OPTICAL FINANCE BELGIQUE
ActiveThe computed 12-month bankruptcy probability of OPTICAL FINANCE BELGIQUE is 2.8% (moderate). The 2025 annual accounts show negative equity (€-120k) and a net result of €-5k. Equity is shrinking by ~43.9% per year across the filed fiscal years. Its solvency ranks better than 5% of 4157 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
30
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▲+3
Solvency0=
Growth38=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.22 against 0.07 in 2024; short-term debt: 462.9% and cash: 92.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-362.9%
Return on assets
-13.9%
Age of the figures
14 mo
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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-120k
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 05-02-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
17 d early
2023
15 d early
2022
on the day
2021
4 d early
2020
1 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close23-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€61k▼ 14.4%
2019 · €71k
2019: €71k
2019 → 2020
EBIT margin
-61.6%▲ 23.0pp
2019 · -84.6%
2019: -84.6%
2019 → 2020
Net result
€-5k▲ 84.3%
2024 · €-29k
2019: €-61k
2020: €-45k
2021: €56k
2022: €-41k
2023: €-53k
2024: €-29k
2019 → 2025
Working capital
€-120k▼ 4.0%
2024 · €-115k
2019: €801
2020: €-45k
2021: €16k
2022: €-32k
2023: €-86k
2024: €-115k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€-33k€-86k▼ 160%€-115k▼ 34.1%€-120k▼ 4.0%
Operating result€59k-€-39k€-48k▼ 21.0%€-20k▲ 58.0%€4k
Net result€56k-€-41k€-53k▼ 27.5%€-29k▲ 44.7%€-5k▲ 84.3%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €20k in 2024.
Key figures and ratios
Solvency
-362.9%
Current ratio
0.22▲
2024 · 0.07
Quick ratio
0.22▲
2024 · 0.07
Debt / equity
-1.28▼
2024 · -1.07
ROA
-13.9%▲
2024 · -343.9%
Debt
€153k▲
2024 · €124k
Debt ≤ 1 year
€153k▲
2024 · €124k
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€8k€33k▲
Current assets29/58€8k€33k▲
Amounts receivable within one year40/41€3k€2k▼
Trade receivables40€1k€1k=
Other amounts receivable41€1k€920▼
Cash at bank and in hand54/58€6k€31k▲
Equity and liabilities
Total equity and liabilities10/49€8k€33k▲
Equity10/15€-115k€-120k▼
Contributions10/11€150k€150k=
Profit (loss) carried forward14€-265k€-270k▼
Amounts payable17/49€124k€153k▲
Amounts payable within one year42/48€124k€153k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Other amounts payable47/48€118k€149k▲
Income statement
Code20242025
Non-recurring operating income76A-€9k
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-6k€-116k▼
Other operating charges640/8€117€111k▲
Gross operating margin9900€-25k€-1k▲
Operating profit (loss)9901€-20k€4k▲
Financial income75/76B-€112
Recurring financial income75-€112
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€-29k€-5k▲
Profit (loss) for the period9904€-29k€-5k▲
Profit (loss) for the period to be appropriated9905€-29k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-265k€-270k▼
Profit (loss) brought forward from the previous period14P€-236k€-265k▼
The notes to these accounts (2 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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
14-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
24-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-07
Financial
Back to profitnet €56k
Net result €56k after 2 loss-making years.
27-02
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
22-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
15-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
14-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Elsene · 1 establishment unit since 2016
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.
Louizalaan 1431050 ElseneGround area
1,907 m²
Building footprint
1,788 m²
Volume, LiDAR
27,322 m³
Parcel 21807G0089/00A007, Brussels · tallest building 32.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OPTICAL FINANCE
since 20162.269.051.021
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0089/00A007 | Brussels | 1,907 m² | 1 · 1,788 m² | 32.0 m · 2 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.
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NIJS Walter
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Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 437 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-2016
Fiscal year end31-07
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.