Clear Vision Consult
ActiveClear Vision Consult has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €-28k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 59% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-83
Solvency70▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 5.34 against 3.07 in 2024; short-term debt: 12% and cash: 27.6% of total assets), but 55.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
44.8%
Return on assets
-13.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
5 d early
2024
123 d early
2023
64 d early
2022
49 d early
2021
31 d early
2020
20 d early
2019
7 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▼ 22.7%
2024 · €121k
2019: €84k
2020: €132k
2021: €186k
2022: €123k
2023: €121k
2024: €121k
2019 → 2025
Total assets
€209k▼ 19.1%
2024 · €258k
2019: €128k
2020: €166k
2021: €217k
2022: €288k
2023: €208k
2024: €258k
2019 → 2025
Net result
€-28k
2024 · €35k
2019: €65k
2020: €48k
2021: €55k
2022: €68k
2023: €64k
2024: €35k
2019 → 2025
Working capital
€109k▼ 0.6%
2024 · €109k
2019: €79k
2020: €123k
2021: €181k
2022: €136k
2023: €131k
2024: €109k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€186k-€123k▼ 34.1%€121k▼ 1.3%€121k=€93k▼ 22.7%
Operating result€76k-€87k▲ 13.2%€87k▲ 0.1%€45k▼ 47.9%€-22k
Net result€55k-€68k▲ 25.3%€64k▼ 5.8%€35k▼ 46.3%€-28k
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 €22k after €45k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€75k▼ 21.8%
Current assets
€134k▼ 17.5%
Equity and liabilities €209k
Equity
€93k▼ 22.7%
Debt
€115k▼ 15.9%
The debt ratio rises from 53.1% to 55.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-1k▼
2024 · €54k
Cash flow
€-7k▼
2024 · €44k
Solvency
44.8%▼
2024 · 46.9%
Current ratio
5.34▲
2024 · 3.07
Quick ratio
5.34▲
2024 · 3.07
Debt / equity
1.23▲
2024 · 1.13
ROE
-29.4%▼
2024 · 28.6%
ROA
-13.2%▼
2024 · 13.4%
Interest coverage
-0.26▼
2024 · 29.01
Debt
€115k▼
2024 · €137k
Debt ≤ 1 year
€25k▼
2024 · €53k
Debt > 1 year
€90k▲
2024 · €84k
Income taxes
€270▼
2024 · €10k
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€258k€209k▼
Fixed assets21/28€96k€75k▼
Tangible fixed assets22/27€96k€75k▼
Land and buildings22€5k€4k▼
Furniture and vehicles24€91k€71k▼
Current assets29/58€162k€134k▼
Amounts receivable within one year40/41€39k€19k▼
Trade receivables40€29k€14k▼
Other amounts receivable41€10k€5k▼
Current investments50/53€55k€55k=
Cash at bank and in hand54/58€63k€58k▼
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€258k€209k▼
Equity10/15€121k€93k▼
Contributions10/11€19k€19k=
Reserves13€102k€102k=
Distributable reserves133€102k€102k=
Profit (loss) carried forward14€0€-28k▼
Amounts payable17/49€137k€115k▼
Amounts payable after more than one year17€84k€90k▲
Financial debts170/4€63k€47k▼
Other amounts payable178/9€21k€43k▲
Amounts payable within one year42/48€53k€25k▼
Current portion of amounts payable after more than one year42€16k€16k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€0€4k▲
Taxes450/3€0€4k▲
Other amounts payable47/48€36k€3k▼
Income statement
Code20242025
Non-recurring operating income76A-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€21k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€56k€13▼
Operating profit (loss)9901€45k€-22k▼
Financial income75/76B€2k€0▼
Recurring financial income75€2k€0▼
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€45k€-27k▼
Income taxes67/77€10k€270▼
Profit (loss) for the period9904€35k€-28k▼
Profit (loss) for the period to be appropriated9905€35k€-28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€-28k▼
Transfer from equity791/2€0-
Transfer to equity691/2€34€0▼
To other reserves6921€34€0▼
Profit to be distributed694/7€35k€0▼
Return on contributions (dividend)694€35k€0▼
The notes to these accounts (9 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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-28k ▼180%
Net result drops to €-28k, the lowest in the series.
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
13-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2019net €68k ▲25.3%
Net result €68k, the highest in the series.
2021
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Equity above €150kEq €186k ▲41.5%
3 profitable years in a row build equity to €186k.
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €100kEq €132k ▲56.9%
2 profitable years in a row build equity to €132k.
24-01
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Ronse · 1 establishment unit since 2017
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.
Populierstraat 389600 RonseGround area
2,533 m²
Building footprint
226 m²
Volume, LiDAR
1,094 m³
Parcel 45041B1490/00G000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Clear Vision Consult
since 20172.268.126.452
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45041B1490/00G000 | Flanders | 2,533 m² | 1 · 226 m² | 7.4 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.
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Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 994 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2017
Fiscal year end30-06
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.
Contact details
2 entriesE-mail:vpattyn@telenet.be
Phone:0472345991