OPTIMATE CONSULTING
ActiveOPTIMATE CONSULTING has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €-6k. Equity is shrinking by ~17.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 17% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▲+3
Solvency39▼-2
Growth50=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.12 against 0.16 in 2024; short-term debt: 7.6% and cash: 0.8% of total assets), and 86.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 →
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 · 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
13.6%
Return on assets
-3.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-6k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 16974 sector peers (2025).
NBB · sector comparisonPosition among 16974 sector peers
Solvency
better than 17%
← 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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
1 d early
2023
29 d late
2022
29 d late
2021
60 d late
2020
25 d late
2019
61 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€11k▲ 20.1%
2019 · €9k
2018: €11k
2019: €9k
2018 → 2020
EBIT margin
-42.3%▲ 39.3pp
2019 · -81.5%
2018: -39.0%
2019: -81.5%
2018 → 2020
Net result
€-6k▼ 16.9%
2024 · €-5k
2018: €-11k
2019: €-13k
2020: €-8k
2021: €-7k
2022: €-11k
2023: €-11k
2024: €-5k
2018 → 2025
Working capital
€-11k▲ 38.8%
2024 · €-18k
2018: €-14k
2019: €-35k
2020: €-52k
2021: €-11k
2022: €-16k
2023: €-18k
2024: €-18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€43k▼ 19.8%€32k▼ 25.4%€28k▼ 14.7%€22k▼ 20.1%
Operating result€-3k-€-7k▼ 138%€-8k▼ 14.1%€-3k▲ 66.5%€-4k▼ 60.4%
Net result€-7k-€-11k▼ 47.9%€-11k▼ 2.7%€-5k▲ 56.9%€-6k▼ 16.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €3k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €161k
Fixed assets
€160k▼ 4.6%
Current assets
€1k▼ 56.3%
Equity and liabilities €161k
Equity
€22k▼ 20.1%
Debt
€139k▼ 2.8%
The debt ratio rises from 83.9% to 86.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▼
2024 · €5k
Cash flow
€2k▼
2024 · €3k
Solvency
13.6%▼
2024 · 16.1%
Current ratio
0.12▼
2024 · 0.16
Quick ratio
0.12▼
2024 · 0.16
Debt / equity
6.33▲
2024 · 5.20
ROE
-25.2%▼
2024 · -17.2%
ROA
-3.4%▼
2024 · -2.8%
Interest coverage
2.91▲
2024 · 2.48
Debt
€139k▼
2024 · €143k
Debt ≤ 1 year
€12k▼
2024 · €21k
Debt > 1 year
€126k▲
2024 · €121k
Income taxes
€0▼
2024 · €0
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€171k€161k▼
Fixed assets21/28€167k€160k▼
Tangible fixed assets22/27€167k€160k▼
Land and buildings22€167k€160k▼
Current assets29/58€3k€1k▼
Cash at bank and in hand54/58€3k€1k▼
Deferred charges and accrued income490/1€198€208▲
Equity and liabilities
Total equity and liabilities10/49€171k€161k▼
Equity10/15€28k€22k▼
Contributions10/11€20k€20k=
Outside capital11€20k-
Other1109/19€20k-
Reserves13€4k€4k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€4k€-2k▼
Amounts payable17/49€143k€139k▼
Amounts payable after more than one year17€121k€126k▲
Financial debts170/4€11k-
Other amounts payable178/9€110k€126k▲
Amounts payable within one year42/48€21k€12k▼
Current portion of amounts payable after more than one year42€21k€12k▼
Trade debts44€263€287▲
Suppliers440/4€263€287▲
Accrued charges and deferred income492/3€1k€941▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€7k€6k▼
Operating profit (loss)9901€-3k€-4k▼
Financial income75/76B€1€1▼
Recurring financial income75€1€1▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-5k€-6k▼
Income taxes67/77€0€0▼
Profit (loss) for the period9904€-5k€-6k▼
Profit (loss) for the period to be appropriated9905€-5k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-2k▼
Profit (loss) brought forward from the previous period14P€9k€4k▼
The notes to these accounts (6 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
13-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 44 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
03-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 156 days late
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, Enghien · 1 establishment unit since 2006
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.
Fonteinstraat(E) 197850 EnghienGround area
3,748 m²
Building footprint
1,533 m²
Parcel 55010D0122/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Optimate Consulting SPRL
since 20062.152.575.401
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55010D0122/00L000 ProtectedMonument |
Wallonia | 3,748 m² | 1 · 1,533 m² | - |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,390. 13,367 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2006
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
71121Engineering and related technical consultancy, excluding land surveyors
71330
72220
72300
72600
74203
77330Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.