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Generated 31-08-2026
Active BE 0645.688.814Private limited company

Optimum Insurance Group

Itterbeeksebaan 32 ·1700 Dilbeek, Belgium· 10 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of Optimum Insurance Group is 1.2% (low). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 10 yrs
Board 1
Publications 4
Bankruptcy probability (12 mo) Checked model v1 · free
1.2% Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2016, 10 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financial overview9 NBB filings
Financials being processed
NBB has 9 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 micro 18-08-2025 2025-00379127
31-12-2023 micro 05-07-2024 2024-00222544
31-12-2022 micro 25-03-2024 2024-00048871
31-12-2021 micro 13-10-2022 2022-20459282
31-12-2020 micro 17-02-2022 2022-05800561
31-12-2019 micro 25-11-2020 2020-73000349
31-12-2018 micro 30-09-2019 2019-68300343
31-12-2017 micro 26-09-2018 2018-67100235
31-12-2016 micro 05-01-2018 2018-00700425
Directors & mandates 3 directors
Current directors & mandates
  • InsurProtectPrivate limited company
    Director· perm. rep.: IOOS Ludovic
    State Gazette act 26304641 (22-01-2026)
    Current
    01-01-2026 → present
Former directors (2)
  • ARNOLIS Jean
    Director
    State Gazette act 21301655 (08-01-2021)
    Former
    08-01-2021 → 01-01-2026
    3 events
    • 01-01-2026 Resigned· Director
    • 08-01-2021 Resigned· Director
    • 08-01-2021 Appointed· Director
  • DE CONINCK Michèle
    Director
    State Gazette act 21301655 (08-01-2021)
    Former
    08-01-2021 → 01-01-2026
    3 events
    • 01-01-2026 Resigned· Director
    • 08-01-2021 Resigned· Director
    • 08-01-2021 Appointed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary -
Legal form Private limited company(610)
Incorporation07-01-2016
StatusActive
Postal code1700
Connections & network 1 connected companies
Group structure
InsurProtect
Sits on the board · 1 subsidiary · 1 location
Control→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control 1 parties
Control over this companysits on this company's board1
InsurProtect
1 subsidiary · 1 location
controls
Optimum Insurance GroupBE 0645.688.814

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23352F0063/00N000 Flanders 396 m² 1 · 154 m² 9.9 m · 3 fl.
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.
Updates 13 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
22-01-2026
State Gazette act Director changes
v3.2
2025
18-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
05-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
25-03-2024
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
22-12-2022
State Gazette act Statutes amendment
v3.2
13-10-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
17-02-2022
NBB filing Annual accounts filed
fiscal year 2020 · micro
2021
08-01-2021
State Gazette act Capital & shares
v3.2
2020
25-11-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
30-09-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
26-09-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
05-01-2018
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
11-01-2016
State Gazette act Incorporation
oprichting
Belgian State Gazette reading coverage 0 of 4 acts read

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.

Belgisch Staatsblad, acts 4 acts
Capital history · 1
08-01-2021
v3.2
All acts · 4 updated 7 months ago
2026
22-01-2026 1 director appointed, 2 resigning Director changes
  • IOOS Ludovic, Bestuurder
  • DE CONINCK Michèle, Bestuurder
  • ARNOLIS Jean, Bestuurder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "DE CONINCK Mich\u00E8le",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2026-01-01",
      "evidence_quote": "De vergadering bekrachtigt het besluit van de buitengewone algemene vergadering de dato 1 januari 2026, waarbij de hierna genoemde personen werden ontslaan, -als statutair bestuurder van de vennootschap: Mevrouw DE CONINCK Mich\u00E8le, wonende te 8670 Koksijde, Prof Blanchardlaan12/305.",
      "discharge_granted": true
    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "ARNOLIS Jean",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2026-01-01",
      "evidence_quote": "De vergadering bekrachtigt het besluit van de buitengewone algemene vergadering de dato 1 januari 2026, waarbij de hierna genoemde personen werden ontslaan, -als bestuurder van de vennootschap: De heer ARNOLIS Jean, wonende te 9300 Aalst, Wateringen 18.",
      "discharge_granted": true
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "IOOS Ludovic",
        "address": null,
        "birth_date": null
      },
      "via_org": {
        "kbo": "0756804490",
        "name": "InsurProtect",
        "address": null,
        "country": null,
        "legal_form": null
      },
      "effective_date": "2026-01-01",
      "evidence_quote": "De vergadering bekrachtigt vervolgens het besluit van de buitengewone algemene vergadering de dato 1 januari 2026, waarbij de hierna genoemde partij werden benoemd tot bestuurder van de vennootschap: De besloten vennootschap \u0022InsurProtect\u0022, met zetel te 1160 Oudergem, Herrmann-Debrouxlaan 40-42, rec"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0645.688.814",
    "name_full": "OPTIMUM INSURANCE GROUP",
    "legal_form": "BV"
  }
}
2022
22-12-2022 Articles of association amended Statutes amendment
Summary: v3.2
Technical details 
{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": false,
    "object_change": false,
    "effective_date": "2022-12-15",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0645.688.814",
    "name_full": "OPTIMUM INSURANCE GROUP",
    "legal_form": "BV"
  },
  "signature_regime": null,
  "special_mandates": [],
  "governance_change": {
    "admin_delegated_added": []
  }
}
2021
08-01-2021 Transaction in capital or shares Capital & shares
Summary: v3.2
Technical details 
{
  "events": [],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0645.688.814",
    "name_full": "OPTIMUM INSURANCE GROUP",
    "legal_form": "BVBA"
  }
}
2016
11-01-2016 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "Itterbeeksebaan 32, 1700 Dilbeek",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1946-06-29",
        "name": "De heer ARNOLIS Jean Christian Francois",
        "niss": null,
        "address": "9300 Aalst, Wateringen, 18"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3100,
      "holder_person_name": "De heer ARNOLIS Jean Christian Francois",
      "is_subscriber_only": false,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 9300,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1965-07-19",
        "name": "Mevrouw DE CONINCK Mich\u00E8le",
        "niss": null,
        "address": "9300 Aalst, Zijpbeekstraat 25"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3100,
      "holder_person_name": "Mevrouw DE CONINCK Mich\u00E8le",
      "is_subscriber_only": false,
      "n_shares_subscribed": 50,
      "amount_subscribed_eur": 9300,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 18600,
  "subject_company": {
    "kbo": "0645.688.814",
    "name_full": "Optimum Insurance Group",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2015-01-06",
  "post_incorporation_mandates": []
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL Optimum Insurance Group
Registered office
Itterbeeksebaan 32
1700 Dilbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative