OPTIMES
ActiveOPTIMES has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €45k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 66% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+26
Solvency96▲+32
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.35 against 1.53 in 2024; short-term debt: 28.9% and cash: 58.4% of total assets), and 28.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
71.1%
Return on assets
31.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
21 d late
2022
4 d early
2021
31 d late
2020
30 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€102k▲ 78.1%
2024 · €57k
2020: €56k
2021: €109k
2022: €156k
2023: €106k
2024: €57k
2020 → 2025
Total assets
€144k▼ 2.4%
2024 · €147k
2020: €93k
2021: €147k
2022: €198k
2023: €155k
2024: €147k
2020 → 2025
Net result
€45k▲ 622%
2024 · €6k
2020: €54k
2021: €52k
2022: €47k
2023: €54k
2024: €6k
2020 → 2025
Working capital
€97k▲ 106%
2024 · €47k
2020: €59k
2021: €107k
2022: €151k
2023: €91k
2024: €47k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€109k-€156k▲ 42.9%€106k▼ 31.8%€57k▼ 46.0%€102k▲ 78.1%
Operating result€66k-€59k▼ 10.9%€69k▲ 16.8%€9k▼ 86.5%€56k▲ 505%
Net result€52k-€47k▼ 10.9%€54k▲ 15.4%€6k▼ 88.5%€45k▲ 622%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 505% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €144k
Fixed assets
€5k▼ 52.5%
Current assets
€139k▲ 1.3%
Equity and liabilities €144k
Equity
€102k▲ 78.1%
Debt
€41k▼ 53.8%
The debt ratio falls from 61.0% to 28.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€61k▲
2024 · €15k
Cash flow
€50k▲
2024 · €12k
Solvency
71.1%▲
2024 · 39.0%
Current ratio
3.35▲
2024 · 1.53
Quick ratio
3.35▲
2024 · 1.53
Debt / equity
0.41▼
2024 · 1.57
ROE
43.9%▲
2024 · 10.8%
ROA
31.2%▲
2024 · 4.2%
Interest coverage
385.75▲
2024 · 12.88
Debt
€41k▼
2024 · €90k
Debt ≤ 1 year
€41k▼
2024 · €90k
Income taxes
€14k▲
2024 · €4k
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€147k€144k▼
Fixed assets21/28€10k€5k▼
Tangible fixed assets22/27€10k€5k▼
Furniture and vehicles24€7k€2k▼
Other tangible fixed assets26€3k€3k▼
Financial fixed assets28-€100
Current assets29/58€137k€139k▲
Amounts receivable within one year40/41€84k€55k▼
Trade receivables40€29k€883▼
Other amounts receivable41€55k€54k▼
Cash at bank and in hand54/58€53k€84k▲
Equity and liabilities
Total equity and liabilities10/49€147k€144k▼
Equity10/15€57k€102k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€55k€100k▲
Amounts payable17/49€90k€41k▼
Amounts payable within one year42/48€90k€41k▼
Trade debts44€445€2k▲
Suppliers440/4€445€2k▲
Taxes, remuneration and social security45€34k€39k▲
Taxes450/3€34k€39k▲
Other amounts payable47/48€55k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€1k-
Gross operating margin9900€16k€61k▲
Operating profit (loss)9901€9k€56k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€1k€159▼
Recurring financial charges65€1k€159▼
Profit (loss) for the period before taxes9903€10k€59k▲
Income taxes67/77€4k€14k▲
Profit (loss) for the period9904€6k€45k▲
Profit (loss) for the period to be appropriated9905€6k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€110k€100k▼
Profit (loss) brought forward from the previous period14P€104k€55k▼
Profit to be distributed694/7€55k-
Return on contributions (dividend)694€55k-
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 3.35
Current ratio from 1.53 to 3.35; short-term debt falls from €90k to €41k.
31-12
Financial
Equity above €100kEq €102k ▲78.1%
6 profitable years in a row build equity to €102k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €6k ▼88.5%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €156k ▲42.9%
3 profitable years in a row build equity to €156k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €109k ▲93%
2 profitable years in a row build equity to €109k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 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, Elsene · 1 establishment unit since 2020
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.
de Vergniesstraat 301050 ElseneGround area
619 m²
Building footprint
349 m²
Volume, LiDAR
6,790 m³
2 parcels, Brussels · tallest building 29.5 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
OPTIMES
since 20202.297.951.378
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21904B0460/00D006 | Brussels | 411 m² | 1 · 238 m² | 29.5 m · 7 fl. |
| 21443A0162/00D000 | Brussels | 208 m² | 1 · 111 m² | 20.9 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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MOWI CONSULTING
BE 0691.737.880
Wuustwezel · Eq €102k
LIVI
BE 0756.810.232
Evergem · Eq €102k
Macstream
BE 0808.922.293
Aalst · Eq €102k
Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,614 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.