LAFOPTIC
ActiveSummary
The computed 12-month bankruptcy probability of LAFOPTIC is 2.4% (moderate). The 2024 annual accounts show equity of €14k and a net result of €15k. Equity is growing by ~702.6% per year across the filed fiscal years. Its solvency ranks better than 73% of 6537 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+88
Solvency80▲+60
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.07 against 0.84 in 2023; short-term debt: 45.2% and cash: 0.3% of total assets), and 45.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 →
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
54.8%
Return on assets
57%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-10-2025, 70 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
70 d late
2023
92 d late
2022
107 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k
2023 · €-2k
2022: €528
2023: €-2k▼ -385% vs 2022lowest in 3 years
2024: €15k▲ +1066% vs 2023highest in 3 years
2022 → 2024
Working capital
€12k
2023 · €-2k
2022: €-617
2023: €-2k▼ -207% vs 2022lowest in 3 years
2024: €12k▲ +750% vs 2023highest in 3 years
2022 → 2024
Trend over the years
Multi-year overview
Available amounts per fiscal year
Line202220232024Trend
Equity€928-€-578€14k
2022: €928
2023: €-578▼ -162% vs 2022lowest in 3 years
2024: €14k▲ +2517% vs 2023highest in 3 years
Operating result€2k-€-75€23k
2022: €2k
2023: €-75▼ -104% vs 2022lowest in 3 years
2024: €23k▲ +30575% vs 2023highest in 3 years
Net result€528-€-2k€15k
2022: €528
2023: €-2k▼ -385% vs 2022lowest in 3 years
2024: €15k▲ +1066% vs 2023highest in 3 years
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €23k after a loss of €75 in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €26k
Fixed assets
€2k ▲ 25.1%
Current assets
€24k ▲ 134%
Equity and liabilities €26k
Equity
€14k
Debt
€12k
Debt finances 45.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€24k▲
2023 · €647
Cash flow
€15k▲
2023 · €-784
Current ratio
2.07▲
2023 · 0.84
Debt to equity
0.83
ROE
104.1%
ROA
57.0%▲
2023 · -13.1%
Interest coverage
17.81▲
2023 · 1.11
Debt ≤ 1 year
€12k▼
2023 · €12k
Income taxes
€7k▲
2023 · €850
Staff costs
€8k▲
2023 · €7k
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 · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€12k€26k▲
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€1k▲
Furniture and vehicles24€1k€1k▲
Financial fixed assets28€232€232=
Current assets29/58€10k€24k▲
Amounts receivable within one year40/41€10k€23k▲
Trade receivables40€4k€7k▲
Other amounts receivable41€5k€17k▲
Cash at bank and in hand54/58€628€76▼
Deferred charges and accrued income490/1-€420
Equity and liabilities
Total equity and liabilities10/49€12k€26k▲
Equity10/15€-578€14k▲
Contributions10/11€400€400=
Reserves13€40€40=
Non-distributable reserves130/1€40€40=
Reserves not available under the articles1311€40€40=
Profit (loss) carried forward14€-1k€14k▲
Amounts payable17/49€12k€12k▼
Amounts payable within one year42/48€12k€12k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€11k€9k▼
Taxes450/3€11k€8k▼
Remuneration and social security454/9-€799
Income statement
Code20232024
Remuneration, social security and pensions62€7k€8k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€722€914▲
Other operating charges640/8€226€526▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€11k€32k▲
Operating profit (loss)9901€-75€23k▲
Financial income75/76B-€22
Recurring financial income75-€22
Financial charges65/66B€581€1k▲
Recurring financial charges65€581€1k▲
Profit (loss) for the period before taxes9903€-656€22k▲
Income taxes67/77€850€7k▲
Profit (loss) for the period9904€-2k€15k▲
Profit (loss) for the period to be appropriated9905€-2k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€14k▲
Profit (loss) brought forward from the previous period14P€488€-1k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €2k | €7k | €8k | ▲ 10.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €437 | €722 | €914 | ▲ 26.6% |
| Other operating charges640/8 | €296 | €226 | €526 | ▲ 133% |
| Non-recurring operating charges66A | - | €3k | - | - |
| Gross operating margin9900 | €5k | €11k | €32k | ▲ 199% |
| Operating profit (loss)9901 | €2k | €-75 | €23k | ▲ 30,575% |
| Financial income75/76B | €5 | - | €22 | - |
| Recurring financial income75 | €5 | - | €22 | - |
| Financial charges65/66B | €106 | €581 | €1k | ▲ 130% |
| Recurring financial charges65 | €106 | €581 | €1k | ▲ 130% |
| Profit (loss) for the period before taxes9903 | €2k | €-656 | €22k | ▲ 3,384% |
| Income taxes67/77 | €2k | €850 | €7k | ▲ 723% |
| Profit (loss) for the period9904 | €528 | €-2k | €15k | ▲ 1,066% |
| Profit (loss) for the period to be appropriated9905 | €528 | €-2k | €15k | ▲ 1,066% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €13k | €12k | €26k | ▲ 122% |
| Fixed assets21/28 | €2k | €1k | €2k | ▲ 25.1% |
| Tangible fixed assets22/27 | €1k | €1k | €1k | ▲ 30.4% |
| Furniture and vehicles24 | €1k | €1k | €1k | ▲ 30.4% |
| Financial fixed assets28 | €232 | €232 | €232 | = |
| Current assets29/58 | €11k | €10k | €24k | ▲ 134% |
| Amounts receivable within one year40/41 | €7k | €10k | €23k | ▲ 144% |
| Trade receivables40 | €4k | €4k | €7k | ▲ 57.8% |
| Other amounts receivable41 | €3k | €5k | €17k | ▲ 217% |
| Cash at bank and in hand54/58 | €4k | €628 | €76 | ▼ 87.9% |
| Deferred charges and accrued income490/1 | €354 | - | €420 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €13k | €12k | €26k | ▲ 122% |
| Equity10/15 | €928 | €-578 | €14k | ▲ 2,517% |
| Contributions10/11 | €400 | €400 | €400 | = |
| Reserves13 | €40 | €40 | €40 | = |
| Non-distributable reserves130/1 | €40 | €40 | €40 | = |
| Reserves not available under the articles1311 | €40 | €40 | €40 | = |
| Profit (loss) carried forward14 | €488 | €-1k | €14k | ▲ 1,429% |
| Amounts payable17/49 | €12k | €12k | €12k | ▼ 4.5% |
| Amounts payable within one year42/48 | €12k | €12k | €12k | ▼ 4.5% |
| Trade debts44 | €5k | €1k | €3k | ▲ 92.9% |
| Suppliers440/4 | €5k | €1k | €3k | ▲ 92.9% |
| Taxes, remuneration and social security45 | €7k | €11k | €9k | ▼ 16.6% |
| Taxes450/3 | €7k | €11k | €8k | ▼ 24.0% |
| Remuneration and social security454/9 | €133 | - | €799 | - |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €528 | €-2k | €15k | ▲ 1,066% |
| + Depreciation and write-downs630 | €437 | €722 | €914 | ▲ 26.6% |
| Operating cash flow (approximation) | €965 | €-784 | €15k | ▲ 2,072% |
| Investment in fixed assets (approximation) | - | €-494 | €-1k | ▼ 152% |
| Change in cash | - | €-3k | €-552 | ▲ 81.7% |
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
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 70 days late
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.07
Current ratio from 0.84 to 2.07; short-term debt falls from €12k to €12k.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 92 days late
2023
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
15-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 107 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, La Louvière · 1 establishment unit since 2022
Ground area
255 m²
Building footprint
107 m²
Volume, LiDAR
993 m³
2 parcels, Wallonia · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LAFOPTIC
since 20222.330.361.751
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55373B0274/00B008 | Wallonia | 129 m² | 1 · 42 m² | 10.0 m · 3 fl. |
| 53403E0432/00H000 | Wallonia | 126 m² | 1 · 65 m² | 12.9 m · 3 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 1,732 companies in sector 47742 we hold annual accounts for 1,137. 580 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
Founded19-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
Contact
Phone
+3265314131Mons
Scores and ratios are computed by Checked and are not a credit decision.