OPTIBO RUSTPUNT
ActiveOPTIBO RUSTPUNT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €88k. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 38% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency24▼-73
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.99 against 3.4 in 2024), and 80.1% 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 · 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
19.9%
Return on assets
16.9%
Age of the figures
8 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 07-07-2026, 24 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
24 d early
2024
13 d early
2023
33 d early
2022
11 d early
2021
26 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€104k▼ 58.3%
2024 · €248k
2021: €98k
2022: €145k
2023: €175k
2024: €248k
2021 → 2025
Total assets
€520k▲ 14.5%
2024 · €454k
2021: €336k
2022: €387k
2023: €394k
2024: €454k
2021 → 2025
Net result
€88k▲ 19.6%
2024 · €74k
2021: €83k
2022: €47k
2023: €30k
2024: €74k
2021 → 2025
Working capital
€-3k
2024 · €180k
2021: €60k
2022: €86k
2023: €97k
2024: €180k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€98k-€145k▲ 48.5%€175k▲ 20.6%€248k▲ 42.1%€104k▼ 58.3%
Operating result€94k-€64k▼ 31.4%€43k▼ 32.8%€98k▲ 126%€118k▲ 20.5%
Net result€83k-€47k▼ 42.7%€30k▼ 37.0%€74k▲ 147%€88k▲ 19.6%
Turnover and EBIT margin not published: the abbreviated or 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 20% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €520k
Fixed assets
€223k▲ 12.4%
Current assets
€296k▲ 16.1%
Equity and liabilities €520k
Equity
€104k▼ 58.3%
Debt
€416k▲ 103%
The debt ratio rises from 45.2% to 80.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€148k▲
2024 · €127k
Cash flow
€118k▲
2024 · €102k
Solvency
19.9%▼
2024 · 54.8%
Current ratio
0.99▼
2024 · 3.40
Quick ratio
0.80▼
2024 · 2.69
Debt / equity
4.02▲
2024 · 0.83
ROE
85.1%▲
2024 · 29.6%
ROA
16.9%▲
2024 · 16.2%
Interest coverage
31.38▲
2024 · 27.26
Debt
€416k▲
2024 · €205k
Debt ≤ 1 year
€299k▲
2024 · €75k
Debt > 1 year
€117k▼
2024 · €130k
Income taxes
€27k▲
2024 · €21k
Staff costs
€5k▲
2024 · €4k
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€454k€520k▲
Fixed assets21/28€199k€223k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€199k€223k▲
Land and buildings22€113k€106k▼
Plant, machinery and equipment23€29k€25k▼
Furniture and vehicles24€19k€60k▲
Other tangible fixed assets26€38k€32k▼
Current assets29/58€255k€296k▲
Stocks and contracts in progress3€53k€58k▲
Stocks30/36€53k€58k▲
Amounts receivable within one year40/41€159€182▲
Trade receivables40€159€182▲
Cash at bank and in hand54/58€198k€233k▲
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€454k€520k▲
Equity10/15€248k€104k▼
Contributions10/11€15k€15k=
Reserves13€233k€89k▼
Distributable reserves133€233k€89k▼
Amounts payable17/49€205k€416k▲
Amounts payable after more than one year17€130k€117k▼
Financial debts170/4€130k€117k▼
Amounts payable within one year42/48€75k€299k▲
Current portion of amounts payable after more than one year42€16k€13k▼
Trade debts44€18k€25k▲
Suppliers440/4€18k€25k▲
Taxes, remuneration and social security45€23k€44k▲
Taxes450/3€23k€42k▲
Remuneration and social security454/9€256€2k▲
Other amounts payable47/48€18k€217k▲
Income statement
Code20242025
Remuneration, social security and pensions62€4k€5k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€30k▲
Other operating charges640/8€2k€896▼
Gross operating margin9900€132k€154k▲
Operating profit (loss)9901€98k€118k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€94k€115k▲
Income taxes67/77€21k€27k▲
Profit (loss) for the period9904€74k€88k▲
Profit (loss) for the period to be appropriated9905€74k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€88k▲
Transfer from equity791/2-€233k
Transfer to equity691/2€74k€88k▲
To other reserves6921€74k€88k▲
Profit to be distributed694/7-€233k
Return on contributions (dividend)694-€233k
Social balance
Average headcount (FTE)90870.1-
The notes to these accounts (8 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €88k ▲19.6%
Operating result €118k, net result €88k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €248k ▲42.1%
4 profitable years in a row build equity to €248k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €30k ▼37%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €175k ▲20.6%
3 profitable years in a row build equity to €175k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100kEq €145k ▲48.5%
2 profitable years in a row build equity to €145k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 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, Tielt · 1 establishment unit since 2020
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.
Goethalsplaats 5A8760 TieltGround area
250 m²
Building footprint
181 m²
Volume, LiDAR
1,456 m³
Parcel 37007E0093/00E000, Flanders · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OPTIBO RUSTPUNT
since 20202.302.960.934
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37007E0093/00E000 | Flanders | 250 m² | 1 · 181 m² | 12.5 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Similar companies · same sector, comparable size
S&S Optics
BE 0691.908.027
Duffel · Eq €104k
OPTIEK EUROLOOK
BE 1007.516.333
Tielt · Eq €103k
BRIL OOSTENDE
BE 0567.807.415
Oostende · Eq €103k
LES OPTICIENS DEHALU
BE 0454.041.459
Ciney · Eq €104k
OPTOTEAM
BE 0543.327.880
Liège · Eq €105k
Of 1,725 companies in sector 47742 we hold annual accounts for 1,136. 994 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-2020
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
86909Human health activities
86995Nutrition and dietetics services
88999Other social work without accommodation
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.
Contact details
1 entryWebsite:optibo.be/