Thuisverpleging Optizorg
ActiveThuisverpleging Optizorg has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €36k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 29% of 16414 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency59▼-4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.17 in 2024), and 64.4% of the assets are financed with debt.
Credit advice for your own amount and term
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 86
Relative position
BE, all sectors
reference
Sector 86
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
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
35.6%
Return on assets
12%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
22 d early
2024
25 d late
2023
2 d late
2022
24 d late
2021
23 d late
2020
19 d early
2019
31 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 1.6%
2024 · €105k
2019: €29k
2020: €85k
2021: €127k
2022: €175k
2023: €64k
2024: €105k
2019 → 2025
Total assets
€301k▲ 8.1%
2024 · €279k
2019: €68k
2020: €121k
2021: €160k
2022: €196k
2023: €235k
2024: €279k
2019 → 2025
Net result
€36k▼ 12.0%
2024 · €41k
2019: €23k
2020: €56k
2021: €41k
2022: €49k
2023: €45k
2024: €41k
2019 → 2025
Working capital
€12k▼ 1.4%
2024 · €13k
2019: €-11k
2020: €46k
2021: €65k
2022: €148k
2023: €44k
2024: €13k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€127k-€175k▲ 38.4%€64k▼ 63.3%€105k▲ 63.9%€107k▲ 1.6%
Operating result€55k-€65k▲ 17.7%€59k▼ 8.2%€59k▼ 0.1%€56k▼ 4.9%
Net result€41k-€49k▲ 18.1%€45k▼ 8.2%€41k▼ 7.7%€36k▼ 12.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €301k
Fixed assets
€188k▼ 2.8%
Current assets
€113k▲ 32.7%
Equity and liabilities €301k
Equity
€107k▲ 1.6%
Debt
€194k▲ 12.0%
The debt ratio rises from 62.2% to 64.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€72k▼
2024 · €73k
Cash flow
€52k▼
2024 · €55k
Solvency
35.6%▼
2024 · 37.8%
Current ratio
1.12▼
2024 · 1.17
Quick ratio
1.12▼
2024 · 1.17
Debt / equity
1.81▲
2024 · 1.64
ROE
33.8%▼
2024 · 39.0%
ROA
12.0%▼
2024 · 14.8%
Interest coverage
8.66▼
2024 · 18.78
Debt
€194k▲
2024 · €173k
Debt ≤ 1 year
€101k▲
2024 · €73k
Debt > 1 year
€89k▼
2024 · €100k
Income taxes
€12k▼
2024 · €15k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€279k€301k▲
Fixed assets21/28€194k€188k▼
Intangible fixed assets21€6k€0▼
Tangible fixed assets22/27€187k€188k▲
Land and buildings22€183k€178k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€3k€8k▲
Current assets29/58€85k€113k▲
Amounts receivable within one year40/41€4k€22k▲
Trade receivables40€0€13k▲
Other amounts receivable41€4k€9k▲
Current investments50/53€15k€10k▼
Cash at bank and in hand54/58€49k€62k▲
Deferred charges and accrued income490/1€17k€19k▲
Equity and liabilities
Total equity and liabilities10/49€279k€301k▲
Equity10/15€105k€107k▲
Contributions10/11€19k€19k=
Reserves13€87k€89k▲
Distributable reserves133€87k€89k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€173k€194k▲
Amounts payable after more than one year17€100k€89k▼
Financial debts170/4€100k€89k▼
Amounts payable within one year42/48€73k€101k▲
Current portion of amounts payable after more than one year42€10k€11k▲
Financial debts43€0-
Other loans439€0-
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€0-
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€56k€85k▲
Accrued charges and deferred income492/3€423€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€74k€74k▼
Operating profit (loss)9901€59k€56k▼
Financial income75/76B€320€163▼
Recurring financial income75€320€163▼
Financial charges65/66B€4k€8k▲
Recurring financial charges65€4k€8k▲
Profit (loss) for the period before taxes9903€56k€48k▼
Income taxes67/77€15k€12k▼
Profit (loss) for the period9904€41k€36k▼
Profit (loss) for the period to be appropriated9905€41k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€41k€36k▼
Transfer from equity791/2€0€35k▲
Transfer to equity691/2€41k€36k▼
To other reserves6921€41k€36k▼
Profit to be distributed694/7€0€35k▲
Return on contributions (dividend)694€0€35k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Equity above €100kEq €105k ▲63.9%
6 profitable years in a row build equity to €105k.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 8.19
Current ratio from 2.93 to 8.19; short-term debt falls from €34k to €21k.
31-12
Financial
Equity above €150kEq €175k ▲38.4%
4 profitable years in a row build equity to €175k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Equity above €100kEq €127k ▲48.1%
3 profitable years in a row build equity to €127k.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2019net €56k ▲141%
Operating result €74k, net result €56k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.29
Current ratio from 0.72 to 2.29; short-term debt falls from €38k to €36k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 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, Maaseik · 1 establishment unit since 2018
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.
Canadastraat 553680 MaaseikGround area
1,322 m²
Building footprint
196 m²
Volume, LiDAR
1,105 m³
Parcel 72024A2051/00B000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Thuisverpleging Optizorg
since 20182.282.862.633
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72024A2051/00B000 | Flanders | 1,322 m² | 1 · 196 m² | 8.2 m · 2 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
2024 · 1 entry · 158 EUR awarded · 158 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 158 EUR | 158 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 5,971 companies in sector 86940 we hold annual accounts for 1,797. 1,518 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2018
Fiscal year end31-12
Activities, NACEBEL
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.