Optimalist
ActiveSummary
Optimalist has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €144k and a net result of €5k. Equity is growing by ~27.7% per year across the filed fiscal years. Its solvency ranks better than 92% of 2692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-25
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 12.87 against 7.17 in 2024; short-term debt: 7.5% and cash: 11.3% of total assets), and 7.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
92.5%
Return on assets
3%
Age of the figures
12 mo
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 30-04-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
34 d early
2023
32 d early
2022
33 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€144k▲ 3.4%
2024 · €139k
2022: €59k
2023: €101k
2024: €139k
2022 → 2025
Total assets
€156k▼ 4.5%
2024 · €163k
2022: €97k
2023: €141k
2024: €163k
2022 → 2025
Net result
€5k▼ 87.6%
2024 · €38k
2022: €57k
2023: €44k
2024: €38k
2022 → 2025
Working capital
€139k▲ 5.8%
2024 · €131k
2022: €50k
2023: €90k
2024: €131k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€59k-€101k▲ 72.3%€139k▲ 37.7%€144k▲ 3.4%
Operating result€75k-€57k▼ 24.3%€49k▼ 13.8%€7k▼ 85.6%
Net result€57k-€44k▼ 23.2%€38k▼ 13.4%€5k▼ 87.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 86% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €156k
Fixed assets
€5k ▼ 52.4%
Current assets
€151k ▼ 1.3%
Equity and liabilities €156k
Equity
€144k ▲ 3.4%
Debt
€12k ▼ 50.6%
Debt's share of the balance-sheet total falls from 14.6% to 7.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▼
2024 · €56k
Cash flow
€11k▼
2024 · €46k
Current ratio
12.87▲
2024 · 7.17
Debt to equity
0.08▼
2024 · 0.17
ROE
3.3%▼
2024 · 27.4%
ROA
3.0%▼
2024 · 23.4%
Interest coverage
31.37▼
2024 · 151.40
Debt ≤ 1 year
€12k▼
2024 · €21k
Income taxes
€3k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€163k€156k▼
Fixed assets21/28€10k€5k▼
Tangible fixed assets22/27€10k€5k▼
Furniture and vehicles24€10k€5k▼
Current assets29/58€153k€151k▼
Amounts receivable after more than one year29€69k€104k▲
Other amounts receivable291€69k€104k▲
Amounts receivable within one year40/41€17k€25k▲
Trade receivables40€17k€16k▼
Other amounts receivable41-€9k
Cash at bank and in hand54/58€63k€18k▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€163k€156k▼
Equity10/15€139k€144k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€136k€141k▲
Amounts payable17/49€24k€12k▼
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€21k€12k▼
Current portion of amounts payable after more than one year42€4k€2k▼
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€13k€2k▼
Taxes450/3€12k€2k▼
Remuneration and social security454/9€430-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€837€860▲
Gross operating margin9900€57k€15k▼
Operating profit (loss)9901€49k€7k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€373€437▲
Recurring financial charges65€373€437▲
Profit (loss) for the period before taxes9903€50k€8k▼
Income taxes67/77€12k€3k▼
Profit (loss) for the period9904€38k€5k▼
Profit (loss) for the period to be appropriated9905€38k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€136k€141k▲
Profit (loss) brought forward from the previous period14P€98k€136k▲
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €5k ▼87.6%
Net result drops to €5k, the lowest in the series.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €100kEq €101k ▲72.3%
2 profitable years in a row build equity to €101k.
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Maasmechelen · 1 establishment unit since 2021
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.
Heirstraat(M) 3983630 MaasmechelenGround area
317 m²
Building footprint
94 m²
Volume, LiDAR
564 m³
Parcel 73060C0126/00F000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Optimalist
since 20212.311.875.234
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73060C0126/00F000 | Flanders | 317 m² | 1 · 94 m² | 9.6 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.
Similar companies · same sector, comparable size
RENIUM
BE 0762.999.624
Beveren-Kruibeke-Zwijndrecht · Eq €143,890
SEYAL
BE 0801.730.437
Brussel · Eq €143,958
JUMA PROGRAMMING
BE 0463.780.259
Eeklo · Eq €143,815
Eren Consulting
BE 0791.840.593
Brussel · Eq €143,992
NEXT VENTURES
BE 0560.762.245
Antwerpen · Eq €143,719
Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 6,873 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2021
Fiscal year end30-09
Activities, NACEBEL 2025
62100Computer programming
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.