OPTIC CROMBAG
ActiveSummary
For OPTIC CROMBAG, one filing cycle of the annual accounts is missing. The 2024 annual accounts show equity of €158,666 and a net result of €13,082. Equity is shrinking by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 55% of 26040 sector peers (fiscal year 2024). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
No current score
Figures too old
The available figures for FY 2024 are too old to assess current financial health.
Filing: One filing cycle is missing
Axes, FY 2024 · tick = 2023
Profitability73▼-1
Solvency63▲+4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 →
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 2024Solvency, return and age of the figures
Solvency
37.8%
Return on assets
3.1%
Age of the figures
27 mo
raises risk · Annual accounts not filed
The financial year that closed on 30-06-2025 was due at the National Bank by 31-01-2026. Nothing is on record, 240 days later.
NBB · 10 filingsPosition against the passed deadline
30-06-2025 close31-01-2026 deadline28-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 03-03-2025, 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 · 10 filingsDeviation from the deadline
2025
not filed
2024
31 d late
2023
on the day
2021
19 d early
2020
1 d early
2019
16 d early
2018
35 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 7 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 (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€13,082▼ 20.7%
2023 · €16,503
Working capital
€228,840▲ 17.1%
2023 · €195,412
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202120232024
Operating result€87,373--€11,252-€11,799▼ 4.9%€17,950-€20,623▲ 14.9%
Net result€64,170--€12,050below the sector's middle half-€16,057below the sector's middle half▼ 33.3%€16,503within the sector's middle half-€13,082within the sector's middle half▼ 20.7%
Equity€212,568-€200,518within the sector's middle half▼ 5.7%€184,461above the sector's middle half▼ 8.0%€145,585above the sector's middle half-€158,666above the sector's middle half▲ 9.0%
Total assets€315,315-€337,584within the sector's middle half▲ 7.1%€472,577above the sector's middle half▲ 40.0%€426,103above the sector's middle half-€419,386above the sector's middle half▼ 1.6%
Debt€102,747-€137,065▲ 33.4%€288,115▲ 110%€280,518-€260,720▼ 7.1%
Working capital€162,013-€140,835▼ 13.1%€217,923▲ 54.7%€195,412-€228,840▲ 17.1%
Solvency67.4%-59.4%above the sector's middle half▼ 8.0pp39.0%within the sector's middle half▼ 20.4pp34.2%within the sector's middle half-37.8%within the sector's middle half▲ 3.7pp
Staff (FTE)3.6-2.8within the sector's middle half▼ 22.2%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 15% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €419,386
Fixed assets
€88,030 ▼ 33.1%
Current assets
€331,356 ▲ 12.5%
Equity and liabilities €419,386
Equity
€158,666 ▲ 9.0%
Debt
€260,720 ▼ 7.1%
Debt's share of the balance-sheet total falls from 65.8% to 62.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€64,111▼
2023 · €64,915
Cash flow
€56,570▼
2023 · €63,468
Current ratio
3.23▲
2023 · 2.97
Quick ratio
0.50▲
2023 · 0.40
Debt to equity
1.64▼
2023 · 1.93
ROE
8.2%▼
2023 · 11.3%
ROA
3.1%▼
2023 · 3.9%
Interest coverage
7.51▼
2023 · 10.84
Debt ≤ 1 year
€102,516▲
2023 · €99,172
Debt > 1 year
€157,166▼
2023 · €180,618
Staff costs
€120,792▼
2023 · €133,322
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €133,322 | €120,792 | ▼ 9.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €30,926 | €32,587 | €56,586 | €46,965 | €43,488 | ▼ 7.4% |
| Other operating charges640/8 | - | - | - | €675 | €421 | ▼ 37.6% |
| Gross operating margin9900 | €208,955 | €89,522 | €139,239 | €198,912 | €185,325 | ▼ 6.8% |
| Operating profit (loss)9901 | €87,373 | -€11,252 | -€11,799 | €17,950 | €20,623 | ▲ 14.9% |
| Financial income75/76B | - | - | - | €4,544 | €991 | ▼ 78.2% |
| Recurring financial income75 | €1,779 | €2,983 | €1,782 | €4,544 | €991 | ▼ 78.2% |
| Financial charges65/66B | - | - | - | €5,991 | €8,532 | ▲ 42.4% |
| Recurring financial charges65 | €7,662 | €3,665 | €6,039 | €5,991 | €8,532 | ▲ 42.4% |
| Profit (loss) for the period before taxes9903 | €81,490 | -€11,934 | -€16,056 | €16,503 | €13,082 | ▼ 20.7% |
| Income taxes67/77 | €17,320 | €116 | €1 | - | - | - |
| Profit (loss) for the period9904 | €64,170 | -€12,050 | -€16,057 | €16,503 | €13,082 | ▼ 20.7% |
| Profit (loss) for the period to be appropriated9905 | €64,170 | -€12,050 | -€16,057 | €16,503 | €13,082 | ▼ 20.7% |
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €315,315 | €337,584 | €472,577 | €426,103 | €419,386 | ▼ 1.6% |
| Fixed assets21/28 | €90,802 | €93,057 | €201,231 | €131,518 | €88,030 | ▼ 33.1% |
| Intangible fixed assets21 | - | - | €55,714 | €37,143 | €27,857 | ▼ 25.0% |
| Tangible fixed assets22/27 | €77,569 | €84,703 | €136,854 | €86,604 | €52,401 | ▼ 39.5% |
| Plant, machinery and equipment23 | - | - | - | €70,232 | €42,175 | ▼ 39.9% |
| Furniture and vehicles24 | - | - | - | €16,371 | €10,226 | ▼ 37.5% |
| Financial fixed assets28 | €13,233 | €8,354 | €8,663 | €7,772 | €7,772 | = |
| Current assets29/58 | €224,513 | €244,527 | €271,345 | €294,584 | €331,356 | ▲ 12.5% |
| Amounts receivable after more than one year29 | - | - | - | €7,026 | €17,089 | ▲ 143% |
| Other amounts receivable291 | - | - | - | €7,026 | €17,089 | ▲ 143% |
| Stocks and contracts in progress3 | €173,662 | €168,423 | €192,668 | €254,833 | €279,894 | ▲ 9.8% |
| Stocks30/36 | - | - | - | €254,833 | €279,894 | ▲ 9.8% |
| Amounts receivable within one year40/41 | €11,694 | €29,167 | €13,259 | €12,224 | €24,980 | ▲ 104% |
| Trade receivables40 | - | - | - | €10,260 | €23,318 | ▲ 127% |
| Other amounts receivable41 | - | - | - | €1,964 | €1,662 | ▼ 15.4% |
| Cash at bank and in hand54/58 | €39,157 | €46,937 | €64,646 | €19,578 | €2,713 | ▼ 86.1% |
| Deferred charges and accrued income490/1 | - | - | - | €923 | €6,681 | ▲ 624% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €315,315 | €337,584 | €472,577 | €426,103 | €419,386 | ▼ 1.6% |
| Equity10/15 | €212,568 | €200,518 | €184,461 | €145,585 | €158,666 | ▲ 9.0% |
| Contributions10/11 | €18,592 | €18,592 | - | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | - | - | - | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | - | - | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | €192,117 | €180,067 | €164,010 | €125,133 | €138,215 | ▲ 10.5% |
| Amounts payable17/49 | €102,747 | €137,065 | €288,115 | €280,518 | €260,720 | ▼ 7.1% |
| Amounts payable after more than one year17 | €40,246 | €33,374 | €234,693 | €180,618 | €157,166 | ▼ 13.0% |
| Financial debts170/4 | - | - | - | €180,618 | €157,166 | ▼ 13.0% |
| Amounts payable within one year42/48 | €62,501 | €103,692 | €53,422 | €99,172 | €102,516 | ▲ 3.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €33,015 | €28,307 | ▼ 14.3% |
| Trade debts44 | €19,507 | €78,205 | €14,124 | €47,082 | €52,898 | ▲ 12.4% |
| Suppliers440/4 | - | - | - | €47,082 | €52,898 | ▲ 12.4% |
| Taxes, remuneration and social security45 | - | - | - | €19,074 | €18,186 | ▼ 4.7% |
| Taxes450/3 | - | - | - | €19,074 | €18,186 | ▼ 4.7% |
| Remuneration and social security454/9 | - | - | - | €0 | - | - |
| Other amounts payable47/48 | - | - | - | - | €3,126 | - |
| Accrued charges and deferred income492/3 | - | - | - | €727 | €1,038 | ▲ 42.7% |
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €64,170 | -€12,050 | -€16,057 | €16,503 | €13,082 | ▼ 20.7% |
| + Depreciation and write-downs630 | €30,926 | €32,587 | €56,586 | €46,965 | €43,488 | ▼ 7.4% |
| Operating cash flow (approximation) | €95,096 | €20,537 | €40,529 | €63,468 | €56,570 | ▼ 10.9% |
| Investment in fixed assets (approximation) | - | -€34,842 | -€164,760 | - | €0 | - |
| Change in cash | - | €7,779 | €17,709 | - | -€16,865 | - |
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
2025
03-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-06
Financial
Equity above €150,000Eq €158,666 ▲9%
2 profitable years in a row build equity to €158,666.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €16,503
Net result €16,503 after 2 loss-making years.
2022
12-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet -€16,057
Net result drops to -€16,057, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 5.08
Current ratio from 2.36 to 5.08; short-term debt falls from €103,692 to €53,422.
30-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
27-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
06-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
31-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
01-02
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 1 day late
2015
08-02
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Namur · 2 establishment units since 1988
Ground area
501 m²
Building footprint
109 m²
Volume, LiDAR
654 m³
2 parcels, Wallonia · tallest building 12.9 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Chaussée de Louvain(BU) 315, 5004 Namur
since 19882.038.928.122
Optic Crombag
since 20202.308.747.676
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92021F0109/00_000 | Wallonia | 404 m² | 1 · 61 m² | 12.9 m · 4 fl. |
| 91030A0598/00B000 | Wallonia | 97 m² | 1 · 49 m² | - |
Linked by address, not proof of ownership
Good to know
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
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DE LANDTSHEER
BE 0424.424.191
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Snel-Optiek
BE 0422.901.885
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OPTIEK LUC VAN CAENEGHEM
BE 0424.888.407
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Of 1,733 companies in sector 47742 we hold annual accounts for 1,139. 982 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
Founded28-06-1988
Fiscal year end30-06
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
E-invoicing
Reachable via Peppol
Peppol ID
0208:0434577321
Registered
28-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.