Optimy
ActiveOptimy has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.15M and a net result of €519k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 60% of 1395 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+65
Solvency74▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity ample (current ratio 4.32 against 2.6 in 2024; short-term debt: 22.9% and cash: 16.5% of total assets), but 51% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
49%
Return on assets
11.9%
Age of the figures
9 mo
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
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
53 d late
2023
42 d early
2022
45 d early
2021
54 d early
2020
51 d early
2019
50 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€519k
2024 · €-71k
2018: €-261k
2019: €-483k
2020: €-697k
2021: €-533k
2022: €-820k
2023: €-671k
2024: €-71k
2018 → 2025
Working capital
€3.33M▲ 25.2%
2024 · €2.66M
2018: €1.34M
2019: €2.88M
2020: €2.38M
2021: €3.80M
2022: €3.11M
2023: €2.86M
2024: €2.66M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.19M-€2.37M▼ 25.7%€1.70M▼ 28.3%€1.63M▼ 4.2%€2.15M▲ 31.9%
Operating result€-505k-€-789k▼ 56.3%€-638k▲ 19.2%€15k€574k▲ 3,679%
Net result€-533k-€-820k▼ 53.9%€-671k▲ 18.2%€-71k▲ 89.4%€519k
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 3,679% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.38M
Fixed assets
€45k▼ 65.4%
Current assets
€4.34M▲ 0.3%
Equity and liabilities €4.38M
Equity
€2.15M▲ 31.9%
Debt
€2.24M▼ 20.9%
The debt ratio falls from 63.5% to 51.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€584k▲
2024 · €25k
Cash flow
€529k▲
2024 · €-62k
Solvency
49.0%▲
2024 · 36.5%
Current ratio
4.32▲
2024 · 2.60
Quick ratio
4.32▲
2024 · 2.60
Debt / equity
1.04▼
2024 · 1.74
ROE
24.2%▲
2024 · -4.4%
ROA
11.9%▲
2024 · -1.6%
Interest coverage
6.96▲
2024 · 0.27
Debt
€2.24M▼
2024 · €2.83M
Debt ≤ 1 year
€1.00M▼
2024 · €1.66M
Debt > 1 year
€567k▼
2024 · €793k
Income taxes
€0▼
2024 · €2k
Staff costs
€1.63M▼
2024 · €2.48M
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€4.45M€4.38M▼
Formation expenses20-€0
Fixed assets21/28€131k€45k▼
Tangible fixed assets22/27€20k€21k▲
Furniture and vehicles24€6k€10k▲
Other tangible fixed assets26€14k€11k▼
Financial fixed assets28€111k€24k▼
Current assets29/58€4.32M€4.34M▲
Amounts receivable within one year40/41€3.07M€3.41M▲
Trade receivables40€2.67M€2.10M▼
Other amounts receivable41€400k€1.31M▲
Current investments50/53€500k€100▼
Cash at bank and in hand54/58€594k€721k▲
Deferred charges and accrued income490/1€161k€202k▲
Equity and liabilities
Total equity and liabilities10/49€4.45M€4.38M▼
Equity10/15€1.63M€2.15M▲
Contributions10/11€5.01M€5.01M=
Capital10€1.54M€1.54M=
Issued capital100€1.54M€1.54M=
Outside capital11€3.47M€3.47M=
Share premium1100/10€3.47M€3.47M=
Reserves13€9k€9k=
Non-distributable reserves130/1€9k€9k=
Legal reserve130€9k€9k=
Profit (loss) carried forward14€-3.39M€-2.87M▲
Amounts payable17/49€2.83M€2.24M▼
Amounts payable after more than one year17€793k€567k▼
Financial debts170/4€793k€567k▼
Amounts payable within one year42/48€1.66M€1.00M▼
Current portion of amounts payable after more than one year42€312k€225k▼
Trade debts44€1.16M€652k▼
Suppliers440/4€1.16M€652k▼
Taxes, remuneration and social security45€187k€127k▼
Taxes450/3€12k-
Remuneration and social security454/9€176k€127k▼
Accrued charges and deferred income492/3€373k€664k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2.48M€1.63M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€2.51M€2.22M▼
Operating profit (loss)9901€15k€574k▲
Financial income75/76B€9k€29k▲
Recurring financial income75€9k€29k▲
Financial charges65/66B€93k€84k▼
Recurring financial charges65€93k€84k▼
Non-recurring financial charges66B€375-
Profit (loss) for the period before taxes9903€-69k€519k▲
Income taxes67/77€2k€0▼
Profit (loss) for the period9904€-71k€519k▲
Profit (loss) for the period to be appropriated9905€-71k€519k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3.39M€-2.87M▲
Profit (loss) brought forward from the previous period14P€-3.32M€-3.39M▼
Social balance
Average headcount (FTE)908730.020.6▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €519k
Net result €519k after 7 loss-making years.
31-12
Financial
Equity above €2MEq €2.15M ▲31.9%
Equity rises from €1.63M to €2.15M.
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 53 days late
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-820k
Net result drops to €-820k, the lowest in the series; recovery starts the following year.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €2MEq €3.19M ▲113%
Equity rises from €1.50M to €3.19M.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €1MEq €1.80M ▲177%
Equity rises from €651k to €1.80M.
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
15 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, Watermaal-Bosvoorde · 1 establishment unit since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Terhulpsesteenweg 1661170 Watermaal-BosvoordeGround area
3.2 ha
Building footprint
7,322 m²
Volume, LiDAR
125,390 m³
Parcel 21652E0030/00D002, Brussels · tallest building 21.0 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
MYSPONSOR
since 20102.211.698.483
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0030/00D002 | Brussels | 3.2 ha | 1 · 7,322 m² | 21.0 m · 6 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).
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Of 3,212 companies in sector 62900 we hold annual accounts for 1,742. 522 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-03-2010
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.