OPTIMISED
ActiveOPTIMISED has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €384k and a net result of €77k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 93% of 7640 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 12.61 against 7.97 in 2024), and 6.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
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
93.8%
Return on assets
18.9%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 25-11-2025, 67 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
67 d early
2024
59 d early
2023
56 d early
2022
47 d early
2021
26 d early
2020
38 d early
2019
53 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close09-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€384k▲ 11.3%
2024 · €345k
2019: €240k
2020: €290k
2021: €328k
2022: €316k
2023: €306k
2024: €345k
2019 → 2025
Total assets
€409k▲ 9.7%
2024 · €373k
2019: €372k
2020: €384k
2021: €403k
2022: €436k
2023: €321k
2024: €373k
2019 → 2025
Net result
€77k▲ 11.8%
2024 · €69k
2019: €38k
2020: €62k
2021: €64k
2022: €52k
2023: €54k
2024: €69k
2019 → 2025
Working capital
€264k▲ 48.1%
2024 · €178k
2019: €27k
2020: €65k
2021: €114k
2022: €61k
2023: €94k
2024: €178k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€328k-€316k▼ 3.4%€306k▼ 3.4%€345k▲ 12.8%€384k▲ 11.3%
Operating result€90k-€73k▼ 18.9%€75k▲ 2.8%€96k▲ 27.6%€106k▲ 10.4%
Net result€64k-€52k▼ 18.9%€54k▲ 3.1%€69k▲ 28.8%€77k▲ 11.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 10% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €409k
Fixed assets
€123k▼ 27.5%
Current assets
€287k▲ 40.6%
Equity and liabilities €409k
Equity
€384k▲ 11.3%
Debt
€25k▼ 10.0%
The debt ratio falls from 7.5% to 6.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€154k▲
2024 · €143k
Cash flow
€125k▲
2024 · €117k
Solvency
93.8%▲
2024 · 92.5%
Current ratio
12.61▲
2024 · 7.97
Quick ratio
12.61▲
2024 · 7.97
Debt / equity
0.07▼
2024 · 0.08
ROE
20.1%▲
2024 · 20.0%
ROA
18.9%▲
2024 · 18.5%
Interest coverage
984.26▲
2024 · 914.87
Debt
€25k▼
2024 · €28k
Debt ≤ 1 year
€23k▼
2024 · €26k
Income taxes
€31k▲
2024 · €27k
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€373k€409k▲
Fixed assets21/28€169k€123k▼
Tangible fixed assets22/27€144k€98k▼
Land and buildings22€110k€78k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€32k€18k▼
Financial fixed assets28€25k€25k=
Current assets29/58€204k€287k▲
Amounts receivable after more than one year29-€100k
Other amounts receivable291-€100k
Amounts receivable within one year40/41€54k€62k▲
Trade receivables40€24k€24k▼
Other amounts receivable41€30k€38k▲
Cash at bank and in hand54/58€147k€123k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€373k€409k▲
Equity10/15€345k€384k▲
Contributions10/11€6k€6k=
Reserves13€339k€378k▲
Distributable reserves133€339k€378k▲
Amounts payable17/49€28k€25k▼
Amounts payable within one year42/48€26k€23k▼
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Taxes, remuneration and social security45€21k€18k▼
Taxes450/3€21k€18k▼
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€48k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€148k€158k▲
Operating profit (loss)9901€96k€106k▲
Financial income75/76B€218€2k▲
Recurring financial income75€218€2k▲
Financial charges65/66B€157€157▼
Recurring financial charges65€157€157▼
Profit (loss) for the period before taxes9903€96k€108k▲
Income taxes67/77€27k€31k▲
Profit (loss) for the period9904€69k€77k▲
Profit (loss) for the period to be appropriated9905€69k€77k▲
Appropriation of the result
Profit (loss) to be appropriated9906€69k€77k▲
Transfer from equity791/2€30k€38k▲
Transfer to equity691/2€69k€77k▲
To other reserves6921€69k€77k▲
Profit to be distributed694/7€30k€38k▲
Return on contributions (dividend)694€28k€38k▲
Directors or managers695€2k-
The notes to these accounts (8 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
2025
25-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €77k ▲11.8%
Operating result €106k, net result €77k, both a record.
2024
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
06-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Liquidity times 5current ratio 8.08
Current ratio from 1.54 to 8.08; short-term debt falls from €113k to €13k.
2022
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
05-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
24-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
01-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
01-12
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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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, Gent · 1 establishment unit since 2008
Ground area
216 m²
Building footprint
207 m²
Volume, LiDAR
1,409 m³
Parcel 44062B0368/00S000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OPTIMISED
since 20082.167.612.379
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44062B0368/00S000 | Flanders | 216 m² | 1 · 207 m² | 10.7 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
ZinRgie
BE 0765.491.831
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IN FINE CONSULTING
BE 0811.213.968
Kruisem · Eq €383k
Officenter Beringen
BE 0756.891.493
Beringen · Eq €383k
ADEQUAT
BE 0431.793.025
Merelbeke-Melle · Eq €383k
ENERGIEK
BE 0478.220.490
Brecht · Eq €385k
Of 24,419 companies in sector 82990 we hold annual accounts for 9,360. 6,198 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-01-2008
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
62900Other information technology and computer services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.