Summary
OPTIMUM 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 €1.1m and a net result of €461,988. Equity is growing by ~25.4% per year across the filed fiscal years. Its solvency ranks better than 40% of 2460 sector peers (fiscal year 2025). The company has been active since 2000 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
on the day
2021
31 d late
2020
31 d late
2019
37 d early
← 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 3 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check 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 Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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Financials · fiscal year 2025, micro schema
In the rankings
#3 company by equity in Sint-Gillis-Waas, Finance and insurance sector#4 company by total assets in Sint-Gillis-Waas, Finance and insurance sector#6 oldest company in Sint-Gillis-Waas, Finance and insurance sector
Equity
€1.1m▲ 40.9%
2024 · €785,075
Net result
€461,988▲ 157%
2024 · €179,985
Total assets
€2.8m▲ 89.6%
2024 · €1.5m
Solvency
38.9%▼ 13.4pp
2024 · 52.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€106,411▼ 54.9%€113,017▲ 6.2%€336,299▲ 198%€257,618▼ 23.4%€712,942▲ 177%
Net result€84,870above the sector's middle half▼ 39.6%€72,788above the sector's middle half▼ 14.2%€224,165above the sector's middle half▲ 208%€179,985above the sector's middle half▼ 19.7%€461,988above the sector's middle half▲ 157%
Equity€365,757above the sector's middle half▲ 14.6%€416,009above the sector's middle half▲ 13.7%€632,504above the sector's middle half▲ 52.0%€785,075above the sector's middle half▲ 24.1%€1.1mabove the sector's middle half▲ 40.9%
Total assets€1.1mabove the sector's middle half▼ 1.5%€1.1mabove the sector's middle half▲ 2.9%€1.4mabove the sector's middle half▲ 28.1%€1.5mabove the sector's middle half▲ 6.9%€2.8mabove the sector's middle half▲ 89.6%
Debt€694,025▼ 8.3%€679,302▼ 2.1%€770,454▲ 13.4%€714,018▼ 7.3%€1.7m▲ 143%
Working capital€12,371€121,535▲ 882%€274,601▲ 126%€412,313▲ 50.1%€587,444▲ 42.5%
Solvency34.4%within the sector's middle half▲ 4.8pp38.0%within the sector's middle half▲ 3.6pp45.1%within the sector's middle half▲ 7.1pp52.4%within the sector's middle half▲ 7.3pp38.9%within the sector's middle half▼ 13.4pp
Staff (FTE)1.8▼ 21.7%1.7▼ 5.6%2.2▲ 29.4%3▲ 36.4%3.3▲ 10.0%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 177% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.8m
Fixed assets
€1.7m ▲ 105%
Current assets
€1.1m ▲ 70.7%
Equity and liabilities €2.8m
Equity
€1.1m ▲ 40.9%
Provisions
€479 =
Debt
€1.7m ▲ 143%
Debt's share of the balance-sheet total rises from 47.6% to 61.1%. Equity and debt are higher.
Key figures and ratios
ROE
41.8%▲
2024 · 22.9%
ROA
16.2%▲
2024 · 12.0%
Debt ≤ 1 year
€546,150▲
2024 · €251,630
Debt > 1 year
€1.2m▲
2024 · €436,754
Income taxes
€220,268▲
2024 · €66,922
Staff costs
€208,581▼
2024 · €240,868
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 | €0 | - | - | - | €22,761 | - |
| Remuneration, social security and pensions62 | €95,548 | €75,660 | €148,044 | €240,868 | €208,581 | ▼ 13.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €94,748 | €99,349 | €106,348 | €110,568 | €218,453 | ▲ 97.6% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €0 | -€4,521 | €0 | - | - | - |
| Other operating charges640/8 | €5,174 | €5,408 | €6,142 | €8,837 | €9,302 | ▲ 5.3% |
| Non-recurring operating charges66A | - | €21,088 | €0 | - | - | - |
| Gross operating margin9900 | €301,881 | €310,001 | €596,833 | €617,891 | €1.1m | ▲ 86.0% |
| Operating profit (loss)9901 | €106,411 | €113,017 | €336,299 | €257,618 | €712,942 | ▲ 177% |
| Financial income75/76B | €45 | €0 | €609 | €1,784 | €5,817 | ▲ 226% |
| Recurring financial income75 | €45 | €0 | €609 | €1,784 | €5,817 | ▲ 226% |
| Financial charges65/66B | €10,689 | €9,508 | €15,933 | €12,496 | €36,504 | ▲ 192% |
| Recurring financial charges65 | €10,689 | €9,508 | €15,933 | €12,496 | €36,504 | ▲ 192% |
| Profit (loss) for the period before taxes9903 | €95,767 | €103,510 | €320,975 | €246,907 | €682,255 | ▲ 176% |
| Income taxes67/77 | €10,897 | €30,721 | €96,810 | €66,922 | €220,268 | ▲ 229% |
| Profit (loss) for the period9904 | €84,870 | €72,788 | €224,165 | €179,985 | €461,988 | ▲ 157% |
| Transfer from tax-exempt reserves789 | €10,500 | €0 | - | - | €42,100 | - |
| Transfer to tax-exempt reserves689 | €42,100 | €0 | €52,625 | €105,250 | €0 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €53,270 | €72,788 | €171,540 | €74,735 | €504,088 | ▲ 575% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.1m | €1.4m | €1.5m | €2.8m | ▲ 89.6% |
| Fixed assets21/28 | €796,659 | €683,708 | €854,453 | €835,630 | €1.7m | ▲ 105% |
| Intangible fixed assets21 | €241,685 | €190,283 | €138,882 | €87,480 | €711,857 | ▲ 714% |
| Tangible fixed assets22/27 | €554,724 | €493,175 | €715,321 | €747,899 | €997,570 | ▲ 33.4% |
| Land and buildings22 | €521,645 | €467,379 | €656,803 | €706,125 | €967,457 | ▲ 37.0% |
| Plant, machinery and equipment23 | €2,404 | €2,037 | €1,669 | €1,410 | €2,605 | ▲ 84.8% |
| Furniture and vehicles24 | €30,676 | €23,760 | €56,849 | €40,365 | €27,508 | ▼ 31.9% |
| Financial fixed assets28 | €250 | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €268,122 | €412,082 | €548,984 | €663,943 | €1.1m | ▲ 70.7% |
| Amounts receivable within one year40/41 | €6,004 | €53,922 | €1,532 | €119,578 | €77,380 | ▼ 35.3% |
| Trade receivables40 | €0 | €47,918 | €1,532 | €49,000 | €6,802 | ▼ 86.1% |
| Other amounts receivable41 | €6,004 | €6,004 | €0 | €70,578 | €70,578 | = |
| Current investments50/53 | €31,091 | €33,031 | €22,906 | €32,856 | €36,414 | ▲ 10.8% |
| Cash at bank and in hand54/58 | €222,639 | €319,540 | €431,304 | €475,828 | €980,035 | ▲ 106% |
| Deferred charges and accrued income490/1 | €8,389 | €5,589 | €93,243 | €35,680 | €39,766 | ▲ 11.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.1m | €1.4m | €1.5m | €2.8m | ▲ 89.6% |
| Equity10/15 | €365,757 | €416,009 | €632,504 | €785,075 | €1.1m | ▲ 40.9% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €345,757 | €396,009 | €612,504 | €765,075 | €1.1m | ▲ 42.0% |
| Tax-exempt reserves132 | €42,100 | €42,100 | €94,725 | €199,975 | €157,875 | ▼ 21.1% |
| Distributable reserves133 | €303,657 | €353,909 | €517,779 | €565,100 | €928,594 | ▲ 64.3% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Provisions and deferred taxes16 | €5,000 | €479 | €479 | €479 | €479 | = |
| Provisions for liabilities and charges160/5 | €5,000 | €479 | €479 | €479 | €479 | = |
| Environmental obligations163 | €5,000 | €479 | €479 | €479 | €479 | = |
| Amounts payable17/49 | €694,025 | €679,302 | €770,454 | €714,018 | €1.7m | ▲ 143% |
| Amounts payable after more than one year17 | €428,273 | €388,256 | €483,335 | €436,754 | €1.2m | ▲ 172% |
| Financial debts170/4 | €428,273 | €388,256 | €483,335 | €436,754 | €1.2m | ▲ 172% |
| Amounts payable within one year42/48 | €255,751 | €290,546 | €274,383 | €251,630 | €546,150 | ▲ 117% |
| Current portion of amounts payable after more than one year42 | €41,301 | €40,018 | €56,888 | €52,093 | €133,964 | ▲ 157% |
| Trade debts44 | €11,367 | €9,641 | €28,385 | €38,480 | €37,302 | ▼ 3.1% |
| Suppliers440/4 | €11,367 | €9,641 | €28,385 | €38,480 | €37,302 | ▼ 3.1% |
| Taxes, remuneration and social security45 | €17,061 | €30,262 | €67,951 | €38,504 | €126,184 | ▲ 228% |
| Taxes450/3 | €923 | €17,782 | €37,447 | €0 | €91,506 | - |
| Remuneration and social security454/9 | €16,139 | €12,480 | €30,504 | €38,504 | €34,678 | ▼ 9.9% |
| Other amounts payable47/48 | €186,021 | €210,625 | €121,159 | €122,552 | €248,700 | ▲ 103% |
| Accrued charges and deferred income492/3 | €10,000 | €500 | €12,737 | €25,634 | €651 | ▼ 97.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €84,870 | €72,788 | €224,165 | €179,985 | €461,988 | ▲ 157% |
| + Depreciation and write-downs630 | €94,748 | €99,349 | €106,348 | €110,568 | €218,453 | ▲ 97.6% |
| Operating cash flow (approximation) | €179,617 | €172,138 | €330,513 | €290,553 | €680,440 | ▲ 134% |
| Investment in fixed assets (approximation) | - | €13,601 | -€277,092 | -€91,745 | -€1.1m | ▼ 1,091% |
| Change in cash | - | €96,901 | €111,764 | €44,524 | €504,207 | ▲ 1,032% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €461,988 ▲157%
Operating result €712,942, net result €461,988, both a record.
31-12
Financial
Equity above €1mEq €1.1m ▲40.9%
8 profitable years in a row build equity to €1.1m.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500,000Eq €632,504 ▲52%
6 profitable years in a row build equity to €632,504.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Sint-Gillis-Waas · 1 establishment unit since 2000
Ground area
209 m²
Building footprint
185 m²
Volume, LiDAR
1,025 m³
Parcel 46020C1090/00B002, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kasteelstraat(SGW) 4, 9170 Sint-Gillis-Waas
since 20002.099.430.980
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46020C1090/00B002 | Flanders | 209 m² | 1 · 185 m² | 9.6 m · 2 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.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,097 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
Founded04-02-2000
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0470555809
Also
9925:BE0470555809
Registered
24-11-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.