OPTIC &
ActiveSummary
OPTIC & has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41,894 and a net result of -€11,380. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 74% of 18458 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-66
Solvency87▼-13
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 2.61 against 5.49 in 2024; short-term debt: 37.6% and cash: 84.5% of total assets), and 37.6% 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 · 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
62.4%
Return on assets
-17%
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 · 10 filingsDeviation from the deadline
2025
31 d early
2024
60 d late
2023
26 d late
2022
42 d late
2021
121 d late
2020
97 d late
2019
45 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 51 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 (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
€41,894▼ 37.7%
2024 · €67,274
Total assets
€67,088▼ 18.4%
2024 · €82,242
Net result
-€11,380
2024 · €9,344
Working capital
€40,604▼ 39.5%
2024 · €67,149
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
Line20212022202320242025
Operating result€18,233▼ 9.7%€14,408▼ 21.0%€11,987▼ 16.8%€14,365▲ 19.8%-€10,968
Net result€11,829▼ 16.8%€9,363▼ 20.8%€8,539▼ 8.8%€9,344▲ 9.4%-€11,380
Equity€70,028▲ 20.3%€79,392▲ 13.4%€62,930▼ 20.7%€67,274▲ 6.9%€41,894▼ 37.7%
Total assets€90,769▲ 24.0%€102,326▲ 12.7%€80,403▼ 21.4%€82,242▲ 2.3%€67,088▼ 18.4%
Debt€20,741▲ 38.0%€22,934▲ 10.6%€17,473▼ 23.8%€14,967▼ 14.3%€25,193▲ 68.3%
Working capital€69,903▲ 21.6%€79,373▲ 13.5%€62,805▼ 20.9%€67,149▲ 6.9%€40,604▼ 39.5%
Staff (FTE)1.9▲ 26.7%1.8▼ 5.3%1.5▼ 16.7%1.4▼ 6.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10,968 after €14,365 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67,088
Fixed assets
€1,290 ▲ 932%
Current assets
€65,797 ▼ 19.9%
Equity and liabilities €67,088
Equity
€41,894 ▼ 37.7%
Debt
€25,193 ▲ 68.3%
Debt's share of the balance-sheet total rises from 18.2% to 37.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€10,834
Cash flow
-€11,245
Current ratio
2.61▼
2024 · 5.49
Debt to equity
0.60▲
2024 · 0.22
ROE
-27.2%▼
2024 · 13.9%
ROA
-17.0%▼
2024 · 11.4%
Interest coverage
-37.28
Debt ≤ 1 year
€25,193▲
2024 · €14,967
Income taxes
€148▼
2024 · €4,647
Staff costs
€47,307▼
2024 · €56,792
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,815 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.9%
went bankrupt
9.9%
stopped otherwise
88%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% 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 4,815 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €53,014 | €63,734 | €63,422 | €56,792 | €47,307 | ▼ 16.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €607 | €0 | - | - | €135 | - |
| Other operating charges640/8 | €582 | €585 | €731 | €451 | €785 | ▲ 73.9% |
| Gross operating margin9900 | €72,436 | €78,726 | €76,140 | €71,609 | €37,258 | ▼ 48.0% |
| Operating profit (loss)9901 | €18,233 | €14,408 | €11,987 | €14,365 | -€10,968 | ▼ 176% |
| Financial income75/76B | €0 | €1 | €1 | €0 | €27 | - |
| Recurring financial income75 | €0 | €1 | €1 | €0 | €27 | - |
| Financial charges65/66B | €171 | €180 | €313 | €375 | €291 | ▼ 22.4% |
| Recurring financial charges65 | €171 | €180 | €313 | €375 | €291 | ▼ 22.4% |
| Profit (loss) for the period before taxes9903 | €18,062 | €14,228 | €11,675 | €13,990 | -€11,232 | ▼ 180% |
| Income taxes67/77 | €6,232 | €4,865 | €3,136 | €4,647 | €148 | ▼ 96.8% |
| Profit (loss) for the period9904 | €11,829 | €9,363 | €8,539 | €9,344 | -€11,380 | ▼ 222% |
| Profit (loss) for the period to be appropriated9905 | €11,829 | €9,363 | €8,539 | €9,344 | -€11,380 | ▼ 222% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €90,769 | €102,326 | €80,403 | €82,242 | €67,088 | ▼ 18.4% |
| Fixed assets21/28 | €125 | €125 | €125 | €125 | €1,290 | ▲ 932% |
| Tangible fixed assets22/27 | €0 | - | - | - | €1,165 | - |
| Furniture and vehicles24 | €0 | - | - | - | €1,165 | - |
| Financial fixed assets28 | €125 | €125 | €125 | €125 | €125 | = |
| Current assets29/58 | €90,644 | €102,201 | €80,278 | €82,117 | €65,797 | ▼ 19.9% |
| Amounts receivable within one year40/41 | €10,724 | €7,086 | €12,032 | €9,509 | €6,778 | ▼ 28.7% |
| Trade receivables40 | €8,209 | €4,015 | €8,500 | €7,472 | €5,766 | ▼ 22.8% |
| Other amounts receivable41 | €2,516 | €3,071 | €3,531 | €2,037 | €1,012 | ▼ 50.3% |
| Cash at bank and in hand54/58 | €79,920 | €94,489 | €68,246 | €66,532 | €56,674 | ▼ 14.8% |
| Deferred charges and accrued income490/1 | - | €626 | €0 | €6,076 | €2,346 | ▼ 61.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €90,769 | €102,326 | €80,403 | €82,242 | €67,088 | ▼ 18.4% |
| Equity10/15 | €70,028 | €79,392 | €62,930 | €67,274 | €41,894 | ▼ 37.7% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €32,660 | €42,020 | €50,550 | €54,850 | €40,850 | ▼ 25.5% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | €30,800 | €40,160 | €48,690 | €54,850 | €40,850 | ▼ 25.5% |
| Profit (loss) carried forward14 | €31,168 | €31,172 | €6,180 | €6,224 | -€5,156 | ▼ 183% |
| Amounts payable17/49 | €20,741 | €22,934 | €17,473 | €14,967 | €25,193 | ▲ 68.3% |
| Amounts payable within one year42/48 | €20,741 | €22,828 | €17,473 | €14,967 | €25,193 | ▲ 68.3% |
| Trade debts44 | €4,283 | €7,895 | €2,397 | €5,687 | €37 | ▼ 99.4% |
| Suppliers440/4 | €4,283 | €7,895 | €2,397 | €5,687 | €37 | ▼ 99.4% |
| Taxes, remuneration and social security45 | €16,458 | €13,195 | €7,063 | €4,391 | €7,107 | ▲ 61.9% |
| Taxes450/3 | €13,043 | €9,071 | €853 | €2,525 | €2,174 | ▼ 13.9% |
| Remuneration and social security454/9 | €3,415 | €4,124 | €6,210 | €1,866 | €4,933 | ▲ 164% |
| Other amounts payable47/48 | €0 | €1,738 | €8,012 | €4,889 | €18,050 | ▲ 269% |
| Accrued charges and deferred income492/3 | - | €106 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,829 | €9,363 | €8,539 | €9,344 | -€11,380 | ▼ 222% |
| + Depreciation and write-downs630 | €607 | €0 | - | - | €135 | - |
| Operating cash flow (approximation) | €12,437 | €9,363 | €8,539 | €9,344 | -€11,245 | ▼ 220% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€1,300 | - |
| Change in cash | - | €14,569 | -€26,242 | -€1,715 | -€9,858 | ▼ 475% |
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
Weakest financial yearnet -€11,380
Net result drops to -€11,380, the lowest in the series.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
11-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 42 days late
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 121 days late
2021
05-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 97 days late
2020
31-12
Financial
Back to profitnet €14,226
Net result €14,226 after one loss-making year.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 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, Eupen · 1 establishment unit since 2008
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.
Am Bennet 304701 EupenGround area
9,813 m²
Parcel 21307F0133/00W000, Brussels. Linked by address, not a title deed.
1 establishment unit
Pearle Opticien
since 20082.167.885.761
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21307F0133/00W000indicative | Brussels | 9,813 m² | - | - |
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.
Similar companies · same sector, comparable size
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MED OPTIQUE-MY OPTICAL
BE 0864.634.838
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BRILLE KOONEN EUPEN
BE 0561.959.404
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Care for Eyes
BE 0682.979.077
Diepenbeek · Eq €41,444
Of 1,733 companies in sector 47742 we hold annual accounts for 1,139. 882 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
Founded07-01-2008
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
E-invoicing
Reachable via Peppol
Peppol ID
0208:0894683557
Registered
02-12-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.