Optyl
ActiveOptyl has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €42k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 42% of 1294 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-5
Solvency63▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.39 in 2024; short-term debt: 54.4% and cash: 2% of total assets), and 62% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 33
Relative position
BE, all sectors
reference
Sector 33
higher
← 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
38%
Return on assets
21.2%
Age of the figures
9 mo
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
30 d early
2023
1 d early
2022
41 d early
2021
40 d early
2020
39 d early
2019
3 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▼ 13.6%
2024 · €87k
2018: €59k
2019: €86k
2020: €90k
2021: €114k
2022: €102k
2023: €95k
2024: €87k
2018 → 2025
Total assets
€198k▼ 11.8%
2024 · €225k
2018: €118k
2019: €252k
2020: €202k
2021: €171k
2022: €212k
2023: €229k
2024: €225k
2018 → 2025
Net result
€42k▼ 45.6%
2024 · €77k
2018: €39k
2019: €67k
2020: €58k
2021: €73k
2022: €80k
2023: €58k
2024: €77k
2018 → 2025
Working capital
€24k▼ 48.0%
2024 · €45k
2018: €8k
2019: €-18k
2020: €9k
2021: €36k
2022: €19k
2023: €75k
2024: €45k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€114k-€102k▼ 10.6%€95k▼ 7.5%€87k▼ 8.0%€75k▼ 13.6%
Operating result€85k-€92k▲ 8.2%€88k▼ 5.0%€95k▲ 7.9%€27k▼ 71.9%
Net result€73k-€80k▲ 10.6%€58k▼ 28.0%€77k▲ 33.3%€42k▼ 45.6%
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 72% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €198k
Fixed assets
€67k▲ 4.7%
Current assets
€131k▼ 18.4%
Equity and liabilities €198k
Equity
€75k▼ 13.6%
Debt
€123k▼ 10.7%
The debt ratio rises from 61.3% to 62.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €121k
Cash flow
€55k▼
2024 · €103k
Solvency
38.0%▼
2024 · 38.7%
Current ratio
1.22▼
2024 · 1.39
Quick ratio
0.99▲
2024 · 0.90
Debt / equity
1.63▲
2024 · 1.58
ROE
55.8%▼
2024 · 88.6%
ROA
21.2%▼
2024 · 34.3%
Interest coverage
7.21▼
2024 · 21.69
Debt
€123k▼
2024 · €138k
Debt ≤ 1 year
€108k▼
2024 · €116k
Debt > 1 year
€15k▼
2024 · €21k
Income taxes
€-20k▼
2024 · €12k
Staff costs
€27k▲
2024 · €19k
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€225k€198k▼
Fixed assets21/28€64k€67k▲
Intangible fixed assets21€210€1k▲
Tangible fixed assets22/27€61k€63k▲
Plant, machinery and equipment23€33k€28k▼
Furniture and vehicles24€29k€35k▲
Financial fixed assets28€2k€3k▲
Current assets29/58€161k€131k▼
Stocks and contracts in progress3€57k€24k▼
Stocks30/36€57k€24k▼
Amounts receivable within one year40/41€70k€88k▲
Trade receivables40€43k€69k▲
Other amounts receivable41€27k€19k▼
Cash at bank and in hand54/58€19k€4k▼
Deferred charges and accrued income490/1€16k€15k▼
Equity and liabilities
Total equity and liabilities10/49€225k€198k▼
Equity10/15€87k€75k▼
Reserves13€87k€75k▼
Distributable reserves133€87k€75k▼
Amounts payable17/49€138k€123k▼
Amounts payable after more than one year17€21k€15k▼
Financial debts170/4€21k€15k▼
Amounts payable within one year42/48€116k€108k▼
Current portion of amounts payable after more than one year42€6k€7k▲
Financial debts43€6k€6k=
Credit institutions430/8€6k€6k=
Trade debts44€9k€24k▲
Suppliers440/4€9k€24k▲
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€6k€429▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€87k€68k▼
Accrued charges and deferred income492/3€957€539▼
Income statement
Code20242025
Non-recurring operating income76A€4k-
Remuneration, social security and pensions62€19k€27k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€13k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€141k€67k▼
Operating profit (loss)9901€95k€27k▼
Financial income75/76B€490€1k▲
Recurring financial income75€490€1k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€89k€22k▼
Income taxes67/77€12k€-20k▼
Profit (loss) for the period9904€77k€42k▼
Profit (loss) for the period to be appropriated9905€77k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€77k€42k▼
Transfer from equity791/2€8k€14k▲
Transfer to equity691/2-€2k
To other reserves6921-€2k
Profit to be distributed694/7€85k€54k▼
Return on contributions (dividend)694€27k€14k▼
Directors or managers695€58k€40k▼
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €80k ▲10.6%
Net result €80k, the highest in the series.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €114k ▲27.4%
4 profitable years in a row build equity to €114k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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 2010
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.
Genenbosstraat 93560 LummenGround area
1,514 m²
Building footprint
162 m²
Volume, LiDAR
1,031 m³
Parcel 71037A0839/00F000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Genenbosstraat 9, 3560 Lummen
since 20102.184.734.760
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037A0839/00F000 | Flanders | 1,514 m² | 1 · 162 m² | 9.7 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.
Similar companies · same sector, comparable size
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JVB Montage
BE 0795.166.408
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ANMAC
BE 0830.239.925
Berlaar · Eq €74k
STERICK PROJECTS
BE 1006.535.841
Lochristi · Eq €74k
AJS Maritime Services
BE 1001.958.629
Wommelgem · Eq €77k
Of 1,226 companies in sector 33200 we hold annual accounts for 677. 513 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2010
Fiscal year end31-12
Activities, NACEBEL
33200Installation of industrial machinery and equipment
46820Wholesale trade
46140Agents in the wholesale of industrial machinery, ships and aircraft
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.