Turnover
≈ €570,000 estimated
The micro format states no turnover.
OPTIOR
Overview
Lifetime
1 annual account with figurespeak €395,631 (2025)
€395,631
peak €254,492 (2025)
€254,492
peak €256,992 (2025)
€256,992
€146,693
Board1 name since 2024
1 directorJAMINE
Documentsfilings and deeds
30-03-202631 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsStarting capital
€2,500 100 shares
Position in the sector
€254,492
Higher net result than 95% of companies in head offices and management consultancy. Sector median €27,138 · 39,392 companies.
Checked score
96
Excellent
Financially stronger than 66% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2025: 0.4%
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.5%▲ +0.1 percentage points vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026
04-2026: 0.5%● unchanged vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.6%▲ +0.1 percentage points vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026
08-2026: 0.6%● unchanged vs 07-2026highest value
09-2026: 0.6%● unchanged vs 08-2026highest value
10-2026: < 0.1%▼ -0.6 percentage points vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 2.26, cash €98,961
Size: total assets €403,685
Equity €256,992 (63.7% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 59% of them on solvency, 56% on liquidity and 84% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as OPTIOR has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of OPTIOR itself is lower: < 0.1% within 12 months. It rests on far more data about OPTIOR than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for OPTIOR. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €24,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 2.26, above the usual 1.5. Short-term debt is 36.3% and cash 24.5% of total assets. 36.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
31 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- MEIRE,Nicolas Guido Marie Paul founderdeed of 23-07-2024
- DEWAELE,Cindy Willy Marie Louise founderdeed of 23-07-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1011748602
Incorporation
Founding capital of €2,500, 100 shares · Founders: MEIRE, Nicolas Guido Marie Paul; DEWAELE, Cindy Willy Marie Louise · Appointment: JAMINE (director) · published on 23-07-2024 · Gazette deed
First establishment
Jan Van Looylaan 67, Koksijde
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| OPTIOR Koksijde | €403,685 | €395,631 | 63.7% | - |
| Alicon Wielsbeke | €368,518 | €414,031 | 92.8% | - |
| Deepstream Puurs-Sint-Amands | €414,833 | €376,608 | 73.2% | - |
| Fennec Mgmt Antwerp | €397,528 | €411,558 | 83.2% | - |
| MVU CONSULTING Overijse | €374,837 | €381,255 | 60.2% | - |
| REPNA Antwerp | €433,800 | €364,840 | 72.0% | - |
| STRAT & MA Liège | €468,396 | €393,326 | 87.2% | - |
These companies have the same main activity as OPTIOR: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €369,000 and €468,000, founded in 2024.
Official details
Source: KBO- Status
- Active since 19-07-2024Normal situation
- Activity
- Business and other management consultancyNACE 70200and 3 others
- Establishment unit
- 2.362.763.5138670 Koksijde, since 19-07-2024
- Financial year end
- 30 September
- Peppol
- Reachable since 01-10-2025
Annual accounts to 30-09-2025
- €395,631
- €254,492
- €256,992
- €403,685
- Filing
- Filed on 30-03-2026, 31 days before the end of the filing period
Insights on OPTIOR
OPTIOR has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €256,992 and a net result of €254,492.
Its solvency ranks better than 58% of 39,376 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 30-03-2026, 31 days before the deadline€395,631
€375,453
€254,492
€184,192
63.7%
2.26
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €570,000. Estimated: probably between €470,000 and €990,000.
Balance sheet
balance sheet total €403,685 on 30-09-2025What the company ownsHow it is paid for
Position in the sector
63.7%
Higher than 58% of 39,376 companies in 2025.
2.26
Higher than 53% of 38,058 companies in 2025.
63.0%
Higher than 93% of 38,530 companies in 2025.
OPTIOR
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: top quarter · Equity: top quarter · Balance sheet total: middle half · Working capital: top quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
403,685 | |
21/28 |
72,800 | |
22/27 |
72,800 | |
24 |
72,800 | |
29/58 |
330,885 | |
40/41 |
231,924 | |
40 |
83,834 | |
41 |
148,090 | |
54/58 |
98,961 | |
| Balance sheet: equity and liabilities | ||
10/49 |
403,685 | |
10/15 |
256,992 | |
10/11 |
2,500 | |
13 |
254,492 | |
133 |
254,492 | |
17/49 |
146,693 | |
42/48 |
146,693 | |
44 |
2,550 | |
440/4 |
2,550 | |
45 |
135,350 | |
450/3 |
135,350 | |
47/48 |
8,794 | |
| Income statement | ||
9900 |
395,631 | |
630 |
19,643 | |
640/8 |
536 | |
9901 |
375,453 | |
75/76B |
1,100 | |
75 |
1,100 | |
65/66B |
120 | |
65 |
120 | |
9903 |
376,433 | |
67/77 |
121,941 | |
9904 |
254,492 | |
9905 |
254,492 | |
| Appropriation of the result | ||
9906 |
254,492 | |
691/2 |
254,492 | |
6921 |
254,492 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-03-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-09-2025 | micro format | 30-03-2026 | 2026-00070146 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 395,095 | ||
| 274,134 | ||
| 92,443 | ||
| 184,192 | ||
| 63.7% | ||
| 2.26 | ||
| 0.57 | ||
| 99.0% | ||
| 63.0% | ||
| over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-09-2025 |
|---|---|
| Tangible fixed assets | €92,443 |
| €19,643 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on OPTIOR
Debt's share of the balance-sheet total is 36.3%.
Board & ownership
Board
1 director, since incorporationJAMINE BV
Director (not named in the articles), permanent representative MEIRE,Nicolas Guido Marie Paul
appointed by deed of 23-07-2024
term without a fixed end
also on the board of 1 other company
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Artikel 12. Bestuursbevoegdheid Als er slechts één bestuurder is, is het geheel van de bevoegdheden van de bestuurders aan hem toegekend…”deed of 23-07-2024
Permanent representatives 1
Mandates through the years
1 name, the dashed line is todayJAMINE
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- JAMINE
- Director (not named in the articles), appointed by deed of 23-07-2024, still in office
Control
Founders
MEIRE,Nicolas Guido Marie Paul, DEWAELE,Cindy Willy Marie Louise
This company
OPTIOR
Equity €256,992
Profit €254,492 in 2025
Capital
- Contribution
- €2,500
- Shares
- 100
- Contribution per share
- €25
- Equity per share
- €2,570 in 2025
- Source
- deed of 23-07-2024
Articles of association
deed of 23-07-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- 1 director“Niet-statutaire bestuurders herroepbaar ad nutum bij besluit algemene vergadering, een of meer bestuurders”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft overdrager en helft koper(s) naar evenredigheid verworven aantal bij meer dan een koper, elke overdracht onder levenden ten bezwarende…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Saturday of March at 11:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Één of meerdere vereffenaars aanduiden,bevoegdheden omlijnen,vergoeding bepalen, bestuurder(s) in functie krachtens statuten indien geen…”
Founders
At incorporation
deed of 23-07-2024 ↗
- MEIRE,Nicolas Guido Marie Paul founder
- DEWAELE,Cindy Willy Marie Louise founder
Network & group
No group
OPTIOR has no parent and no holdings in its annual accounts. JAMINE is the only director.
Earlier ties
| PROCEQ via JAMINE, no longer at PROCEQ · Director · deed of 25-09-2025 founded in 2001 · group AXON |
8.7 FTE (2025) |
Connections & network
The network starts from the earlier ties.
This company
Company
Director
Shareholding
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Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 31 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1011748602
2024
IncorporationFounding capital of €2,500, 100 shares · Founders: MEIRE, Nicolas Guido Marie Paul; DEWAELE, Cindy Willy Marie Louise · Appointment: JAMINE (director) · published on 23-07-20247 points ▸
- Registered office clause, Jan Van Looylaan 67, 8670 Koksijde
- Director appointment, JAMINE (director (not named in the articles))
- Permanent representative, MEIRE, Nicolas Guido Marie Paul
- Founder, MEIRE, Nicolas Guido Marie Paul
- Founder, DEWAELE, Cindy Willy Marie Louise
- Founding capital, €2,500, 100 shares
- Capital, €2,500
- The deed holds 6 more points.
First establishment Jan Van Looylaan 67, Koksijde
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1011.748.602
- VAT number
- BE 1011.748.602
- Peppol ID
- 0208:1011748602
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 19-07-2024
- Financial year
- ends on 30 September
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Saturday of March at 11:00deed of 23-07-2024 (in Dutch)
- Peppol
- Reachable since 01-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- OPTIOR in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 23-07-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 23-07-2024 (in Dutch)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
63990
Computing infrastructure, data processing, hosting and other information service activities
82110
Office administrative, office support and other business support activities
82990
Other business support services
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het verlenen van advies op het vlak van strategie,bedrijfsvoering,sales,marketing,communicatie,productontwikkeling en organisatie; Het…”deed of 23-07-2024 (in Dutch)
25 activities
- Het verlenen van advies op het vlak van strategie,bedrijfsvoering,sales,marketing,communicatie,productontwikkeling en organisatie.
- Het onderzoek,de ontwikkeling,de vervaardiging en commercialisering van nieuwe producten,systemen,technologieën en hun toepassingen.
- Het geven van vormings-,opleidings-,trainingsactiviteiten,consultancy en persoonlijke coaching,dit zowel voor groepen als voor individuen.
- Deelnemen aan het management en bestuur van ondernemingen en dit in de ruimste zin.
- De strategische consultancy en de vorming in bedrijven,alsmede alle diensten op strategisch vlak.
- Het uitvoeren van alle opdrachten,management en consultancy,participatie onder de vorm van organisatiestudies,expertises,raadgevingen op alle gebied bij ondernemingen en dit in de ruimste zin.
- Het waarnemen van alle bestuursopdrachten,het uitoefenen van mandaten en functies in andere vennootschappen.
- Het verlenen van ondersteuning aan mensen en dit in de ruimste zin van het woord.
- Alle mogelijke diensten aan ondernemingen met betrekking tot hun strategisch,operationeel,financieel,commercieel,juridisch,sociaal,cultureel en administratief beleid.
- De aankoop,de verkoop,de ontwikkeling,de verwezenlijking van onroerende goederen,het verwerven en de overdracht van opties of andere onroerende rechten,in eigen naam en ten patrimoniale titel.
- Zij kan alle bestuursmandaten in alle vennootschappen en verenigingen aanvaarden,alsook optreden als vereffenaar,en zich borg stellen voor derden.
- Zij handelt voor eigen rekening,in consignatie,in commissie,als tussenpersoon of als vertegenwoordiger.
- Zij mag deelnemen in alle ondernemingen die een gelijkaardig of aanverwant voorwerp nastreven,of die de verwezenlijking van het voorwerp vergemakkelijken.
- Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen,het stimuleren,de planning,de coördinatie,de ontwikkeling van,en de investering in,rechtspersonen en ondernemingen waarin zij al of niet een participatie aanhoudt.
- Het toestaan van leningen en kredietopeningen aan rechtspersonen en ondernemingen of particulieren,onder om het even welke vorm,in dit kader kan zij zich ook borg stellen of haar aval verlenen,in de meest ruime zin,alle handels- en financiële operaties verrichten behalve die wettelijk voorbehouden zijn aan kredietinstellingen.
- De vennootschap kan zowel tot waarborg van eigen verbintenissen als tot waarborg van verbintenissen van derden borg stellen,onder meer door haar goederen in hypotheek of in pand te geven,inclusief de eigen handelszaak.
- Het ontwikkelen,kopen,verkopen,in licentie nemen of geven van octrooien,knowhow en aanverwante immateriële duurzame activa.
- De aan- en verkoop,in- en uitvoer,commissiehandel en vertegenwoordiging van om het even welke goederen,in’t kort tussenpersoon in de handel.
- Het onderzoek,de ontwikkeling,de vervaardiging of commercialisering van nieuwe producten,nieuwe vormen van technologie en hun toepassingen.
- Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen,alle verrichtingen.
- Beheer van een eigen roerend en onroerend vermogen:onroerende goederen aan derden,het aankopen,verkopen,ruilen,bouwen,verbouwen.
- Onderhouden,verhuur van roerende goederen aan derden.
- Het aankopen,verkopen,ruilen,bouwen,verbouwen,onderhouden,verhuren,huren,verkavelen,prospecteren en uitbaten van onroerende goederen.
- De aan- en verkoop,huur en verhuur van roerende goederen(onder andere campers,oldtimers,alsook alle andere gemotoriseerde voertuigen),alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen,alsmede zich borg te stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze roerende en onroerende goederen.
- In de algemene regel mag de vennootschap alle daden stellen van zowel burgerlijke als commerciële aard,roerende,onroerende,industriële of financiële aard,welke rechtstreeks,onrechtstreeks,geheel of gedeeltelijk in verband staan met het voorwerp.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Jan Van Looylaan 67 registered office 8670 Koksijde | 19-07-2024 | 2.362.763.513 |
Buildings and parcels at the address
- Ground area
- 2,568 m²
- Buildings
- 328 m²
- Volume, LiDAR
- 2,063 m³
- Tallest building
- 9.6 m
Buildings to scale, each on its own parcel
Environmental permits
1 application in Flanders since 2026 · 1 under review| 03-11-2026 | Under review | Nieuwbouw van bijgebouwen en niet overdekte lage constructie; Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden project 2026127981 | Koksijde |
Source: Omgevingsloket Vlaanderen.
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 38343A0716/00D012 | 2,568 m² | 1 · 328 m² | 9.6 m · 2 |