OPTIC SCHUMAN
ActiveOPTIC SCHUMAN has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €11k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 69% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-45
Solvency97=
Growth78=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.26 against 2.18 in 2024), and 43.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 47
higher
← 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
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
56.2%
Return on assets
6.2%
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
29 d late
2023
99 d late
2022
153 d late
2021
153 d late
2020
118 d late
2019
217 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
Turnover
€142k
EBIT margin
2.8%
Net result
€11k▼ 56.0%
2024 · €24k
2018: €956
2019: €8k
2020: €741
2021: €20k
2022: €12k
2023: €10k
2024: €24k
2018 → 2025
Working capital
€95k▲ 13.9%
2024 · €83k
2018: €35k
2019: €43k
2020: €34k
2021: €52k
2022: €63k
2023: €72k
2024: €83k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€67k▲ 21.3%€77k▲ 14.5%€86k▲ 12.1%€97k▲ 12.4%
Operating result€30k-€20k▼ 33.8%€16k▼ 18.9%€32k▲ 97.6%€12k▼ 61.4%
Net result€20k-€12k▼ 42.2%€10k▼ 17.5%€24k▲ 150%€11k▼ 56.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 61% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €172k
Fixed assets
€2k▼ 31.5%
Current assets
€170k▲ 10.7%
Equity and liabilities €172k
Equity
€97k▲ 12.4%
Debt
€75k▲ 6.9%
The debt ratio falls from 45.0% to 43.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€13k▼
2024 · €33k
Cash flow
€12k▼
2024 · €26k
Solvency
56.2%▲
2024 · 55.0%
Current ratio
2.26▲
2024 · 2.18
Quick ratio
1.06▲
2024 · 0.78
Debt / equity
0.78▼
2024 · 0.82
ROE
11.1%▼
2024 · 28.2%
ROA
6.2%▼
2024 · 15.5%
Interest coverage
5.06▼
2024 · 14.18
Debt
€75k▲
2024 · €71k
Debt ≤ 1 year
€75k▲
2024 · €71k
Income taxes
€5k▲
2024 · €5k
Staff costs
€51k▲
2024 · €32k
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€157k€172k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€722€215▼
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€150€150=
Current assets29/58€154k€170k▲
Amounts receivable after more than one year29-€60k
Other amounts receivable291-€60k
Stocks and contracts in progress3€99k€90k▼
Stocks30/36€99k€90k▼
Amounts receivable within one year40/41€55k€20k▼
Trade receivables40€1k€15k▲
Other amounts receivable41€53k€5k▼
Cash at bank and in hand54/58€76€57▼
Deferred charges and accrued income490/1-€117
Equity and liabilities
Total equity and liabilities10/49€157k€172k▲
Equity10/15€86k€97k▲
Contributions10/11€40k€40k=
Reserves13€45k€55k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€41k€51k▲
Profit (loss) carried forward14€563€1k▲
Amounts payable17/49€71k€75k▲
Amounts payable within one year42/48€71k€75k▲
Financial debts43€8k€13k▲
Credit institutions430/8€8k€13k▲
Trade debts44€39k€43k▲
Suppliers440/4€39k€43k▲
Taxes, remuneration and social security45€8k€16k▲
Taxes450/3€2k€7k▲
Remuneration and social security454/9€6k€8k▲
Other amounts payable47/48€15k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€32k€51k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€884▼
Other operating charges640/8€1k€877▼
Gross operating margin9900€66k€65k▼
Operating profit (loss)9901€32k€12k▼
Financial income75/76B€20€6k▲
Recurring financial income75€20€6k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€29k€16k▼
Income taxes67/77€5k€5k▲
Profit (loss) for the period9904€24k€11k▼
Profit (loss) for the period to be appropriated9905€24k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€11k▼
Profit (loss) brought forward from the previous period14P-€563
Transfer from equity791/2€279-
Transfer to equity691/2€9k€10k▲
To other reserves6921€9k€10k▲
Profit to be distributed694/7€15k-
Directors or managers695€15k-
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
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €24k ▲150%
Operating result €32k, net result €24k, both a record.
07-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 99 days late
2023
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 153 days late
2022
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 153 days late
2021
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 118 days late
05-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 217 days late
2020
31-12
Financial
Weakest financial yearnet €741 ▼90.5%
Net result drops to €741, the lowest in the series; recovery starts the following year.
2019
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 139 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 92 days late
2015
09-10
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Etterbeek · 1 establishment unit since 2011
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.
Froissartstraat 881040 EtterbeekGround area
2,092 m²
Building footprint
833 m²
Volume, LiDAR
19,239 m³
Parcel 21806F0478/00T005, Brussels · tallest building 27.4 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
OPTIC SCHUMAN
since 20112.198.399.387
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0478/00T005 | Brussels | 2,092 m² | 1 · 833 m² | 27.4 m · 8 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.
Similar companies · same sector, comparable size
OPTIQUE MAGRIS
BE 0445.748.256
Charleroi · Eq €97k
HOYDONCKX
BE 0466.045.903
Bocholt · Eq €97k
OPTIQUE INVEST
BE 0749.575.121
Nandrin · Eq €97k
NATO
BE 0712.845.872
Sint-Niklaas · Eq €96k
PISUKE
BE 0892.941.121
Waterloo · Eq €97k
Of 1,725 companies in sector 47742 we hold annual accounts for 1,136. 996 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2010
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.