OPTICAL
ActiveOPTICAL has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €411k and a net result of €107k. Equity is growing by ~18.3% per year across the filed fiscal years. Its solvency ranks better than 35% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency38▲+8
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.48 against 0.29 in 2024), and 68.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
31.1%
Return on assets
8.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 18-11-2025, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
28 d early
2023
54 d early
2022
53 d early
2021
38 d early
2020
66 d early
2019
78 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-05-2026 and is due by 31-12-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-05-2026 close14-09-2026 today31-12-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€411k▲ 35.3%
2024 · €304k
2019: €166k
2020: €133k
2021: €159k
2022: €182k
2023: €215k
2024: €304k
2019 → 2025
Total assets
€1.32M▲ 17.7%
2024 · €1.13M
2019: €208k
2020: €182k
2021: €175k
2022: €196k
2023: €1.12M
2024: €1.13M
2019 → 2025
Net result
€107k▲ 21.0%
2024 · €89k
2019: €7k
2020: €-13k
2021: €26k
2022: €23k
2023: €33k
2024: €89k
2019 → 2025
Working capital
€-279k▲ 2.1%
2024 · €-285k
2019: €106k
2020: €88k
2021: €128k
2022: €142k
2023: €-290k
2024: €-285k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€159k-€182k▲ 14.7%€215k▲ 18.3%€304k▲ 41.3%€411k▲ 35.3%
Operating result€33k-€43k▲ 30.9%€57k▲ 31.6%€184k▲ 224%€173k▼ 6.1%
Net result€26k-€23k▼ 9.7%€33k▲ 42.4%€89k▲ 167%€107k▲ 21.0%
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 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.32M
Fixed assets
€1.07M▲ 6.1%
Current assets
€257k▲ 115%
Equity and liabilities €1.32M
Equity
€411k▲ 35.3%
Debt
€913k▲ 11.2%
The debt ratio falls from 73.0% to 68.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€205k▲
2024 · €200k
Cash flow
€139k▲
2024 · €104k
Solvency
31.1%▲
2024 · 27.0%
Current ratio
0.48▲
2024 · 0.29
Quick ratio
0.48▲
2024 · 0.29
Debt / equity
2.22▼
2024 · 2.70
ROE
26.1%▼
2024 · 29.2%
ROA
8.1%▲
2024 · 7.9%
Interest coverage
5.00▼
2024 · 5.93
Debt
€913k▲
2024 · €821k
Debt ≤ 1 year
€536k▲
2024 · €404k
Debt > 1 year
€361k▼
2024 · €407k
Income taxes
€25k▼
2024 · €63k
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€1.13M€1.32M▲
Fixed assets21/28€1.01M€1.07M▲
Tangible fixed assets22/27€36k€98k▲
Land and buildings22€15k€11k▼
Plant, machinery and equipment23€20k€17k▼
Furniture and vehicles24€1k€69k▲
Financial fixed assets28€970k€970k=
Current assets29/58€119k€257k▲
Amounts receivable within one year40/41€212€127k▲
Trade receivables40€212€1k▲
Other amounts receivable41-€125k
Cash at bank and in hand54/58€109k€130k▲
Deferred charges and accrued income490/1€10k-
Equity and liabilities
Total equity and liabilities10/49€1.13M€1.32M▲
Equity10/15€304k€411k▲
Contributions10/11€19k€19k=
Reserves13€172k€279k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€170k€278k▲
Profit (loss) carried forward14€113k€113k=
Amounts payable17/49€821k€913k▲
Amounts payable after more than one year17€407k€361k▼
Financial debts170/4€407k€361k▼
Amounts payable within one year42/48€404k€536k▲
Current portion of amounts payable after more than one year42€86k€103k▲
Trade debts44€3k€10k▲
Suppliers440/4€3k€10k▲
Taxes, remuneration and social security45€25k€33k▲
Taxes450/3€25k€27k▲
Remuneration and social security454/9€302€6k▲
Other amounts payable47/48€290k€390k▲
Accrued charges and deferred income492/3€10k€16k▲
Income statement
Code20242025
Non-recurring operating income76A-€17k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€32k▲
Other operating charges640/8€2k€7k▲
Gross operating margin9900€201k€212k▲
Operating profit (loss)9901€184k€173k▼
Financial income75/76B€1k€1▼
Recurring financial income75€0€1▲
Non-recurring financial income76B€1k-
Financial charges65/66B€34k€41k▲
Recurring financial charges65€34k€41k▲
Profit (loss) for the period before taxes9903€152k€132k▼
Income taxes67/77€63k€25k▼
Profit (loss) for the period9904€89k€107k▲
Profit (loss) for the period to be appropriated9905€89k€107k▲
Appropriation of the result
Profit (loss) to be appropriated9906€201k€221k▲
Profit (loss) brought forward from the previous period14P€112k€113k▲
Transfer to equity691/2€88k€107k▲
To other reserves6921€88k€107k▲
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
2025
18-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-05
Financial
Highest result since 2019net €107k ▲21%
Net result €107k, the highest in the series.
2024
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
07-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-05
Financial
Equity above €200kEq €215k ▲18.3%
3 profitable years in a row build equity to €215k.
2022
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
23-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-05
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
31-05
Financial
Liquidity triplescurrent ratio 8.60
Current ratio from 2.83 to 8.60; short-term debt falls from €48k to €17k.
31-05
Financial
Equity above €150kEq €159k ▲19.5%
Equity rises from €133k to €159k.
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-05
Financial
Weakest financial yearnet €-13k ▼281%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
2019
14-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
06-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
08-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Sint-Niklaas · 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.
Zamanstraat 669100 Sint-NiklaasGround area
1,138 m²
Building footprint
962 m²
Volume, LiDAR
17,754 m³
2 parcels, Flanders · tallest building 29.0 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
OPTICAL
since 19962.074.677.372
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D2709/00K008 | Flanders | 740 m² | 1 · 611 m² | 29.0 m · 9 fl. |
| 46443E0360/00W006 | Flanders | 398 m² | 1 · 351 m² | 20.3 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,423 companies in sector 82990 we hold annual accounts for 9,361. 6,118 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-1995
Fiscal year end31-05
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.