Skip to content
Checked.be
Complete company report
Generated 24-08-2026
Active BE 0479.658.268Non-profit association

T OPTIMISTJE

Nachtegalenlaan 38 ·8400 Oostende, Belgium· 23 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of T OPTIMISTJE is 0.1% (very low). The 2025 annual accounts show equity of €292k and a net result of €-74k. Equity is shrinking by ~8.5% per year across the filed fiscal years. The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.
Key figures
Equity €292k
Net result €-74k
Active 23 yrs
Board 3
Financial profile 5 of 5 axes measured · computed by Checked
Health42Profitability0Solvency100Growth38Stability100
56 / 100

Mixed profile: strong on solvency, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 42
Profitability 0
Solvency 100
Growth 38
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −No NACE activity registered +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 2002, 23 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2025 · computed
42 / 100 Weak
050100
Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 26-05-2026 with the NBB · fiscal year 2025 · micro
€-100k€-50k€0€50kRevenue 2021: €46k€46kOperating result 2021: €17k€17kNet result 2021: €17k€17kRevenue 2022: €48k€48kOperating result 2022: €-30k€-30kNet result 2022: €-30k€-30kRevenue 2023: €53k€53kOperating result 2023: €-160€-160Net result 2023: €15€15Revenue 2024: €53k€53kOperating result 2024: €27k€27kNet result 2024: €28k€28kRevenue 2025: €55k€55kOperating result 2025: €-75k€-75kNet result 2025: €-74k€-74k20212022202320242025
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~8.5%/year over 5 fiscal years, indicative, assuming unchanged policy.
€100k€200k€300k€400k2026: €281k (€258k - €304k)2027: €257k (€228k - €287k)2028: €235k (€195k - €276k)2021: €437k2022: €390k2023: €373k2024: €383k2025: €292k20212022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Revenue
€55k
+3.6% 21-25
EBITDA
€-33k
- 21-25
Net profit
€-74k
- 21-25
Cash flow
€-32k
- 21-25
Total assets
€298k
-23.6% 21-25
Equity
€292k
-23.9% 21-25
Working capital
€57k
-46.4% 21-25
Debt
€6k
-6.7% 21-25
Show 11 other metrics
Debt ≤ 1y
€2k
-21.0% 21-25
Debt > 1y
€49k
-52.7% 21-25
Current ratio
34.26
-31.5% 21-25
Quick ratio
34.26
-31.5% 21-25
Solvency
97.9%
-0.4% 21-25
Debt / equity
0.02
+22.6% 21-25
ROE
-25.5%
- 21-25
ROA
-25.0%
- 21-25
Net margin
-134.3%
- 21-25
EBITDA margin
-58.8%
- 21-25
Interest coverage
-158.20
- 21-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue€55k
EBITDA€-33k
Net profit€-74k
Cash flow€-32k
Staff costs-
Income taxes-
Dividends-
Total assets€298k
Equity€292k
Debt€6k
of which ≤ 1y€2k
of which > 1y-
Working capital€57k
Employees (FTE)-
Ratios (computed)
2025
Current ratio34.26
Quick ratio34.26
Working capital ratio19.1%
Solvency97.9%
Debt / equity0.02
Long-term debt ratio-
Interest coverage-158.20
Gross margin-89.5%
Net margin-134.3%
ROA-25.0%
ROE-25.5%
EBITDA margin-58.8%
Days sales outstanding0d
Days payable outstanding6d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€298k
Fixed assets 21/28€239k
Tangible fixed assets 22/27€239k
Current assets 29/58€59k
Amounts receivable within one year 40/41€50
Investments 50/53€40k
Cash & bank 54/58€19k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€298k
Equity 10/15€292k
Contributions / capital 10/11€57k
Accumulated profits (losses) 14€142k
Amounts payable 17/49€6k
Amounts payable within one year 42/48€2k
Trade debts payable within one year 44€2k
Income statement
Turnover 70€55k
Gross operating margin 9900€-32k
Operating result 9901€-75k
Financial income 75€838
Financial charges 65€206
Result before taxes 9903€-74k
Net result for the period 9904€-74k
Result to be appropriated 9905€-74k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 3 directors
Directors derived from a single State Gazette act, under verification
All 3 current directors first appear in the same act (23067703). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
  • Lejeune Bertrand, Joseph
    Chair
    State Gazette act 23067703 (23-05-2023)
    Current
    23-05-2023 → present
  • Vander Cruyssen Berny, Johan
    Treasurer
    State Gazette act 23067703 (23-05-2023)
    Current
    23-05-2023 → present
  • Wullepit Antoon, Frans
    Director
    State Gazette act 23067703 (23-05-2023)
    Current
    23-05-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary -
Legal form Non-profit association(017)
Incorporation30-12-2002
StatusActive
Postal code8400
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
35383C0291/00X000 Flanders 1.1 ha 1 · 6,227 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
26-05-2026
NBB filing Annual accounts filed
fiscal year 2025 · micro
2025
17-06-2025
State Gazette act Director changes
15-05-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
23-04-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
01-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
23-05-2023
State Gazette act Director changes
2022
13-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2018
15-05-2018
NBB filing Annual accounts filed
fiscal year 2017 · verkort
2017
23-05-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2016
30-06-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
24-06-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
2014
26-05-2014
NBB filing Annual accounts filed
fiscal year 2013 · verkort
Belgian State Gazette reading coverage 0 of 12 acts read

We know of 12 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts
All acts · 2 updated 1 year ago
2025
17-06-2025 Board composition published Director changes
Technical details 
{
  "events": [
    {
      "kind": "substantive_delegation",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Bertrand Lejeune",
        "address": "Duinenzichterf 13 B 0302-8450 BREDENE",
        "birth_date": "1958-09-22",
        "profession": null,
        "birth_place": "Oostende"
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De leden van de vereniging \u0027t Optimistje vzw, in Statutaire Algemene Vergadering bijeengekomen op 8 mei 2025 (14u30), hebben met \u00E9\u00E9nparigheid van stemmen beslist het mandaat van volgende bestuurder te verlengen voor een termijn van 6 jaar, zoals voorzien in artikel 20 van de statuten: -De heer Bertr",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "board_snapshot",
      "role": "voorzitter",
      "person": {
        "rrn": null,
        "name": "Lejeune Bertrand, Joseph",
        "address": "8450 Bredene - Duinenzichterf 13 \u0412 0302",
        "birth_date": "1958-09-22",
        "profession": null,
        "birth_place": "Oostende"
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Thans is het bestuursorgaan als volgt samengesteld: Voorzitter: De heer Lejeune Bertrand, Joseph, geboren te Oostende op 22-09-1958, wonende te 8450 Bredene - Duinenzichterf 13 \u0412 0302.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "board_snapshot",
      "role": "penningmeester",
      "person": {
        "rrn": null,
        "name": "Vander Cruyssen Benny, Johan",
        "address": "8790 Waregem - Zuiderlaan 86/12",
        "birth_date": "1959-03-29",
        "profession": null,
        "birth_place": "Zwevegem"
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Thans is het bestuursorgaan als volgt samengesteld: Penningmeester: De heer Vander Cruyssen Benny, Johan, geboren te Zwevegem op 29-03-1959, wonende te 8790 Waregem - Zuiderlaan 86/12;",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "board_snapshot",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Lagrange Bart, Roger, A",
        "address": "8400 OOSTENDE - Dekenijstraat 10",
        "birth_date": "1975-02-01",
        "profession": null,
        "birth_place": "Waregem"
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Thans is het bestuursorgaan als volgt samengesteld: Bestuurder: Eerwaarde heer Lagrange Bart, Roger, A, geboren te Waregem op 01-02-1975, wonende te 8400 OOSTENDE - Dekenijstraat 10.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-06-17",
    "filing_date": "2025-05-08",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2025-05-08",
      "unanimous": true
    },
    {
      "body": "raad_van_bestuur",
      "date": "2025-05-08",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0479.658.268",
    "name_full": "\u0027t Optimistje",
    "legal_form": "vzw"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Bertrand Lejeune",
    "org_rep_person_name": null,
    "person_role_at_subject": "Voorzitter"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2023
23-05-2023 3 directors appointed, 1 reappointed Director changes
  • Lejeune Bertrand, Joseph, Voorzitter
  • Vander Cruyssen Berny, Johan, Penningmeester
  • Wullepit Antoon, Frans, Bestuurder
  • Vander Cruyssen Benny, Johan, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Vander Cruyssen Benny, Johan",
        "address": "8790 Waregem - Zuiderlaan 86/12",
        "birth_date": "1959-03-29",
        "profession": null,
        "birth_place": "Zwevegem"
      },
      "reason": null,
      "subkind": "renewal",
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "6"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "voorzitter",
      "person": {
        "rrn": null,
        "name": "Lejeune Bertrand, Joseph",
        "address": "8450 Bredene - Duinenzichterf 13 B 0302",
        "birth_date": "1958-09-22",
        "profession": null,
        "birth_place": "Oostende"
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "penningmeester",
      "person": {
        "rrn": null,
        "name": "Vander Cruyssen Berny, Johan",
        "address": "8790 Waregem - Zuiderlaan 86/12",
        "birth_date": "1959-03-29",
        "profession": null,
        "birth_place": "Zwevegem"
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Wullepit Antoon, Frans",
        "address": "8400 Oostende - Dekenijstraat 10",
        "birth_date": "1951-07-18",
        "profession": null,
        "birth_place": "Roeselare"
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": "statutair",
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2023-05-12",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-05-04",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0479.658.268",
    "name_full": "\u0027t Optimistje",
    "legal_form": "vzw"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Bertrand Lejeurie",
    "org_rep_person_name": null,
    "person_role_at_subject": "Voorzitter"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL T OPTIMISTJE
Registered office
Nachtegalenlaan 38
8400 Oostende, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative