N & M OPTIC
ActiveN & M OPTIC has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119k and a net result of €176k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 46% of 17987 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
78
/ 100
Excellent▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency47▼-20
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.28 in 2024), and 70.9% 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
29.1%
Return on assets
43%
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 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
19 d late
2023
110 d late
2022
25 d early
2021
4 d early
2020
2 d early
2019
44 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€119k▼ 22.5%
2024 · €154k
2018: €26k
2019: €79k
2020: €140k
2021: €153k
2022: €153k
2023: €152k
2024: €154k
2018 → 2025
Total assets
€411k▲ 4.6%
2024 · €393k
2018: €116k
2019: €174k
2020: €213k
2021: €282k
2022: €308k
2023: €324k
2024: €393k
2018 → 2025
Net result
€176k▲ 16.1%
2024 · €152k
2018: €18k
2019: €54k
2020: €61k
2021: €66k
2022: €89k
2023: €99k
2024: €152k
2018 → 2025
Working capital
€22k▼ 67.1%
2024 · €66k
2018: €26k
2019: €49k
2020: €107k
2021: €126k
2022: €108k
2023: €103k
2024: €66k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€153k-€153k=€152k▼ 0.5%€154k▲ 1.3%€119k▼ 22.5%
Operating result€83k-€109k▲ 32.1%€125k▲ 14.4%€190k▲ 52.4%€227k▲ 19.4%
Net result€66k-€89k▲ 35.0%€99k▲ 11.7%€152k▲ 53.2%€176k▲ 16.1%
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 four years in a row; 2025 is 19% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €411k
Fixed assets
€125k▲ 39.8%
Current assets
€285k▼ 5.8%
Equity and liabilities €411k
Equity
€119k▼ 22.5%
Debt
€291k▲ 22.2%
The debt ratio rises from 60.7% to 70.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€259k▲
2024 · €216k
Cash flow
€208k▲
2024 · €178k
Solvency
29.1%▼
2024 · 39.3%
Current ratio
1.08▼
2024 · 1.28
Quick ratio
0.94▼
2024 · 1.12
Debt / equity
2.44▲
2024 · 1.55
ROE
147.9%▲
2024 · 98.6%
ROA
43.0%▲
2024 · 38.7%
Interest coverage
153.07▼
2024 · 569.54
Debt
€291k▲
2024 · €238k
Debt ≤ 1 year
€264k▲
2024 · €237k
Debt > 1 year
€26k
Income taxes
€54k▲
2024 · €44k
Staff costs
€56k▼
2024 · €63k
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€393k€411k▲
Fixed assets21/28€90k€125k▲
Intangible fixed assets21€3k€826▼
Tangible fixed assets22/27€81k€119k▲
Plant, machinery and equipment23€36k€26k▼
Furniture and vehicles24€29k€79k▲
Other tangible fixed assets26€16k€14k▼
Financial fixed assets28€6k€6k=
Current assets29/58€303k€285k▼
Stocks and contracts in progress3€38k€38k▲
Stocks30/36€38k€38k▲
Amounts receivable within one year40/41€3k€5k▲
Trade receivables40€2k€5k▲
Other amounts receivable41€191€0▼
Cash at bank and in hand54/58€257k€237k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€393k€411k▲
Equity10/15€154k€119k▼
Contributions10/11€21k€21k=
Reserves13€61k€178▼
Tax-exempt reserves132€178€178=
Distributable reserves133€61k€0▼
Profit (loss) carried forward14€72k€99k▲
Amounts payable17/49€238k€291k▲
Amounts payable after more than one year17-€26k
Financial debts170/4-€26k
Amounts payable within one year42/48€237k€264k▲
Current portion of amounts payable after more than one year42-€8k
Trade debts44€27k€19k▼
Suppliers440/4€27k€19k▼
Taxes, remuneration and social security45€52k€23k▼
Taxes450/3€39k€9k▼
Remuneration and social security454/9€14k€15k▲
Other amounts payable47/48€159k€214k▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Non-recurring operating income76A€6k€0▼
Remuneration, social security and pensions62€63k€56k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€32k▲
Other operating charges640/8€1k€5k▲
Non-recurring operating charges66A€1k€39▼
Gross operating margin9900€281k€320k▲
Operating profit (loss)9901€190k€227k▲
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€379€2k▲
Recurring financial charges65€379€2k▲
Profit (loss) for the period before taxes9903€195k€230k▲
Income taxes67/77€44k€54k▲
Profit (loss) for the period9904€152k€176k▲
Profit (loss) for the period to be appropriated9905€152k€176k▲
Appropriation of the result
Profit (loss) to be appropriated9906€222k€249k▲
Profit (loss) brought forward from the previous period14P€70k€72k▲
Transfer from equity791/2-€61k
Profit to be distributed694/7€150k€211k▲
Return on contributions (dividend)694€150k€211k▲
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €176k ▲16.1%
Operating result €227k, net result €176k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
18-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 110 days late
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €153k ▲8.9%
4 profitable years in a row build equity to €153k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €140k ▲77.2%
3 profitable years in a row build equity to €140k.
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
19-04-2023
ADAM Véronique: Resigned as Director (executive)
19-04-2023
RUDMAN David: Resigned as Director (executive)
Location & real-estate footprint
Registered office, Braine-l'Alleud · 1 establishment unit since 2017
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 Stanislas André Steeman 191420 Braine-l'AlleudGround area
1,199 m²
Building footprint
169 m²
Volume, LiDAR
924 m³
2 parcels, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
N & M OPTIC
since 20172.263.643.963
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25014A0619/00A003 | Wallonia | 810 m² | 1 · 99 m² | 10.5 m · 3 fl. |
| 25014N0790/00Z007 | Wallonia | 389 m² | 1 · 70 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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
EGOS
BE 0434.553.664
Halle · Eq €119k
OPTIQUE CH. XHAFLAIRE
BE 0418.135.029
Pepinster · Eq €120k
BAKELANDT PIETER
BE 0464.950.001
Hooglede · Eq €120k
LUXOPT
BE 0678.373.458
Brussel · Eq €119k
Karen Bril
BE 0774.406.131
Zoersel · Eq €120k
Of 1,725 companies in sector 47742 we hold annual accounts for 1,136. 990 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2017
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.