OPTICOOP
ActiveOPTICOOP has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €505k and a net result of €28k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 55% of 7892 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
66
/ 100
Healthy▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▲+12
Solvency93▼-3
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.95 against 2.05 in 2024), but 51% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
49%
Return on assets
2.7%
Age of the figures
8 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
Sector 46
higher
← 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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
15 d early
2023
34 d early
2022
53 d late
2021
10 d early
2020
31 d late
2019
88 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€505k▼ 4.5%
2024 · €529k
2018: €659k
2019: €605k
2020: €613k
2021: €637k
2022: €638k
2023: €648k
2024: €529k
2018 → 2025
Total assets
€1.03M▲ 2.4%
2024 · €1.01M
2018: €1.18M
2019: €1.12M
2020: €1.14M
2021: €1.16M
2022: €1.09M
2023: €1.09M
2024: €1.01M
2018 → 2025
Net result
€28k▲ 69.1%
2024 · €17k
2018: €18k
2019: €18k
2020: €30k
2021: €56k
2022: €2k
2023: €10k
2024: €17k
2018 → 2025
Working capital
€479k▼ 1.5%
2024 · €486k
2018: €590k
2019: €595k
2020: €595k
2021: €585k
2022: €590k
2023: €616k
2024: €486k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€637k-€638k▲ 0.3%€648k▲ 1.6%€529k▼ 18.4%€505k▼ 4.5%
Operating result€-38k-€-107k▼ 183%€-92k▲ 14.1%€-80k▲ 12.4%€-66k▲ 18.1%
Net result€56k-€2k▼ 96.8%€10k▲ 447%€17k▲ 65.5%€28k▲ 69.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €66k in 2025 against €80k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.03M
Fixed assets
€45k▼ 23.8%
Current assets
€986k▲ 4.0%
Equity and liabilities €1.03M
Equity
€505k▼ 4.5%
Debt
€526k▲ 9.9%
The debt ratio rises from 47.5% to 51.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-50k▲
2024 · €-60k
Cash flow
€44k▲
2024 · €37k
Solvency
49.0%▼
2024 · 52.5%
Current ratio
1.95▼
2024 · 2.05
Quick ratio
1.95▼
2024 · 2.05
Debt / equity
1.04▲
2024 · 0.90
ROE
5.6%▲
2024 · 3.1%
ROA
2.7%▲
2024 · 1.6%
Interest coverage
-14.52▲
2024 · -18.20
Debt
€526k▲
2024 · €479k
Debt ≤ 1 year
€507k▲
2024 · €461k
Income taxes
€11k▲
2024 · €7k
Staff costs
€97k▲
2024 · €93k
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€1.01M€1.03M▲
Fixed assets21/28€60k€45k▼
Intangible fixed assets21€421€0▼
Tangible fixed assets22/27€50k€36k▼
Furniture and vehicles24€43k€32k▼
Other tangible fixed assets26€7k€4k▼
Financial fixed assets28€9k€9k=
Current assets29/58€948k€986k▲
Amounts receivable within one year40/41€486k€554k▲
Trade receivables40€480k€547k▲
Other amounts receivable41€6k€7k▲
Current investments50/53€250k€250k=
Cash at bank and in hand54/58€179k€174k▼
Deferred charges and accrued income490/1€33k€8k▼
Equity and liabilities
Total equity and liabilities10/49€1.01M€1.03M▲
Equity10/15€529k€505k▼
Contributions10/11€15k€14k▼
Reserves13€514k€492k▼
Distributable reserves133€514k€492k▼
Amounts payable17/49€479k€526k▲
Amounts payable within one year42/48€461k€507k▲
Trade debts44€428k€463k▲
Suppliers440/4€428k€463k▲
Taxes, remuneration and social security45€34k€44k▲
Taxes450/3€18k€26k▲
Remuneration and social security454/9€16k€17k▲
Accrued charges and deferred income492/3€17k€19k▲
Income statement
Code20242025
Remuneration, social security and pensions62€93k€97k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€16k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€34k€48k▲
Operating profit (loss)9901€-80k€-66k▲
Financial income75/76B€111k€108k▼
Recurring financial income75€111k€108k▼
Financial charges65/66B€7k€3k▼
Recurring financial charges65€3k€3k▲
Non-recurring financial charges66B€4k-
Profit (loss) for the period before taxes9903€24k€39k▲
Income taxes67/77€7k€11k▲
Profit (loss) for the period9904€17k€28k▲
Profit (loss) for the period to be appropriated9905€17k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€28k▲
Transfer from equity791/2€132k€50k▼
Transfer to equity691/2€17k€28k▲
To other reserves6921€17k€28k▲
Profit to be distributed694/7€132k€50k▼
Return on contributions (dividend)694€132k€50k▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (12 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
22-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 53 days late
2022
31-12
Financial
Weakest financial yearnet €2k ▼96.8%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
21-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €56k ▲89.2%
Operating result €-38k, net result €56k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 88 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
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-Lievens-Houtem · 1 establishment unit since 1991
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.
Zonnegemdorp 139520 Sint-Lievens-HoutemGround area
479 m²
Building footprint
283 m²
Volume, LiDAR
1,315 m³
Parcel 41080A0250/00D000, Flanders · tallest building 9.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
OPTICOOP
since 19912.054.496.721
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41080A0250/00D000 | Flanders | 479 m² | 1 · 283 m² | 9.2 m · 1 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.
Similar companies · same sector, comparable size
MULTIMARKET
BE 0474.713.149
Herentals · Eq €506k
TRANNEX
BE 0427.133.164
Mont-Saint-Guibert · Eq €508k
KISWE MOBILE
BE 0547.958.839
Hasselt · Eq €502k
GASPART FINANCE
BE 0871.151.159
Rixensart · Eq €495k
OPTIEK PHILIPPE PEETERS
BE 0457.357.671
Boutersem · Eq €492k
Of 248 companies in sector 46432 we hold annual accounts for 170. 120 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded19-02-1991
Fiscal year end31-12
Activities, NACEBEL
46432Wholesale trade
51473
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.