OPTI TAX
ActiveOPTI TAX has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €736k and a net result of €111k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 82% of 3292 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84=
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 11.22 against 6.69 in 2024; short-term debt: 8.4% and cash: 10.8% of total assets), and 19.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
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
80.6%
Return on assets
12.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
23 d late
2023
23 d late
2022
28 d late
2021
25 d late
2020
30 d late
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€736k▲ 17.8%
2024 · €625k
2018: €421k
2019: €488k
2020: €568k
2021: €643k
2022: €532k
2023: €645k
2024: €625k
2018 → 2025
Total assets
€913k▲ 8.7%
2024 · €840k
2018: €556k
2019: €617k
2020: €700k
2021: €779k
2022: €681k
2023: €792k
2024: €840k
2018 → 2025
Net result
€111k▲ 8.3%
2024 · €102k
2018: €63k
2019: €66k
2020: €80k
2021: €75k
2022: €81k
2023: €112k
2024: €102k
2018 → 2025
Working capital
€781k▲ 19.2%
2024 · €655k
2018: €456k
2019: €524k
2020: €544k
2021: €627k
2022: €512k
2023: €653k
2024: €655k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€643k-€532k▼ 17.3%€645k▲ 21.1%€625k▼ 3.1%€736k▲ 17.8%
Operating result€116k-€116k▲ 0.2%€166k▲ 43.3%€143k▼ 14.0%€148k▲ 3.7%
Net result€75k-€81k▲ 7.1%€112k▲ 39.1%€102k▼ 8.8%€111k▲ 8.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €913k
Fixed assets
€55k▼ 20.7%
Current assets
€858k▲ 11.3%
Equity and liabilities €913k
Equity
€736k▲ 17.8%
Provisions
€98k=
Debt
€79k▼ 32.5%
The debt ratio falls from 13.9% to 8.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€168k▼
2024 · €171k
Cash flow
€130k▼
2024 · €130k
Solvency
80.6%▲
2024 · 74.4%
Current ratio
11.22▲
2024 · 6.69
Quick ratio
11.22▲
2024 · 6.69
Debt / equity
0.11▼
2024 · 0.19
ROE
15.1%▼
2024 · 16.4%
ROA
12.2%▼
2024 · 12.2%
Interest coverage
1016.53▲
2024 · 980.30
Debt
€79k▼
2024 · €117k
Debt ≤ 1 year
€76k▼
2024 · €115k
Income taxes
€51k▼
2024 · €52k
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€840k€913k▲
Fixed assets21/28€69k€55k▼
Intangible fixed assets21€16k€14k▼
Tangible fixed assets22/27€43k€31k▼
Land and buildings22€4k€9k▲
Plant, machinery and equipment23€804€500▼
Furniture and vehicles24€38k€22k▼
Financial fixed assets28€10k€10k=
Current assets29/58€770k€858k▲
Amounts receivable within one year40/41€115k€206k▲
Trade receivables40€48k€46k▼
Other amounts receivable41€67k€160k▲
Current investments50/53€500k€500k=
Cash at bank and in hand54/58€99k€99k▼
Deferred charges and accrued income490/1€57k€53k▼
Equity and liabilities
Total equity and liabilities10/49€840k€913k▲
Equity10/15€625k€736k▲
Contributions10/11€19k€19k=
Reserves13€606k€717k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€604k€715k▲
Provisions and deferred taxes16€98k€98k=
Provisions for liabilities and charges160/5€98k€98k=
Pensions and similar obligations160€98k€98k=
Amounts payable17/49€117k€79k▼
Amounts payable within one year42/48€115k€76k▼
Trade debts44€372€7k▲
Suppliers440/4€372€7k▲
Taxes, remuneration and social security45€31k€27k▼
Taxes450/3€31k€27k▼
Other amounts payable47/48€84k€42k▼
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€19k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€174k€170k▼
Operating profit (loss)9901€143k€148k▲
Financial income75/76B€11k€14k▲
Recurring financial income75€11k€14k▲
Financial charges65/66B€174€165▼
Recurring financial charges65€174€165▼
Profit (loss) for the period before taxes9903€154k€162k▲
Income taxes67/77€52k€51k▼
Profit (loss) for the period9904€102k€111k▲
Profit (loss) for the period to be appropriated9905€102k€111k▲
Appropriation of the result
Profit (loss) to be appropriated9906€102k€111k▲
Transfer from equity791/2€122k-
Transfer to equity691/2€102k€111k▲
To other reserves6921€102k€111k▲
Profit to be distributed694/7€122k-
Return on contributions (dividend)694€122k-
The notes to these accounts (9 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 23 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 23 days late
2023
31-12
Financial
Highest result since 2018net €112k ▲39.1%
Operating result €166k, net result €112k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Equity above €500kEq €568k ▲16.5%
3 profitable years in a row build equity to €568k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 23 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zedelgem · 1 establishment unit since 2002
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.
Rolleweg 448210 ZedelgemGround area
2,112 m²
Building footprint
194 m²
Volume, LiDAR
1,056 m³
Parcel 31017A0377/00C000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rolleweg 44, 8210 Zedelgem
since 20022.195.674.677
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31017A0377/00C000 | Flanders | 2,112 m² | 1 · 194 m² | 9.1 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
2022 to 2025 · 4 entries · 1,224 EUR awarded · 1,224 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 143 EUR | 143 EUR |
| 2024 | 1 | 263 EUR | 263 EUR |
| 2023 | 1 | 291 EUR | 291 EUR |
| 2022 | 1 | 527 EUR | 527 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
FISC AND CO
BE 0477.744.301
Asse · Eq €736k
A&BV
BE 0644.429.297
Gent · Eq €735k
MARINA CORNELIS
BE 0476.176.958
Putte · Eq €736k
BBR Management
BE 0669.618.912
Watermaal-Bosvoorde · Eq €735k
BELFAGEST
BE 0430.846.581
Chaudfontaine · Eq €733k
Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 4,971 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-01-2002
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
74124
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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:nicolasvandekerckhove@opti-ta.be
Phone:0474/53.40.23