OPTICLUB
ActiveSummary
OPTICLUB has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €608,573 and a net result of €137,842. Equity is growing by ~40.5% per year across the filed fiscal years. Its solvency ranks better than 84% of 8161 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability91▼-2
Solvency100▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55,000 at 30 days acceptable
Liquidity ample (current ratio 5.87 against 3.53 in 2024; short-term debt: 13.4% and cash: 32.6% of total assets), and 19.9% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
80.1%
Return on assets
18.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
36 d early
2023
40 d early
2022
56 d early
2021
46 d early
2020
52 d early
2019
52 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 47 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 15 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€608,573▲ 21.7%
2024 · €499,973
Total assets
€759,362▲ 7.2%
2024 · €708,551
Net result
€137,842▲ 1.8%
2024 · €135,398
Working capital
€493,908▲ 48.9%
2024 · €331,670
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€75,276▼ 47.7%€109,723▲ 45.8%€130,281▲ 18.7%€197,950▲ 51.9%€192,588▼ 2.7%
Net result€46,519above the sector's middle half▼ 55.4%€76,285within the sector's middle half▲ 64.0%€87,702within the sector's middle half▲ 15.0%€135,398within the sector's middle half▲ 54.4%€137,842above the sector's middle half▲ 1.8%
Equity€188,197above the sector's middle half▲ 5.2%€276,874within the sector's middle half▲ 47.1%€364,576within the sector's middle half▲ 31.7%€499,973within the sector's middle half▲ 37.1%€608,573within the sector's middle half▲ 21.7%
Total assets€441,823above the sector's middle half▲ 6.8%€493,801below the sector's middle half▲ 11.8%€562,360below the sector's middle half▲ 13.9%€708,551within the sector's middle half▲ 26.0%€759,362within the sector's middle half▲ 7.2%
Debt€253,626▲ 8.1%€216,927▼ 14.5%€197,784▼ 8.8%€208,578▲ 5.5%€150,789▼ 27.7%
Working capital€38,908within the sector's middle half▼ 48.8%€119,504within the sector's middle half▲ 207%€200,428within the sector's middle half▲ 67.7%€331,670within the sector's middle half▲ 65.5%€493,908within the sector's middle half▲ 48.9%
Solvency42.6%within the sector's middle half▼ 0.7pp56.1%within the sector's middle half▲ 13.5pp64.8%within the sector's middle half▲ 8.8pp70.6%above the sector's middle half▲ 5.7pp80.1%above the sector's middle half▲ 9.6pp
Current ratio1.40within the sector's middle half▼ 0.992.38within the sector's middle half▲ 0.993.15within the sector's middle half▲ 0.763.53above the sector's middle half▲ 0.385.87above the sector's middle half▲ 2.34
Return on assets (ROA)10.5%within the sector's middle half▼ 14.7pp15.4%above the sector's middle half▲ 4.9pp15.6%above the sector's middle half▲ 0.1pp19.1%above the sector's middle half▲ 3.5pp18.2%above the sector's middle half▼ 1.0pp
Staff (FTE)2▼ 20.0%2within the sector's middle half=2within the sector's middle half=2within the sector's middle half=2within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €759,362
Fixed assets
€163,967 ▼ 33.3%
Current assets
€595,395 ▲ 28.6%
Equity and liabilities €759,362
Equity
€608,573 ▲ 21.7%
Debt
€150,789 ▼ 27.7%
Debt's share of the balance-sheet total falls from 29.4% to 19.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€263,370▼
2024 · €272,008
Cash flow
€208,625▼
2024 · €209,455
Quick ratio
5.46▲
2024 · 3.17
Debt to equity
0.25▼
2024 · 0.42
ROE
22.7%▼
2024 · 27.1%
Interest coverage
68.53▲
2024 · 55.78
Debt ≤ 1 year
€101,487▼
2024 · €131,141
Debt > 1 year
€49,302▼
2024 · €77,436
Income taxes
€62,137▲
2024 · €59,041
Staff costs
€176,248▲
2024 · €141,178
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,370 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,370 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €21,298 | €5,440 | - | €3,485 | - |
| Remuneration, social security and pensions62 | €119,758 | €125,964 | €136,458 | €141,178 | €176,248 | ▲ 24.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €66,795 | €57,982 | €70,885 | €74,057 | €70,783 | ▼ 4.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €1,655 | €2,703 | €2,321 | €2,231 | €2,358 | ▲ 5.7% |
| Other operating charges640/8 | €7,630 | €2,346 | €6,377 | €2,697 | €2,516 | ▼ 6.7% |
| Gross operating margin9900 | €271,114 | €298,718 | €346,322 | €418,114 | €444,492 | ▲ 6.3% |
| Operating profit (loss)9901 | €75,276 | €109,723 | €130,281 | €197,950 | €192,588 | ▼ 2.7% |
| Financial income75/76B | - | €376 | €1,146 | €1,365 | €11,235 | ▲ 723% |
| Recurring financial income75 | - | €376 | €1,146 | €1,365 | €11,235 | ▲ 723% |
| Financial charges65/66B | €7,447 | €6,537 | €5,963 | €4,876 | €3,843 | ▼ 21.2% |
| Recurring financial charges65 | €7,447 | €6,537 | €5,963 | €4,876 | €3,843 | ▼ 21.2% |
| Profit (loss) for the period before taxes9903 | €67,829 | €103,562 | €125,463 | €194,439 | €199,980 | ▲ 2.8% |
| Income taxes67/77 | €21,310 | €27,277 | €37,761 | €59,041 | €62,137 | ▲ 5.2% |
| Profit (loss) for the period9904 | €46,519 | €76,285 | €87,702 | €135,398 | €137,842 | ▲ 1.8% |
| Profit (loss) for the period to be appropriated9905 | €46,519 | €76,285 | €87,702 | €135,398 | €137,842 | ▲ 1.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €441,823 | €493,801 | €562,360 | €708,551 | €759,362 | ▲ 7.2% |
| Fixed assets21/28 | €305,060 | €288,003 | €268,681 | €245,740 | €163,967 | ▼ 33.3% |
| Tangible fixed assets22/27 | €304,479 | €287,423 | €268,101 | €245,159 | €163,386 | ▼ 33.4% |
| Land and buildings22 | €12,510 | €9,072 | €36,620 | €34,954 | €33,288 | ▼ 4.8% |
| Plant, machinery and equipment23 | €39,510 | €29,940 | €21,097 | €53,847 | €42,609 | ▼ 20.9% |
| Furniture and vehicles24 | €122,859 | €140,411 | €123,984 | €91,558 | €44,290 | ▼ 51.6% |
| Leasing and similar rights25 | €129,600 | €108,000 | €86,400 | €64,800 | €43,200 | ▼ 33.3% |
| Financial fixed assets28 | €581 | €581 | €581 | €581 | €581 | = |
| Current assets29/58 | €136,764 | €205,798 | €293,678 | €462,811 | €595,395 | ▲ 28.6% |
| Stocks and contracts in progress3 | €67,582 | €58,041 | €44,634 | €47,174 | €41,061 | ▼ 13.0% |
| Stocks30/36 | €67,582 | €58,041 | €44,634 | €47,174 | €41,061 | ▼ 13.0% |
| Amounts receivable within one year40/41 | €3,117 | €29,062 | €14,390 | €5,159 | €5,499 | ▲ 6.6% |
| Trade receivables40 | - | €1,000 | - | - | - | - |
| Other amounts receivable41 | €3,117 | €28,062 | €14,390 | €5,159 | €5,499 | ▲ 6.6% |
| Current investments50/53 | - | - | - | €250,000 | €296,901 | ▲ 18.8% |
| Cash at bank and in hand54/58 | €63,139 | €115,679 | €230,597 | €156,475 | €247,502 | ▲ 58.2% |
| Deferred charges and accrued income490/1 | €2,926 | €3,015 | €4,058 | €4,003 | €4,432 | ▲ 10.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €441,823 | €493,801 | €562,360 | €708,551 | €759,362 | ▲ 7.2% |
| Equity10/15 | €188,197 | €276,874 | €364,576 | €499,973 | €608,573 | ▲ 21.7% |
| Contributions10/11 | €6,200 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €181,997 | €258,282 | €345,984 | €481,381 | €589,981 | ▲ 22.6% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | €180,138 | €256,423 | €344,125 | €479,522 | €588,122 | ▲ 22.6% |
| Amounts payable17/49 | €253,626 | €216,927 | €197,784 | €208,578 | €150,789 | ▼ 27.7% |
| Amounts payable after more than one year17 | €155,770 | €130,633 | €104,534 | €77,436 | €49,302 | ▼ 36.3% |
| Financial debts170/4 | €155,770 | €130,633 | €104,534 | €77,436 | €49,302 | ▼ 36.3% |
| Amounts payable within one year42/48 | €97,856 | €86,294 | €93,250 | €131,141 | €101,487 | ▼ 22.6% |
| Current portion of amounts payable after more than one year42 | €24,211 | €25,137 | €26,099 | €27,098 | €28,134 | ▲ 3.8% |
| Trade debts44 | €34,874 | €37,096 | €37,612 | €62,508 | €40,887 | ▼ 34.6% |
| Suppliers440/4 | €34,874 | €37,096 | €37,612 | €62,508 | €40,887 | ▼ 34.6% |
| Taxes, remuneration and social security45 | €28,551 | €24,060 | €29,539 | €41,536 | €32,465 | ▼ 21.8% |
| Taxes450/3 | €7,425 | €8,884 | €5,192 | €24,567 | €12,248 | ▼ 50.1% |
| Remuneration and social security454/9 | €21,126 | €15,176 | €24,347 | €16,969 | €20,218 | ▲ 19.1% |
| Other amounts payable47/48 | €10,220 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €46,519 | €76,285 | €87,702 | €135,398 | €137,842 | ▲ 1.8% |
| + Depreciation and write-downs630 | €66,795 | €57,982 | €70,885 | €74,057 | €70,783 | ▼ 4.4% |
| Operating cash flow (approximation) | €113,315 | €134,267 | €158,586 | €209,455 | €208,625 | ▼ 0.4% |
| Investment in fixed assets (approximation) | - | -€40,926 | -€51,563 | -€51,116 | €10,990 | ▲ 122% |
| Change in cash | - | €52,540 | €114,918 | -€74,122 | €91,026 | ▲ 223% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €137,842 ▲1.8%
Net result €137,842, the highest in the series.
31-12
Financial
Equity above €500,000Eq €608,573 ▲21.7%
8 profitable years in a row build equity to €608,573.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200,000Eq €276,874 ▲47.1%
5 profitable years in a row build equity to €276,874.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150,000Eq €178,904 ▲140%
3 profitable years in a row build equity to €178,904.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €29,243 ▼13.9%
Net result drops to €29,243, the lowest in the series; recovery starts the following year.
Show earlier events
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Beveren · 1 establishment unit since 1994
Ground area
385 m²
Building footprint
220 m²
Volume, LiDAR
2,225 m³
Parcel 46502D0231/00R000, Flanders · tallest building 19.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
OPTICLUB
since 19942.068.498.373
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46502D0231/00R000 | Flanders | 385 m² | 1 · 220 m² | 19.4 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 250 companies in sector 46432 we hold annual accounts for 172. 118 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-04-1994
Fiscal year end31-12
Activities, NACEBEL 2025
46432Wholesale trade
47742Retail sale of prescription glasses, lenses and sunglasses
E-invoicing
Reachable via Peppol
Peppol ID
0208:0452617935
Also
9925:BE0452617935
Registered
05-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.