LB OPTIC
ActiveThe computed 12-month bankruptcy probability of LB OPTIC is 2.9% (moderate). The 2025 annual accounts show equity of €481k and a net result of €119k. Equity is growing by ~48.1% per year across the filed fiscal years. Its solvency ranks better than 42% of 17964 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency33▲+15
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days only on tighter terms
Liquidity short (current ratio 0.82 against 0.79 in 2024), and 75.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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
Sector 47
higher
← 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
24.9%
Return on assets
6.1%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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
3 d late
2024
8 d early
2023
50 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€481k▲ 32.7%
2024 · €363k
2023: €132k
2024: €363k
2023 → 2025
Total assets
€1.93M▼ 5.4%
2024 · €2.04M
2023: €2.06M
2024: €2.04M
2023 → 2025
Net result
€119k▼ 48.6%
2024 · €231k
2023: €130k
2024: €231k
2023 → 2025
Working capital
€-153k▲ 17.3%
2024 · €-184k
2023: €-378k
2024: €-184k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€132k-€363k▲ 175%€481k▲ 32.7%
Operating result€241k-€350k▲ 45.2%€184k▼ 47.4%
Net result€130k-€231k▲ 78.3%€119k▼ 48.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.93M
Fixed assets
€1.26M▼ 6.9%
Current assets
€676k▼ 2.6%
Equity and liabilities €1.93M
Equity
€481k▲ 32.7%
Debt
€1.45M▼ 13.7%
The debt ratio falls from 82.2% to 75.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€381k▼
2024 · €535k
Cash flow
€315k▼
2024 · €416k
Solvency
24.9%▲
2024 · 17.8%
Current ratio
0.82▲
2024 · 0.79
Quick ratio
0.45▼
2024 · 0.51
Debt / equity
3.01▼
2024 · 4.63
ROE
24.6%▼
2024 · 63.6%
ROA
6.1%▼
2024 · 11.3%
Interest coverage
9.48▼
2024 · 11.50
Debt
€1.45M▼
2024 · €1.68M
Debt ≤ 1 year
€828k▼
2024 · €878k
Debt > 1 year
€622k▼
2024 · €801k
Income taxes
€37k▼
2024 · €79k
Staff costs
€535k=
2024 · €535k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.04M€1.93M▼
Fixed assets21/28€1.35M€1.26M▼
Intangible fixed assets21€1.29M€1.12M▼
Tangible fixed assets22/27€60k€137k▲
Plant, machinery and equipment23€17k€11k▼
Furniture and vehicles24€4k€20k▲
Other tangible fixed assets26€38k€106k▲
Current assets29/58€694k€676k▼
Amounts receivable after more than one year29€134k€32k▼
Other amounts receivable291€134k€32k▼
Stocks and contracts in progress3€247k€299k▲
Stocks30/36€247k€299k▲
Amounts receivable within one year40/41€87k€216k▲
Trade receivables40€54k€65k▲
Other amounts receivable41€34k€151k▲
Current investments50/53€50k€9k▼
Cash at bank and in hand54/58€108k€96k▼
Deferred charges and accrued income490/1€67k€23k▼
Equity and liabilities
Total equity and liabilities10/49€2.04M€1.93M▼
Equity10/15€363k€481k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€360k€479k▲
Amounts payable17/49€1.68M€1.45M▼
Amounts payable after more than one year17€801k€622k▼
Financial debts170/4€801k€622k▼
Amounts payable within one year42/48€878k€828k▼
Current portion of amounts payable after more than one year42€196k€219k▲
Trade debts44€163k€148k▼
Suppliers440/4€163k€148k▼
Taxes, remuneration and social security45€83k€76k▼
Taxes450/3€24k€29k▲
Remuneration and social security454/9€58k€48k▼
Other amounts payable47/48€437k€385k▼
Income statement
Code20242025
Remuneration, social security and pensions62€535k€535k=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€185k€196k▲
Other operating charges640/8€4k€1k▼
Non-recurring operating charges66A€1k€2k▲
Gross operating margin9900€1.08M€919k▼
Operating profit (loss)9901€350k€184k▼
Financial income75/76B€6k€12k▲
Recurring financial income75€6k€12k▲
Financial charges65/66B€47k€40k▼
Recurring financial charges65€47k€40k▼
Profit (loss) for the period before taxes9903€309k€156k▼
Income taxes67/77€79k€37k▼
Profit (loss) for the period9904€231k€119k▼
Profit (loss) for the period to be appropriated9905€231k€119k▼
Appropriation of the result
Profit (loss) to be appropriated9906€360k€479k▲
Profit (loss) brought forward from the previous period14P€130k€360k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Weakest financial yearnet €119k ▼48.6%
Net result drops to €119k, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €231k ▲78.3%
Operating result €350k, net result €231k, both a record.
31-12
Financial
Equity above €200kEq €363k ▲175%
2 profitable years in a row build equity to €363k.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Manage · 3 establishment units since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de Nivelles 1467170 ManageGround area
3.8 ha
Building footprint
2.2 ha
Volume, LiDAR
117,310 m³
4 parcels, Wallonia · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
LB OPTIC
since 20222.332.573.153
AFFLELOU
since 20222.334.493.258
AFFLELOU
since 20222.334.493.357
4 parcels
Wallonia
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52502C0335/00E005 | Wallonia | 3.3 ha | 1 · 2.2 ha | 9.5 m · 2 fl. |
| 25783E0369/00L003 | Wallonia | 2,390 m² | 1 · 303 m² | 16.3 m · 4 fl. |
| 52302A1138/00X000 | Wallonia | 1,734 m² | - | - |
| 52004A0216/00N000 | Wallonia | 1,414 m² | 1 · 42 m² | 3.1 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
3 connected companiesNetwork connections
Shared address
→
Shared address
→
Shared address
→
Similar companies · same sector, comparable size
LINA
BE 0840.336.536
Aalst · Eq €480k
Optiek Lobelle
BE 0473.176.391
Poperinge · Eq €480k
OPTIEK DEPRIL
BE 0867.656.783
Dilbeek · Eq €483k
PROPS FRANK
BE 0878.919.770
Wetteren · Eq €484k
OPTININO
BE 0449.941.230
Zottegem · Eq €479k
Of 1,725 companies in sector 47742 we hold annual accounts for 1,136. 818 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2022
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.