ERPOPTIC
ActiveSummary
ERPOPTIC has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €81,182 and a net result of €28,145. Equity is growing by ~52.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 26040 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability83▲+5
Solvency58▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.01 in 2023; short-term debt: 38.1% and cash: 15.6% of total assets), and 67.3% of the assets are financed with debt.
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Signals
Four 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
32.7%
Return on assets
11.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
58 d early
2022
56 d early
2021
60 d early
2020
65 d early
2019
59 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 57 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€81,182▲ 53.1%
2023 · €53,038
Total assets
€248,046▼ 0.4%
2023 · €249,028
Net result
€28,145▲ 48.7%
2023 · €18,929
Working capital
€11,531▲ 1,445%
2023 · €746
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€38,602▲ 185%€42,709▲ 10.6%€722▼ 98.3%€29,346▲ 3,964%€41,681▲ 42.0%
Net result€33,762above the sector's middle half▲ 295%€34,561above the sector's middle half▲ 2.4%-€3,856within the sector's middle half€18,929within the sector's middle half€28,145above the sector's middle half▲ 48.7%
Equity€3,403below the sector's middle half€37,964within the sector's middle half▲ 1,015%€34,108within the sector's middle half▼ 10.2%€53,038within the sector's middle half▲ 55.5%€81,182within the sector's middle half▲ 53.1%
Total assets€302,319within the sector's middle half▲ 16.4%€290,007within the sector's middle half▼ 4.1%€275,673within the sector's middle half▼ 4.9%€249,028within the sector's middle half▼ 9.7%€248,046within the sector's middle half▼ 0.4%
Debt€298,916▲ 3.0%€252,043▼ 15.7%€241,565▼ 4.2%€195,991▼ 18.9%€166,864▼ 14.9%
Working capital€16,980€21,939▲ 29.2%-€2,975€746€11,531▲ 1,445%
Solvency1.1%below the sector's middle half▲ 12.8pp13.1%within the sector's middle half▲ 12.0pp12.4%within the sector's middle half▼ 0.7pp21.3%within the sector's middle half▲ 8.9pp32.7%within the sector's middle half▲ 11.4pp
Staff (FTE)0.81▲ 25.0%1.2▲ 20.0%2▲ 66.7%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 42% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €248,046
Fixed assets
€142,040 ▼ 12.4%
Current assets
€106,006 ▲ 21.9%
Equity and liabilities €248,046
Equity
€81,182 ▲ 53.1%
Debt
€166,864 ▼ 14.9%
Debt's share of the balance-sheet total falls from 78.7% to 67.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€61,720▲
2023 · €50,279
Cash flow
€48,184▲
2023 · €39,862
Current ratio
1.12▲
2023 · 1.01
Quick ratio
0.44▲
2023 · 0.21
Debt to equity
2.06▼
2023 · 3.70
ROE
34.7%▼
2023 · 35.7%
ROA
11.3%▲
2023 · 7.6%
Interest coverage
18.60▲
2023 · 11.72
Debt ≤ 1 year
€94,475▲
2023 · €86,204
Debt > 1 year
€72,388▼
2023 · €109,337
Income taxes
€10,218▲
2023 · €6,125
Staff costs
€65,426▲
2023 · €28,253
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,672 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €15,901 | €23,170 | €28,253 | €65,426 | ▲ 132% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,787 | €12,765 | €18,365 | €20,933 | €20,039 | ▼ 4.3% |
| Other operating charges640/8 | - | €2,795 | €2,957 | €3,222 | €3,124 | ▼ 3.1% |
| Gross operating margin9900 | €63,358 | €74,169 | €45,214 | €81,754 | €130,270 | ▲ 59.3% |
| Operating profit (loss)9901 | €38,602 | €42,709 | €722 | €29,346 | €41,681 | ▲ 42.0% |
| Financial income75/76B | - | €4 | - | - | - | - |
| Recurring financial income75 | €9 | €4 | - | - | - | - |
| Financial charges65/66B | - | €4,401 | €4,425 | €4,292 | €3,318 | ▼ 22.7% |
| Recurring financial charges65 | €4,732 | €4,401 | €4,425 | €4,292 | €3,318 | ▼ 22.7% |
| Profit (loss) for the period before taxes9903 | €33,880 | €38,312 | -€3,703 | €25,054 | €38,363 | ▲ 53.1% |
| Income taxes67/77 | €118 | €3,752 | €152 | €6,125 | €10,218 | ▲ 66.8% |
| Profit (loss) for the period9904 | €33,762 | €34,561 | -€3,856 | €18,929 | €28,145 | ▲ 48.7% |
| Profit (loss) for the period to be appropriated9905 | €33,762 | €34,561 | -€3,856 | €18,929 | €28,145 | ▲ 48.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €302,319 | €290,007 | €275,673 | €249,028 | €248,046 | ▼ 0.4% |
| Fixed assets21/28 | €185,245 | €172,987 | €183,012 | €162,079 | €142,040 | ▼ 12.4% |
| Intangible fixed assets21 | €800 | - | - | €0 | €0 | - |
| Tangible fixed assets22/27 | €180,025 | €168,348 | €178,373 | €157,440 | €137,402 | ▼ 12.7% |
| Land and buildings22 | - | €121,940 | €117,466 | €112,992 | €108,518 | ▼ 4.0% |
| Plant, machinery and equipment23 | - | €42,195 | €58,235 | €43,225 | €28,215 | ▼ 34.7% |
| Furniture and vehicles24 | - | €4,214 | €2,673 | €1,223 | €668 | ▼ 45.4% |
| Financial fixed assets28 | €4,420 | €4,638 | €4,638 | €4,638 | €4,638 | = |
| Current assets29/58 | €117,075 | €117,020 | €92,662 | €86,950 | €106,006 | ▲ 21.9% |
| Stocks and contracts in progress3 | €51,828 | €62,144 | €68,508 | €69,225 | €64,592 | ▼ 6.7% |
| Stocks30/36 | - | €62,144 | €68,508 | €69,225 | €64,592 | ▼ 6.7% |
| Amounts receivable within one year40/41 | €4,223 | €1,289 | €2,012 | €779 | €353 | ▼ 54.6% |
| Trade receivables40 | - | €332 | €1,854 | - | €122 | - |
| Other amounts receivable41 | - | €957 | €158 | €779 | €231 | ▼ 70.3% |
| Cash at bank and in hand54/58 | €60,228 | €52,809 | €21,294 | €16,589 | €38,764 | ▲ 134% |
| Deferred charges and accrued income490/1 | - | €778 | €847 | €356 | €2,297 | ▲ 544% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €302,319 | €290,007 | €275,673 | €249,028 | €248,046 | ▼ 0.4% |
| Equity10/15 | €3,403 | €37,964 | €34,108 | €53,038 | €81,182 | ▲ 53.1% |
| Contributions10/11 | - | €40,000 | €40,000 | €40,000 | €40,000 | = |
| Profit (loss) carried forward14 | -€36,597 | -€2,036 | -€5,892 | €13,038 | €41,182 | ▲ 216% |
| Amounts payable17/49 | €298,916 | €252,043 | €241,565 | €195,991 | €166,864 | ▼ 14.9% |
| Amounts payable after more than one year17 | €198,821 | €156,698 | €145,672 | €109,337 | €72,388 | ▼ 33.8% |
| Financial debts170/4 | - | €156,698 | €145,672 | €109,337 | €72,388 | ▼ 33.8% |
| Amounts payable within one year42/48 | €100,095 | €95,081 | €95,637 | €86,204 | €94,475 | ▲ 9.6% |
| Current portion of amounts payable after more than one year42 | - | €42,123 | €36,760 | €36,335 | €36,949 | ▲ 1.7% |
| Trade debts44 | €48,285 | €41,929 | €51,163 | €35,095 | €42,508 | ▲ 21.1% |
| Suppliers440/4 | - | €41,929 | €51,163 | €35,095 | €42,508 | ▲ 21.1% |
| Taxes, remuneration and social security45 | - | €11,019 | €5,561 | €14,684 | €14,849 | ▲ 1.1% |
| Taxes450/3 | - | €11,019 | €4,384 | €14,684 | €7,237 | ▼ 50.7% |
| Remuneration and social security454/9 | - | - | €1,177 | - | €7,612 | - |
| Other amounts payable47/48 | - | €10 | €2,153 | €89 | €169 | ▲ 90.5% |
| Accrued charges and deferred income492/3 | - | €264 | €256 | €450 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33,762 | €34,561 | -€3,856 | €18,929 | €28,145 | ▲ 48.7% |
| + Depreciation and write-downs630 | €18,787 | €12,765 | €18,365 | €20,933 | €20,039 | ▼ 4.3% |
| Operating cash flow (approximation) | €52,549 | €47,325 | €14,509 | €39,862 | €48,184 | ▲ 20.9% |
| Investment in fixed assets (approximation) | - | -€507 | -€28,390 | €0 | €0 | - |
| Change in cash | - | -€7,419 | -€31,515 | -€4,705 | €22,175 | ▲ 571% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €18,929
Net result €18,929 after one loss-making year.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €34,561 ▲2.4%
Operating result €42,709, net result €34,561, both a record.
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €8,546
Net result €8,546 after one loss-making year.
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Andenne · 1 establishment unit since 2016
Ground area
4,687 m²
Building footprint
235 m²
Parcel 92003H0496/00L002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Promenade des Ours C12, 5300 Andenne
since 20162.254.526.854
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92003H0496/00L002 | Wallonia | 4,687 m² | 1 · 235 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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OPTIEK ANKE FIERENS
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MORGANA
BE 0760.627.478
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BE 0403.003.326
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Of 1,733 companies in sector 47742 we hold annual accounts for 1,139. 984 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-06-2016
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
33130Repair, maintenance and installation of machinery and equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0657810547
Also
9925:BE0657810547
Registered
12-02-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.