OPTIC ERIC
ActiveSummary
OPTIC ERIC has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €329k and a net result of €66k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 91% of 6537 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability89▲+15
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 4.53 against 5.77 in 2023; short-term debt: 20.1% and cash: 62% of total assets), and 20.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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 confirmed
2024
25 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
52 d late
2019
60 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€66k▲ 159%
2023 · €25k
2018: €76k
2019: €28k
2020: €105k
2021: €99k
2022: €3k
2023: €25k
2018 → 2024
Working capital
€294k▼ 30.7%
2023 · €423k
2018: €81k
2019: €140k
2020: €255k
2021: €320k
2022: €357k
2023: €423k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€336k-€435k▲ 29.5%€438k▲ 0.7%€463k▲ 5.8%€329k▼ 28.9%
Operating result€127k-€124k▼ 2.8%€189▼ 99.8%€32k▲ 17,077%€97k▲ 200%
Net result€105k-€99k▼ 5.9%€3k▼ 97.0%€25k▲ 757%€66k▲ 159%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 200% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €413k
Fixed assets
€36k ▼ 37.9%
Current assets
€377k ▼ 26.4%
Equity and liabilities €413k
Equity
€329k ▼ 28.9%
Debt
€84k ▼ 21.9%
Debt's share of the balance-sheet total rises from 18.8% to 20.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€119k▲
2023 · €70k
Cash flow
€88k▲
2023 · €63k
Current ratio
4.53▼
2023 · 5.77
Quick ratio
3.22▼
2023 · 4.46
Debt to equity
0.25▲
2023 · 0.23
ROE
20.0%▲
2023 · 5.5%
ROA
16.0%▲
2023 · 4.5%
Interest coverage
204.53▲
2023 · 123.93
Debt ≤ 1 year
€83k▼
2023 · €89k
Income taxes
€36k▲
2023 · €10k
Staff costs
€85k▲
2023 · €82k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€571k€413k▼
Fixed assets21/28€58k€36k▼
Tangible fixed assets22/27€55k€36k▼
Furniture and vehicles24€55k€36k▼
Financial fixed assets28€4k-
Current assets29/58€512k€377k▼
Stocks and contracts in progress3€116k€109k▼
Stocks30/36€116k€109k▼
Amounts receivable within one year40/41€73k€12k▼
Trade receivables40€45k€2k▼
Other amounts receivable41€28k€10k▼
Cash at bank and in hand54/58€323k€256k▼
Equity and liabilities
Total equity and liabilities10/49€571k€413k▼
Equity10/15€463k€329k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€29k€95k▲
Non-distributable reserves130/1€11k€11k=
Legal reserve130€11k€11k=
Distributable reserves133€18k€84k▲
Profit (loss) carried forward14€372k€172k▼
Amounts payable17/49€107k€84k▼
Amounts payable within one year42/48€89k€83k▼
Trade debts44€77k€25k▼
Suppliers440/4€77k€25k▼
Taxes, remuneration and social security45€12k€52k▲
Taxes450/3€11k€34k▲
Remuneration and social security454/9€1k€18k▲
Other amounts payable47/48-€7k
Accrued charges and deferred income492/3€19k€570▼
Income statement
Code20232024
Remuneration, social security and pensions62€82k€85k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€22k▼
Other operating charges640/8€4k€7k▲
Gross operating margin9900€156k€211k▲
Operating profit (loss)9901€32k€97k▲
Financial income75/76B€4k€6k▲
Recurring financial income75€4k€6k▲
Financial charges65/66B€563€584▲
Recurring financial charges65€563€584▲
Profit (loss) for the period before taxes9903€36k€102k▲
Income taxes67/77€10k€36k▲
Profit (loss) for the period9904€25k€66k▲
Profit (loss) for the period to be appropriated9905€25k€66k▲
Appropriation of the result
Profit (loss) to be appropriated9906€372k€438k▲
Profit (loss) brought forward from the previous period14P€347k€372k▲
Transfer to equity691/2-€66k
To other reserves6921-€66k
Profit to be distributed694/7-€200k
Return on contributions (dividend)694-€200k
Social balance
Average headcount (FTE)90870.80.8=
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €3k ▼97%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 52 days late
2020
31-12
Financial
Highest result since 2018net €105k ▲280%
Operating result €127k, net result €105k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 4.22
Current ratio from 2.08 to 4.22; short-term debt falls from €75k to €43k.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, La Hulpe · 1 establishment unit since 1996
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.
Square Marie-Pouli 71310 La Hulpe1 establishment unit
OPTIC ERIC
since 19962.079.182.825
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GRENEZ
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FOTO-VIDEO LEURS
BE 0422.357.497
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OPTIEK DEFEVER
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Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 886 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-1996
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filings
Scores and ratios are computed by Checked and are not a credit decision.