OptWize
ActiveOptWize has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €159k and a net result of €23k. Equity is growing by ~24.5% per year across the filed fiscal years. Its solvency ranks better than 19% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▲+2
Solvency43▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.17 in 2023; short-term debt: 11.3% and cash: 6.1% of total assets), and 82.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 37972 sector peers (2024).
NBB · sector comparisonPosition among 37972 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
71 d late
2023
129 d late
2022
75 d late
2021
61 d late
2020
153 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€159k▲ 17.1%
2023 · €136k
2020: €42k
2021: €50k
2022: €123k
2023: €136k
2020 → 2024
Total assets
€887k▼ 7.1%
2023 · €955k
2020: €81k
2021: €930k
2022: €967k
2023: €955k
2020 → 2024
Net result
€23k▲ 89.5%
2023 · €12k
2020: €37k
2021: €8k
2022: €73k
2023: €12k
2020 → 2024
Working capital
€9k▼ 56.3%
2023 · €21k
2020: €39k
2021: €-34k
2022: €10k
2023: €21k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€42k-€50k▲ 19.6%€123k▲ 147%€136k▲ 9.9%€159k▲ 17.1%
Operating result€53k-€17k▼ 68.0%€109k▲ 544%€29k▼ 73.0%€46k▲ 55.3%
Net result€37k-€8k▼ 77.7%€73k▲ 800%€12k▼ 83.3%€23k▲ 89.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 55% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €887k
Fixed assets
€778k▼ 3.4%
Current assets
€110k▼ 26.6%
Equity and liabilities €887k
Equity
€159k▲ 17.1%
Debt
€729k▼ 11.1%
The debt ratio falls from 85.8% to 82.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▲
2023 · €67k
Cash flow
€63k▲
2023 · €49k
Solvency
17.9%▲
2023 · 14.2%
Current ratio
1.09▼
2023 · 1.17
Quick ratio
1.09▼
2023 · 1.17
Debt / equity
4.59▼
2023 · 6.05
ROE
14.6%▲
2023 · 9.0%
ROA
2.6%▲
2023 · 1.3%
Interest coverage
8.85▲
2023 · 6.91
Debt
€729k▼
2023 · €819k
Debt ≤ 1 year
€100k▼
2023 · €128k
Debt > 1 year
€627k▼
2023 · €677k
Income taxes
€14k▲
2023 · €8k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€955k€887k▼
Formation expenses20€433€122▼
Fixed assets21/28€805k€778k▼
Intangible fixed assets21-€5k
Tangible fixed assets22/27€805k€772k▼
Land and buildings22€803k€767k▼
Plant, machinery and equipment23€1k€667▼
Furniture and vehicles24€1k€5k▲
Current assets29/58€149k€110k▼
Amounts receivable within one year40/41€72k€45k▼
Trade receivables40€31k€21k▼
Other amounts receivable41€41k€24k▼
Cash at bank and in hand54/58€72k€54k▼
Deferred charges and accrued income490/1€5k€11k▲
Equity and liabilities
Total equity and liabilities10/49€955k€887k▼
Equity10/15€136k€159k▲
Contributions10/11€5k€5k=
Reserves13€118k€154k▲
Distributable reserves133€118k€154k▲
Profit (loss) carried forward14€12k-
Amounts payable17/49€819k€729k▼
Amounts payable after more than one year17€677k€627k▼
Financial debts170/4€675k€625k▼
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€128k€100k▼
Current portion of amounts payable after more than one year42€58k€54k▼
Financial debts43€9k€5k▼
Credit institutions430/8€9k€5k▼
Trade debts44€13k€7k▼
Suppliers440/4€13k€7k▼
Taxes, remuneration and social security45€46k€32k▼
Taxes450/3€46k€32k▼
Other amounts payable47/48€3k€2k▼
Accrued charges and deferred income492/3€15k€1k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€39k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€73k€91k▲
Operating profit (loss)9901€29k€46k▲
Financial income75/76B€748€1k▲
Recurring financial income75€748€1k▲
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€21k€37k▲
Income taxes67/77€8k€14k▲
Profit (loss) for the period9904€12k€23k▲
Profit (loss) for the period to be appropriated9905€12k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€35k▲
Profit (loss) brought forward from the previous period14P€-39€12k▲
Transfer to equity691/2-€35k
To other reserves6921-€35k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
31-12
Financial
Equity above €150kEq €159k ▲17.1%
5 profitable years in a row build equity to €159k.
07-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 129 days late
2023
14-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 75 days late
2022
31-12
Financial
Highest result since 2020net €73k ▲800%
Operating result €109k, net result €73k, both a record.
31-12
Financial
Equity above €100kEq €123k ▲147%
3 profitable years in a row build equity to €123k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Weakest financial yearnet €8k ▼77.7%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 153 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ninove · 1 establishment unit since 2020
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.
Brusselsesteenweg 3749402 NinoveGround area
1,538 m²
Building footprint
133 m²
Volume, LiDAR
949 m³
Parcel 41038A0088/00A010, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OptWize
since 20202.305.612.202
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41038A0088/00A010 | Flanders | 1,538 m² | 1 · 133 m² | 11.5 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 4,709 EUR awarded · 4,709 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 720 EUR | 720 EUR |
| 2022 | 1 | 3,989 EUR | 3,989 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 40,756 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-05-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68121Development of residential building projects
77229Renting and leasing of other personal and household goods
77299Rental and leasing activities
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.