OPTISIA
ActiveSummary
OPTISIA has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €161,916 and a net result of €162,183. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 33% of 1007 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability87▲+3
Solvency40▼-1
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.85 in 2024; short-term debt: 80.2% and cash: 28.7% of total assets), and 85.1% of the assets are financed with debt.
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Signals
Six 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
14.9%
Return on assets
15%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
26 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
27 d late
2019
21 d late
← 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 26 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€162,183▲ 27.0%
2024 · €127,750
Working capital
-€28,256▲ 76.5%
2024 · -€120,256
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€63,903▼ 65.6%€84,871▲ 32.8%€100,649▲ 18.6%€178,198▲ 77.1%€224,327▲ 25.9%
Net result€45,978▼ 67.9%€59,306▲ 29.0%€68,650▲ 15.8%€127,750▲ 86.1%€162,183▲ 27.0%
Equity€277,966▲ 13.2%€320,316▲ 15.2%€372,717▲ 16.4%€160,729▼ 56.9%€161,916▲ 0.7%
Total assets€680,454▲ 3.2%€798,075▲ 17.3%€792,633▼ 0.7%€1.0m▲ 28.5%€1.1m▲ 6.5%
Debt€401,316▼ 3.0%€476,663▲ 18.8%€418,928▼ 12.1%€856,691▲ 104%€922,102▲ 7.6%
Working capital€208,449▲ 21.2%€232,835▲ 11.7%€313,042▲ 34.4%-€120,256-€28,256▲ 76.5%
Staff (FTE)10.5▲ 12.9%9.3▼ 11.4%10.5▲ 12.9%10.8▲ 2.9%11.9▲ 10.2%
Why a figure moved sharply
- 2024 Equity -57% on 2023. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 26% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.1m
Fixed assets
€243,378 ▼ 25.0%
Current assets
€841,424 ▲ 21.3%
Equity and liabilities €1.1m
Equity
€161,916 ▲ 0.7%
Provisions
€783 ▼ 11.4%
Debt
€922,102 ▲ 7.6%
Debt's share of the balance-sheet total rises from 84.1% to 85.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€305,333▲
2024 · €247,967
Cash flow
€243,189▲
2024 · €197,519
Current ratio
0.97▲
2024 · 0.85
Debt to equity
5.69▲
2024 · 5.33
ROE
100.2%▲
2024 · 79.5%
ROA
15.0%▲
2024 · 12.5%
Interest coverage
127.54▲
2024 · 108.59
Debt ≤ 1 year
€869,679▲
2024 · €814,176
Debt > 1 year
€8,167▼
2024 · €11,434
Income taxes
€59,914▲
2024 · €48,366
Staff costs
€636,609▲
2024 · €568,232
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,600 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 97% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
2.0%
stopped otherwise
97%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,600 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4,500 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €386,815 | €382,663 | €518,154 | €568,232 | €636,609 | ▲ 12.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €28,486 | €26,348 | €41,388 | €69,769 | €81,006 | ▲ 16.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€1,874 | -€3,841 | -€2,220 | -€16,075 | €3,303 | ▲ 121% |
| Other operating charges640/8 | €19,210 | €696 | €730 | €5,670 | €4,927 | ▼ 13.1% |
| Gross operating margin9900 | €496,540 | €490,736 | €658,700 | €805,795 | €950,172 | ▲ 17.9% |
| Operating profit (loss)9901 | €63,903 | €84,871 | €100,649 | €178,198 | €224,327 | ▲ 25.9% |
| Financial income75/76B | €58 | €62 | €133 | €96 | €63 | ▼ 33.9% |
| Recurring financial income75 | €58 | €62 | €133 | €96 | €63 | ▼ 33.9% |
| Financial charges65/66B | €2,402 | €2,755 | €2,624 | €2,284 | €2,394 | ▲ 4.8% |
| Recurring financial charges65 | €2,402 | €2,755 | €2,624 | €2,284 | €2,394 | ▲ 4.8% |
| Profit (loss) for the period before taxes9903 | €61,559 | €82,178 | €98,158 | €176,010 | €221,996 | ▲ 26.1% |
| Transfer from deferred taxes780 | €107 | €77 | €107 | €106 | €100 | ▼ 4.9% |
| Transfer to deferred taxes680 | €1,125 | - | - | - | - | - |
| Income taxes67/77 | €14,563 | €22,949 | €29,615 | €48,366 | €59,914 | ▲ 23.9% |
| Profit (loss) for the period9904 | €45,978 | €59,306 | €68,650 | €127,750 | €162,183 | ▲ 27.0% |
| Transfer from tax-exempt reserves789 | €14,561 | €25,212 | €321 | €317 | €301 | ▼ 4.9% |
| Transfer to tax-exempt reserves689 | €3,375 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €57,164 | €84,519 | €68,972 | €128,067 | €162,484 | ▲ 26.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €680,454 | €798,075 | €792,633 | €1.0m | €1.1m | ▲ 6.5% |
| Fixed assets21/28 | €101,368 | €113,147 | €88,567 | €324,384 | €243,378 | ▼ 25.0% |
| Intangible fixed assets21 | €2,277 | €1,252 | €227 | €249,836 | €209,945 | ▼ 16.0% |
| Tangible fixed assets22/27 | €98,340 | €111,144 | €87,590 | €73,797 | €32,682 | ▼ 55.7% |
| Land and buildings22 | €57,101 | €42,654 | €28,213 | €13,772 | €430 | ▼ 96.9% |
| Plant, machinery and equipment23 | €20,833 | €18,561 | €16,289 | €14,017 | €11,745 | ▼ 16.2% |
| Furniture and vehicles24 | €20,406 | €49,929 | €43,087 | €31,679 | €9,843 | ▼ 68.9% |
| Leasing and similar rights25 | - | - | - | €14,329 | €10,664 | ▼ 25.6% |
| Financial fixed assets28 | €750 | €750 | €750 | €750 | €750 | = |
| Current assets29/58 | €579,086 | €684,928 | €704,066 | €693,920 | €841,424 | ▲ 21.3% |
| Amounts receivable within one year40/41 | €363,097 | €473,052 | €572,923 | €498,151 | €489,586 | ▼ 1.7% |
| Trade receivables40 | €343,319 | €470,830 | €555,457 | €484,889 | €474,246 | ▼ 2.2% |
| Other amounts receivable41 | €19,778 | €2,222 | €17,467 | €13,262 | €15,341 | ▲ 15.7% |
| Current investments50/53 | - | - | €20,003 | €7 | €7 | ▲ 0.1% |
| Cash at bank and in hand54/58 | €201,090 | €188,949 | €88,647 | €162,193 | €311,417 | ▲ 92.0% |
| Deferred charges and accrued income490/1 | €14,898 | €22,928 | €22,493 | €33,569 | €40,414 | ▲ 20.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €680,454 | €798,075 | €792,633 | €1.0m | €1.1m | ▲ 6.5% |
| Equity10/15 | €277,966 | €320,316 | €372,717 | €160,729 | €161,916 | ▲ 0.7% |
| Contributions10/11 | €31,004 | €31,004 | €31,004 | €32,004 | €32,004 | = |
| Outside capital11 | €31,004 | €31,004 | €31,004 | €32,004 | €32,004 | = |
| Other1109/19 | €31,004 | €31,004 | €31,004 | €32,004 | €32,004 | = |
| Reserves13 | €246,928 | €289,312 | €341,713 | €128,725 | €129,912 | ▲ 0.9% |
| Non-distributable reserves130/1 | €3,100 | €3,100 | €3,100 | - | - | - |
| Reserves not available under the articles1311 | €3,100 | €3,100 | €3,100 | - | - | - |
| Tax-exempt reserves132 | €28,499 | €3,287 | €2,966 | €2,649 | €2,348 | ▼ 11.4% |
| Distributable reserves133 | €215,328 | €282,924 | €335,647 | €126,076 | €127,564 | ▲ 1.2% |
| Profit (loss) carried forward14 | €34 | - | - | - | - | - |
| Provisions and deferred taxes16 | €1,173 | €1,096 | €989 | €883 | €783 | ▼ 11.4% |
| Deferred taxes168 | €1,173 | €1,096 | €989 | €883 | €783 | ▼ 11.4% |
| Amounts payable17/49 | €401,316 | €476,663 | €418,928 | €856,691 | €922,102 | ▲ 7.6% |
| Amounts payable after more than one year17 | - | - | - | €11,434 | €8,167 | ▼ 28.6% |
| Financial debts170/4 | - | - | - | €11,434 | €8,167 | ▼ 28.6% |
| Amounts payable within one year42/48 | €370,637 | €452,093 | €391,024 | €814,176 | €869,679 | ▲ 6.8% |
| Current portion of amounts payable after more than one year42 | €1,250 | - | - | €3,267 | €3,267 | = |
| Trade debts44 | €275,676 | €331,130 | €262,098 | €282,464 | €310,181 | ▲ 9.8% |
| Suppliers440/4 | €275,676 | €331,130 | €262,098 | €282,464 | €310,181 | ▲ 9.8% |
| Taxes, remuneration and social security45 | €78,965 | €102,699 | €109,006 | €177,578 | €229,532 | ▲ 29.3% |
| Taxes450/3 | €36,162 | €55,719 | €53,216 | €118,470 | €148,323 | ▲ 25.2% |
| Remuneration and social security454/9 | €42,803 | €46,980 | €55,791 | €59,108 | €81,209 | ▲ 37.4% |
| Other amounts payable47/48 | €14,745 | €18,263 | €19,920 | €350,867 | €326,699 | ▼ 6.9% |
| Accrued charges and deferred income492/3 | €30,679 | €24,571 | €27,904 | €31,082 | €44,256 | ▲ 42.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €45,978 | €59,306 | €68,650 | €127,750 | €162,183 | ▲ 27.0% |
| + Depreciation and write-downs630 | €28,486 | €26,348 | €41,388 | €69,769 | €81,006 | ▲ 16.1% |
| Operating cash flow (approximation) | €74,464 | €85,654 | €110,038 | €197,519 | €243,189 | ▲ 23.1% |
| Investment in fixed assets (approximation) | - | -€38,126 | -€16,808 | -€305,586 | €0 | ▲ 100% |
| Change in cash | - | -€12,142 | -€100,302 | €73,546 | €149,224 | ▲ 103% |
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
21-08
State Gazette act
Board meeting · Registered-office move
General meeting · Power of attorney
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 19 days late
04-08
State Gazette act
General meeting · Director resignation
Director discharge · Director reappointment
04-08
State Gazette act
Board meeting · Registered-office move
General meeting · Power of attorney
04-08
State Gazette act
Board meeting · Registered-office move
General meeting · Power of attorney
04-08
State Gazette act
Board meeting · Registered-office move
General meeting · Power of attorney
29-07
State Gazette act
Board meeting · Registered-office move
General meeting · Power of attorney
28-07
State Gazette act
General meeting · Director reappointment
Mandate compensation
2025
31-12
Financial
Highest result since 2018net €162,183 ▲27%
Operating result €224,327, net result €162,183, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 26 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
Show earlier events
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €45,978 ▼67.9%
Net result drops to €45,978, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 21 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 18 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Waimes · 2 establishment units since 2001
Ground area
2,213 m²
Building footprint
215 m²
Volume, LiDAR
1,182 m³
2 parcels, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
Fiduciaire Optisia
since 20012.216.895.408
Fiduciaire Optisia
since 20242.361.196.071
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63080F0162/00H000 | Wallonia | 2,062 m² | 1 · 177 m² | 9.1 m · 2 fl. |
| 82032E0242/00B000 | Wallonia | 150 m² | 1 · 37 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 ownersChain of control
- TEMPERIS
- OPTISIA
Highest known parent: TEMPERIS. The sources do not say who stands above it.
Owners 2
- TEMPERISparentSourceaccounts TEMPERIS 2025100%
-
14.39%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 6,508 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
Founded02-02-2001
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0473937644
Also
9925:BE0473937644
Registered
11-07-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.