
61200Telecommunications resale and intermediation services
61900Telecommunications
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filings
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.