Bert Optiek

Active

Private limited companyfounded 20224 yrs activeKortrijkstraat 78, 8700 Tielt, BelgiumKBO/BCE: BE 0786.589.727

The computed 12-month bankruptcy probability of Bert Optiek is 2.1% (moderate). The 2024 annual accounts show equity of €151k and a net result of €11k. Its solvency ranks better than 45% of 26043 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

54 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability71▲+4

Solvency51▲+3

Growth78

Track record94

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €8k at 30 days acceptable

Liquidity short (current ratio 0.51 against 0.38 in 2023; short-term debt: 47.6% and cash: 9% of total assets), and 73.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-06-2025, 48 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

48 d early

2023

43 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€151k▲ 7.7%

2023 · €140k

2023: €140k

2023 → 2024

Total assets

€575k▼ 7.2%

2023 · €620k

2023: €620k

2023 → 2024

Net result

€11k

2023 · €-10k

2023: €-10k

2023 → 2024

Working capital

€-135k▲ 33.2%

2023 · €-203k

2023: €-203k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€140k-€151k▲ 7.7%

Operating result€-9k-€13k

Net result€-10k-€11k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2024: €13k after a loss of €9k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €575k

75.9%

24.1%

Fixed assets €437k▼ 11.8%

Current assets €139k▲ 11.2%

Equity and liabilities €575k

26.3%

73.7%

Equity €151k▲ 7.7%

Debt €424k▼ 11.6%

The debt ratio falls from 77.4% to 73.7%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€74k▲

2023 · €67k

Cash flow

€72k▲

2023 · €67k

Solvency

26.3%▲

2023 · 22.6%

Current ratio

0.51▲

2023 · 0.38

Quick ratio

0.20▲

2023 · 0.16

Debt / equity

2.80▼

2023 · 3.42

ROE

7.2%▲

2023 · -6.8%

ROA

1.9%▲

2023 · -1.5%

Interest coverage

28.82▲

2023 · 26.48

Debt

€424k▼

2023 · €480k

Debt ≤ 1 year

€274k▼

2023 · €328k

Debt > 1 year

€150k=

2023 · €150k

Income taxes

€652

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€620k€575k▼

Fixed assets21/28€495k€437k▼

Intangible fixed assets21€9k€6k▼

Tangible fixed assets22/27€487k€430k▼

Plant, machinery and equipment23€128k€113k▼

Furniture and vehicles24€14k€13k▼

Other tangible fixed assets26€344k€305k▼

Current assets29/58€125k€139k▲

Stocks and contracts in progress3€74k€84k▲

Stocks30/36€74k€84k▲

Amounts receivable within one year40/41€369€1k▲

Trade receivables40€369€1k▲

Current investments50/53€125€425▲

Cash at bank and in hand54/58€48k€52k▲

Deferred charges and accrued income490/1€2k€2k▼

Equity and liabilities

Total equity and liabilities10/49€620k€575k▼

Equity10/15€140k€151k▲

Contributions10/11€150k€150k=

Reserves13-€1k

Distributable reserves133-€1k

Profit (loss) carried forward14€-10k-

Amounts payable17/49€480k€424k▼

Amounts payable after more than one year17€150k€150k=

Financial debts170/4€150k€150k=

Amounts payable within one year42/48€328k€274k▼

Current portion of amounts payable after more than one year42-€2k

Trade debts44€67k€48k▼

Suppliers440/4€67k€48k▼

Taxes, remuneration and social security45€5k€23k▲

Taxes450/3€5k€11k▲

Remuneration and social security454/9-€12k

Other amounts payable47/48€255k€201k▼

Accrued charges and deferred income492/3€2k-

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76k€61k▼

Other operating charges640/8€650€908▲

Gross operating margin9900€68k€75k▲

Operating profit (loss)9901€-9k€13k▲

Financial income75/76B€2k€1k▼

Recurring financial income75€2k€1k▼

Financial charges65/66B€3k€3k▲

Recurring financial charges65€3k€3k▲

Profit (loss) for the period before taxes9903€-10k€11k▲

Income taxes67/77-€652

Profit (loss) for the period9904€-10k€11k▲

Profit (loss) for the period to be appropriated9905€-10k€11k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-10k€1k▲

Profit (loss) brought forward from the previous period14P-€-10k

Transfer to equity691/2-€1k

To other reserves6921-€1k

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 2Filings 2

2025

13-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Back to profitnet €11k

Net result €11k after one loss-making year.

31-12

Financial Equity above €150kEq €151k ▲7.7%

Equity rises from €140k to €151k.

18-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

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, Tielt · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Kortrijkstraat 788700 Tielt

Ground area

729 m²

Building footprint

716 m²

Volume, LiDAR

4,068 m³

Parcel 37015K1064/00C002, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Bert Optiek

Kortrijkstraat 78, 8700 TieltOther manufacturing

since 20222.336.032.786

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
37015K1064/00C002	Flanders	729 m²	1 · 716 m²	11.0 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.

Public money · subsidies and aid

Flemish government

2023 to 2024 · 2 entries · 2,367 EUR awarded · 2,292 EUR paid

Year	Entries	awarded	paid
2024	1	2,217 EUR	2,217 EUR
2023	1	150 EUR	75 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 2,367 EUR · 2,292 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Sint-Martens-Latem · Eq €152k

POINT DE MIRE BRABANT WALLON - RESEAU SOLIDARIS

Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 985 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded26-05-2022

Fiscal year end31-12

Trade name NL Optiek Uniek

Activities, NACEBEL

47742Retail sale of prescription glasses, lenses and sunglasses

47782Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.