OPTICIENS GERVY
ActiveOPTICIENS GERVY has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €148k and a net result of €12k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 78% of 26049 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▼-18
Solvency92▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.91 against 5.27 in 2023; short-term debt: 25.1% and cash: 63.5% of total assets), and 32.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-07-2025, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
26 d late
2022
6 d early
2021
17 d late
2020
10 d late
2019
14 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€148k▼ 11.0%
2023 · €166k
2018: €101k
2019: €103k
2020: €115k
2021: €122k
2022: €125k
2023: €166k
2018 → 2024
Total assets
€219k▲ 0.9%
2023 · €217k
2018: €130k
2019: €136k
2020: €170k
2021: €159k
2022: €155k
2023: €217k
2018 → 2024
Net result
€12k▼ 71.8%
2023 · €42k
2018: €-7k
2019: €3k
2020: €13k
2021: €7k
2022: €10k
2023: €42k
2018 → 2024
Working capital
€105k▼ 12.0%
2023 · €119k
2018: €83k
2019: €94k
2020: €102k
2021: €116k
2022: €124k
2023: €119k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€115k-€122k▲ 6.2%€125k▲ 2.1%€166k▲ 33.4%€148k▼ 11.0%
Operating result€16k-€10k▼ 36.3%€14k▲ 33.3%€49k▲ 255%€18k▼ 64.1%
Net result€13k-€7k▼ 45.7%€10k▲ 35.1%€42k▲ 334%€12k▼ 71.8%
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 2024; 2024 is 64% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €219k
Fixed assets
€59k▼ 15.3%
Current assets
€160k▲ 8.7%
Equity and liabilities €219k
Equity
€148k▼ 11.0%
Provisions
€0▼ 100%
Debt
€71k▲ 42.6%
The debt ratio rises from 23.0% to 32.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€34k▼
2023 · €58k
Cash flow
€28k▼
2023 · €50k
Solvency
67.5%▼
2023 · 76.5%
Current ratio
2.91▼
2023 · 5.27
Quick ratio
2.55▼
2023 · 4.63
Debt / equity
0.48▲
2023 · 0.30
ROE
7.9%▼
2023 · 25.0%
ROA
5.4%▼
2023 · 19.2%
Interest coverage
21.05▼
2023 · 42.93
Debt
€71k▲
2023 · €50k
Debt ≤ 1 year
€55k▲
2023 · €28k
Debt > 1 year
€16k▼
2023 · €22k
Income taxes
€5k▼
2023 · €8k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€217k€219k▲
Fixed assets21/28€70k€59k▼
Tangible fixed assets22/27€70k€59k▼
Plant, machinery and equipment23€8k€12k▲
Furniture and vehicles24€62k€47k▼
Financial fixed assets28€250€250=
Current assets29/58€147k€160k▲
Stocks and contracts in progress3€18k€20k▲
Stocks30/36€18k€20k▲
Amounts receivable within one year40/41€1k-
Trade receivables40€753-
Other amounts receivable41€250-
Cash at bank and in hand54/58€128k€139k▲
Deferred charges and accrued income490/1€309€1k▲
Equity and liabilities
Total equity and liabilities10/49€217k€219k▲
Equity10/15€166k€148k▼
Contributions10/11€20k€20k=
Reserves13€8k€19k▲
Tax-exempt reserves132€6k€6k=
Distributable reserves133€2k€13k▲
Profit (loss) carried forward14€139k€110k▼
Provisions and deferred taxes16€1k-
Provisions for liabilities and charges160/5€1k-
Environmental obligations163€1k-
Amounts payable17/49€50k€71k▲
Amounts payable after more than one year17€22k€16k▼
Financial debts170/4€22k€16k▼
Amounts payable within one year42/48€28k€55k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€5k€6k▲
Suppliers440/4€5k€6k▲
Taxes, remuneration and social security45€12k€21k▲
Taxes450/3€11k€21k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€5k€22k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€17k▲
Other operating charges640/8€429€462▲
Gross operating margin9900€58k€35k▼
Operating profit (loss)9901€49k€18k▼
Financial income75/76B€1k€826▼
Recurring financial income75€1k€826▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€49k€17k▼
Income taxes67/77€8k€5k▼
Profit (loss) for the period9904€42k€12k▼
Profit (loss) for the period to be appropriated9905€42k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€139k€151k▲
Profit (loss) brought forward from the previous period14P€97k€139k▲
Transfer to equity691/2-€11k
To other reserves6921-€11k
Profit to be distributed694/7-€30k
Directors or managers695-€30k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Highest result since 2018net €42k ▲334%
Operating result €49k, net result €42k, both a record.
31-12
Financial
Equity above €150kEq €166k ▲33.4%
5 profitable years in a row build equity to €166k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
2016
24-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lasne · 1 establishment unit since 2003
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.
Avenue de la Renardière 181380 LasneGround area
1,860 m²
Building footprint
288 m²
Volume, LiDAR
1,362 m³
2 parcels, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GERVY
since 20032.126.944.833
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076B0418/00N002 | Wallonia | 1,545 m² | 1 · 193 m² | 6.8 m · 2 fl. |
| 25091C0832/00_000 | Wallonia | 314 m² | 1 · 95 m² | 11.4 m · 3 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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RIJMENAM OPTICS
BE 0827.556.686
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NEW STUDIO SIMILLION
BE 0417.070.207
Soignies · Eq €148k
FREESTYLE EXTENSIONS
BE 0465.534.969
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TOFFEE
BE 0432.475.884
Gent · Eq €149k
GOBERT VISION
BE 1003.074.030
Knokke-Heist · Eq €150k
Of 1,729 companies in sector 47742 we hold annual accounts for 1,138. 988 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2003
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.