OPTIONS & CO
ActiveSummary
OPTIONS & CO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €17k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 36% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+13
Solvency39▲+12
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.78 against 0.94 in 2024; short-term debt: 50.5% and cash: 0.2% of total assets), and 86.2% 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 68
Relative position
BE, all sectors
reference
Sector 68
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
13.8%
Return on assets
11.5%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €21k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
14 d early
2023
27 d early
2022
31 d late
2021
30 d late
2020
60 d late
2019
102 d late
← 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, micro schema
Turnover
€34k
EBIT margin
-31.2%
Net result
€17k▲ 1,138%
2024 · €1k
2018: €-26k
2019: €-37k
2020: €-13k
2021: €-10k
2022: €-21k
2023: €68k
2024: €1k
2018 → 2025
Working capital
€-17k▼ 105%
2024 · €-8k
2018: €-3k
2019: €-37k
2020: €-53k
2021: €-71k
2022: €-91k
2023: €-14k
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-46k-€-66k▼ 44.8%€2k€3k▲ 68.2%€21k▲ 502%
Operating result€-5k-€-19k▼ 243%€68k€2k▼ 97.0%€68k▲ 3,202%
Net result€-10k-€-21k▼ 100%€68k€1k▼ 98.0%€17k▲ 1,138%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3,202% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151k
Fixed assets
€91k ▲ 114%
Current assets
€59k ▼ 53.4%
Equity and liabilities €151k
Equity
€21k ▲ 502%
Debt
€130k ▼ 22.1%
Debt's share of the balance-sheet total falls from 98.0% to 86.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€72k▲
2024 · €11k
Cash flow
€21k▲
2024 · €10k
Current ratio
0.78▼
2024 · 0.94
Debt to equity
6.27▼
2024 · 48.39
ROE
83.4%▲
2024 · 40.5%
ROA
11.5%▲
2024 · 0.8%
Interest coverage
110.52▼
2024 · 115.62
Debt ≤ 1 year
€76k▼
2024 · €136k
Debt > 1 year
€54k▲
2024 · €31k
Income taxes
€298▼
2024 · €572
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€170k€151k▼
Fixed assets21/28€43k€91k▲
Tangible fixed assets22/27€41k€89k▲
Land and buildings22€2k€2k▼
Leasing and similar rights25-€64k
Other tangible fixed assets26€39k€24k▼
Financial fixed assets28€2k€2k=
Current assets29/58€128k€59k▼
Amounts receivable within one year40/41€128k€59k▼
Trade receivables40€110k€50k▼
Other amounts receivable41€18k€9k▼
Cash at bank and in hand54/58€35€335▲
Deferred charges and accrued income490/1-€301
Equity and liabilities
Total equity and liabilities10/49€170k€151k▼
Equity10/15€3k€21k▲
Contributions10/11€6k€6k=
Reserves13€70k€70k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€68k€68k=
Profit (loss) carried forward14€-73k€-56k▲
Amounts payable17/49€167k€130k▼
Amounts payable after more than one year17€31k€54k▲
Financial debts170/4€31k€54k▲
Amounts payable within one year42/48€136k€76k▼
Current portion of amounts payable after more than one year42-€17k
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€133k€54k▼
Income statement
Code20242025
Non-recurring operating income76A-€85k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€4k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€12k€75k▲
Operating profit (loss)9901€2k€68k▲
Financial income75/76B-€122
Recurring financial income75-€122
Financial charges65/66B€94€51k▲
Recurring financial charges65€94€652▲
Non-recurring financial charges66B-€50k
Profit (loss) for the period before taxes9903€2k€18k▲
Income taxes67/77€572€298▼
Profit (loss) for the period9904€1k€17k▲
Profit (loss) for the period to be appropriated9905€1k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-73k€-56k▲
Profit (loss) brought forward from the previous period14P€-74k€-73k▲
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €68k
Net result €68k after 5 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 102 days late
2019
31-12
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Truiden · 1 establishment unit since 2008
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.
Luikerstraat 333800 Sint-TruidenGround area
188 m²
Building footprint
211 m²
Volume, LiDAR
2,203 m³
Parcel 71053H1031/00M000, Flanders · tallest building 16.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Luikerstraat 33, 3800 Sint-Truiden
since 20082.171.502.772
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053H1031/00M000 | Flanders | 188 m² | 1 · 211 m² | 16.7 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
AN PROJECTS
BE 0838.607.164
Berlaar · Eq €20,752
Steka Beheer
BE 0802.804.464
Lille · Eq €20,767
BRUSSELS M INVEST
BE 0559.882.218
Brussel · Eq €20,707
LiTaYa
BE 1017.435.572
Anthisnes · Eq €20,796
BE INVESTS
BE 1017.743.301
Ferrières · Eq €20,806
Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 2,515 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 formPrivate limited company (pre-2019)
Founded02-04-2008
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
68122Development of non-residential building projects
46130Agents in the wholesale of timber and building materials
68310Real estate agency activities
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.