Opt'Inès
ActiveSummary
The computed 12-month bankruptcy probability of Opt'Inès is 2.2% (moderate). The 2025 annual accounts show equity of €24,809 and a net result of €12,561. Equity is growing by ~98.4% per year across the filed fiscal years. Its solvency ranks better than 37% of 18537 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+20
Solvency44▲+10
Growth78=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 1.95 against 2.33 in 2024; short-term debt: 49.6% and cash: 17.2% of total assets), but 80.8% of the assets are financed with debt.
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Signals
Five 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
19.2%
Return on assets
9.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
31 d early
2024
30 d early
2023
33 d early
← 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 31 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€24,809▲ 103%
2024 · €12,248
Total assets
€129,149▼ 0.9%
2024 · €130,332
Net result
€12,561▲ 8.9%
2024 · €11,532
Working capital
€60,890▼ 13.8%
2024 · €70,677
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result-€18,148-€16,319€17,276▲ 5.9%
Net result-€19,284-€11,532€12,561▲ 8.9%
Equity€716-€12,248▲ 1,611%€24,809▲ 103%
Total assets€141,754-€130,332▼ 8.1%€129,149▼ 0.9%
Debt€141,039-€118,084▼ 16.3%€104,340▼ 11.6%
Working capital€84,331-€70,677▼ 16.2%€60,890▼ 13.8%
Staff (FTE)0.1-
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 two years in a row; 2025 is 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €129,149
Fixed assets
€4,236 ▼ 33.8%
Current assets
€124,913 ▲ 0.8%
Equity and liabilities €129,149
Equity
€24,809 ▲ 103%
Debt
€104,340 ▼ 11.6%
Debt's share of the balance-sheet total falls from 90.6% to 80.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19,434▲
2024 · €18,079
Cash flow
€14,719▲
2024 · €13,291
Current ratio
1.95▼
2024 · 2.33
Quick ratio
0.42▼
2024 · 0.48
Debt to equity
4.21▼
2024 · 9.64
ROE
50.6%▼
2024 · 94.2%
ROA
9.7%▲
2024 · 8.8%
Interest coverage
5.64▲
2024 · 3.43
Debt ≤ 1 year
€64,023▲
2024 · €53,262
Debt > 1 year
€40,317▼
2024 · €64,823
Income taxes
€1,356
Staff costs
€0▼
2024 · €9,536
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 7,976 companies that looked in July 2024 the way this one looks now, 3.1% went bankrupt within 24 months and 94% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
3.1%
went bankrupt
1.6%
stopped otherwise
94%
still going
A further 1.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.2% over twelve months; the group does not contradict it.
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 7,976 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €658 | €9,536 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €332 | €1,759 | €2,158 | ▲ 22.7% |
| Other operating charges640/8 | €321 | €228 | €0 | ▼ 100% |
| Non-recurring operating charges66A | - | €237 | €0 | ▼ 100% |
| Gross operating margin9900 | -€16,837 | €28,080 | €19,434 | ▼ 30.8% |
| Operating profit (loss)9901 | -€18,148 | €16,319 | €17,276 | ▲ 5.9% |
| Financial income75/76B | €0 | €478 | €85 | ▼ 82.2% |
| Recurring financial income75 | €0 | €478 | €85 | ▼ 82.2% |
| Financial charges65/66B | €1,136 | €5,265 | €3,444 | ▼ 34.6% |
| Recurring financial charges65 | €1,136 | €5,265 | €3,444 | ▼ 34.6% |
| Profit (loss) for the period before taxes9903 | -€19,284 | €11,532 | €13,917 | ▲ 20.7% |
| Income taxes67/77 | - | - | €1,356 | - |
| Profit (loss) for the period9904 | -€19,284 | €11,532 | €12,561 | ▲ 8.9% |
| Profit (loss) for the period to be appropriated9905 | -€19,284 | €11,532 | €12,561 | ▲ 8.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €141,754 | €130,332 | €129,149 | ▼ 0.9% |
| Fixed assets21/28 | €5,558 | €6,394 | €4,236 | ▼ 33.8% |
| Tangible fixed assets22/27 | €5,558 | €6,394 | €4,236 | ▼ 33.8% |
| Plant, machinery and equipment23 | €2,348 | €4,338 | €3,333 | ▼ 23.2% |
| Furniture and vehicles24 | €3,210 | €2,056 | €903 | ▼ 56.1% |
| Current assets29/58 | €136,196 | €123,938 | €124,913 | ▲ 0.8% |
| Stocks and contracts in progress3 | €89,941 | €98,435 | €97,982 | ▼ 0.5% |
| Stocks30/36 | €89,941 | €98,435 | €97,982 | ▼ 0.5% |
| Amounts receivable within one year40/41 | €5,919 | - | €1,143 | - |
| Trade receivables40 | €2,335 | - | €1,143 | - |
| Other amounts receivable41 | €3,584 | - | - | - |
| Cash at bank and in hand54/58 | €30,110 | €19,012 | €22,220 | ▲ 16.9% |
| Deferred charges and accrued income490/1 | €10,227 | €6,491 | €3,568 | ▼ 45.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €141,754 | €130,332 | €129,149 | ▼ 0.9% |
| Equity10/15 | €716 | €12,248 | €24,809 | ▲ 103% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | = |
| Outside capital11 | €20,000 | €20,000 | - | - |
| Other1109/19 | €20,000 | €20,000 | - | - |
| Reserves13 | - | - | €4,809 | - |
| Distributable reserves133 | - | - | €4,809 | - |
| Profit (loss) carried forward14 | -€19,284 | -€7,752 | €0 | ▲ 100% |
| Amounts payable17/49 | €141,039 | €118,084 | €104,340 | ▼ 11.6% |
| Amounts payable after more than one year17 | €84,223 | €64,823 | €40,317 | ▼ 37.8% |
| Financial debts170/4 | €84,223 | €64,823 | €40,317 | ▼ 37.8% |
| Amounts payable within one year42/48 | €51,866 | €53,262 | €64,023 | ▲ 20.2% |
| Current portion of amounts payable after more than one year42 | €22,257 | €32,257 | €22,257 | ▼ 31.0% |
| Trade debts44 | €28,953 | €16,268 | €34,978 | ▲ 115% |
| Suppliers440/4 | €28,953 | €16,268 | €34,978 | ▲ 115% |
| Taxes, remuneration and social security45 | €656 | €4,737 | €6,789 | ▲ 43.3% |
| Taxes450/3 | - | €3,647 | €6,789 | ▲ 86.1% |
| Remuneration and social security454/9 | €656 | €1,090 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €4,950 | - | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€19,284 | €11,532 | €12,561 | ▲ 8.9% |
| + Depreciation and write-downs630 | €332 | €1,759 | €2,158 | ▲ 22.7% |
| Operating cash flow (approximation) | -€18,952 | €13,291 | €14,719 | ▲ 10.7% |
| Investment in fixed assets (approximation) | - | -€2,595 | €0 | ▲ 100% |
| Change in cash | - | -€11,098 | €3,208 | ▲ 129% |
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
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €12,561 ▲8.9%
Operating result €17,276, net result €12,561, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €11,532
Net result €11,532 after one loss-making year.
28-06
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.
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, Verviers · 1 establishment unit since 2023
Ground area
183 m²
Building footprint
98 m²
Volume, LiDAR
1,252 m³
Parcel 63079D0371/00N002, Wallonia · tallest building 14.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Opt'Inès
since 20232.349.324.162
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079D0371/00N002indicative | Wallonia | 183 m² | 1 · 98 m² | 14.5 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,733 companies in sector 47742 we hold annual accounts for 1,139. 768 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
Founded15-09-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
32500Manufacture of medical and dental instruments and supplies
33130Repair, maintenance and installation of machinery and equipment
E-invoicing
Reachable via Peppol
Peppol ID
0208:0805867684
Also
9925:BE0805867684
Registered
10-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.