Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 50 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
OPTIVY Patrimoine & Finance from Florennes, company number BE0536575888, closed financial year 2025 with a result of € 21,566 after tax. For that financial year OPTIVY Patrimoine & Finance recorded a gross margin of € 116,030 and equity of € 70,823. Compared with financial year 2024, the result moved from € 19,060 to € 21,566. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 14, 2026.
€ 70,823
▲ 33% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 21,566
▲ 13% vs 2024
Profit after tax over the fiscal year.
€ 23,175
▲ 132% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 4,000 paid out
19 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 50,814
▲ 44% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 0
▼ € 541 vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 318,188
▼ 6% vs 2024
€ 21,010 is repaid this year. At this pace the long-term loan is gone in ≈ 15 years.
€ 40,584
▲ 36% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 16,757
▲ 2% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 81,966 | € 71,925 | € 97,176 | € 116,030 | ▲ 19% |
| Profit after taxes | € 14,264 | € 6,005 | € 19,060 | € 21,566 | ▲ 13% |
| Equity | € 31,885 | € 37,057 | € 53,258 | € 70,823 | ▲ 33% |
| Total debts | € 306,059 | € 389,802 | € 388,476 | € 379,528 | ▼ 2% |
| Cash | € 14,412 | € 11,212 | € 9,994 | € 23,175 | ▲ 132% |
| Land & buildings | € 297,552 | € 384,472 | € 367,982 | € 354,084 | ▼ 4% |
| Retained profit | € 25,685 | € 30,857 | € 47,058 | € 64,623 | ▲ 37% |
| Dividend | € 4,800 | € 833 | € 2,859 | € 4,000 | ▲ 40% |
| Bank debt | € 267,372 | € 353,759 | € 338,719 | € 318,188 | ▼ 6% |
| Balance sheet total | € 337,945 | € 426,859 | € 441,733 | € 450,352 | ▲ 2% |
Key figures of OPTIVY Patrimoine & Finance, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to OPTIVY Patrimoine & Finance?
What happened at OPTIVY Patrimoine & Finance in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 21,566 (▲ 13% vs 2024). filed late Source: NBB ↗
- New establishment in Gerpinnes. KBO
- New establishment in Florennes. KBO
- NICOLAS CELLIERES became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 14,264 profit in 2022 to € 21,566 profit in 2025.
Paid € 31,708 in corporate taxes since 2022.
Best year ever: 2025, with € 21,566 profit.
Paid out € 12,492 in dividends to the owners in total.
Management
Behind OPTIVY Patrimoine & Finance is NICOLAS CELLIERES. NICOLAS CELLIERES is also behind PROJETIS.
Directors
According to the 2025 annual accounts
since 2013
Establishments
Establishment units
Physical locations of this company
Allée des Fougères, Morialmé 452
5620 Florennes
Chaussée de Philippeville(LOV) 40
6280 Gerpinnes
Active since 3 August 2017
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0536.575.888
- VAT number
- BE 0536.575.888
- Registered office
- Allée des Fougères, Morialmé 452, 5620 Florennes
- Names & denominations
- OPTIVY Patrimoine & Finance
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 8 July 2013
- Peppol
- Active · Active since 20 Nov 2020
- Activities · NACE
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies
Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
Overige zakelijke dienstverlening, neg
Handel in eigen onroerend goed