OPTIMAZED 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 €440k and a net result of €173k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 51% of 8018 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
20 d early
2023
28 d early
2022
23 d early
2021
30 d early
2020
29 d early
2019
29 d early
← before the deadline
after the deadline →
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
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€440k▲ 33.4%
2024 · €330k
2018: €152k
2019: €190k
2020: €197k
2021: €223k
2022: €258k
2023: €295k
2024: €330k
2018 → 2025
Net result
€173k▲ 45.6%
2024 · €119k
2018: €62k
2019: €68k
2020: €7k
2021: €27k
2022: €68k
2023: €80k
2024: €119k
2018 → 2025
Total assets
€834k▲ 10.5%
2024 · €755k
2018: €422k
2019: €442k
2020: €401k
2021: €637k
2022: €662k
2023: €684k
2024: €755k
2018 → 2025
Solvency
52.8%▲ 9.1pp
2024 · 43.7%
2018: 36.0%
2019: 42.9%
2020: 49.0%
2021: 35.0%
2022: 38.9%
2023: 43.1%
2024: 43.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€223k-€258k▲ 15.4%€295k▲ 14.4%€330k▲ 11.8%€440k▲ 33.4%
Operating result€43k-€102k▲ 136%€126k▲ 23.5%€162k▲ 28.0%€255k▲ 57.4%
Net result€27k-€68k▲ 157%€80k▲ 17.2%€119k▲ 47.9%€173k▲ 45.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 57% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €834k
Fixed assets
€444k▼ 4.2%
Current assets
€390k▲ 33.9%
Equity and liabilities €834k
Equity
€440k▲ 33.4%
Debt
€394k▼ 7.3%
The debt ratio falls from 56.3% to 47.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
52.8%▲
2024 · 43.7%
ROE
39.3%▲
2024 · 36.0%
ROA
20.7%▲
2024 · 15.7%
Debt
€394k▼
2024 · €425k
Debt ≤ 1 year
€160k▼
2024 · €160k
Debt > 1 year
€232k▼
2024 · €257k
Income taxes
€78k▲
2024 · €51k
Staff costs
€28k▼
2024 · €29k
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€755k€834k▲
Fixed assets21/28€464k€444k▼
Tangible fixed assets22/27€353k€335k▼
Land and buildings22€345k€324k▼
Plant, machinery and equipment23€1k€0▼
Furniture and vehicles24€8k€5k▼
Other tangible fixed assets26-€7k
Financial fixed assets28€110k€109k▼
Current assets29/58€291k€390k▲
Amounts receivable within one year40/41€116k€185k▲
Trade receivables40€115k€44k▼
Other amounts receivable41€1k€142k▲
Current investments50/53€107k€107k=
Cash at bank and in hand54/58€65k€74k▲
Deferred charges and accrued income490/1€4k€24k▲
Equity and liabilities
Total equity and liabilities10/49€755k€834k▲
Equity10/15€330k€440k▲
Contributions10/11€6k€6k=
Reserves13€323k€433k▲
Distributable reserves133€323k€433k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€425k€394k▼
Amounts payable after more than one year17€257k€232k▼
Financial debts170/4€257k€232k▼
Amounts payable within one year42/48€160k€160k▼
Current portion of amounts payable after more than one year42€28k€25k▼
Financial debts43€18k€34k▲
Credit institutions430/8€18k€34k▲
Trade debts44€41k€30k▼
Suppliers440/4€41k€30k▼
Taxes, remuneration and social security45€15k€14k▼
Taxes450/3€12k€14k▲
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€59k€58k▼
Accrued charges and deferred income492/3€8k€2k▼
Income statement
Code20242025
Non-recurring operating income76A-€127k
Remuneration, social security and pensions62€29k€28k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▲
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A-€422
Gross operating margin9900€223k€316k▲
Operating profit (loss)9901€162k€255k▲
Financial income75/76B€15k€4k▼
Recurring financial income75€15k€4k▼
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€170k€250k▲
Income taxes67/77€51k€78k▲
Profit (loss) for the period9904€119k€173k▲
Profit (loss) for the period to be appropriated9905€119k€173k▲
Appropriation of the result
Profit (loss) to be appropriated9906€119k€173k▲
Transfer from equity791/2€82k€63k▼
Transfer to equity691/2€117k€173k▲
To other reserves6921€117k€173k▲
Profit to be distributed694/7€84k€63k▼
Return on contributions (dividend)694€84k€63k▼
The notes to these accounts (11 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €173k ▲45.6%
Operating result €255k, net result €173k, both a record.
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Equity above €200kEq €223k ▲13.5%
4 profitable years in a row build equity to €223k.
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €7k ▼89.7%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
01-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Wingene · 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.
Bruggesteenweg 138755 WingeneGround area
1,463 m²
Building footprint
170 m²
Volume, LiDAR
727 m³
Parcel 37012E0838/00P000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Optimazed
since 20112.197.414.640
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37012E0838/00P000 | Flanders | 1,463 m² | 1 · 170 m² | 7.2 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 630 EUR awarded · 630 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 630 EUR |
| 2023 | 1 | 630 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Quality registration as a provider
1 live approvalQuality registration as a provider
Legal Entity Identifier
894500UWR9U6NKOGPB85
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,705 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2011
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
68110Buying and selling of own real estate
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.