OPTIMMO
ActiveSummary
OPTIMMO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.10M and a net result of €-129k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 42% of 300 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability21▼-7
Solvency53▼-1
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity short (current ratio 0.35 against 0.04 in 2024; short-term debt: 2.9% and cash: 0.4% of total assets), and 71.9% of the assets are financed with debt.
Credit check 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 · 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
28.1%
Return on assets
-1.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-129k
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
7 d early
2023
41 d early
2022
33 d early
2021
51 d early
2020
47 d early
2019
36 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-129k▼ 1,714%
2024 · €-7k
2018: €176k
2019: €57k
2020: €-149k
2021: €-70k
2022: €-64k
2023: €292k
2024: €-7k
2018 → 2025
Working capital
€-139k▲ 96.3%
2024 · €-3.75M
2018: €-68k
2019: €60k
2020: €37k
2021: €-13k
2022: €-3.80M
2023: €-528k
2024: €-3.75M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.98M-€1.91M▼ 3.2%€2.21M▲ 15.2%€2.20M▼ 0.3%€2.10M▼ 4.6%
Operating result€13k-€18k▲ 41.5%€449k▲ 2,387%€203k▼ 54.7%€75k▼ 63.1%
Net result€-70k-€-64k▲ 8.7%€292k€-7k€-129k▼ 1,714%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 63% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.48M
Fixed assets
€7.40M ▼ 0.2%
Current assets
€75k ▼ 54.9%
Equity and liabilities €7.48M
Equity
€2.10M ▼ 4.6%
Debt
€5.38M ▼ 0.1%
Debt's share of the balance-sheet total rises from 71.0% to 71.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€95k▼
2024 · €226k
Cash flow
€-108k▼
2024 · €16k
Current ratio
0.35▲
2024 · 0.04
Debt to equity
2.56▲
2024 · 2.45
ROE
-6.1%▼
2024 · -0.3%
ROA
-1.7%▼
2024 · -0.1%
Interest coverage
0.47▼
2024 · 1.08
Debt ≤ 1 year
€215k▼
2024 · €3.92M
Debt > 1 year
€5.16M▲
2024 · €1.46M
Income taxes
€395▲
2024 · €377
Staff costs
€6k▼
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€7.58M€7.48M▼
Formation expenses20€0€0=
Fixed assets21/28€7.41M€7.40M▼
Tangible fixed assets22/27€1.22M€1.20M▼
Land and buildings22€1.19M€1.18M▼
Plant, machinery and equipment23€28k€23k▼
Furniture and vehicles24€769€176▼
Leasing and similar rights25€0-
Financial fixed assets28€6.20M€6.20M=
Current assets29/58€167k€75k▼
Amounts receivable within one year40/41€135k€32k▼
Trade receivables40€131k€32k▼
Other amounts receivable41€4k€0▼
Cash at bank and in hand54/58€22k€32k▲
Deferred charges and accrued income490/1€10k€12k▲
Equity and liabilities
Total equity and liabilities10/49€7.58M€7.48M▼
Equity10/15€2.20M€2.10M▼
Contributions10/11€975k€975k=
Capital10€975k€975k=
Issued capital100€975k€975k=
Reserves13€84k€85k▲
Non-distributable reserves130/1€84k€85k▲
Legal reserve130-€85k
Reserves not available under the articles1311€84k-
Profit (loss) carried forward14€1.14M€1.04M▼
Amounts payable17/49€5.38M€5.38M▼
Amounts payable after more than one year17€1.46M€5.16M▲
Financial debts170/4€199k€3.92M▲
Other amounts payable178/9€1.27M€1.24M▼
Amounts payable within one year42/48€3.92M€215k▼
Current portion of amounts payable after more than one year42€3.78M€25k▼
Financial debts43-€57
Credit institutions430/8-€57
Trade debts44€63k€62k▼
Suppliers440/4€63k€62k▼
Advances received on contracts in progress46-€0
Taxes, remuneration and social security45€13k€31k▲
Taxes450/3€12k€31k▲
Remuneration and social security454/9€913€332▼
Other amounts payable47/48€68k€95k▲
Accrued charges and deferred income492/3€75€93▲
Income statement
Code20242025
Remuneration, social security and pensions62€9k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€20k▼
Other operating charges640/8€10k€11k▲
Gross operating margin9900€245k€112k▼
Operating profit (loss)9901€203k€75k▼
Financial income75/76B€70€70▲
Recurring financial income75€70€70▲
Financial charges65/66B€210k€203k▼
Recurring financial charges65€210k€203k▼
Profit (loss) for the period before taxes9903€-7k€-128k▼
Income taxes67/77€377€395▲
Profit (loss) for the period9904€-7k€-129k▼
Profit (loss) for the period to be appropriated9905€-7k€-129k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.14M€1.04M▼
Profit (loss) brought forward from the previous period14P€1.15M€1.17M▲
Social balance
Average headcount (FTE)90870.20.1▼
The notes to these accounts (17 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
01-09
State Gazette act
Resignations: Alain Prigogine (director) and Nolicis Enterprise SRL (director)Appointments: MAELIA (director) and CERVO HOSPITALITY (director) · Permanent representatives: Alexia Martin and John Gabriel MARTIN · Mandate compensation12 facts ▸
State Gazette act
Resignations: Alain Prigogine (director) and Nolicis Enterprise SRL (director)
Appointments: MAELIA (director) and CERVO HOSPITALITY (director) · Permanent representatives: Alexia Martin and John Gabriel MARTIN · Mandate compensation12 facts ▸
- General meeting, 02-07-2026
- Director resignation, Alain Prigogine (director)
- Director resignation, Nolicis Enterprise SRL (director)
- Director appointment, MAELIA (director)
- Director appointment, CERVO HOSPITALITY (director)
- Permanent representative, Alexia Martin
- Permanent representative, John Gabriel MARTIN
- Board composition, John Gabriel MARTIN (director)
- Board composition, MAELIA (director)
- Board composition, CERVO HOSPITALITY (director)
- Mandate compensation, MAELIA
- Mandate compensation, CERVO HOSPITALITY
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €292k
Net result €292k after 3 loss-making years.
31-12
Financial
Equity above €2MEq €2.21M ▲15.2%
Equity rises from €1.91M to €2.21M.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-149k ▼361%
Net result drops to €-149k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity triplescurrent ratio 1.54
Current ratio from 0.57 to 1.54; short-term debt falls from €158k to €112k.
Show earlier events
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
CERVO HOSPITALITY
CurrentDirector · since 02-07-2026 · Private limited company · perm. rep.: John Gabriel MARTIN
MAELIA
CurrentDirector · since 02-07-2026 · Private limited company · perm. rep.: Alexia Martin
02-07-2026
CERVO HOSPITALITY: Appointed as Director
02-07-2026
MAELIA: Appointed as Director
02-07-2026
Alain Prigogine: Resigned as Director
02-07-2026
Nolicis Enterprise SRL: Resigned as Director
Location & real-estate footprint
Registered office, Rixensart · 1 establishment unit since 1989
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.
Avenue Herbert Hoover 201332 RixensartGround area
1.7 ha
Building footprint
986 m²
Volume, LiDAR
10,396 m³
2 parcels, Wallonia · tallest building 18.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Templiers 14, 1301 Wavre
since 19892.045.436.030
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25006A0121/00K000 | Wallonia | 1.6 ha | 1 · 567 m² | 14.2 m · 4 fl. |
| 25033A0305/00_000 | Wallonia | 306 m² | 1 · 419 m² | 18.4 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
3 connected companiesLinked via shared directors
Shared director
→
Shared director
→
Shared corporate director
→
Ownership & control
4 board mandatesBoard mandates of this companythis company sits on their board4
Recognitions · licences · registrations
Legal Entity Identifier
894500EZID7D2E82NL44
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Of 7,006 companies in sector 96999 we hold annual accounts for 602. 164 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-04-1989
Fiscal year end31-12
Activities, NACEBEL 2025
96999Other personal services
68121Development of residential building projects
47400Retail sale of information and communication equipment
68110Buying and selling of own real estate
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.