Equity
-€34,407
Debts exceed assets in financial year 2025.
BDV Optic
Lifetime
1 annual account with figurespeak €88,079 (2025)
€88,079
lowest -€44,407 (2025)
-€44,407
peak -€34,407 (2025)
-€34,407
€375,065
Board3 names since 2024
3 directorsCARLAIRE Frédéric and 2 others
Documentsfilings and deeds
13-07-202618 days before the deadline
2025micro format
Loss of €44,407First year with figures
Key points
from the 2025 annual accountsDebts
€375,065 110% of the balance sheet
Financial debts 72%Suppliers 19%Taxes and wages 2%Other 8%
Of this, €105,659 falls due within a year.
Position in the sector
-€44,407
Lower net result than 95% of companies in retail trade. Sector median €5,052 · 22,922 companies.
Checked score
54
Fair
Financially stronger than 29% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.5% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,277 companies (NACE 47, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2025: 1.8%
08-2025: 1.8%● unchanged vs 07-2025
09-2025: 1.9%▲ +0.1 percentage points vs 08-2025
10-2025: 2.2%▲ +0.3 percentage points vs 09-2025
11-2025: 2.3%▲ +0.1 percentage points vs 10-2025
12-2025: 2.6%▲ +0.3 percentage points vs 11-2025
01-2026: 2.6%● unchanged vs 12-2025
02-2026: 2.8%▲ +0.2 percentage points vs 01-2026
03-2026: 2.9%▲ +0.1 percentage points vs 02-2026
04-2026: 2.7%▼ -0.2 percentage points vs 03-2026
05-2026: 3.0%▲ +0.3 percentage points vs 04-2026
06-2026: 3.1%▲ +0.1 percentage points vs 05-2026
07-2026: 3.1%● unchanged vs 06-2026highest value
08-2026: 1.5%▼ -1.6 percentage points vs 07-2026lowest value
09-2026: 1.5%● unchanged vs 08-2026lowest value
10-2026: 1.5%● unchanged vs 09-2026lowest value
11-2026: 1.5%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€34,407
Sector: Retail trade (NACE 47)
Loss of €44,407 (financial year 2025)
lowers risk
Size: total assets €340,659
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 16% of them on solvency, 57% on liquidity and 14% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as BDV Optic has now. Each dot stands for 20 companies, two years later.
84.7%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BDV Optic itself is lower: 1.5% within 12 months. It rests on far more data about BDV Optic than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for BDV Optic. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is tight, with a current ratio of 1.17, below the usual 1.5. Short-term debt is 31% and cash 12.5% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 13-07-2026, 18 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
18 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- CARLAIRE Frédéric founderdeed of 26-06-2024
- POT Dorothée founderdeed of 26-06-2024
- LEURQUIN Christophe Roland Laurent founderdeed of 26-06-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1010674969
Incorporation
Founding capital of €30,000, 300 shares · Founders: CARLAIRE Frédéric, POT Dorothée and LEURQUIN Christophe Roland Laurent · Appointments: CARLAIRE Frédéric, POT Dorothée and LEURQUIN Christophe Roland Laurent · published on 26-06-2024 · Gazette deed
First establishment
Rue Raymond Noel (B.V.) 7, Profondeville
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BDV Optic Philippeville | €340,659 | €88,079 | -10.1% | - |
| GORIEYEZ Huy | €332,290 | €86,975 | 39.3% | - |
| Ard’Vision Saint-Hubert | €288,702 | €98,054 | 9.1% | - |
| LOBTICIENNE Somme-Leuze | €296,420 | €62,085 | -0.3% | - |
| VISUALIS Namur | €246,760 | €150,247 | 92.2% | - |
| Optiek Tim Overijse | €427,581 | €136,550 | 31.8% | - |
| Fier Schilde | €234,588 | €109,796 | 33.6% | - |
These companies have the same main activity as BDV Optic: retail sale of prescription glasses, lenses and sunglasses (NACE 47742). They are comparable in size and age: total assets between €235,000 and €428,000, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 24-06-2024Normal situation
- Activity
- Retail sale of prescription glasses, lenses and sunglassesNACE 47742
- Joint committee
- 201Independent retail · annual accounts 2025
- Establishment unit
- 2.361.196.7645170 Profondeville, since 24-06-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 30-01-2025
Annual accounts 2025
- ≈ €430,000estimated
- €340,659
- Employeeson 31-12-2025
- 2
- Filing
- Filed on 13-07-2026, 18 days before the end of the filing period
Insights on BDV Optic
The computed 12-month bankruptcy probability of BDV Optic is 1.5% (moderate). The 2025 annual accounts show negative equity (-€34,407) and a net result of -€44,407.
Its solvency ranks better than 19% of 22,939 sector peers (NACE 47, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BDV Optic
- What is the company number of BDV Optic?
- The company number of BDV Optic is 1010.674.969. The VAT number is the same number with BE in front: BE 1010.674.969.
- Where is BDV Optic based?
- The registered office is at Rue de France 45, 5600 Philippeville.Company details
- What does BDV Optic do?
- According to the KBO register, the main activity is retail sale of prescription glasses, lenses and sunglasses (NACE 47742).
- What is the legal form of BDV Optic?
- BDV Optic is a private limited company (BV).
- When was BDV Optic founded?
- BDV Optic was founded on 24-06-2024.
- Is BDV Optic still active?
- Yes, BDV Optic is an active enterprise in the KBO register.
- How many employees does BDV Optic have?
- BDV Optic had an average of 1.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does BDV Optic fall under?
- In its 2025 annual accounts, BDV Optic states joint committee 201 (Independent retail).
- What is the turnover of BDV Optic?
- The turnover in financial year 2025 is ≈ €430,000. This figure is estimated from the gross margin of €88,079 and 45 comparable companies (NACE 477). It probably lies between €230,000 and €580,000.
- Is BDV Optic profitable?
- In financial year 2025, BDV Optic made a loss of €44,407.
- Where can I find the annual accounts of BDV Optic?
- BDV Optic filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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