Summary
OPTIMO 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 €1.5m and a net result of €198,614. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 30% of 5558 sector peers (fiscal year 2025). The company has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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 check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
on the day
2023
36 d late
2022
71 d late
2021
88 d late
2020
31 d late
2018
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 40 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date Which other companies resemble this one?Lookalike companies
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
In the rankings
#10 oldest company in Etterbeek, Finance and insurance sector
Equity
€1.5m▲ 10.0%
2024 · €1.4m
Net result
€198,614
2024 · -€39,319
Total assets
€5.2m▼ 1.4%
2024 · €5.3m
Solvency
29.1%▲ 3.0pp
2024 · 26.1%
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€562,163-€32,842-€20,922▲ 36.3%€10,739€211,863▲ 1,873%
Net result€546,318-€95,653-€88,021▲ 8.0%-€39,319▲ 55.3%€198,614
Equity€1.6m▲ 52.1%€1.5m▼ 6.0%€1.4m▼ 5.9%€1.4m▼ 2.8%€1.5m▲ 10.0%
Total assets€5.7m▲ 171%€5.7m▲ 0.1%€5.5m▼ 3.5%€5.3m▼ 3.8%€5.2m▼ 1.4%
Debt€3.7m▲ 445%€3.8m▲ 3.1%€3.7m▼ 2.6%€3.5m▼ 4.3%€3.3m▼ 6.7%
Working capital-€2.3m-€2.4m▼ 4.4%-€2.6m▼ 6.8%-€2.6m▼ 1.5%-€2.2m▲ 14.1%
Solvency28.2%▼ 22.0pp26.5%▼ 1.7pp25.8%▼ 0.7pp26.1%▲ 0.3pp29.1%▲ 3.0pp
Turnover and EBIT margin not published: the abbreviated or 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 1,873% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.2m
Fixed assets
€4.1m ▼ 4.7%
Current assets
€1.1m ▲ 14.1%
Equity and liabilities €5.2m
Equity
€1.5m ▲ 10.0%
Provisions
€379,927 ▲ 6.9%
Debt
€3.3m ▼ 6.7%
Debt's share of the balance-sheet total falls from 67.2% to 63.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
13.2%▲
2024 · -2.9%
ROA
3.8%▲
2024 · -0.7%
Debt ≤ 1 year
€3.3m▼
2024 · €3.5m
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €563,859 | - | - | - | €2,093 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,544 | €45,623 | €45,623 | €61,918 | €44,439 | ▼ 28.2% |
| Other operating charges640/8 | €4,860 | €17,039 | €14,895 | €9,723 | €22,858 | ▲ 135% |
| Gross operating margin9900 | €581,567 | €29,820 | €39,596 | €82,379 | €279,160 | ▲ 239% |
| Operating profit (loss)9901 | €562,163 | -€32,842 | -€20,922 | €10,739 | €211,863 | ▲ 1,873% |
| Financial charges65/66B | €19,037 | €72,764 | €76,512 | €59,941 | €49,652 | ▼ 17.2% |
| Recurring financial charges65 | €19,037 | €72,764 | €76,512 | €59,941 | €49,652 | ▼ 17.2% |
| Profit (loss) for the period before taxes9903 | €543,126 | -€105,606 | -€97,433 | -€49,202 | €162,211 | ▲ 430% |
| Transfer from deferred taxes780 | €3,192 | €10,103 | €9,738 | €10,103 | €36,403 | ▲ 260% |
| Income taxes67/77 | - | €150 | €325 | €220 | - | - |
| Profit (loss) for the period9904 | €546,318 | -€95,653 | -€88,021 | -€39,319 | €198,614 | ▲ 605% |
| Transfer from tax-exempt reserves789 | €6,199 | €19,620 | €18,912 | €19,620 | €70,697 | ▲ 260% |
| Transfer to tax-exempt reserves689 | - | - | - | - | €243,663 | - |
| Profit (loss) for the period to be appropriated9905 | €552,517 | -€76,033 | -€69,109 | -€19,700 | €25,648 | ▲ 230% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.7m | €5.7m | €5.5m | €5.3m | €5.2m | ▼ 1.4% |
| Fixed assets21/28 | €4.5m | €4.4m | €4.4m | €4.3m | €4.1m | ▼ 4.7% |
| Tangible fixed assets22/27 | €2.3m | €2.2m | €2.2m | €2.1m | €1.9m | ▼ 9.8% |
| Land and buildings22 | €2.2m | €2.2m | €2.2m | €2.1m | €1.9m | ▼ 9.8% |
| Plant, machinery and equipment23 | €4,160 | €1,186 | €2,880 | €2,240 | €1,600 | ▼ 28.6% |
| Financial fixed assets28 | €2.2m | €2.2m | €2.2m | €2.2m | €2.2m | = |
| Current assets29/58 | €1.2m | €1.2m | €1.1m | €924,427 | €1.1m | ▲ 14.1% |
| Amounts receivable within one year40/41 | €1.2m | €1.1m | €1.1m | €919,736 | €1.1m | ▲ 14.6% |
| Trade receivables40 | €32,041 | €0 | - | - | - | - |
| Other amounts receivable41 | €1.1m | €1.1m | €1.1m | €919,736 | €1.1m | ▲ 14.6% |
| Cash at bank and in hand54/58 | €1,200 | €145,469 | €12,693 | €4,691 | €196 | ▼ 95.8% |
| Deferred charges and accrued income490/1 | €2,964 | €3,410 | €5,438 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.7m | €5.7m | €5.5m | €5.3m | €5.2m | ▼ 1.4% |
| Equity10/15 | €1.6m | €1.5m | €1.4m | €1.4m | €1.5m | ▲ 10.0% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Revaluation surpluses12 | €190,000 | €190,000 | - | - | - | - |
| Reserves13 | €754,582 | €734,962 | €716,050 | €696,431 | €808,481 | ▲ 16.1% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Tax-exempt reserves132 | €748,382 | €728,762 | €709,850 | €690,231 | €802,281 | ▲ 16.2% |
| Profit (loss) carried forward14 | €588,298 | €512,265 | €443,157 | €423,457 | €449,105 | ▲ 6.1% |
| Investment grants15 | - | - | €190,000 | €190,000 | €190,000 | = |
| Provisions and deferred taxes16 | €385,358 | €375,256 | €365,518 | €355,415 | €379,927 | ▲ 6.9% |
| Provisions for liabilities and charges160/5 | €385,358 | €375,256 | - | - | - | - |
| Taxes161 | €385,358 | €375,256 | - | - | - | - |
| Deferred taxes168 | - | - | €365,518 | €355,415 | €379,927 | ▲ 6.9% |
| Amounts payable17/49 | €3.7m | €3.8m | €3.7m | €3.5m | €3.3m | ▼ 6.7% |
| Amounts payable after more than one year17 | €174,472 | €111,853 | €48,295 | - | - | - |
| Financial debts170/4 | €174,472 | €111,853 | €48,295 | - | - | - |
| Amounts payable within one year42/48 | €3.5m | €3.6m | €3.6m | €3.5m | €3.3m | ▼ 6.7% |
| Current portion of amounts payable after more than one year42 | - | €62,619 | - | - | - | - |
| Financial debts43 | €1.3m | €1.4m | €1.9m | €1.2m | €1.1m | ▼ 8.5% |
| Credit institutions430/8 | €1.3m | €1.4m | €1.9m | €1.2m | €1.1m | ▼ 8.5% |
| Trade debts44 | €604,576 | €604,206 | €651,645 | €658,819 | €657,896 | ▼ 0.1% |
| Suppliers440/4 | €604,576 | €604,206 | €651,645 | €658,819 | €657,896 | ▼ 0.1% |
| Taxes, remuneration and social security45 | €83,438 | €64,579 | €51,825 | €54,143 | €12,709 | ▼ 76.5% |
| Taxes450/3 | €83,438 | €64,579 | €51,825 | €54,143 | €12,709 | ▼ 76.5% |
| Other amounts payable47/48 | €1.5m | €1.5m | €1.1m | €1.6m | €1.5m | ▼ 5.7% |
| Accrued charges and deferred income492/3 | €24,876 | €49,266 | €2,366 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €546,318 | -€95,653 | -€88,021 | -€39,319 | €198,614 | ▲ 605% |
| + Depreciation and write-downs630 | €14,544 | €45,623 | €45,623 | €61,918 | €44,439 | ▼ 28.2% |
| Operating cash flow (approximation) | €560,861 | -€50,030 | -€42,398 | €22,598 | €243,053 | ▲ 976% |
| Investment in fixed assets (approximation) | - | -€2,370 | €2 | €0 | €161,337 | - |
| Change in cash | - | €144,269 | -€132,776 | -€8,002 | -€4,495 | ▲ 43.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Back to profitnet €198,614
Net result €198,614 after 3 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 36 days late
2023
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 88 days late
2021
31-12
Financial
Back to profitnet €546,318
Net result €546,318 after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 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, Etterbeek · 1 establishment unit since 1991
Ground area
316 m²
Building footprint
257 m²
Volume, LiDAR
1,845 m³
Parcel 21362B0037/00C005, Brussels · tallest building 16.8 m, ±1 floor. Linked by address, not a title deed.
12
companies at this address
See who is registered here
1 establishment unit
FORVILLEINVEST
since 19912.052.418.842
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0037/00C005 | Brussels | 316 m² | 1 · 257 m² | 16.8 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.
Similar companies · same sector, comparable size
Ansy
BE 1010.710.009
Baarle-Hertog · Eq €1,509,694
Eljasa
BE 1010.709.019
Baarle-Hertog · Eq €1,509,347
LUXOSTIUM GROUP
BE 0750.650.732
Bertrix · Eq €1,509,853
FVD
BE 0832.233.670
Hoogstraten · Eq €1,509,243
Edero
BE 0405.560.859
Roeselare · Eq €1,510,092
Of 24,730 companies in sector 64210 we hold annual accounts for 19,772. 11,728 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded31-10-1990
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.