My Optic
ActiveSummary
The computed 12-month bankruptcy probability of My Optic is 2.1% (moderate). The 2024 annual accounts show equity of €63,103 and a net result of €100,937. Equity is growing by ~89.7% per year across the filed fiscal years. Its solvency ranks better than 32% of 26040 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability94▼-6
Solvency38▼-7
Growth78=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.54 in 2023; short-term debt: 60% and cash: 25.2% of total assets), and 87.5% of the assets are financed with debt.
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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
12.5%
Return on assets
20%
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 26-08-2025, 26 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
26 d late
2023
30 d late
2022
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 29 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€243,864
EBIT margin
-20.4%
Net result
€100,937▼ 19.4%
2023 · €125,269
Working capital
€51,886▼ 34.4%
2023 · €79,107
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202220232024
Turnover€243,864-
Operating result-€49,867-€138,314€139,552▲ 0.9%
Net result-€53,103below the sector's middle half-€125,269above the sector's middle half€100,937above the sector's middle half▼ 19.4%
EBIT margin-20.4%-
Equity-€50,103below the sector's middle half-€75,166within the sector's middle half€63,103within the sector's middle half▼ 16.0%
Total assets€199,901within the sector's middle half-€370,631above the sector's middle half▲ 85.4%€504,148above the sector's middle half▲ 36.0%
Debt€250,004-€295,464▲ 18.2%€441,044▲ 49.3%
Working capital-€35,622-€79,107€51,886▼ 34.4%
Solvency-25.1%below the sector's middle half-20.3%within the sector's middle half▲ 45.3pp12.5%within the sector's middle half▼ 7.8pp
Staff (FTE)0.8-1.5▲ 87.5%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 1% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €504,148
Fixed assets
€149,992 ▲ 3.0%
Current assets
€354,155 ▲ 57.4%
Equity and liabilities €504,148
Equity
€63,103 ▼ 16.0%
Debt
€441,044 ▲ 49.3%
Debt's share of the balance-sheet total rises from 79.7% to 87.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€171,546▲
2023 · €164,406
Cash flow
€132,931▼
2023 · €151,362
Current ratio
1.17▼
2023 · 1.54
Quick ratio
1.00▲
2023 · 0.99
Debt to equity
6.99▲
2023 · 3.93
ROE
160.0%▼
2023 · 166.7%
ROA
20.0%▼
2023 · 33.8%
Interest coverage
29.72▼
2023 · 42.16
Debt ≤ 1 year
€302,270▲
2023 · €145,901
Debt > 1 year
€138,774▼
2023 · €146,564
Income taxes
€33,082▲
2023 · €9,721
Staff costs
€105,628▲
2023 · €75,794
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,677 companies that looked in July 2024 the way this one looks now, 1.3% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.3%
went bankrupt
1.2%
stopped otherwise
97%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 2,677 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
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Turnover70 | €243,864 | - | - | - |
| Non-recurring operating income76A | €228 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €254,304 | - | - | - |
| Remuneration, social security and pensions62 | €17,850 | €75,794 | €105,628 | ▲ 39.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21,744 | €26,092 | €31,994 | ▲ 22.6% |
| Other operating charges640/8 | €61 | €3,889 | €1,865 | ▼ 52.0% |
| Gross operating margin9900 | -€10,212 | €244,089 | €279,040 | ▲ 14.3% |
| Operating profit (loss)9901 | -€49,867 | €138,314 | €139,552 | ▲ 0.9% |
| Financial income75/76B | €3 | €577 | €240 | ▼ 58.4% |
| Recurring financial income75 | €3 | €577 | €240 | ▼ 58.4% |
| Financial charges65/66B | €3,239 | €3,900 | €5,773 | ▲ 48.0% |
| Recurring financial charges65 | €3,239 | €3,900 | €5,773 | ▲ 48.0% |
| Profit (loss) for the period before taxes9903 | -€53,103 | €134,990 | €134,019 | ▼ 0.7% |
| Income taxes67/77 | - | €9,721 | €33,082 | ▲ 240% |
| Profit (loss) for the period9904 | -€53,103 | €125,269 | €100,937 | ▼ 19.4% |
| Profit (loss) for the period to be appropriated9905 | -€53,103 | €125,269 | €100,937 | ▼ 19.4% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €199,901 | €370,631 | €504,148 | ▲ 36.0% |
| Fixed assets21/28 | €130,890 | €145,623 | €149,992 | ▲ 3.0% |
| Intangible fixed assets21 | €6,015 | €3,597 | €1,179 | ▼ 67.2% |
| Tangible fixed assets22/27 | €124,874 | €142,025 | €148,813 | ▲ 4.8% |
| Land and buildings22 | €66,149 | €98,949 | €87,871 | ▼ 11.2% |
| Plant, machinery and equipment23 | €50,977 | €38,581 | €26,185 | ▼ 32.1% |
| Furniture and vehicles24 | €7,748 | €4,495 | €1,242 | ▼ 72.4% |
| Leasing and similar rights25 | - | - | €33,514 | - |
| Current assets29/58 | €69,012 | €225,008 | €354,155 | ▲ 57.4% |
| Stocks and contracts in progress3 | €49,252 | €80,943 | €50,947 | ▼ 37.1% |
| Stocks30/36 | €49,252 | €80,943 | €50,947 | ▼ 37.1% |
| Amounts receivable within one year40/41 | €12,053 | €19,467 | €76,184 | ▲ 291% |
| Trade receivables40 | €12,053 | €19,467 | €76,184 | ▲ 291% |
| Current investments50/53 | - | - | €100,000 | - |
| Cash at bank and in hand54/58 | €7,577 | €124,489 | €127,024 | ▲ 2.0% |
| Deferred charges and accrued income490/1 | €130 | €109 | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €199,901 | €370,631 | €504,148 | ▲ 36.0% |
| Equity10/15 | -€50,103 | €75,166 | €63,103 | ▼ 16.0% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | -€53,103 | €72,166 | €60,103 | ▼ 16.7% |
| Amounts payable17/49 | €250,004 | €295,464 | €441,044 | ▲ 49.3% |
| Amounts payable after more than one year17 | €136,371 | €146,564 | €138,774 | ▼ 5.3% |
| Financial debts170/4 | €136,371 | €146,564 | €138,774 | ▼ 5.3% |
| Amounts payable within one year42/48 | €104,633 | €145,901 | €302,270 | ▲ 107% |
| Current portion of amounts payable after more than one year42 | €22,900 | €32,024 | €41,454 | ▲ 29.4% |
| Trade debts44 | €62,602 | €71,910 | €65,376 | ▼ 9.1% |
| Suppliers440/4 | €62,602 | €71,910 | €65,376 | ▼ 9.1% |
| Taxes, remuneration and social security45 | €18,657 | €41,369 | €104,641 | ▲ 153% |
| Taxes450/3 | €15,061 | €31,046 | €82,567 | ▲ 166% |
| Remuneration and social security454/9 | €3,595 | €10,323 | €22,073 | ▲ 114% |
| Other amounts payable47/48 | €475 | €598 | €90,799 | ▲ 15,095% |
| Accrued charges and deferred income492/3 | €9,000 | €3,000 | - | - |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€53,103 | €125,269 | €100,937 | ▼ 19.4% |
| + Depreciation and write-downs630 | €21,744 | €26,092 | €31,994 | ▲ 22.6% |
| Operating cash flow (approximation) | -€31,359 | €151,362 | €132,931 | ▼ 12.2% |
| Investment in fixed assets (approximation) | - | -€40,825 | -€36,364 | ▲ 10.9% |
| Change in cash | - | €116,911 | €2,536 | ▼ 97.8% |
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
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €125,269
Net result €125,269 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.54
Current ratio from 0.66 to 1.54.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 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, Verlaine · 1 establishment unit since 2021
Ground area
2,211 m²
Building footprint
353 m²
Volume, LiDAR
2,642 m³
2 parcels, Wallonia · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MY Optic
since 20212.318.773.716
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61072A0157/00N002 | Wallonia | 1,298 m² | 1 · 229 m² | 12.8 m · 3 fl. |
| 61063B0590/00D003 | Wallonia | 913 m² | 1 · 124 m² | 5.5 m · 1 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.
Similar companies · same sector, comparable size
OPTIEK DUYCK
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WILLY SIMENS
BE 0893.504.810
Liège · Eq €62,814
PRO-OPTICAL
BE 0691.769.950
Manage · Eq €63,735
P&V Optiek
BE 0885.187.752
Dendermonde · Eq €62,358
DAENEN OPTIQUE
BE 0452.147.880
La Hulpe · Eq €62,166
Of 1,733 companies in sector 47742 we hold annual accounts for 1,139. 958 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
Founded12-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
E-invoicing
Reachable via Peppol
Peppol ID
0208:0766624256
Also
9925:BE0766624256
Registered
23-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.