MD BEAUFAYS
ActiveMD BEAUFAYS has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €125k and a net result of €36k. Equity is growing by ~19.4% per year across the filed fiscal years. Its solvency ranks better than 64% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+4
Solvency75▼-25
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 7.84 in 2024; short-term debt: 48.8% and cash: 13.4% of total assets), and 50% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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
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
50%
Return on assets
14.3%
Age of the figures
9 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 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
22 d late
2023
29 d late
2022
30 d late
2021
25 d late
2020
3 d early
2019
31 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€125k▼ 27.7%
2024 · €173k
2018: €38k
2019: €52k
2020: €75k
2021: €105k
2022: €136k
2023: €148k
2024: €173k
2018 → 2025
Total assets
€250k▲ 17.5%
2024 · €213k
2018: €159k
2019: €198k
2020: €185k
2021: €200k
2022: €209k
2023: €204k
2024: €213k
2018 → 2025
Net result
€36k▲ 43.1%
2024 · €25k
2018: €18k
2019: €14k
2020: €23k
2021: €30k
2022: €31k
2023: €12k
2024: €25k
2018 → 2025
Working capital
€111k▼ 35.2%
2024 · €172k
2018: €25k
2019: €26k
2020: €68k
2021: €109k
2022: €139k
2023: €151k
2024: €172k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€136k▲ 29.4%€148k▲ 8.9%€173k▲ 16.9%€125k▼ 27.7%
Operating result€44k-€48k▲ 7.3%€20k▼ 58.5%€38k▲ 91.1%€42k▲ 11.0%
Net result€30k-€31k▲ 3.4%€12k▼ 60.7%€25k▲ 106%€36k▲ 43.1%
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 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250k
Fixed assets
€17k▲ 6.2%
Current assets
€233k▲ 18.5%
Equity and liabilities €250k
Equity
€125k▼ 27.7%
Debt
€125k▲ 215%
The debt ratio rises from 18.7% to 50.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€50k▲
2024 · €45k
Cash flow
€43k▲
2024 · €33k
Solvency
50.0%▼
2024 · 81.3%
Current ratio
1.91▼
2024 · 7.84
Quick ratio
1.61▼
2024 · 6.30
Debt / equity
1.00▲
2024 · 0.23
ROE
28.6%▲
2024 · 14.4%
ROA
14.3%▲
2024 · 11.7%
Interest coverage
53.01▲
2024 · 35.80
Debt
€125k▲
2024 · €40k
Debt ≤ 1 year
€122k▲
2024 · €25k
Debt > 1 year
€3k▼
2024 · €14k
Income taxes
€16k▲
2024 · €12k
Staff costs
€35k▲
2024 · €34k
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€213k€250k▲
Fixed assets21/28€16k€17k▲
Tangible fixed assets22/27€16k€17k▲
Other tangible fixed assets26€16k€17k▲
Current assets29/58€197k€233k▲
Stocks and contracts in progress3€39k€37k▼
Stocks30/36€39k€37k▼
Amounts receivable within one year40/41€2k€69k▲
Trade receivables40€2k€2k▲
Other amounts receivable41€362€66k▲
Current investments50/53€125k€94k▼
Cash at bank and in hand54/58€31k€34k▲
Deferred charges and accrued income490/1-€82
Equity and liabilities
Total equity and liabilities10/49€213k€250k▲
Equity10/15€173k€125k▼
Contributions10/11€19k€19k=
Reserves13€154k€106k▼
Distributable reserves133€154k€106k▼
Profit (loss) carried forward14€812€815▲
Amounts payable17/49€40k€125k▲
Amounts payable after more than one year17€14k€3k▼
Financial debts170/4€14k€3k▼
Amounts payable within one year42/48€25k€122k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€10k€20k▲
Taxes450/3€5k€15k▲
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48-€84k
Accrued charges and deferred income492/3€270€175▼
Income statement
Code20242025
Remuneration, social security and pensions62€34k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€527€2k▲
Gross operating margin9900€80k€86k▲
Operating profit (loss)9901€38k€42k▲
Financial income75/76B€608€12k▲
Recurring financial income75€608€3k▲
Non-recurring financial income76B-€10k
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€936▼
Non-recurring financial charges66B-€2k
Profit (loss) for the period before taxes9903€37k€51k▲
Income taxes67/77€12k€16k▲
Profit (loss) for the period9904€25k€36k▲
Profit (loss) for the period to be appropriated9905€25k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€37k▲
Profit (loss) brought forward from the previous period14P€734€812▲
Transfer from equity791/2-€84k
Transfer to equity691/2€25k€36k▲
To other reserves6921€25k€36k▲
Profit to be distributed694/7-€84k
Return on contributions (dividend)694-€84k
The notes to these accounts (10 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €36k ▲43.1%
Net result €36k, the highest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Equity above €150kEq €173k ▲16.9%
7 profitable years in a row build equity to €173k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €12k ▼60.7%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Equity above €100kEq €105k ▲39.8%
4 profitable years in a row build equity to €105k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Chaudfontaine · 1 establishment unit since 2016
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.
Voie de l'Air Pur 2404052 ChaudfontaineGround area
248 m²
Building footprint
96 m²
Volume, LiDAR
885 m³
Parcel 62012A0266/00P000, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MD BEAUFAYS
since 20162.251.538.561
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62012A0266/00P000 | Wallonia | 248 m² | 1 · 96 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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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DEN BRILLEMAN
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VWS VISION CARE
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VANLOMMEL A.
BE 0825.474.354
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Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 995 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2015
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.declerckoptique.be