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OPTIC &

Active Private limited companyfounded 2008active for 18 yearsAm Bennet 30, 4701 EupenKBO/BCE: BE 0894.683.557
OPTIC &
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Overview

Lifetime

18 annual accounts with figures on one time axis
peak €78,726 (2022)
€37,258▼ 48.0%
lowest -€11,380 (2025)
-€11,380▼ €20,724
peak €79,392 (2022)
€41,894▼ 37.7%
€25,193▲ 68.3%
peak 1.8 FTE (2008)
-not published
Board1 name since 2008
1 director
Documentsfilings and deeds
30-06-202631 days before the deadline
2025micro format
Gross margin from €71,609 to €37,258Loss of €11,380Dividend €14,000Equity from €67,274 to €41,894Debts from €14,967 to €25,193Investments €1,300

Key points

from the 2025 annual accounts

Equity

€41,894 ▼ 37.7%
67,2742024-11,380Loss-14,000Dividend41,8942025

OPTIC & paid out €14,000 in dividends in a year with a loss of €11,380.

Turnover

≈ €180,000 estimated

The micro format states no turnover.

Investments

€1,300 9.7 × depreciation

Green is investment, beige is depreciation.

Liquidity

2.61 was 5.49 in 2024

Short-term debts rose from €14,967 to €25,193.

Filings

18 annual accounts since 2008
AprilJune31 JulyOctober2010201520202025

Nine of the last ten came late. The 2021 accounts came latest: 121 days after the end of the period.

Position in the sector

-€11,380

Lower net result than 83% of companies in retail trade. Sector median €4,763 · 25,208 companies.

Checked score

Bankruptcy probability within 12 months

Financial strength

Score breakdown

Comparable companies, two years later

In July 2024, 4,820 companies had the same profile as OPTIC & has now. Each dot stands for 13 companies, two years later.

87.9%
were still trading
10.0%
stopped another way
2.0%
went bankrupt
  • Micro
  • 10 to 20 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

Test of the method

The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 2.9% 3.1%
10 5.6% 6.1%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 4,820 companies, not a prediction for OPTIC &. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Board and ownership

Director, since 04-01-2008
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0894683557
Company renamed from to OPTIC & Appointment: (director) · Resignation: SAIDI Widad (director) · Director discharge: SAIDI Widad · General meeting of 23-11-2023 · Gazette deed
First establishment Pearle Opticien, Olympische dreef 13, Anderlecht
Incorporation published on 15-01-2008 · Gazette deed
All 25 events

Comparable companies

same main activity, similar in size and age
Company
OPTIC & Eupen €67,088 €37,258 62.4% -
BARATTIN M. Liège €81,919 €30,378 45.3% -
Optic.K Herstal €56,075 €32,256 43.4% -
WILLY SIMENS Liège €87,347 €45,356 71.9% -
GABRIEL OPTIQUE Trois-Ponts €70,815 €52,955 43.1% -
MIAMI OPTICAL COMPANY Uccle €54,660 €30,286 -386.1% -
MED OPTIQUE-MY OPTICAL Schaerbeek €81,691 €41,776 51.0% -

These companies have the same main activity as OPTIC &: retail sale of prescription glasses, lenses and sunglasses (NACE 47742). They are comparable in size and age: total assets between €54,700 and €87,300, founded between 2004 and 2010.

Official details

Source: KBO
Status
Active since 07-01-2008Normal situation
Activity
Retail sale of prescription glasses, lenses and sunglassesNACE 47742
Joint committees
100Auxiliary committee for blue-collar workers
201Independent retail · annual accounts 2025
Establishment unit
2.167.885.7611070 Anderlecht, since 21-01-2008
Financial year end
31 December
Peppol
Reachable since 02-12-2025
Company details

Annual accounts 2025

€37,258▼ 48.0%
€11,380
€41,894▼ 37.7%
€67,088▼ 18.4%
Filing
Filed on 30-06-2026, 31 days before the end of the filing period
Financials

Insights on OPTIC &

OPTIC & files the micro format. That format states no turnover. The gross margin fell from €61,288 in 2008 to €37,258 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 30-06-2026, 31 days before the deadline
€37,258
▼ 48.0%
-€10,968
▼ €25,333
-€10,834
-€11,245
62.4%
▼ 19.4 percentage points
2.61
▼ 2.87

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €180,000. Estimated: probably between €96,000 and €320,000.

Money flows

no detail for 2025

Balance sheet

balance sheet total €67,088 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

62.4%

Higher than 74% of 25,237 companies in 2025.

2.61

Higher than 72% of 24,245 companies in 2025.

-17.0%

Higher than 13% of 24,434 companies in 2025.

OPTIC & Middle half of the sector 80% of the sector Micro accounts in retail trade (NACE 47)

Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half

Staff

Staff costs divided by the average number of full-time equivalents.

people who joined people who left

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020201920182017201620152014201320122011201020092008
Balance sheet: assets
20/58 67,08882,24280,403102,32690,76973,22560,24375,17374,00156,54851,89544,09441,01535,24141,32237,87329,77524,347
21/28 1,2901251251251257321,5752,3473,4502,5252079271,647771950826896400
22/27 1,165---06071,4502,2223,3252,400828021,522646825701771275
23 -----06001,2001,8002,400--------
24 1,165---06078501,0221,5250828021,522646825701771275
28 125125125125125125125125125125125125125125125125125125
29/58 65,79782,11780,278102,20190,64472,49358,66872,82570,55154,02351,68743,16739,36834,47040,37337,04728,87923,947
40/41 6,7789,50912,0327,08610,72421,06216,09416,19712,7479,77210,12610,41910,57013,09411,8769,4637,19210,611
40 5,7667,4728,5004,0158,20917,27210,36914,21712,7479,77210,12610,41910,57013,09411,8769,4637,18710,611
41 1,0122,0373,5313,0712,5163,7905,7251,9800000000050
54/58 56,67466,53268,24694,48979,92051,43141,25356,41554,40440,85241,56132,74828,79821,32828,49727,58421,68713,336
490/1 2,3466,0760626-01,3212133,4003,400--049----
Balance sheet: equity and liabilities
10/49 67,08882,24280,403102,32690,76973,22560,24375,17374,00156,54851,89544,09441,01535,24141,32237,87329,77524,347
10/15 41,89467,27462,93079,39270,02858,19943,97349,31351,55038,83638,36028,41429,31224,61122,04817,41913,1338,994
10/11 6,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,2006,200
100 ------18,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,600
101 ------12,40012,40012,40012,40012,40012,40012,40012,40012,40012,40012,40012,400
13 40,85054,85050,55042,02032,66020,8606,8606,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,860
130/1 -01,8601,8601,8601,860------------
130 ------1,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,860
1311 -01,8601,8601,8601,860------------
133 40,85054,85048,69040,16030,80019,0005,0005,000----------
14 -5,1566,2246,18031,17231,16831,13930,91336,25343,49030,77630,30020,35421,25216,55113,9889,3595,073934
17/49 25,19314,96717,47322,93420,74115,02616,27025,86022,45117,71213,53415,68111,70310,63019,27420,45416,64215,353
42/48 25,19314,96717,47322,82820,74115,02616,27025,86022,45117,71213,53415,68111,70310,63019,27420,45416,64215,353
44 375,6872,3977,8954,2832,7235,4113,9284,4884,6822,0905,0623,6201,56510,4668,5927,5277,686
440/4 375,6872,3977,8954,2832,7235,4113,9284,4884,6822,0905,0623,6201,56510,4668,5927,5277,686
45 7,1074,3917,06313,19516,45811,9359,88121,78017,96313,03011,44510,6198,0839,0668,80811,8539,1157,628
450/3 2,1742,5258539,07113,0436,2183,00114,65113,5247,7687,2026,1994,3853,9484,5618,6185,3183,433
454/9 4,9331,8666,2104,1243,4155,7176,8807,1294,4395,2624,2434,4193,6985,1184,2473,2353,7984,196
47/48 18,0504,8898,0121,7380367979152000000010039
492/3 --0106--------------
Income statement
70 ----------105,661106,164----100,800115,471
9900 37,25871,60976,14078,72672,43658,29459,42865,35576,81757,76049,33653,10653,96151,11454,76341,91043,03861,288
60/61 ----------56,32653,058----57,76354,183
62 47,30756,79263,42263,73453,01436,86262,05654,35952,83154,08133,11951,57744,79745,64145,60033,96033,86357,590
630 135--06078431,8151,1031,1036827207201,036591825647454137
640/8 785451731585582402402400399477475475474509492116117361
9901 -10,96814,36511,98714,40818,23320,187-4,8449,49322,4842,52015,0223357,6534,3737,8467,1878,6043,199
75/76B 2701109-000---2624201498
75 2701109-000---2624201498
65/66B 29137531318017114914316513429111895921249811511643
65 29137531318017114914316513429111895921249811511643
9903 -11,23213,99011,67514,22818,06220,047-4,9879,32822,3502,22914,9042397,5614,2767,7717,0938,5013,255
67/77 1484,6473,1364,8656,2325,8213533,5659,6361,7534,9571,1382,8601,7133,1432,8074,362460
9904 -11,3809,3448,5399,36311,82914,226-5,3405,76312,7134769,947-8984,7012,5634,6294,2864,1392,794
9905 -11,3809,3448,5399,36311,82914,226-5,3405,76312,7134769,947-8984,7012,5634,6294,2864,1392,794
Appropriation of the result
9906 -5,15615,52439,71040,53242,96845,13930,91349,25343,49030,77630,30020,35421,25216,55113,9889,3595,0732,794
14P 6,2246,18031,17231,16831,139-------------
791/2 14,0005,000----------------
691/2 09,3008,5309,36011,80014,000-5,000---------1,860
6920 -----------------1,860
6921 09,3008,5309,36011,80014,000-5,000----------
694/7 14,0005,00025,000----8,000----------
694 14,0005,00025,000----8,000----------
Social balance sheet
9087 -1.41.51.81.91.51.81.71.51.41.81.51.31.41.31.311.8
Hours worked1013 -2,5782,5903,2132,5361,7403,0303,0522,5672,6692,1282,7302,2772,5672,4941,9761,7783,557
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 13 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 30-06-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 30-06-2026 2026-00237367 PDF
31-12-2024 micro format 29-09-2025 2025-00508519 PDF
31-12-2023 micro format 26-08-2024 2024-00375401 PDF
31-12-2022 micro format 11-09-2023 2023-00443562 PDF
31-12-2021 micro format 29-11-2022 2022-20527022 PDF
31-12-2020 micro format 05-11-2021 2021-76600064 PDF
31-12-2019 micro format 14-09-2020 2020-53300253 PDF
31-12-2018 micro format 26-08-2019 2019-51300535 PDF
31-12-2017 micro format 30-08-2018 2018-56200249 PDF
31-12-2016 micro format 29-08-2017 2017-55100138 PDF
31-12-2015 full format 30-08-2016 2016-56200591 PDF
31-12-2014 full format 24-08-2015 2015-50900496 PDF
31-12-2013 full format 28-08-2014 2014-54700497 PDF
31-12-2012 full format 27-08-2013 2013-49200299 PDF
31-12-2011 full format 31-08-2012 2012-52800230 PDF
31-12-2010 full format 31-08-2011 2011-51600427 PDF
31-12-2009 full format 24-08-2010 2010-44200164 PDF
31-12-2008 full format 27-08-2009 2009-66300224 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020201920182017201620152014201320122011201020092008
-10,834--14,40818,84021,029-3,02910,59623,5873,20315,7411,0558,6894,9648,6717,8349,0583,337
-11,245--9,36312,43715,069-3,5256,86613,8161,15910,667-1785,7373,1545,4544,9334,5932,932
1,300--0001,04202,0283,000001,912412949577950537
-9,858-1,715-26,24214,56928,48910,178-15,1622,01113,552-7098,8133,9507,471-7,1699135,8978,351-
40,60467,14962,80579,37369,90357,46742,39846,96648,10036,31138,15327,48627,66523,84021,09816,59312,2378,594
----------14.2%0.3%----8.5%2.8%
62.4%81.8%78.3%77.6%77.1%79.5%73.0%65.6%69.7%68.7%73.9%64.4%71.5%69.8%53.4%46.0%44.1%36.9%
2.615.494.594.484.374.823.612.823.143.053.822.753.363.242.091.811.741.56
0.600.220.280.290.300.260.370.520.440.460.350.550.400.430.871.171.271.71
-27.2%13.9%13.6%11.8%16.9%24.4%-12.1%11.7%24.7%1.2%25.9%-3.2%16.0%10.4%21.0%24.6%31.5%31.1%
-17.0%11.4%10.6%9.2%13.0%19.4%-8.9%7.7%17.2%0.8%19.2%-2.0%11.5%7.3%11.2%11.3%13.9%11.5%
-37.28--79.97over 100-------------
----------35 days36 days----26 days34 days
----------14 days35 days----48 days52 days

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item31-12-202431-12-202331-12-202231-12-2021
Employees at the balance-sheet date2223
full-time1111
part-time1112
in full-time equivalents1.31.41.51.9
1.41.51.81.4
On a permanent contract1111
Joined2555
Left7697

Source: social balance sheet in the 2021 to 2024 annual accounts

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€1,300----
Financial fixed assets€0----
€135--€0€607

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on OPTIC &

The operating result for 2025 is a loss of €10,968, after a profit of €14,365 in 2024. It is the lowest result since 2008.

Debt's share of the balance-sheet total rises from 18.2% to 37.6%. Equity is lower and debt is higher.

Board & ownership

Board

1 director, no change since 2023
Director (not named in the articles)
since 04-01-2008 term without a fixed end
listed in the 2025 annual accounts, filed on 30-06-2026

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today

Board
Board
Mandates as a list
    • Board, from 04-01-2008 to date

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€6,200
Source
2025 annual accounts

Articles of association

deed of 12-12-2023 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
“Fixe ou proportionnelle, rémunération des administrateurs”

Capital transactions

Capital over time
  1. 12-12-2023 Converted to unavailable equity · €8,060
  2. 12-12-2023 Converted to uncalled contributions · €12,400

Network & group

No group

OPTIC & has no parent and no holdings in its annual accounts. is the only director. OPTIC & shares no director with another company.

Timeline

Timeline

25 events since 2008

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 31 days before the deadline
2025
Weakest financial year net -€11,380 The net result drops to -€11,380, the lowest from 2008 to 2025.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0894683557
Annual accounts 2024 filed PDFmicro format · 60 days late
2024
Annual accounts 2023 filed PDFmicro format · 26 days late
2023
Company renamed from to OPTIC &Appointment: (director) · Resignation: SAIDI Widad (director) · Director discharge: SAIDI Widad · General meeting of 23-11-20236 points ▸
  • Director appointment, (director (not named in the articles))
  • Director resignation,
  • Director discharge,
  • Registered office clause, Am Bennet 30, 4701 EUPEN-KETTENIS
  • General meeting, 23-11-2023
  • Name change, OPTIC &
  • The deed holds 8 more points.

Open the deed in the Belgian Official Gazette

Annual accounts 2022 filed PDFmicro format · 42 days late
2022
Annual accounts 2021 filed PDFmicro format · 121 days late
2021
Annual accounts 2020 filed PDFmicro format · 97 days late
2020
Back to profit net €14,226 The net result is €14,226, after one loss-making year.
Annual accounts 2019 filed PDFmicro format · 45 days late
2019
Annual accounts 2018 filed PDFmicro format · 26 days late
2018
Annual accounts 2017 filed PDFmicro format · 30 days late
2017
Annual accounts 2016 filed PDFmicro format · 29 days late
2016
Annual accounts 2015 filed PDFfull format · 30 days late
2015
Back to profit net €9,947 The net result is €9,947, after one loss-making year.
Annual accounts 2014 filed PDFfull format · 24 days late
2014
Annual accounts 2013 filed PDFfull format · 28 days late
2013
Annual accounts 2012 filed PDFfull format · 27 days late
2012
Annual accounts 2011 filed PDFfull format · 31 days late
2011
Annual accounts 2010 filed PDFfull format · 31 days late
2010
Annual accounts 2009 filed PDFfull format · 24 days late
2009
Annual accounts 2008 filed PDFfull format · 27 days late
2008
First establishment Pearle Opticien, Olympische dreef 13, Anderlecht
Incorporation PDFpublished on 15-01-2008

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

OPTIC & was incorporated on 7 January 2008.1 Since 2023 the company has been called OPTIC &.2 has served as director since 2008.3 Total assets fell from €75,173 in 2018 to €67,088 in 2025 and headcount from 1.7 full-time equivalents in 2018 to 1.4 in 2024.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 12-12-2023
  3. 3National Bank, annual accounts 2025
  4. 4National Bank, annual accounts 2018, 2024 and 2025

Company details

Identity

Enterprise number
0894.683.557
VAT number
BE 0894.683.557
Peppol ID
0208:0894683557
Legal form
Private limited company
Status
Active, normal situation
Founded
07-01-2008
Financial year
ends on 31 December
Peppol
Reachable since 02-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
OPTIC & in French
Former name
SAIDI WIDAD until the deed of 12-12-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 12-12-2023 (in French)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Région Wallonne”
deed of 12-12-2023 (in French)

Activities

NACEBEL 2025
VAT activities
47742 Retail sale of prescription glasses, lenses and sunglasses main activity
Social security (RSZ) activities
47742 Retail sale of prescription glasses, lenses and sunglasses main activity
Joint committees annual accounts 2025
JC 100 Auxiliary committee for blue-collar workers
JC 201 Independent retail
Codes under NACEBEL 2008
VAT activities
47782 Retail trade main activity
Social security (RSZ) activities
47782 Retail trade main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“L'exercice de l'activité comme opticienne,optométriste et lunettier dans le sens le plus large du terme et de toutes ses activités…”
2 activities
  1. L'exercice de l'activité comme opticienne,optométriste et lunettier dans le sens le plus large du terme et de toutes ses activités parallèles ou connexes
  2. S'intéresser et entreprendre tant en Belgique qu'à l'étranger,toutes opérations industrielles,commerciales ou financières tant immobilières que mobilières,se rapportant directement ou indirectement à son objet social ou de nature à favoriser celui-ci
deed of 12-12-2023 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Am Bennet 30 registered office 4701 Eupen
Pearle Opticien Olympische dreef 13, 1070 Anderlecht 21-01-2008 2.167.885.761

Location

establishment approximate The establishment unit on the map

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