Equity
€22,881 from €113,850 in 2023
Equity fell by 80% in 2 years.
OPTIC Waremme
Lifetime
9 annual accounts with figures on one time axispeak €220,454 (2025)
€220,454▲ 18.3%
lowest -€30,765 (2017)
€29,887▲ €30,743
peak €113,850 (2023)
€22,881▼ 79.8%
€283,824▲ 120%
peak 3.2 FTE (2019)
-not published
Board2 names since 2016
2 directorsBAUDINET Georges Fernand Armand Eugène and 1 other
Documentsfilings and deeds
27-08-202627 days late
2025micro format
Gross margin from €186,311 to €220,454Back to profit: €29,887Dividend €120,000Equity from €112,994 to €22,881Debts from €129,178 to €283,824Cash from €64,627 to €96,255
Key points
from the 2025 annual accountsTurnover
≈ €670,000 estimated
The micro format states no turnover.
Debts
€283,824 93% of the balance sheet
Financial debts 5%Suppliers 30%Taxes and wages 9%Other 56%
Of this, €269,379 falls due within a year.
Liquidity
0.98 was 1.54 in 2024
Short-term debts rose from €129,178 to €269,379.
Filings
9 annual accounts 5 late
The 2019 accounts came latest: 68 days after the end of the period.
Position in the sector
€220,454
Higher gross margin than 92% of companies in retail trade. Sector median €34,181 · 22,845 companies.
Checked score
80
Excellent
Financially stronger than 36% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,271 companies (NACE 47, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025
08-2025: 0.8%▲ +0.4 percentage points vs 07-2025highest value
09-2025: 0.2%▼ -0.6 percentage points vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026lowest value
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.3 percentage points vs 07-2026
09-2026: 0.5%● unchanged vs 08-2026
10-2026: 0.5%● unchanged vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
Equity €22,881 (7.5% of total assets)
lowers risk
Size: total assets €306,705
Liquidity: current ratio 0.98, cash €96,255
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 25% of them on solvency, 38% on liquidity, 73% on profitability and 7% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,325 companies had the same profile as OPTIC Waremme has now. Each dot stands for 4 companies, two years later.
95.2%
were still trading
3.2%
stopped another way
1.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of OPTIC Waremme itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 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.
| 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 1,325 companies, not a prediction for OPTIC Waremme. 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 of up to €1,500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.98 (1.54 in 2024), below 1. Short-term debt is 87.8% and cash 31.4% of total assets. 92.5% of the assets are financed with debt and provisions.
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
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 9 filingsDeviation from the deadline
2025
27 days late
2024
1 day late
2023
14 days early
2022
34 days early
2021
13 days early
2020
4 days early
2019
68 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 4 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 18 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0662699743
2 directors resigning, 2 reappointments
Resignations: BAUDINET Georges Fernand Armand Eugène (managing director) and BAUDINET Sébastien Dominique Marianne Georges (managing director) · Reappointments: BAUDINET Georges Fernand Armand Eugène (director) and BAUDINET Sébastien Dominique Marianne Georges (director) · Legal-form conversion: from cooperative company to private limited company · General meeting of 04-10-2022 · Gazette deed
Incorporation
published on 21-09-2016 · Gazette deed
First establishment
Chaussée Romaine 222, Waremme
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| OPTIC Waremme Waremme | €306,705 | €220,454 | 7.5% | - |
| Alice Eyewear Ghent | €301,523 | €243,932 | 42.2% | 3.2 |
| BRILLE KOONEN EUPEN Eupen | €308,483 | €235,778 | 13.7% | - |
| EUPTIQUE Eupen | €370,815 | €322,062 | 14.0% | 3.4 |
| BULTIA OPTIC Ham-sur-Heure-Nalinnes | €328,516 | €224,535 | -4.3% | - |
| OPTIC MIDI Molenbeek-Saint-Jean | €322,064 | €172,484 | 41.8% | - |
| Oogcontact Leuven | €243,946 | €229,708 | 38.3% | - |
These companies have the same main activity as OPTIC Waremme: retail sale of prescription glasses, lenses and sunglasses (NACE 47742). They are comparable in size and age: total assets between €244,000 and €371,000, founded between 2014 and 2017.
Official details
Source: KBO- Status
- Active since 19-09-2016Normal situation
- Activity
- Retail sale of prescription glasses, lenses and sunglassesNACE 47742
- Joint committee
- 201Independent retail · annual accounts 2021
- Establishment unit
- 2.258.895.7154300 Waremme, since 19-09-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 09-10-2025
Insights on OPTIC Waremme
OPTIC Waremme files the micro format. That format states no turnover. The gross margin rose from €65,982 in 2017 to €220,454 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about OPTIC Waremme
- What is the company number of OPTIC Waremme?
- The company number of OPTIC Waremme is 0662.699.743. The VAT number is the same number with BE in front: BE 0662.699.743.
- Where is OPTIC Waremme based?
- The registered office is at Chaussée Romaine 222, 4300 Waremme.Company details
- What does OPTIC Waremme do?
- According to the KBO register, the main activity is retail sale of prescription glasses, lenses and sunglasses (NACE 47742).
- What is the legal form of OPTIC Waremme?
- OPTIC Waremme is a private limited company (BV).
- When was OPTIC Waremme founded?
- OPTIC Waremme was founded on 19-09-2016.
- Is OPTIC Waremme still active?
- Yes, OPTIC Waremme is an active enterprise in the KBO register.
- How many employees does OPTIC Waremme have?
- OPTIC Waremme had an average of 2.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does OPTIC Waremme fall under?
- In its 2021 annual accounts, OPTIC Waremme states joint committee 201 (Independent retail).
- What is the turnover of OPTIC Waremme?
- The turnover in financial year 2025 is ≈ €670,000. This figure is estimated from the gross margin of €220,454 and 31 comparable companies (NACE 477). It probably lies between €470,000 and €1.3m.
- Is OPTIC Waremme profitable?
- In financial year 2025, OPTIC Waremme made a profit of €29,887.
- Where can I find the annual accounts of OPTIC Waremme?
- OPTIC Waremme filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of OPTIC Waremme due?
- OPTIC Waremme must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.