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Complete company report
Generated 23-07-2026
Active BE 1000.460.473Private limited company

OPTIMAT-GROUP

Waterven(Heu) 12 ·8501 Kortrijk, Belgium· 2 yrs active
Sector: Financial services (64210)
Conclusion Checked

OPTIMAT-GROUP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.82M and a net result of €-67k. Its solvency ranks better than 26% of 203 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €2.82M
Net result €-67k
Better than sector 26%
Active 2 yrs
Snowflake analysis 5 axes · computed by Checked
Health0Profitability0Solvency34Growth72Stability82
38 / 100

Fragile profile, watch health in particular.

Health 0
Profitability 0
Solvency 34
Growth 72
Stability 82
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview3 NBB filings
Annual accounts filed on 16-01-2026 with the NBB · fiscal year 2025 · volledig
The figures below are the statutory (non-consolidated) annual accounts. This company also files consolidated accounts; the group figures can differ substantially.
€-250k€0€250k€500k€750kRevenue 2024: €338k€338kOperating result 2024: €91k€91kNet result 2024: €-140k€-140kRevenue 2025: €745k€745kOperating result 2025: €196k€196kNet result 2025: €-67k€-67k20242025
RevenueOperating resultNet result
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 29.0% 53.2%
better than 26% of 203 sector peers
Net result €-67k €71k
better than 17% of 203 sector peers
Equity €2.82M €2.97M
better than 49% of 203 sector peers
Total assets €9.73M €6.28M
better than 56% of 203 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€-67k
+52.2% far below sector median
Total assets
€9.73M
+4.8% far above sector median
Equity
€2.82M
-2.3% far above sector median
Debt
€6.91M
+8.0% far above sector median
Debt ≤ 1y
€4.05M
+31.7% far above sector median
Debt > 1y
€2.73M
-17.2% far above sector median
Solvency
29.0%
-6.8% -68% vs sector
ROE
-2.4%
+51.0% -176% vs sector
ROA
-0.7%
+54.4% +18% vs sector
Figures by fiscal year
Fiscal year2025
Revenuen/a
EBITDAn/a
Net profit€-67k
Cash flown/a
Staff costs-
Income taxes-
Dividends-
Total assets€9.73M
Equity€2.82M
Debt€6.91M
of which ≤ 1y€4.05M
of which > 1y€2.73M
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency29.0%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA-0.7%
ROE-2.4%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€9.73M
Fixed assets 21/28€9.37M
Financial fixed assets 28€9.37M
Current assets 29/58€363k
Stocks & contracts in progress 3€0
Amounts receivable within one year 40/41€225k
Cash & bank 54/58€138k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€9.73M
Equity 10/15€2.82M
Contributions / capital 10/11€3.03M
Accumulated profits (losses) 14€-208k
Amounts payable 17/49€6.91M
Amounts payable after one year 17€2.73M
Amounts payable within one year 42/48€4.05M
Trade debts payable within one year 44€188k
Income statement
Turnover 70€745k
Operating result 9901€196k
Financial charges 65€264k
Result before taxes 9903€-67k
Net result for the period 9904€-67k
Result to be appropriated 9905€-67k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Financial services(64210)
Legal form Private limited company(610)
Incorporation28-09-2023
StatusActive
Postal code8501
Establishment units 1 location
Optimat-Group
Waterven(Heu) 12, 8501 KortrijkHoldings
since 20232.352.547.037
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
34016C1041/00B000 Flanders 2,847 m² 1 · 1,749 m² 8.5 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
16-01-2026
NBB filing Annual accounts filed
fiscal year 2025 · volledig
2025
09-05-2025
State Gazette act Minor change
other · Dirk Declercq
27-01-2025
NBB filing Annual accounts filed
fiscal year 2024 · consolidatie
16-01-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
09-05-2025 Publication in the Belgian Official Gazette, Minor change Minor change·Dirk Declercq
Summary: otherNotary: Dirk Declercq · Zwevegem
Technical details 
{
  "notary": {
    "name": "Dirk Declercq",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Zwevegem",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-05-09",
    "filing_date": "2025-05-08",
    "act_kind_objet": "OPRICHTING"
  },
  "decision": {
    "body": "enig_aandeelhouder_schriftelijk",
    "date": "2025-05-07",
    "unanimous": true
  },
  "agm_change": null,
  "detected_kind": "other",
  "other_address": null,
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "1000.460.473",
    "name_full": "Optimat Stone\u0026Glass",
    "legal_form": "NV"
  },
  "accounts_deposit": null,
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null
  },
  "co_filed_documents": [
    "afschrift van de oprichtingsakte"
  ],
  "fiscal_year_change": null,
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "is_volet_a_only_stub": false,
  "vakbekwaamheid_change": null,
  "should_reroute_to_category": null,
  "single_shareholder_declaration": null
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL OPTIMAT-GROUP
Registered office
Waterven(Heu) 12
8501 Kortrijk, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative