Optwineva

Active

Private limited companyfounded 20197 yrs activeMaaiersstraat 36B, 1040 Etterbeek, BelgiumKBO/BCE: BE 0718.996.068

Summary

Optwineva has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €225,435 and a net result of -€254,186. Its solvency ranks better than 23% of 11002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisWatch Report Compare

OptwinevaActiveChecked score 65/100

Risk analysis Report Compare

Activity

Buying and selling of own real estate

NACE 68110NACE 68100

1 site

Size

€4.6mtotal assets 2025

Equity: €225,435
Loss: -€254,186

Turnover not published (abridged schema)

Financial health

65 Healthy Checked score 2025

Bankruptcy chance 12 m: 0.8%

Structure

Board: 1 member

Accounts filed 18 d late1 of 4 deeds read

Why 65- Liquidity: current ratio 0.01, cash €4,680- 1 change of registered office in 24 months+ Sector Real estate activities (NACE 68)+ Size: total assets €4.6mShow the evidence

Checked score

Score 2025

65 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 12% of its sector peers (NACE 68, small)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Weak

Solvency 30

equity 4.9% of total assets

Liquidity 5

short-term debt 81.8% · cash 0.1%

Profitability 12

return on assets -5.6%

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,963 companies)

Last 24 months 11-2024: 0.8% 12-2024: 0.8%● 0.0% vs 11-2024 01-2025: 0.8%▼ -9.1% vs 12-2024 02-2025: 0.8%● 0.0% vs 01-2025 03-2025: 0.8%● 0.0% vs 02-2025 04-2025: 0.7%▼ -6.8% vs 03-2025 05-2025: 0.7%● 0.0% vs 04-2025 06-2025: 0.7%▼ -4.9% vs 05-2025lowest value 07-2025: 1.0%▲ +54.0% vs 06-2025highest value 08-2025: 1.0%● 0.0% vs 07-2025highest value 09-2025: 1.0%● 0.0% vs 08-2025highest value 10-2025: 1.0%● 0.0% vs 09-2025highest value 11-2025: 1.0%● 0.0% vs 10-2025highest value 12-2025: 1.0%● 0.0% vs 11-2025highest value 01-2026: 1.0%● 0.0% vs 12-2025highest value 02-2026: 1.0%● 0.0% vs 01-2026highest value 03-2026: 0.8%▼ -24.3% vs 02-2026 04-2026: 0.8%● 0.0% vs 03-2026 05-2026: 0.8%● 0.0% vs 04-2026 06-2026: 0.8%● 0.0% vs 05-2026 07-2026: 0.8%● 0.0% vs 06-2026 08-2026: 0.8%▲ +1.8% vs 07-2026 09-2026: 0.8%▲ +1.6% vs 08-2026 10-2026: 0.8%▲ +0.7% vs 09-2026

Liquidity: current ratio 0.01, cash €4,680 raises the probability
Sector Real estate activities (NACE 68) lowers the probability
Size: total assets €4.6m lowers the probability for this profile
1 change of registered office in 24 months raises the probability

Credit up to €14,000 at 30 days acceptable

Liquidity short (current ratio 0.01; short-term debt: 81.8% and cash: 0.1% of total assets), and 95.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, small). Better than this share of them on solvency 23%, liquidity 7%, profitability 5%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 0.01, cash €4,680

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Sector Real estate activities (NACE 68)

In the bankruptcy model this factor lowers the probability.

KBO

Size: total assets €4.6m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 11002 sector peers (2025).

NBB · sector comparison

Position among 11002 sector peers

Solvency

better than 23%

← weakest strongest →

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-02-2026, 18 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 · 1 filing

Deviation from the deadline

2025

18 d late

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

03-06-26 Appointment: Vochten Karo (director)State Gazette act
18-02-26 Annual accounts filedfiscal year 2025 · abbreviated…

Key points

Caution: Among the weakest 5% on net resultsector median €10,255 · 10,990 companies -€254,186 View
New directorlatest change 01-05-2026 · 1 in office 1 joined View
Total assets 2025first fiscal year filed €4.6m View