OPTIMUM
ActiveSummary
The computed 12-month bankruptcy probability of OPTIMUM is 2.0% (moderate). The 2024 annual accounts show equity of €29k and a net result of €34k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 32% of 9982 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+53
Solvency50▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.33 against 1.19 in 2023; short-term debt: 75% and cash: 35.7% of total assets), and 75.1% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
24.9%
Return on assets
29.4%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-11-2025, 106 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
106 d late
2023
7 d early
2022
37 d late
2021
144 d late
2020
172 d late
2019
104 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€29k=
2023 · €29k
2018: €19k
2019: €20k
2020: €20k
2021: €21k
2022: €23k
2023: €29k
2018 → 2024
Total assets
€117k▼ 34.9%
2023 · €180k
2018: €143k
2019: €127k
2020: €225k
2021: €61k
2022: €75k
2023: €180k
2018 → 2024
Net result
€34k▲ 428%
2023 · €7k
2018: €2k
2019: €970
2020: €246
2021: €823
2022: €2k
2023: €7k
2018 → 2024
Working capital
€29k▲ 0.3%
2023 · €29k
2018: €6k
2019: €19k
2020: €21k
2021: €22k
2022: €23k
2023: €29k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€20k-€21k▲ 4.1%€23k▲ 8.7%€29k▲ 28.8%€29k=
Operating result€2k-€3k▲ 75.7%€3k▼ 13.6%€9k▲ 225%€38k▲ 323%
Net result€246-€823▲ 235%€2k▲ 119%€7k▲ 261%€34k▲ 428%
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 two years in a row; 2024 is 323% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €117k
Equity
€29k =
Debt
€88k ▼ 41.6%
Debt's share of the balance-sheet total falls from 83.8% to 75.1%. Debt is lower.
Key figures and ratios
Current ratio
1.33▲
2023 · 1.19
Debt to equity
3.02▼
2023 · 5.17
ROE
118.0%▲
2023 · 22.3%
ROA
29.4%▲
2023 · 3.6%
Debt ≤ 1 year
€88k▼
2023 · €151k
Income taxes
€9k▲
2023 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 40 lines
Balance sheet
Code20232024
Assets
Total assets20/58€180k€117k▼
Fixed assets21/28€0€0=
Tangible fixed assets22/27€0€0=
Furniture and vehicles24€0€0=
Current assets29/58€180k€117k▼
Amounts receivable within one year40/41€136k€75k▼
Trade receivables40€39k€15k▼
Other amounts receivable41€98k€61k▼
Cash at bank and in hand54/58€43k€42k▼
Equity and liabilities
Total equity and liabilities10/49€180k€117k▼
Equity10/15€29k€29k=
Contributions10/11€19k€19k=
Reserves13€91€91=
Non-distributable reserves130/1€91-
Reserves not available under the articles1311€91-
Distributable reserves133-€91
Profit (loss) carried forward14€10k€10k=
Amounts payable17/49€151k€88k▼
Amounts payable within one year42/48€151k€88k▼
Trade debts44€33k€23k▼
Suppliers440/4€33k€23k▼
Advances received on contracts in progress46€114k€46k▼
Taxes, remuneration and social security45€3k€19k▲
Taxes450/3€3k€19k▲
Accrued charges and deferred income492/3-€89
Income statement
Code20232024
Other operating charges640/8€2k€1k▼
Gross operating margin9900€11k€39k▲
Operating profit (loss)9901€9k€38k▲
Financial income75/76B€68€6k▲
Recurring financial income75€68€6k▲
Financial charges65/66B€201€670▲
Recurring financial charges65€201€670▲
Profit (loss) for the period before taxes9903€9k€43k▲
Income taxes67/77€2k€9k▲
Profit (loss) for the period9904€7k€34k▲
Profit (loss) for the period to be appropriated9905€7k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€45k▲
Profit (loss) brought forward from the previous period14P€4k€10k▲
Profit to be distributed694/7-€34k
Return on contributions (dividend)694-€34k
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 106 days late
2024
31-12
Financial
Highest result since 2018net €34k ▲428%
Operating result €38k, net result €34k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 37 days late
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 144 days late
19-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 172 days late
2020
31-12
Financial
Weakest financial yearnet €246 ▼74.7%
Net result drops to €246, the lowest in the series; recovery starts the following year.
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 104 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 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.
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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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2017
Ground area
182 m²
Building footprint
101 m²
Volume, LiDAR
1,070 m³
Parcel 21812N0221/00C000, Brussels · tallest building 17.7 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
OPTIMUM
since 20172.261.438.697
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21812N0221/00C000 | Brussels | 182 m² | 1 · 101 m² | 17.7 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.261.438.697
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,401 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43910Bricklaying and masonry work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.