Optimo Services
ActiveOptimo Services has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83k and a net result of €-722. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 66% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (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
Profitability68▼-2
Solvency93▲+17
Growth35=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 10.32 against 2.76 in 2024; short-term debt: 8.8% and cash: 84% of total assets), and 31.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 82
Relative position
BE, all sectors
reference
Sector 82
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
5 d early
2023
64 d late
2022
31 d late
2021
2 d late
2020
27 d early
2019
23 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€87k▼ 25.6%
2019 · €117k
2019: €117k
2019 → 2020
EBIT margin
18.0%▲ 5.7pp
2019 · 12.4%
2019: 12.4%
2019 → 2020
Net result
€-722
2024 · €2k
2018: €7k
2019: €9k
2020: €10k
2021: €10k
2022: €9k
2023: €3k
2024: €2k
2018 → 2025
Working capital
€100k▲ 6.2%
2024 · €94k
2018: €64k
2019: €70k
2020: €91k
2021: €103k
2022: €95k
2023: €84k
2024: €94k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€79k▲ 12.1%€82k▲ 3.3%€84k▲ 2.7%€83k▼ 0.9%
Operating result€15k-€17k▲ 12.8%€3k▼ 84.4%€4k▲ 52.8%€410▼ 89.6%
Net result€10k-€9k▼ 10.1%€3k▼ 69.7%€2k▼ 16.2%€-722
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 2025; 2025 is 90% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€12k▼ 35.9%
Current assets
€110k▼ 25.1%
Equity and liabilities €122k
Equity
€83k▼ 0.9%
Debt
€39k▼ 52.4%
The debt ratio falls from 49.2% to 31.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €11k
Cash flow
€6k▼
2024 · €9k
Solvency
68.3%▲
2024 · 50.8%
Current ratio
10.32▲
2024 · 2.76
Quick ratio
10.32▲
2024 · 2.76
Debt / equity
0.46▼
2024 · 0.97
ROE
-0.9%▼
2024 · 2.6%
ROA
-0.6%▼
2024 · 1.3%
Interest coverage
16861.12▲
2024 · 1363.71
Debt
€39k▼
2024 · €81k
Debt ≤ 1 year
€11k▼
2024 · €53k
Debt > 1 year
€28k=
2024 · €28k
Income taxes
€2k▼
2024 · €2k
Staff costs
€64▲
2024 · €10
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€165k€122k▼
Fixed assets21/28€18k€12k▼
Tangible fixed assets22/27€18k€12k▼
Plant, machinery and equipment23€16k€11k▼
Furniture and vehicles24€2k€579▼
Current assets29/58€147k€110k▼
Amounts receivable within one year40/41-€6k
Trade receivables40-€6k
Cash at bank and in hand54/58€145k€102k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€165k€122k▼
Equity10/15€84k€83k▼
Contributions10/11€19k€19k=
Reserves13€12k€12k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€53k€53k▼
Amounts payable17/49€81k€39k▼
Amounts payable after more than one year17€28k€28k=
Financial debts170/4€28k€28k=
Amounts payable within one year42/48€53k€11k▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Other amounts payable47/48€45k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€10€64▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€13k€9k▼
Operating profit (loss)9901€4k€410▼
Financial income75/76B€432€663▲
Recurring financial income75€432€663▲
Financial charges65/66B€8€0▼
Recurring financial charges65€8€0▼
Profit (loss) for the period before taxes9903€4k€1k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€2k€-722▼
Profit (loss) for the period to be appropriated9905€2k€-722▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€53k▼
Profit (loss) brought forward from the previous period14P€51k€53k▲
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-722 ▼133%
Net result drops to €-722, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 10.32
Current ratio from 2.76 to 10.32; short-term debt falls from €53k to €11k.
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
04-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €10k ▲16.4%
Net result €10k, the highest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Roosdaal · 1 establishment unit since 2013
Ground area
1,892 m²
Building footprint
166 m²
Volume, LiDAR
860 m³
Parcel 23011A0261/00B000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Optimo Services
since 20132.219.376.826
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23011A0261/00B000 | Flanders | 1,892 m² | 1 · 166 m² | 8.3 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.
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 7,155 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2013
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.