CARPENTIER
ActiveThe annual accounts of CARPENTIER for fiscal year 2025 show a net loss of 60% of total assets. The 2025 annual accounts show equity of €59k and a net result of €-39k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 94% of 18173 sector peers (fiscal year 2025). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-5
Solvency100▲+9
Growth32=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 9.6 against 2.83 in 2024; short-term debt: 10% and cash: 4.5% of total assets), and 10% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
90%
Return on assets
-60%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-39k
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 13-04-2026, 109 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
109 d early
2024
56 d late
2023
153 d late
2022
149 d late
2021
73 d late
2020
31 d late
2019
117 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€59k▼ 40.0%
2024 · €98k
2018: €107k
2019: €116k
2020: €116k
2021: €118k
2022: €120k
2023: €114k
2024: €98k
2018 → 2025
Total assets
€65k▼ 56.2%
2024 · €149k
2018: €134k
2019: €146k
2020: €139k
2021: €142k
2022: €150k
2023: €146k
2024: €149k
2018 → 2025
Net result
€-39k▼ 134%
2024 · €-17k
2018: €12k
2019: €8k
2020: €672
2021: €1k
2022: €2k
2023: €-6k
2024: €-17k
2018 → 2025
Working capital
€56k▼ 40.2%
2024 · €94k
2018: €104k
2019: €114k
2020: €115k
2021: €112k
2022: €114k
2023: €110k
2024: €94k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€118k-€120k▲ 1.8%€114k▼ 4.6%€98k▼ 14.6%€59k▼ 40.0%
Operating result€2k-€3k▲ 16.0%€-3k€-16k▼ 493%€-39k▼ 142%
Net result€1k-€2k▲ 69.2%€-6k€-17k▼ 200%€-39k▼ 134%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €39k in 2025 against €16k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €65k
Fixed assets
€3k▼ 34.8%
Current assets
€63k▼ 56.8%
Equity and liabilities €65k
Equity
€59k▼ 40.0%
Debt
€7k▼ 87.3%
The debt ratio falls from 34.3% to 10.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-37k▼
2024 · €-15k
Cash flow
€-38k▼
2024 · €-16k
Solvency
90.0%▲
2024 · 65.7%
Current ratio
9.60▲
2024 · 2.83
Quick ratio
1.00▼
2024 · 1.71
Debt / equity
0.11▼
2024 · 0.52
ROE
-66.7%▼
2024 · -17.1%
ROA
-60.0%▼
2024 · -11.2%
Interest coverage
-59.89▼
2024 · -21.22
Debt
€7k▼
2024 · €51k
Debt ≤ 1 year
€7k▼
2024 · €51k
Staff costs
€4k▼
2024 · €12k
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€149k€65k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€3k€1k▼
Other tangible fixed assets26€3k€1k▼
Financial fixed assets28€1k€1k=
Current assets29/58€145k€63k▼
Stocks and contracts in progress3€58k€56k▼
Stocks30/36€58k€56k▼
Amounts receivable within one year40/41€80k€4k▼
Trade receivables40€56k€4k▼
Other amounts receivable41€24k-
Cash at bank and in hand54/58€6k€3k▼
Deferred charges and accrued income490/1€833-
Equity and liabilities
Total equity and liabilities10/49€149k€65k▼
Equity10/15€98k€59k▼
Contributions10/11€35k€35k=
Outside capital11-€35k
Share premium1100/10-€2k
Other1109/19-€32k
Reserves13€10k€10k=
Non-distributable reserves130/1€3k€3k=
Legal reserve130-€3k
Reserves not available under the articles1311€3k-
Tax-exempt reserves132€6k€6k=
Profit (loss) carried forward14€53k€14k▼
Amounts payable17/49€51k€7k▼
Amounts payable within one year42/48€51k€7k▼
Trade debts44€7k-
Suppliers440/4€7k-
Taxes, remuneration and social security45€19k€4k▼
Taxes450/3€18k€4k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€25k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€12k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€694€1k▲
Other operating charges640/8-€1k
Gross operating margin9900€-4k€-32k▼
Operating profit (loss)9901€-16k€-39k▼
Financial income75/76B€12€241▲
Recurring financial income75€12€241▲
Financial charges65/66B€720€623▼
Recurring financial charges65€720€623▼
Profit (loss) for the period before taxes9903€-17k€-39k▼
Income taxes67/77€1-
Profit (loss) for the period9904€-17k€-39k▼
Profit (loss) for the period to be appropriated9905€-17k€-39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€14k▼
Profit (loss) brought forward from the previous period14P€70k€53k▼
The notes to these accounts (4 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
13-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 9.60
Current ratio from 2.83 to 9.60; short-term debt falls from €51k to €7k.
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
27-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 149 days late
2022
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 73 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 117 days late
2019
29-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 60 days late
2018
12-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 196 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brussel · 1 establishment unit since 1993
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.
Zuidstraat 471000 BrusselGround area
30 m²
Building footprint
30 m²
Volume, LiDAR
464 m³
Parcel 21004A0569/00D000, Brussels · tallest building 18.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
OPTIQUE CARPENTIER
since 19932.061.627.310
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21004A0569/00D000 | Brussels | 30 m² | 1 · 30 m² | 18.9 m · 6 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.
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BE 0800.909.796
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SYNOPTIQ
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Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 954 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-03-1993
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.