OPTIMIZE
ActiveSummary
OPTIMIZE has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203k and a net result of €13k. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 5.44 against 4.34 in 2024; short-term debt: 15.9% and cash: 14.3% of total assets), and 17.8% of the assets are financed with debt.
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Signals
Four 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
82.2%
Return on assets
5.2%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 01-07-2025 was due by 01-02-2026 and was filed on 16-03-2026, 43 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 · 10 filingsDeviation from the deadline
2025
43 d late
2024
27 d late
2023
28 d late
2022
27 d late
2021
24 d late
2020
32 d late
2019
4 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 01-07-2026 and is due by 01-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
01-07-2026 close25-09-2026 today01-02-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€203k▲ 6.7%
2024 · €190k
Total assets
€247k▼ 0.9%
2024 · €249k
Net result
€13k▲ 60.1%
2024 · €8k
Working capital
€174k▲ 6.5%
2024 · €163k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€28k▼ 48.0%€32k▲ 12.8%€18k▼ 43.2%€6k▼ 65.1%€8k▲ 26.8%
Net result€25k▼ 41.2%€27k▲ 7.7%€17k▼ 38.2%€8k▼ 52.8%€13k▲ 60.1%
Equity€166k▲ 18.0%€194k▲ 16.5%€200k▲ 3.4%€190k▼ 5.1%€203k▲ 6.7%
Total assets€205k▲ 8.8%€227k▲ 11.1%€243k▲ 6.9%€249k▲ 2.3%€247k▼ 0.9%
Debt€39k▼ 18.7%€34k▼ 12.1%€43k▲ 26.9%€59k▲ 36.8%€44k▼ 25.5%
Working capital€135k▲ 4.8%€165k▲ 22.1%€172k▲ 4.4%€163k▼ 5.1%€174k▲ 6.5%
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 27% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €247k
Fixed assets
€33k ▼ 8.2%
Current assets
€213k ▲ 0.3%
Equity and liabilities €247k
Equity
€203k ▲ 6.7%
Debt
€44k ▼ 25.5%
Debt's share of the balance-sheet total falls from 23.6% to 17.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13k▼
2024 · €16k
Cash flow
€18k▲
2024 · €18k
Current ratio
5.44▲
2024 · 4.34
Debt to equity
0.22▼
2024 · 0.31
ROE
6.3%▲
2024 · 4.2%
ROA
5.2%▲
2024 · 3.2%
Interest coverage
8.33▼
2024 · 8.82
Debt ≤ 1 year
€39k▼
2024 · €49k
Debt > 1 year
€5k▼
2024 · €10k
Income taxes
€7k▲
2024 · €5k
Staff costs
€636
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €458 | - | €636 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11k | €8k | €9k | €10k | €5k | ▼ 49.6% |
| Other operating charges640/8 | - | €890 | €659 | €561 | €862 | ▲ 53.5% |
| Gross operating margin9900 | €39k | €40k | €28k | €16k | €14k | ▼ 13.2% |
| Operating profit (loss)9901 | €28k | €32k | €18k | €6k | €8k | ▲ 26.8% |
| Financial income75/76B | - | €9k | €10k | €9k | €13k | ▲ 50.4% |
| Recurring financial income75 | €11k | €9k | €10k | €9k | €9k | ▼ 1.3% |
| Non-recurring financial income76B | - | - | - | - | €5k | - |
| Financial charges65/66B | - | €462 | €2k | €2k | €2k | ▼ 14.9% |
| Recurring financial charges65 | €669 | €462 | €2k | €2k | €2k | ▼ 14.9% |
| Profit (loss) for the period before taxes9903 | €39k | €40k | €26k | €13k | €20k | ▲ 48.1% |
| Income taxes67/77 | €13k | €13k | €9k | €5k | €7k | ▲ 30.0% |
| Profit (loss) for the period9904 | €25k | €27k | €17k | €8k | €13k | ▲ 60.1% |
| Profit (loss) for the period to be appropriated9905 | €25k | €27k | €17k | €8k | €13k | ▲ 60.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €205k | €227k | €243k | €249k | €247k | ▼ 0.9% |
| Fixed assets21/28 | €31k | €28k | €28k | €36k | €33k | ▼ 8.2% |
| Tangible fixed assets22/27 | €31k | €28k | €28k | €36k | €33k | ▼ 8.2% |
| Land and buildings22 | - | €12k | €17k | €33k | €31k | ▼ 4.5% |
| Plant, machinery and equipment23 | - | €3k | €2k | €1k | €731 | ▼ 43.3% |
| Furniture and vehicles24 | - | €13k | €8k | €2k | €1k | ▼ 40.7% |
| Current assets29/58 | €174k | €199k | €215k | €213k | €213k | ▲ 0.3% |
| Amounts receivable within one year40/41 | €159k | €178k | €179k | €182k | €176k | ▼ 3.1% |
| Trade receivables40 | - | €31k | €19k | €18k | €20k | ▲ 7.1% |
| Other amounts receivable41 | - | €147k | €160k | €163k | €156k | ▼ 4.3% |
| Cash at bank and in hand54/58 | €15k | €20k | €35k | €30k | €35k | ▲ 15.9% |
| Deferred charges and accrued income490/1 | - | €1k | €945 | €289 | €2k | ▲ 560% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €205k | €227k | €243k | €249k | €247k | ▼ 0.9% |
| Equity10/15 | €166k | €194k | €200k | €190k | €203k | ▲ 6.7% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €129k | €156k | €163k | €153k | €166k | ▲ 8.4% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | - | €12k | €12k | €12k | €12k | = |
| Distributable reserves133 | - | €143k | €149k | €139k | €152k | ▲ 9.2% |
| Profit (loss) carried forward14 | €31k | €31k | €31k | €31k | €31k | = |
| Amounts payable17/49 | €39k | €34k | €43k | €59k | €44k | ▼ 25.5% |
| Amounts payable after more than one year17 | - | - | - | €10k | €5k | ▼ 53.1% |
| Financial debts170/4 | - | - | - | €10k | €5k | ▼ 53.1% |
| Amounts payable within one year42/48 | €39k | €34k | €43k | €49k | €39k | ▼ 20.0% |
| Current portion of amounts payable after more than one year42 | - | €13k | €18k | €16k | €13k | ▼ 15.4% |
| Trade debts44 | €7k | €8k | €4k | €5k | €17k | ▲ 233% |
| Suppliers440/4 | - | €8k | €4k | €5k | €17k | ▲ 233% |
| Advances received on contracts in progress46 | - | - | €340 | - | - | - |
| Taxes, remuneration and social security45 | - | €11k | €7k | €8k | €6k | ▼ 15.7% |
| Taxes450/3 | - | €11k | €7k | €6k | €4k | ▼ 35.0% |
| Remuneration and social security454/9 | - | - | €590 | €2k | €3k | ▲ 37.8% |
| Other amounts payable47/48 | - | €3k | €13k | €21k | €3k | ▼ 87.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25k | €27k | €17k | €8k | €13k | ▲ 60.1% |
| + Depreciation and write-downs630 | €11k | €8k | €9k | €10k | €5k | ▼ 49.6% |
| Operating cash flow (approximation) | €36k | €35k | €25k | €18k | €18k | ▲ 0.1% |
| Investment in fixed assets (approximation) | - | €-5k | €-8k | €-18k | €-2k | ▲ 89.7% |
| Change in cash | - | €5k | €15k | €-5k | €5k | ▲ 202% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
State Gazette act
RestructuringMerger · Accounting effect2 facts ▸
State Gazette act
Restructuring
Merger · Accounting effect2 facts ▸
- Merger, DE GROM - CORNELIS RICHARD EN ZOON BV
- Accounting effect, 01/07/2026
16-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 43 days late
2025
01-07
Financial
Equity above €200kEq €203k ▲6.7%
7 profitable years in a row build equity to €203k.
28-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
01-07
Financial
Weakest financial yearnet €8k ▼52.8%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
01-07
Financial
Equity above €200kEq €200k ▲3.4%
5 profitable years in a row build equity to €200k.
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
01-07
Financial
Equity above €150kEq €166k ▲18%
3 profitable years in a row build equity to €166k.
05-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 32 days late
2020
01-07
Financial
Highest result since 2019net €43k ▲42.6%
Operating result €54k, net result €43k, both a record.
Show earlier events
01-07
Financial
Equity above €100kEq €141k ▲44.3%
2 profitable years in a row build equity to €141k.
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 4 days late
2018
12-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 49 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Haaltert · 1 establishment unit since 1998
Ground area
1,376 m²
Building footprint
402 m²
Volume, LiDAR
1,840 m³
Parcel 41024B0478/00D000, Flanders · tallest building 7.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
OPTIMIZE
since 19982.086.433.079
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41024B0478/00D000 | Flanders | 1,376 m² | 1 · 402 m² | 7.9 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
No current directors or connected companies found in the register.
Acquisitions and mergers
1 transactionTaken over by:DE GROM - CORNELIS RICHARD EN ZOON BV
Recognitions · licences · registrations
Food safety, FASFC
1 siteHaaltert2.086.433.079
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Of 9,698 companies in sector 68121 we hold annual accounts for 7,384. 5,324 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded25-03-1998
Fiscal year end01-07
Activities, NACEBEL 2025
68121Development of residential building projects
66210Risk and damage evaluation
71122Land surveying
Scores and ratios are computed by Checked and are not a credit decision.