Skip to content

Fier

Active
Private limited companyfounded 2025active for 1 yearKerkstraat 28, 2970 Schilde, BelgiumKBO/BCE: BE 1019.727.643
Summary

Fier has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78,864 and a net result of €76,864. Its solvency ranks better than 50% of 22,679 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Overview

Activity
Retail sale of prescription glasses, lenses and sunglasses
NACE 47742
1 site
Size
≈ €350,000turnover 2025, estimated
Equity
€78,864
Profit
€76,864
Turnover estimated from the gross margin
Financial health
71 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.7%
Structure
  • LOUELLADirector · permanent representative VAN LAKEN Johan Paul Simon
  • OoghenDirector · permanent representative OOGHE Nathalie Kathy Vera Albert
2025 accounts 24 days early
Why 71raises riskFounded in 2025Size: total assets €234,588Sector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 1.71, cash €60,974Show the evidence

Checked score

Score 2025
71 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 73% of its sector peers (NACE 47, micro)
Financial strength
Strong
Solvency 59
equity 33.6% of total assets
Liquidity 70
short-term debt 30.6% · cash 26.0%
Profitability 100
return on assets 32.8%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,268 companies, NACE 47, micro)
Last 24 months 03-2026: 1.8% 04-2026: 1.9%▲ +0.1 percentage points vs 03-2026 05-2026: 1.9%● unchanged vs 04-2026 06-2026: 2.3%▲ +0.4 percentage points vs 05-2026 07-2026: 2.3%● unchanged vs 06-2026highest value 08-2026: 0.6%▼ -1.7 percentage points vs 07-2026lowest value 09-2026: 0.7%▲ +0.1 percentage points vs 08-2026 10-2026: 0.7%● unchanged vs 09-2026
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity ample (current ratio 1.71, above the usual 1.5; short-term debt: 30.6% and cash: 26% of total assets), but 66.4% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 49% on solvency, 76% on liquidity and 96% on profitability.

The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 1.71, cash €60,974
NBB · annual accounts
raises risk · Founded in 2025
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Size: total assets €234,588
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
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 07-07-2026, 24 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
24 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2025.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. IncorporationAppointments: LOUELLA (director) and Ooghen…

Financials · financial year 2025, micro format

Turnover
≈ €350,000
Estimated: probably between €240,000 and €680,000
Total assets
€234,588
Net result
€76,864
Working capital
€51,102

Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.

Balance-sheet composition
Assets €234,588
Fixed assets €111,629
Current assets €122,958
Equity and liabilities €234,588
Equity €78,864
Debt €155,724
Debt finances 66.4% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€109,746
Cash flow
€85,876
Current ratio
1.71
Quick ratio
0.91
Debt to equity
1.97
ROE
97.5%
ROA
32.8%
Interest coverage
23.77
Debt ≤ 1 year
€71,856
Debt > 1 year
€83,868
Income taxes
€19,300

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 96.6% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
96.6% still going

For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 11,279 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
Filed annual accounts As filed with the NBB · 2025 · 42 lines
Balance sheet Code2025
Assets
Total assets20/58€234,588
Fixed assets21/28€111,629
Intangible fixed assets21€106,362
Tangible fixed assets22/27€1,268
Furniture and vehicles24€1,268
Financial fixed assets28€4,000
Current assets29/58€122,958
Stocks and contracts in progress3€57,784
Stocks30/36€57,784
Amounts receivable within one year40/41€4,200
Trade receivables40€4,200
Cash at bank and in hand54/58€60,974
Equity and liabilities
Total equity and liabilities10/49€234,588
Equity10/15€78,864
Contributions10/11€2,000
Reserves13€76,864
Distributable reserves133€76,864
Amounts payable17/49€155,724
Amounts payable after more than one year17€83,868
Financial debts170/4€83,868
Amounts payable within one year42/48€71,856
Current portion of amounts payable after more than one year42€14,004
Trade debts44€23,182
Suppliers440/4€23,182
Taxes, remuneration and social security45€12,533
Taxes450/3€12,533
Other amounts payable47/48€22,137
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,013
Other operating charges640/8€50
Gross operating margin9900€109,796
Operating profit (loss)9901€100,734
Financial income75/76B€47
Recurring financial income75€47
Financial charges65/66B€4,617
Recurring financial charges65€4,617
Profit (loss) for the period before taxes9903€96,164
Income taxes67/77€19,300
Profit (loss) for the period9904€76,864
Profit (loss) for the period to be appropriated9905€76,864
Appropriation of the result
Profit (loss) to be appropriated9906€76,864
Transfer to equity691/2€76,864
To other reserves6921€76,864

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,013
Other operating charges640/8€50
Gross operating margin9900€109,796
Operating profit (loss)9901€100,734
Financial income75/76B€47
Recurring financial income75€47
Financial charges65/66B€4,617
Recurring financial charges65€4,617
Profit (loss) for the period before taxes9903€96,164
Income taxes67/77€19,300
Profit (loss) for the period9904€76,864
Profit (loss) for the period to be appropriated9905€76,864
Line2025
Assets
Total assets20/58€234,588
Fixed assets21/28€111,629
Intangible fixed assets21€106,362
Tangible fixed assets22/27€1,268
Furniture and vehicles24€1,268
Financial fixed assets28€4,000
Current assets29/58€122,958
Stocks and contracts in progress3€57,784
Stocks30/36€57,784
Amounts receivable within one year40/41€4,200
Trade receivables40€4,200
Cash at bank and in hand54/58€60,974
Equity and liabilities
Total equity and liabilities10/49€234,588
Equity10/15€78,864
Contributions10/11€2,000
Reserves13€76,864
Distributable reserves133€76,864
Amounts payable17/49€155,724
Amounts payable after more than one year17€83,868
Financial debts170/4€83,868
Amounts payable within one year42/48€71,856
Current portion of amounts payable after more than one year42€14,004
Trade debts44€23,182
Suppliers440/4€23,182
Taxes, remuneration and social security45€12,533
Taxes450/3€12,533
Other amounts payable47/48€22,137
Line2025
Profit (loss) for the period9904€76,864
+ Depreciation and write-downs630€9,013
Operating cash flow (approximation)€85,876

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (1)
Financial year Type Filed Reference
31-12-2025 micro format 07-07-2026 2026-00279475

Similar companies · same sector, comparable size

Of the 1,726 active companies whose main activity is retail sale of prescription glasses, lenses and sunglasses (NACE 47742), figures are known for 1,160. 995 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
2 directors, no change since 2025

Board 2

LOUELLA
Director (not named in the articles) · since 11-02-2025 · Limited partnership · permanent representative: VAN LAKEN Johan Paul Simon
Current
Ooghen
Director (not named in the articles) · since 11-02-2025 · Limited partnership · permanent representative: OOGHE Nathalie Kathy Vera Albert
Current

Permanent representatives 2

OOGHE Nathalie Kathy Vera Albert
Permanent representative · since 11-02-2025 · for Ooghen
Current
VAN LAKEN Johan Paul Simon
Permanent representative · since 11-02-2025 · for LOUELLA
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

2 people since 2025, 2 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
LOUELLA
  • Director (not named in the articles), from 11-02-2025 to date
Ooghen
  • Director (not named in the articles), from 11-02-2025 to date
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 11-02-2025 ↗
  • VAN LAKEN Johan Paul Simon 50 shares (50%) · €1,000
  • OOGHE Nathalie Kathy Vera Albert 50 shares (50%) · €1,000

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 11-02-2025 Incorporation · €2,000 · 100 shares

Group and network

Connections & network

2 current directors
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

On 7 February 2025, Fier was incorporated as a private limited company by two natural persons, with a starting capital of €2,000.12 Of the 2 current board members, 2 have served since 2025.2 The company has filed annual accounts once, for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 11-02-2025
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

2026
07-07
NBB filing Annual accounts filed
financial year 2025 · micro format
2025
11-02
Gazette deed Incorporation
Appointments: LOUELLA (director) and Ooghen (director) · Permanent representatives: VAN LAKEN Johan Paul Simon and OOGHE Nathalie Kathy Vera Albert · Founder14 facts ▸
  • Incorporation, 05-02-2025
  • Founder, VAN LAKEN Johan Paul Simon
  • Founder, OOGHE Nathalie Kathy Vera Albert
  • Capital
  • Founding capital, €2,000
  • Bank account, “Crelan, totale stortingen” (deed in Dutch)
  • Registered office clause, “2970 Schilde,Kerkstraat 28” (deed in Dutch)
  • Board rule, 2
  • Director appointment, LOUELLA (director (not named in the articles))
  • Permanent representative, VAN LAKEN Johan Paul Simon (2 times)
  • Director appointment, Ooghen (director (not named in the articles))
  • Permanent representative, OOGHE Nathalie Kathy Vera Albert
  • +2 further facts in this act
Gazette deedNBB filing
1 of 1 deed read

Register details

Identification
Legal formPrivate limited company
Founded07-02-2025
Financial year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
E-invoicing
Reachable via Peppol
Peppol ID 0208:1019727643
Registered 21-10-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 31 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Schilde · 1 establishment unit since 2025
registered office establishment The establishment unit on the map
Ground area
692 m²
Building footprint
201 m²
Building volume
1,162 m³
Parcel 11041B0294/00K005, Flanders · tallest building 10.8 m. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
Fier
Kerkstraat 28, 2970 SchildeRetail sale of prescription glasses, lenses and sunglasses
since 2025unit no. 2.369.984.271
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
11041B0294/00K005 Flanders 692 m² 1 · 201 m² 10.8 m · 2
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
Fier
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Bij enkel besluit, Vlaamse Gewest” (deed in Dutch)

deed of 11-02-2025

Who represents it, and how

Board ruleHow the board is made up, meets and takes decisions.
“Bestuursorgaan, natuurlijke personen of rechtspersonen” (deed in Dutch)
“Algemene kosten, algemene vergadering” (deed in Dutch)

deed of 11-02-2025

Capital, shares and profit

Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
“Procedure- en expertisekosten helft overdrager helft koper(s),naar evenredigheid aantal bij meerdere kopers;zelfde bij weigering erfgenaam…” (deed in Dutch)
Share issue ruleHow and by whom new shares can be issued.
“Inbreng in geld met uitgifte van nieuwe aandelen-recht van voorkeur, bestaande aandeelhouders” (deed in Dutch)

deed of 11-02-2025

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Third Monday of June at 14:00

deed of 11-02-2025

Oversight and winding up

Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor
Dissolution ruleWhen and by whom the company can be dissolved.
“Beslissing algemene vergadering in vormen vereist voor statutenwijziging, op elk moment” (deed in Dutch)
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
“Ontbinding om welke reden en op welk ogenblik ook, bestuurder(s) in functie indien geen andere vereffenaar benoemd” (deed in Dutch)

deed of 11-02-2025

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Aandelen moeten bij uitgifte worden volgestort, stortingsplicht” (deed in Dutch)
Other provision: “Op naam, aard van de aandelen” (deed in Dutch)
Other provision: “Dagelijks bestuur, een of meer leden als gedelegeerd bestuurder of een of meer directeurs” (deed in Dutch)
Other provision: “Controle van de vennootschap, wanneer door de wet vereist en binnen wettelijke grenzen” (deed in Dutch)
Other provision: “Alle besluiten van algemene vergadering behalve authentieke akte, schriftelijke algemene vergadering” (deed in Dutch)
Other provision: “Toegang tot algemene vergadering, rechten niet geschorst” (deed in Dutch)
Other provision: “Bestuurder bij gebrek aandeelhouder met meeste aandelen bij pariteit oudste, zittingen processen-verbaal” (deed in Dutch)
Other provision: “Besluiten bij meerderheid van stemmen, meerderheid algemene vergadering” (deed in Dutch)
Other provision: “Bestuursorgaan, elke gewone of buitengewone algemene vergadering” (deed in Dutch)
Other provision: “Algemene vergadering bepaalt aanwending nettowinst op voorstel bestuursorgaan, bestemming winst-reserves” (deed in Dutch)
Liquidation distribution: “Goederen in natura op zelfde wijze verdeeld, netto-actief onder alle aandeelhouders naar verhouding aantal aandelen” (deed in Dutch)
Other provision: “Uitvoering statuten,alle mededelingen,aanmaningen,dagvaardingen,betekeningen geldig, woonstkeuze” (deed in Dutch)
Other provision: “Rechtbank rechtsgebied zetel, betwisting zaken vennootschap en uitvoering statuten tussen…” (deed in Dutch)
6 more provisions in the deed, see the deed of 11-02-2025

deed of 11-02-2025