Checked.be
Active
BE 0477.982.940Private limited company
CODE OPTIQUE
Rue de Robiano(BIN) 2 ·7130 Binche, Belgium· 24 yrs active
Sector: Retail sale of prescription glasses, lenses and sunglasses
(47742)
Conclusion
CODE OPTIQUE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €121k and a net result of €20k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 85% of 26062 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €121k |
| Net result | €20k |
| Better than sector | 85% |
| Active | 24 yrs |
Financial profile
90
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
90
Profitability
82
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 2002, 24 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
90
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€11k
estimate, not credit advice
Score history
50
2020
100
2021
100
2022
100
2023
90
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 4.31 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.84 (≥ 1.0)
+5
Leverage
Debt/equity 0.31 (< 1.0)
+10
Profitability
ROE 16% (≥ 10%)
+10
Interest coverage
Interest coverage 438.7× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 31-08-2025 with the NBB · fiscal year 2024 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Gross margin: growth of ~26.7%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 76.6% | 32.3% | |
| Net result | €20k | €4k | |
| Equity | €121k | €39k | |
| Gross operating margin | €33k | €31k | |
| Staff costs | €55 | €38k |
€32k
-16.4%
20-24
€20k
-18.5%
20-24
€23k
-14.0%
20-24
€158k
+3.5%
20-24
€121k
-4.9%
20-24
€117k
-4.5%
20-24
€55
+3.0%
20-24
€9k
-18.7%
20-24
€26k
+31.3%
20-24
€37k
+45.7%
20-24
€35k
+66.8%
20-24
4.31
-36.4%
20-24
1.84
-28.1%
20-24
76.6%
-8.1%
20-24
0.31
+53.1%
20-24
16.4%
-14.4%
20-24
12.6%
-21.3%
20-24
438.72
-31.8%
20-24
Figures by fiscal year and ratios
Change versus the prior fiscal year, coloured by direction (green = favourable).
| Fiscal year | 2024 Δ | 2023 Δ | 2022 Δ | 2021 Δ | 2020 Δ |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | -16.4% | +17.5% | +47.4% | - | - |
| Net profit | -18.5% | +19.2% | +25.8% | - | - |
| Cash flow | -14.0% | +19.3% | +30.6% | - | - |
| Staff costs | +3.0% | +2.9% | +3.0% | - | - |
| Income taxes | -18.7% | +16.1% | +110.7% | +2510.4% | - |
| Dividends | +31.3% | - | - | - | - |
| Total assets | +3.5% | +12.0% | +17.4% | +11.9% | - |
| Equity | -4.9% | +3.7% | +20.0% | +18.9% | - |
| Debt | +45.7% | +87.2% | -2.2% | -22.1% | - |
| of which ≤ 1y | +66.8% | +56.0% | -2.2% | -9.2% | - |
| of which > 1y | - | - | - | - | - |
| Working capital | -4.5% | +5.6% | +16.0% | +17.3% | - |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|
| Current ratio | 4.31 | 6.79 | 9.54 | 8.20 | 6.58 |
| Quick ratio | 1.84 | 2.55 | 3.06 | 1.58 | 0.79 |
| Working capital ratio | 74.1% | 80.3% | 85.1% | 86.1% | 82.2% |
| Solvency | 76.6% | 83.3% | 90.0% | 88.0% | 82.8% |
| Debt / equity | 0.31 | 0.20 | 0.11 | 0.14 | - |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | 438.72 | 643.31 | 188.05 | 141.96 | - |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 12.6% | 16.0% | 15.0% | 14.0% | -9.3% |
| ROE | 16.4% | 19.2% | 16.7% | 15.9% | -11.2% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2024
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €158k | €152k | €136k | €116k | €103k |
| Fixed assets | 21/28 | €6k | €9k | €7k | €2k | €3k |
| Tangible fixed assets | 22/27 | €4k | €7k | €5k | €753 | €2k |
| Financial fixed assets | 28 | €1k | €1k | €1k | €1k | €1k |
| Current assets | 29/58 | €152k | €143k | €129k | €114k | €100k |
| Stocks & contracts in progress | 3 | €87k | €89k | €88k | €92k | €88k |
| Amounts receivable within one year | 40/41 | €2k | €2k | €993 | €3k | €5k |
| Cash & bank | 54/58 | €62k | €51k | €40k | €17k | €7k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €158k | €152k | €136k | €116k | €103k |
| Equity | 10/15 | €121k | €127k | €122k | €102k | €86k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | - |
| Reserves | 13 | €102k | €108k | €103k | €83k | €67k |
| Accumulated profits (losses) | 14 | €426 | €426 | €426 | €426 | €426 |
| Amounts payable | 17/49 | €37k | €25k | €14k | €14k | €18k |
| Amounts payable within one year | 42/48 | €35k | €21k | €14k | €14k | €15k |
| Trade debts payable within one year | 44 | €4k | €2k | €2k | €5k | €9k |
| Income statement | ||||||
| Gross operating margin | 9900 | €33k | €39k | €33k | €24k | €-8k |
| Operating result | 9901 | €29k | €36k | €30k | €21k | €-10k |
| Financial income | 75 | €508 | €123 | €6 | €0 | - |
| Financial charges | 65 | €73 | €59 | €173 | €155 | €45 |
| Result before taxes | 9903 | €29k | €36k | €30k | €21k | €-10k |
| Income taxes | 67/77 | €9k | €11k | €10k | €5k | €179 |
| Net result for the period | 9904 | €20k | €24k | €20k | €16k | €-10k |
| Result to be appropriated | 9905 | €20k | €24k | €20k | €16k | €-10k |
Legal Structure
| NACE primary | Retail sale of prescription glasses, lenses and sunglasses(47742) |
| Legal form | Private limited company(610) |
| Incorporation | 12-07-2002 |
| Status | Active |
| Postal code | 7130 |
Establishment units
Rue de Robiano(BIN) 2, 7130 Binche
since 20022.099.169.278
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56011B0404/00Z000 | Wallonia | 89 m² | 1 · 89 m² | - |
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.
Updates
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2020net €24k ▲19.2%
Operating result €36k, net result €24k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-12
Financial
Equity above €100kEq €102k ▲18.9%
Equity rises from €86k to €102k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Retail sale of prescription glasses, lenses and sunglasses47742Retail trade4778252485Manufacture of jewellery3212336223Retail sale of watches and jewellery4777052484
Names & trade names
| Legal nameFR | CODE OPTIQUE |
Similar companies
OPTIEK EVELINE
BE 0755.422.637 · Oosterzele
Optiek Goormachtigh
BE 0478.439.731 · Boom
Alice Eyewear
BE 0644.966.658 · Gent
B.V. VERSCHOOTEN
BE 0425.518.412 · Mechelen
COMPTOIR CENTRAL D'OPTIQUE
BE 0423.789.634 · Seraing