OPTIMISM WINS · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of OPTIMISM WINS is 0.8% (low). The 2024 annual accounts show equity of €264k and a net result of €41k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 48% of 3174 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

1 signal · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	30-08-2025	30 d late	2025-00447250
31-12-2023	31-07-2024	29-08-2024	29 d late	2024-00390330
31-12-2022	31-07-2023	31-08-2023	31 d late	2023-00387590
31-12-2021	31-07-2022	31-03-2022	122 d early	2022-09800264

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.8% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€41k-44.4%

Working capital€131k-57.1%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 30-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~40% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 82 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	51.5%	53.8%	better than 48% of 3174 sector peers
Net result	€41k	€18k	better than 73% of 3173 sector peers
Equity	€264k	€40k	better than 93% of 3176 sector peers
Gross operating margin	€110k	€36k	better than 85% of 3173 sector peers
Total assets	€513k	€93k	better than 92% of 3179 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P48

Weakening position over 2021-2024 · n=899-3174

Net result P73

Weakening position over 2021-2024 · n=896-3173

Equity P93

Stable position over 2021-2024 · n=902-3176

Gross operating margin P85

Stable position over 2021-2024 · n=892-3173

Describes the position versus peers, not a forecast.

EBITDA

€72k

-49.8% 21-24

Net profit

€41k

-44.4% 21-24

Cash flow

€63k

-45.1% 21-24

Total assets

€513k

-51.0% 21-24

Equity

€264k

-59.3% 21-24

Working capital

€131k

-57.1% 21-24

Income taxes

€13k

-40.3% 21-24

Dividends

€427k

- 21-24

Debt

€249k

-37.6% 21-24

Debt ≤ 1y

€80k

-61.3% 21-24

Debt > 1y

€169k

-12.3% 21-24

Current ratio

2.65

+6.6% 21-24

Quick ratio

2.65

+6.6% 21-24

Solvency

51.5%

-16.8% 21-24

Debt / equity

0.94

+53.1% 21-24

ROE

15.7%

+36.5% 21-24

ROA

8.1%

+13.6% 21-24

Interest coverage

6.14

-47.2% 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€72k
Net profit	€41k
Cash flow	€63k
Staff costs	-
Income taxes	€13k
Dividends	€427k
Total assets	€513k
Equity	€264k
Debt	€249k
of which ≤ 1y	€80k
of which > 1y	€169k
Working capital	€131k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	2.65
Quick ratio	2.65
Working capital ratio	25.6%
Solvency	51.5%
Debt / equity	0.94
Long-term debt ratio	0.64
Interest coverage	6.14
Gross margin	-
Net margin	-
ROA	8.1%
ROE	15.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €302k · 58.9% Current assets €211k · 41.1%

Equity & liabilities

Equity €264k · 51.5% Debt €249k · 48.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€513k
Fixed assets	21/28	€302k
Tangible fixed assets	22/27	€302k
Current assets	29/58	€211k
Amounts receivable within one year	40/41	€7k
Cash & bank	54/58	€202k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€513k
Equity	10/15	€264k
Contributions / capital	10/11	€100
Reserves	13	€263k
Accumulated profits (losses)	14	€1k
Amounts payable	17/49	€249k
Amounts payable after one year	17	€169k
Amounts payable within one year	42/48	€80k
Trade debts payable within one year	44	€5k
Income statement
Gross operating margin	9900	€110k
Operating result	9901	€50k
Financial income	75	€16k
Financial charges	65	€12k
Result before taxes	9903	€55k
Income taxes	67/77	€13k
Net result for the period	9904	€41k
Result to be appropriated	9905	€41k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

90 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Waleweg 289991 Maldegem

Establishment units

1 location

OPTIMISM WINS

Waleweg 28, 9991 MaldegemMaken van geluidsopnamen

since 20202.309.405.890

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area880 m²

Buildings1

Building footprint131 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
43001A0813/00N002	Flanders	880 m²	1 · 131 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

82 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 90

Profitability 79

Solvency 96

Growth 52

Stability 94

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Similar

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Comparable size, same sector

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We hold annual accounts for 2,967 of the 24,478 companies in this sector. 1,985 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Organisatie van congressen en beurzen82300Organisatie van congressen en beurzen82300Overige vormen van onderwijs85599Overige vormen van onderwijs85599

Primary activity highlighted.

Names & trade names

Legal nameNL

OPTIMISM WINS

Registered office

Waleweg 28

9991 Maldegem, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.