OPTISOINS
ActiveFor OPTISOINS, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €32k and a net result of €4k. Its solvency ranks better than 51% of 17912 sector peers (fiscal year 2023). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability80▼-12
Solvency92▲+2
Growth52
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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 2023Solvency, return and age of the figures
Solvency
66.7%
Return on assets
9.2%
Age of the figures
33 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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 2 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline23-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 29-05-2024, 63 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
63 d early
2022
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€32k▲ 12.6%
2022 · €28k
2022: €28k
2022 → 2023
Total assets
€47k▲ 9.8%
2022 · €43k
2022: €43k
2022 → 2023
Net result
€4k▼ 46.6%
2022 · €8k
2022: €8k
2022 → 2023
Working capital
€24k▲ 20.8%
2022 · €20k
2022: €20k
2022 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023Trend
Equity€28k-€32k▲ 12.6%
Operating result€13k-€6k▼ 53.3%
Net result€8k-€4k▼ 46.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2023; 2023 is 53% below 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €47k
Fixed assets
€10k▼ 30.5%
Current assets
€37k▲ 31.0%
Equity and liabilities €47k
Equity
€32k▲ 12.6%
Debt
€16k▲ 4.5%
The debt ratio falls from 35.0% to 33.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k▼
2022 · €19k
Cash flow
€11k▼
2022 · €14k
Solvency
66.7%▲
2022 · 65.0%
Current ratio
2.76▼
2022 · 3.24
Quick ratio
2.76▼
2022 · 3.24
Debt / equity
0.50▼
2022 · 0.54
ROE
13.7%▼
2022 · 29.0%
ROA
9.2%▼
2022 · 18.9%
Interest coverage
46.53▼
2022 · 94.62
Debt
€16k▲
2022 · €15k
Debt ≤ 1 year
€13k▲
2022 · €9k
Debt > 1 year
€2k▼
2022 · €6k
Income taxes
€2k▼
2022 · €5k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€43k€47k▲
Fixed assets21/28€15k€10k▼
Tangible fixed assets22/27€15k€10k▼
Furniture and vehicles24€15k€10k▼
Current assets29/58€28k€37k▲
Amounts receivable within one year40/41€13k€2k▼
Trade receivables40€1k€1k▲
Other amounts receivable41€12k€706▼
Cash at bank and in hand54/58€16k€34k▲
Deferred charges and accrued income490/1€86€688▲
Equity and liabilities
Total equity and liabilities10/49€43k€47k▲
Equity10/15€28k€32k▲
Contributions10/11€1k€1k=
Reserves13€26k€30k▲
Non-distributable reserves130/1€100€100=
Reserves not available under the articles1311€100€100=
Distributable reserves133€26k€30k▲
Profit (loss) carried forward14€898€932▲
Amounts payable17/49€15k€16k▲
Amounts payable after more than one year17€6k€2k▼
Financial debts170/4€6k€2k▼
Amounts payable within one year42/48€9k€13k▲
Current portion of amounts payable after more than one year42€4k€4k=
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48-€5k
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Gross operating margin9900€19k€12k▼
Operating profit (loss)9901€13k€6k▼
Financial income75/76B€4€3▼
Recurring financial income75€4€3▼
Financial charges65/66B€197€265▲
Recurring financial charges65€197€265▲
Profit (loss) for the period before taxes9903€13k€6k▼
Income taxes67/77€5k€2k▼
Profit (loss) for the period9904€8k€4k▼
Profit (loss) for the period to be appropriated9905€8k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€5k▼
Profit (loss) brought forward from the previous period14P€1k€898▼
Transfer to equity691/2€8k€4k▼
To other reserves6921€8k€4k▼
Profit to be distributed694/7€800€800=
Return on contributions (dividend)694€800€800=
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
NBB filing
Directors · office · real estate
Directors
2 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, Honnelles · 1 establishment unit since 2012
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.
Rue du Chemineau(FAY) 37387 HonnellesGround area
921 m²
Building footprint
120 m²
Parcel 53026A0449/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
OPTISOINS
since 20122.208.737.015
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53026A0449/00K000 | Wallonia | 921 m² | 1 · 120 m² | - |
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.
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Of 5,983 companies in sector 86940 we hold annual accounts for 1,808. 1,547 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met onbeperkte aansprakelijkheid
Founded06-04-2012
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:optisoins@hotmail.be
Phone:0474184286