France - Optic
ActiveSummary
France - Optic has been active since 1975 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €178k and a net result of €15k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 85% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability77▲+2
Solvency100▲+11
Growth58=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 2.75 in 2024; short-term debt: 22.7% and cash: 31.4% of total assets), and 22.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven 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
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
77.2%
Return on assets
6.7%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €178k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
34 d early
2021
32 d early
2020
34 d early
2019
74 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€178k▲ 9.5%
2024 · €163k
2018: €183khighest in 8 years
2019: €160k▼ -12.9% vs 2018
2020: €167k▲ +4.9% vs 2019
2021: €161k▼ -4.0% vs 2020
2022: €156k▼ -3.0% vs 2021
2023: €150k▼ -3.8% vs 2022lowest in 8 years
2024: €163k▲ +8.4% vs 2023
2025: €178k▲ +9.5% vs 2024
2018 → 2025
Total assets
€230k▼ 8.7%
2024 · €252k
2018: €243k
2019: €210k▼ -13.5% vs 2018
2020: €212k▲ +0.8% vs 2019
2021: €230k▲ +8.4% vs 2020
2022: €209k▼ -9.0% vs 2021
2023: €200k▼ -4.6% vs 2022lowest in 8 years
2024: €252k▲ +26.5% vs 2023highest in 8 years
2025: €230k▼ -8.7% vs 2024
2018 → 2025
Net result
€15k▲ 22.2%
2024 · €13k
2018: €-20k
2019: €-24k▼ -19.5% vs 2018lowest in 8 years
2020: €8k▲ +133% vs 2019
2021: €-7k▼ -185% vs 2020
2022: €-5k▲ +27.2% vs 2021
2023: €-6k▼ -23.2% vs 2022
2024: €13k▲ +312% vs 2023
2025: €15k▲ +22.2% vs 2024highest in 8 years
2018 → 2025
Working capital
€75k▼ 19.0%
2024 · €93k
2018: €183khighest in 8 years
2019: €145k▼ -21.0% vs 2018
2020: €161k▲ +11.6% vs 2019
2021: €130k▼ -19.2% vs 2020
2022: €142k▲ +9.1% vs 2021
2023: €149k▲ +4.8% vs 2022
2024: €93k▼ -37.5% vs 2023
2025: €75k▼ -19.0% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€161k-€156k▼ 3.0%€150k▼ 3.8%€163k▲ 8.4%€178k▲ 9.5%
2021: €161k
2022: €156k▼ -3.0% vs 2021
2023: €150k▼ -3.8% vs 2022lowest in 5 years
2024: €163k▲ +8.4% vs 2023
2025: €178k▲ +9.5% vs 2024highest in 5 years
Operating result€-7k-€-5k▲ 27.1%€-7k▼ 22.5%€13k€17k▲ 27.2%
2021: €-7klowest in 5 years
2022: €-5k▲ +27.1% vs 2021
2023: €-7k▼ -22.5% vs 2022
2024: €13k▲ +300% vs 2023
2025: €17k▲ +27.2% vs 2024highest in 5 years
Net result€-7k-€-5k▲ 27.2%€-6k▼ 23.2%€13k€15k▲ 22.2%
2021: €-7klowest in 5 years
2022: €-5k▲ +27.2% vs 2021
2023: €-6k▼ -23.2% vs 2022
2024: €13k▲ +312% vs 2023
2025: €15k▲ +22.2% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 27% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €230k
Fixed assets
€103k ▼ 3.0%
Current assets
€128k ▼ 12.9%
Equity and liabilities €230k
Equity
€178k ▲ 9.5%
Provisions
€0 ▼ 100%
Debt
€52k ▼ 29.9%
Debt's share of the balance-sheet total falls from 29.6% to 22.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30k▲
2024 · €25k
Cash flow
€29k▲
2024 · €25k
Current ratio
2.44▼
2024 · 2.75
Quick ratio
1.64▼
2024 · 1.91
Debt to equity
0.29▼
2024 · 0.46
ROE
8.7%▲
2024 · 7.8%
ROA
6.7%▲
2024 · 5.0%
Interest coverage
16.77▼
2024 · 28.77
Debt ≤ 1 year
€52k▼
2024 · €53k
Staff costs
€25k▲
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€252k€230k▼
Fixed assets21/28€106k€103k▼
Tangible fixed assets22/27€106k€103k▼
Plant, machinery and equipment23€11k€7k▼
Furniture and vehicles24-€6k
Leasing and similar rights25€95k€90k▼
Financial fixed assets28-€100
Current assets29/58€147k€128k▼
Stocks and contracts in progress3€45k€42k▼
Stocks30/36€45k€42k▼
Amounts receivable within one year40/41€27k€11k▼
Trade receivables40€7k€7k▼
Other amounts receivable41€19k€4k▼
Cash at bank and in hand54/58€74k€72k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€252k€230k▼
Equity10/15€163k€178k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€142k€158k▲
Provisions and deferred taxes16€15k-
Provisions for liabilities and charges160/5€15k-
Major repairs and maintenance162€10k-
Other liabilities and charges164/5€5k-
Amounts payable17/49€75k€52k▼
Amounts payable after more than one year17€21k-
Financial debts170/4€21k-
Amounts payable within one year42/48€53k€52k▼
Current portion of amounts payable after more than one year42€32k€28k▼
Trade debts44€9k€15k▲
Suppliers440/4€9k€15k▲
Taxes, remuneration and social security45€13k€8k▼
Taxes450/3€8k€7k▼
Remuneration and social security454/9€5k€1k▼
Accrued charges and deferred income492/3€190€190=
Income statement
Code20242025
Non-recurring operating income76A-€15k
Remuneration, social security and pensions62€16k€25k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€8k-
Other operating charges640/8€14k€1k▼
Non-recurring operating charges66A€52-
Gross operating margin9900€62k€56k▼
Operating profit (loss)9901€13k€17k▲
Financial income75/76B€134€201▲
Recurring financial income75€134€201▲
Financial charges65/66B€885€2k▲
Recurring financial charges65€885€2k▲
Profit (loss) for the period before taxes9903€13k€15k▲
Profit (loss) for the period9904€13k€15k▲
Profit (loss) for the period to be appropriated9905€13k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€142k€158k▲
Profit (loss) brought forward from the previous period14P€129k€142k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €15k | - |
| Remuneration, social security and pensions62 | - | €42k | €37k | €16k | €25k | ▲ 60.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14k | €10k | €10k | €12k | €13k | ▲ 8.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €1k | - | - | - | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €9k | €8k | - | - |
| Other operating charges640/8 | - | €1k | €731 | €14k | €1k | ▼ 92.5% |
| Non-recurring operating charges66A | - | - | - | €52 | - | - |
| Gross operating margin9900 | €50k | €50k | €49k | €62k | €56k | ▼ 9.5% |
| Operating profit (loss)9901 | €-7k | €-5k | €-7k | €13k | €17k | ▲ 27.2% |
| Financial income75/76B | - | €827 | €747 | €134 | €201 | ▲ 49.7% |
| Recurring financial income75 | €1k | €827 | €747 | €134 | €201 | ▲ 49.7% |
| Financial charges65/66B | - | €213 | €29 | €885 | €2k | ▲ 103% |
| Recurring financial charges65 | €405 | €213 | €29 | €885 | €2k | ▲ 103% |
| Profit (loss) for the period before taxes9903 | €-7k | €-5k | €-6k | €13k | €15k | ▲ 22.2% |
| Profit (loss) for the period9904 | €-7k | €-5k | €-6k | €13k | €15k | ▲ 22.2% |
| Profit (loss) for the period to be appropriated9905 | €-7k | €-5k | €-6k | €13k | €15k | ▲ 22.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €230k | €209k | €200k | €252k | €230k | ▼ 8.7% |
| Fixed assets21/28 | €33k | €31k | €21k | €106k | €103k | ▼ 3.0% |
| Tangible fixed assets22/27 | €33k | €31k | €21k | €106k | €103k | ▼ 3.0% |
| Plant, machinery and equipment23 | - | €26k | €19k | €11k | €7k | ▼ 41.7% |
| Furniture and vehicles24 | - | €5k | €2k | - | €6k | - |
| Leasing and similar rights25 | - | - | - | €95k | €90k | ▼ 5.1% |
| Financial fixed assets28 | - | - | - | - | €100 | - |
| Current assets29/58 | €197k | €178k | €179k | €147k | €128k | ▼ 12.9% |
| Stocks and contracts in progress3 | €49k | €55k | €70k | €45k | €42k | ▼ 5.6% |
| Stocks30/36 | - | €55k | €70k | €45k | €42k | ▼ 5.6% |
| Amounts receivable within one year40/41 | €11k | €17k | €15k | €27k | €11k | ▼ 59.9% |
| Trade receivables40 | - | €5k | €2k | €7k | €7k | ▼ 8.3% |
| Other amounts receivable41 | - | €12k | €13k | €19k | €4k | ▼ 79.7% |
| Cash at bank and in hand54/58 | €137k | €106k | €94k | €74k | €72k | ▼ 2.0% |
| Deferred charges and accrued income490/1 | - | €7 | - | €2k | €3k | ▲ 65.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €230k | €209k | €200k | €252k | €230k | ▼ 8.7% |
| Equity10/15 | €161k | €156k | €150k | €163k | €178k | ▲ 9.5% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | - | €19k | - | - | - | - |
| Issued capital100 | - | €19k | - | - | - | - |
| Outside capital11 | - | - | €19k | - | - | - |
| Other1109/19 | - | - | €19k | - | - | - |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €140k | €135k | €129k | €142k | €158k | ▲ 10.9% |
| Provisions and deferred taxes16 | - | - | €9k | €15k | - | - |
| Provisions for liabilities and charges160/5 | - | - | €9k | €15k | - | - |
| Major repairs and maintenance162 | - | - | €4k | €10k | - | - |
| Other liabilities and charges164/5 | - | - | €5k | €5k | - | - |
| Amounts payable17/49 | €69k | €53k | €41k | €75k | €52k | ▼ 29.9% |
| Amounts payable after more than one year17 | €869 | €17k | €12k | €21k | - | - |
| Financial debts170/4 | - | €17k | €12k | €21k | - | - |
| Amounts payable within one year42/48 | €66k | €36k | €30k | €53k | €52k | ▼ 2.2% |
| Current portion of amounts payable after more than one year42 | - | €7k | €6k | €32k | €28k | ▼ 11.0% |
| Trade debts44 | €48k | €24k | €19k | €9k | €15k | ▲ 73.0% |
| Suppliers440/4 | - | €24k | €19k | €9k | €15k | ▲ 73.0% |
| Taxes, remuneration and social security45 | - | €6k | €5k | €13k | €8k | ▼ 33.2% |
| Taxes450/3 | - | €3k | €4k | €8k | €7k | ▼ 10.5% |
| Remuneration and social security454/9 | - | €2k | €490 | €5k | €1k | ▼ 72.4% |
| Accrued charges and deferred income492/3 | - | - | - | €190 | €190 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-7k | €-5k | €-6k | €13k | €15k | ▲ 22.2% |
| + Depreciation and write-downs630 | €14k | €10k | €10k | €12k | €13k | ▲ 8.4% |
| Operating cash flow (approximation) | €7k | €5k | €4k | €25k | €29k | ▲ 15.4% |
| Investment in fixed assets (approximation) | - | €-8k | €0 | €-97k | €-10k | ▲ 89.7% |
| Change in cash | - | €-31k | €-12k | €-20k | €-1k | ▲ 92.7% |
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
Next filing, fiscal year 2026, expected by
2026
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €15k ▲22.2%
Operating result €17k, net result €15k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €13k
Net result €13k after 3 loss-making years.
30-09
Financial
Equity above €150kEq €163k ▲8.4%
Equity rises from €150k to €163k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 74 days late
2019
30-09
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
Show earlier events
24-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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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, Anderlecht · 2 establishment units since 1975
Ground area
181 m²
Building footprint
179 m²
Volume, LiDAR
1,900 m³
2 parcels, Brussels · tallest building 16.6 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
France-Optic
since 19752.014.658.821
Opticien Coenen
since 20122.296.018.902
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0001/00T040 | Brussels | 97 m² | 1 · 96 m² | 13.5 m · 4 fl. |
| 21001A0599/00Y011 | Brussels | 84 m² | 1 · 82 m² | 16.6 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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. 972 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
Founded15-09-1975
Fiscal year end30-09
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
Contact
Website
www.franceoptic.comAnderlecht
E-mail
sebastian@franceoptic.comAnderlecht
Phone
+3225231955Anderlecht
Fax
+325271851Anderlecht
Website
www.opticiencoenen.beUkkel
E-mail
sebastian@opticiencoenen.beUkkel
Phone
+3223442540Ukkel
Scores and ratios are computed by Checked and are not a credit decision.