B.O.P.
ActiveB.O.P. has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €-22k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 67% of 18035 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-11
Solvency97=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.74 against 2.99 in 2024), and 45.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
54.4%
Return on assets
-12.8%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
7 d early
2023
13 d early
2022
11 d early
2021
24 d early
2020
23 d early
2019
27 d late
← 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
€93k▼ 19.0%
2024 · €115k
2018: €68k
2019: €71k
2020: €81k
2021: €108k
2022: €122k
2023: €112k
2024: €115k
2018 → 2025
Total assets
€171k▼ 18.6%
2024 · €210k
2018: €184k
2019: €195k
2020: €209k
2021: €216k
2022: €265k
2023: €234k
2024: €210k
2018 → 2025
Net result
€-22k
2024 · €3k
2018: €2k
2019: €2k
2020: €10k
2021: €27k
2022: €14k
2023: €-10k
2024: €3k
2018 → 2025
Working capital
€85k▼ 17.0%
2024 · €102k
2018: €38k
2019: €42k
2020: €62k
2021: €84k
2022: €69k
2023: €97k
2024: €102k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€108k-€122k▲ 13.1%€112k▼ 7.9%€115k▲ 2.3%€93k▼ 19.0%
Operating result€39k-€21k▼ 47.1%€-7k€5k€-20k
Net result€27k-€14k▼ 47.4%€-10k€3k€-22k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €20k after €5k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €171k
Fixed assets
€37k▼ 33.5%
Current assets
€134k▼ 13.1%
Equity and liabilities €171k
Equity
€93k▼ 19.0%
Debt
€78k▼ 18.1%
The debt ratio rises from 45.3% to 45.6%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€1k▼
2024 · €26k
Cash flow
€-691▼
2024 · €24k
Solvency
54.4%▼
2024 · 54.7%
Current ratio
2.74▼
2024 · 2.99
Quick ratio
1.27▼
2024 · 1.49
Debt / equity
0.84▲
2024 · 0.83
ROE
-23.4%▼
2024 · 2.2%
ROA
-12.8%▼
2024 · 1.2%
Interest coverage
0.37▼
2024 · 9.27
Debt
€78k▼
2024 · €95k
Debt ≤ 1 year
€49k▼
2024 · €52k
Debt > 1 year
€29k▼
2024 · €44k
Income taxes
€173▼
2024 · €427
Staff costs
€67k▲
2024 · €64k
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€210k€171k▼
Fixed assets21/28€56k€37k▼
Tangible fixed assets22/27€56k€37k▼
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€15k€10k▼
Furniture and vehicles24€38k€24k▼
Current assets29/58€154k€134k▼
Stocks and contracts in progress3€77k€72k▼
Stocks30/36€77k€72k▼
Amounts receivable within one year40/41€15k€4k▼
Trade receivables40€5k€3k▼
Other amounts receivable41€10k€1k▼
Cash at bank and in hand54/58€62k€57k▼
Deferred charges and accrued income490/1€202€327▲
Equity and liabilities
Total equity and liabilities10/49€210k€171k▼
Equity10/15€115k€93k▼
Contributions10/11€19k€19k=
Reserves13€56k€56k=
Distributable reserves133€56k€56k=
Profit (loss) carried forward14€40k€19k▼
Amounts payable17/49€95k€78k▼
Amounts payable after more than one year17€44k€29k▼
Financial debts170/4€44k€29k▼
Amounts payable within one year42/48€52k€49k▼
Current portion of amounts payable after more than one year42€14k€14k▲
Trade debts44€14k€16k▲
Suppliers440/4€14k€16k▲
Taxes, remuneration and social security45€24k€18k▼
Taxes450/3€10k€8k▼
Remuneration and social security454/9€14k€10k▼
Accrued charges and deferred income492/3€26€37▲
Income statement
Code20242025
Non-recurring operating income76A€3k-
Remuneration, social security and pensions62€64k€67k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€93k€69k▼
Operating profit (loss)9901€5k€-20k▼
Financial income75/76B€483€1k▲
Recurring financial income75€483€1k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€3k€-22k▼
Income taxes67/77€427€173▼
Profit (loss) for the period9904€3k€-22k▼
Profit (loss) for the period to be appropriated9905€3k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€19k▼
Profit (loss) brought forward from the previous period14P€40k€40k=
Transfer to equity691/2€3k-
To other reserves6921€3k-
The notes to these accounts (8 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Weakest financial yearnet €-22k ▼944%
Net result drops to €-22k, the lowest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €27k ▲161%
Operating result €39k, net result €27k, both a record.
31-12
Financial
Equity above €100kEq €108k ▲33.3%
4 profitable years in a row build equity to €108k.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Liège · 1 establishment unit since 1984
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.
Rue des Guillemins 154000 LiègeGround area
95 m²
Building footprint
48 m²
Volume, LiDAR
748 m³
Parcel 62805B0474/00S004, Wallonia · tallest building 23.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Guillemins 15, 4000 Liège
since 19842.023.632.806
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62805B0474/00S004 | Wallonia | 95 m² | 1 · 48 m² | 23.7 m · 5 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
BENNANI OPTIK
BE 0839.655.952
Visé · Eq €93k
Oogcontact
BE 0639.824.866
Leuven · Eq €93k
Clear Vision Consult
BE 0679.966.436
Ronse · Eq €93k
OPTIEK BONNE
BE 0802.735.376
Destelbergen · Eq €93k
CLAES OPTIEK
BE 0865.151.809
Gooik · Eq €92k
Of 1,725 companies in sector 47742 we hold annual accounts for 1,136. 992 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-1983
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
32500Manufacture of medical and dental instruments and supplies
33401
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.