OPTIMO
ActiveSummary
OPTIMO has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.86M and a net result of €226k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 95% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability56▲+4
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity ample (current ratio 5.89 against 5.25 in 2023; short-term debt: 6.1% and cash: 32% of total assets), and 6.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
93.8%
Return on assets
7.4%
Age of the figures
21 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-07-2025, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
16 d early
2023
58 d early
2022
62 d early
2021
62 d early
2020
61 d early
2019
50 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€2.86M▲ 4.6%
2023 · €2.73M
2018: €1.63Mlowest in 7 years
2019: €1.90M▲ +16.8% vs 2018
2020: €2.75M▲ +44.3% vs 2019
2021: €2.92M▲ +6.5% vs 2020highest in 7 years
2022: €2.57M▼ -12.2% vs 2021
2023: €2.73M▲ +6.4% vs 2022
2024: €2.86M▲ +4.6% vs 2023
2018 → 2024
Total assets
€3.05M▲ 4.6%
2023 · €2.91M
2018: €2.75M
2019: €2.54M▼ -7.8% vs 2018lowest in 7 years
2020: €3.33M▲ +31.2% vs 2019highest in 7 years
2021: €3.31M▼ -0.6% vs 2020
2022: €2.67M▼ -19.3% vs 2021
2023: €2.91M▲ +9.2% vs 2022
2024: €3.05M▲ +4.6% vs 2023
2018 → 2024
Net result
€226k▲ 37.1%
2023 · €165k
2018: €270k
2019: €274k▲ +1.5% vs 2018
2020: €843k▲ +208% vs 2019highest in 7 years
2021: €409k▼ -51.6% vs 2020
2022: €-357k▼ -187% vs 2021lowest in 7 years
2023: €165k▲ +146% vs 2022
2024: €226k▲ +37.1% vs 2023
2018 → 2024
Working capital
€905k▲ 17.0%
2023 · €774k
2018: €-134k
2019: €-155k▼ -16.1% vs 2018lowest in 7 years
2020: €74k▲ +148% vs 2019
2021: €24k▼ -67.3% vs 2020
2022: €608k▲ +2415% vs 2021
2023: €774k▲ +27.1% vs 2022
2024: €905k▲ +17.0% vs 2023highest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€2.75M-€2.92M▲ 6.5%€2.57M▼ 12.2%€2.73M▲ 6.4%€2.86M▲ 4.6%
2020: €2.75M
2021: €2.92M▲ +6.5% vs 2020highest in 5 years
2022: €2.57M▼ -12.2% vs 2021lowest in 5 years
2023: €2.73M▲ +6.4% vs 2022
2024: €2.86M▲ +4.6% vs 2023
Operating result€16k-€4k▼ 76.8%€10k▲ 170%€11k▲ 7.4%€10k▼ 9.1%
2020: €16khighest in 5 years
2021: €4k▼ -76.8% vs 2020lowest in 5 years
2022: €10k▲ +170% vs 2021
2023: €11k▲ +7.4% vs 2022
2024: €10k▼ -9.1% vs 2023
Net result€843k-€409k▼ 51.6%€-357k€165k€226k▲ 37.1%
2020: €843khighest in 5 years
2021: €409k▼ -51.6% vs 2020
2022: €-357k▼ -187% vs 2021lowest in 5 years
2023: €165k▲ +146% vs 2022
2024: €226k▲ +37.1% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 9% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.05M
Fixed assets
€1.96M =
Current assets
€1.09M ▲ 14.1%
Equity and liabilities €3.05M
Equity
€2.86M ▲ 4.6%
Debt
€190k ▲ 4.7%
Debt's share of the balance-sheet total stays at 6.2%.
Key figures and ratios
Current ratio
5.89▲
2023 · 5.25
Debt to equity
0.07=
2023 · 0.07
ROE
7.9%▲
2023 · 6.0%
ROA
7.4%▲
2023 · 5.7%
Debt ≤ 1 year
€185k▲
2023 · €182k
Income taxes
€7k▲
2023 · €5k
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 · 2024 against 2023 · 40 lines
Balance sheet
Code20232024
Assets
Total assets20/58€2.91M€3.05M▲
Fixed assets21/28€1.96M€1.96M=
Financial fixed assets28€1.96M€1.96M=
Current assets29/58€955k€1.09M▲
Amounts receivable within one year40/41€236k€114k▼
Trade receivables40€4k€5k▲
Other amounts receivable41€232k€110k▼
Cash at bank and in hand54/58€719k€976k▲
Equity and liabilities
Total equity and liabilities10/49€2.91M€3.05M▲
Equity10/15€2.73M€2.86M▲
Contributions10/11€300k€300k=
Reserves13€2.62M€2.56M▼
Distributable reserves133€2.62M€2.56M▼
Profit (loss) carried forward14€-191k-
Amounts payable17/49€182k€190k▲
Amounts payable within one year42/48€182k€185k▲
Current portion of amounts payable after more than one year42€180k€180k=
Trade debts44€241€2k▲
Suppliers440/4€241€2k▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Accrued charges and deferred income492/3-€5k
Income statement
Code20232024
Other operating charges640/8€62€62=
Gross operating margin9900€11k€10k▼
Operating profit (loss)9901€11k€10k▼
Financial income75/76B€159k€227k▲
Recurring financial income75€159k€227k▲
Financial charges65/66B€176€3k▲
Recurring financial charges65€176€3k▲
Profit (loss) for the period before taxes9903€170k€233k▲
Income taxes67/77€5k€7k▲
Profit (loss) for the period9904€165k€226k▲
Transfer from tax-exempt reserves789-€100k
Profit (loss) for the period to be appropriated9905€165k€326k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-191k€136k▲
Profit (loss) brought forward from the previous period14P€-356k€-191k▲
Transfer to equity691/2-€36k
To other reserves6921-€36k
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €62 | €62 | €62 | €62 | = |
| Gross operating margin9900 | €16k | €4k | €10k | €11k | €10k | ▼ 9.0% |
| Operating profit (loss)9901 | €16k | €4k | €10k | €11k | €10k | ▼ 9.1% |
| Financial income75/76B | - | €450k | €673k | €159k | €227k | ▲ 42.2% |
| Recurring financial income75 | €920k | €450k | €673k | €159k | €227k | ▲ 42.2% |
| Financial charges65/66B | - | €4k | €1.04M | €176 | €3k | ▲ 1,834% |
| Recurring financial charges65 | €6k | €4k | €2k | €176 | €3k | ▲ 1,834% |
| Non-recurring financial charges66B | - | - | €1.04M | - | - | - |
| Profit (loss) for the period before taxes9903 | €930k | €449k | €-355k | €170k | €233k | ▲ 37.0% |
| Income taxes67/77 | €87k | €41k | €2k | €5k | €7k | ▲ 35.3% |
| Profit (loss) for the period9904 | €843k | €409k | €-357k | €165k | €226k | ▲ 37.1% |
| Transfer from tax-exempt reserves789 | - | €449 | - | - | €100k | - |
| Profit (loss) for the period to be appropriated9905 | €843k | €409k | €-357k | €165k | €326k | ▲ 97.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.33M | €3.31M | €2.67M | €2.91M | €3.05M | ▲ 4.6% |
| Fixed assets21/28 | €2.96M | €2.96M | €1.96M | €1.96M | €1.96M | = |
| Financial fixed assets28 | €2.96M | €2.96M | €1.96M | €1.96M | €1.96M | = |
| Current assets29/58 | €368k | €348k | €709k | €955k | €1.09M | ▲ 14.1% |
| Amounts receivable within one year40/41 | €1k | €4k | €279k | €236k | €114k | ▼ 51.5% |
| Trade receivables40 | - | €4k | €2k | €4k | €5k | ▲ 10.2% |
| Other amounts receivable41 | - | - | €277k | €232k | €110k | ▼ 52.7% |
| Cash at bank and in hand54/58 | €367k | €345k | €429k | €719k | €976k | ▲ 35.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.33M | €3.31M | €2.67M | €2.91M | €3.05M | ▲ 4.6% |
| Equity10/15 | €2.75M | €2.92M | €2.57M | €2.73M | €2.86M | ▲ 4.6% |
| Contributions10/11 | - | €300k | €300k | €300k | €300k | = |
| Reserves13 | €2.21M | €2.62M | €2.62M | €2.62M | €2.56M | ▼ 2.4% |
| Distributable reserves133 | - | €2.62M | €2.62M | €2.62M | €2.56M | ▼ 2.4% |
| Profit (loss) carried forward14 | €1k | €1k | €-356k | €-191k | - | - |
| Amounts payable17/49 | €580k | €381k | €101k | €182k | €190k | ▲ 4.7% |
| Amounts payable after more than one year17 | €285k | €57k | - | - | - | - |
| Financial debts170/4 | - | €57k | - | - | - | - |
| Amounts payable within one year42/48 | €294k | €324k | €101k | €182k | €185k | ▲ 1.8% |
| Current portion of amounts payable after more than one year42 | - | €228k | €57k | €180k | €180k | = |
| Trade debts44 | €1k | €1k | €2k | €241 | €2k | ▲ 576% |
| Suppliers440/4 | - | €1k | €2k | €241 | €2k | ▲ 576% |
| Taxes, remuneration and social security45 | - | €95k | €41k | €2k | €4k | ▲ 114% |
| Taxes450/3 | - | €95k | €41k | €2k | €4k | ▲ 114% |
| Accrued charges and deferred income492/3 | - | - | - | - | €5k | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €843k | €409k | €-357k | €165k | €226k | ▲ 37.1% |
| Operating cash flow (approximation) | €843k | €409k | €-357k | €165k | €226k | ▲ 37.1% |
| Investment in fixed assets (approximation) | - | €0 | €998k | €0 | €0 | - |
| Change in cash | - | €-22k | €85k | €290k | €256k | ▼ 11.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €165k
Net result €165k after one loss-making year.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-357k
Net result drops to €-357k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 7current ratio 7.05
Current ratio from 1.07 to 7.05; short-term debt falls from €324k to €101k.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €843k ▲208%
Net result €843k, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 1.25
Current ratio from 0.33 to 1.25.
31-12
Financial
Equity above €2MEq €2.75M ▲44.3%
3 profitable years in a row build equity to €2.75M.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
30-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Lummen · 1 establishment unit since 2012
Ground area
875 m²
Building footprint
182 m²
Volume, LiDAR
1,420 m³
Parcel 71035B0590/00L004, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
OPTIMO
since 20122.209.191.331
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71035B0590/00L004 | Flanders | 874 m² | 1 · 182 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 607 companies in sector 43130 we hold annual accounts for 302. 98 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-02-2012
Fiscal year end31-12
Activities, NACEBEL 2025
43130Specialised construction activities
43222Installation of electric heating, air conditioning, cooling and ventilation
43990Other specialised construction activities
62100Computer programming
68110Buying and selling of own real estate
71121Engineering and related technical consultancy, excluding land surveyors
Contact
Website
www.optimo-bv.be
E-mail
info@optimo-bv.be
Scores and ratios are computed by Checked and are not a credit decision.