OPTIMAL AI

Active

Private limited companyfounded 20242 yrs activePicardstraat 7, 1000 Brussel, BelgiumKBO/BCE: BE 1004.960.085

Summary

The computed 12-month bankruptcy probability of OPTIMAL AI is 3.5% (moderate). The 2024 annual accounts show equity of €132,315 and a net result of €121,315. Its solvency ranks better than 22% of 1558 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

OPTIMAL AIActiveChecked score 48/100

Risk analysis Report Compare

Activity

Computer consultancy and computer facilities management

NACE 62200NACE 62030

1 site

Size

€980,678total assets 2024

Equity: €132,315
Profit: €121,315

Financial health

48 Fair Checked score 2024

Bankruptcy chance 12 m: 3.5%

Structure

Accounts 1 d early1 of 3 deeds read

Why 48- Figures for FY 2024 (filed 30-07-2025)- 1 change of registered office in 24 months- Liquidity: current ratio 1.15, cash €3,118+ Sector Computer programming, consultancy and related activities (NACE 62)Show the evidence

Checked score

Score 2024

48 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 22% of its sector peers (NACE 62, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Weak

Solvency 38

equity 13.5% of total assets

Liquidity 3

short-term debt 86.5% · cash 0.3%

Profitability 84

return on assets 12.4%

Bankruptcy probability, 12 months

3.5% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,829 companies)

Last 24 months 02-2025: 0.8%lowest value 03-2025: 0.8%● 0.0% vs 02-2025lowest value 04-2025: 0.8%▲ +2.0% vs 03-2025 05-2025: 0.8%▲ +1.4% vs 04-2025 06-2025: 0.8%▲ +2.1% vs 05-2025 07-2025: 0.9%▲ +10.6% vs 06-2025 08-2025: 0.8%▼ -7.6% vs 07-2025 09-2025: 0.8%● 0.0% vs 08-2025 10-2025: 0.8%▲ +1.0% vs 09-2025 11-2025: 0.8%● 0.0% vs 10-2025 12-2025: 0.8%▲ +0.2% vs 11-2025 01-2026: 0.9%▲ +3.8% vs 12-2025 02-2026: 0.9%● 0.0% vs 01-2026 03-2026: 0.9%▲ +3.1% vs 02-2026 04-2026: 0.9%● 0.0% vs 03-2026 05-2026: 1.0%▲ +9.4% vs 04-2026 06-2026: 1.1%▲ +13.3% vs 05-2026 07-2026: 1.2%▲ +4.9% vs 06-2026 08-2026: 1.6%▲ +39.0% vs 07-2026 09-2026: 2.1%▲ +32.2% vs 08-2026 10-2026: 3.5%▲ +62.7% vs 09-2026highest value

Figures for FY 2024 (filed 30-07-2025) raises the probability
Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
1 change of registered office in 24 months raises the probability
Liquidity: current ratio 1.15, cash €3,118 raises the probability

Credit up to €6,000 at 30 days only on tighter terms

Liquidity tight (current ratio 1.15; short-term debt: 86.5% and cash: 0.3% of total assets), and 86.5% 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 62, micro). Better than this share of them on solvency 18%, liquidity 2%, profitability 46%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. 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

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

−lowers risk+raises risk○neutral

Figures for FY 2024 (filed 30-07-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Sector Computer programming, consultancy and related activities (NACE 62)

In the bankruptcy model this factor lowers the probability.

KBO

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Liquidity: current ratio 1.15, cash €3,118

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 1558 sector peers (2024).

NBB · sector comparison

Position among 1558 sector peers

Solvency

better than 22%

← weakest strongest →

Young company

Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.

KBO · incorporation date

Age against the risk zone

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2024

1 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 1 day before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

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