OPTIEK 33
ActiveOPTIEK 33 has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €16k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 84% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-3
Solvency100▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.71 against 2.81 in 2024; short-term debt: 24.4% and cash: 57.3% of total assets), and 24.4% 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+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
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 · 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
75.6%
Return on assets
12%
Age of the figures
9 mo
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
2 d early
2023
31 d late
2022
31 d late
2021
30 d late
2020
1 d early
2019
7 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€101k▲ 18.9%
2024 · €85k
2018: €69k
2019: €80k
2020: €114k
2021: €91k
2022: €100k
2023: €85k
2024: €85k
2018 → 2025
Total assets
€134k▲ 10.5%
2024 · €121k
2018: €93k
2019: €97k
2020: €148k
2021: €128k
2022: €126k
2023: €109k
2024: €121k
2018 → 2025
Net result
€16k▼ 10.5%
2024 · €18k
2018: €-6k
2019: €11k
2020: €34k
2021: €18k
2022: €8k
2023: €2k
2024: €18k
2018 → 2025
Working capital
€89k▲ 35.6%
2024 · €65k
2018: €42k
2019: €61k
2020: €74k
2021: €32k
2022: €56k
2023: €50k
2024: €65k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€100k▲ 9.1%€85k▼ 14.8%€85k▲ 0.5%€101k▲ 18.9%
Operating result€25k-€12k▼ 51.9%€4k▼ 65.9%€28k▲ 583%€24k▼ 13.6%
Net result€18k-€8k▼ 52.8%€2k▼ 71.6%€18k▲ 663%€16k▼ 10.5%
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 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€13k▼ 35.9%
Current assets
€121k▲ 19.6%
Equity and liabilities €134k
Equity
€101k▲ 18.9%
Debt
€33k▼ 9.3%
The debt ratio falls from 29.7% to 24.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▼
2024 · €43k
Cash flow
€27k▼
2024 · €33k
Solvency
75.6%▲
2024 · 70.3%
Current ratio
3.71▲
2024 · 2.81
Quick ratio
2.61▲
2024 · 1.92
Debt / equity
0.32▼
2024 · 0.42
ROE
15.9%▼
2024 · 21.1%
ROA
12.0%▼
2024 · 14.8%
Interest coverage
68.16▼
2024 · 92.39
Debt
€33k▼
2024 · €36k
Debt ≤ 1 year
€33k▼
2024 · €36k
Income taxes
€8k▼
2024 · €10k
Staff costs
€75k▲
2024 · €72k
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€121k€134k▲
Fixed assets21/28€20k€13k▼
Intangible fixed assets21€1k€796▼
Tangible fixed assets22/27€19k€12k▼
Plant, machinery and equipment23€5k€881▼
Furniture and vehicles24€8k€7k▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€5€5=
Current assets29/58€101k€121k▲
Stocks and contracts in progress3€32k€36k▲
Stocks30/36€32k€36k▲
Amounts receivable within one year40/41€7k€8k▲
Trade receivables40€3k€4k▲
Other amounts receivable41€3k€3k▼
Cash at bank and in hand54/58€62k€77k▲
Deferred charges and accrued income490/1€852€867▲
Equity and liabilities
Total equity and liabilities10/49€121k€134k▲
Equity10/15€85k€101k▲
Contributions10/11€2k€2k=
Reserves13€83k€99k▲
Distributable reserves133€83k€99k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€36k€33k▼
Amounts payable within one year42/48€36k€33k▼
Trade debts44€14k€13k▼
Suppliers440/4€14k€13k▼
Taxes, remuneration and social security45€20k€17k▼
Taxes450/3€11k€8k▼
Remuneration and social security454/9€9k€9k▲
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Remuneration, social security and pensions62€72k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€11k▼
Other operating charges640/8€949€2k▲
Gross operating margin9900€115k€111k▼
Operating profit (loss)9901€28k€24k▼
Financial income75/76B€592€328▼
Recurring financial income75€592€328▼
Financial charges65/66B€460€508▲
Recurring financial charges65€460€508▲
Profit (loss) for the period before taxes9903€28k€24k▼
Income taxes67/77€10k€8k▼
Profit (loss) for the period9904€18k€16k▼
Profit (loss) for the period to be appropriated9905€18k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€16k▼
Transfer from equity791/2€18k€0▼
Transfer to equity691/2€18k€16k▼
To other reserves6921€18k€16k▼
Profit to be distributed694/7€18k€0▼
Return on contributions (dividend)694€18k€0▼
The notes to these accounts (11 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €101k ▲18.9%
7 profitable years in a row build equity to €101k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €34k ▲207%
Operating result €48k, net result €34k, both a record.
31-12
Financial
Equity above €100kEq €114k ▲41.9%
2 profitable years in a row build equity to €114k.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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, Sint-Niklaas · 1 establishment unit since 1982
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.
Hofstraat 619100 Sint-NiklaasGround area
78 m²
Building footprint
86 m²
Volume, LiDAR
560 m³
Parcel 46447B0460/00T008, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OPTIEK 33
since 19822.020.072.609
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46447B0460/00T008 | Flanders | 78 m² | 1 · 86 m² | 10.6 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.
Similar companies · same sector, comparable size
L’ŒIL DU PERRON
BE 0780.567.809
Theux · Eq €101k
OPTIQUE PONCIN
BE 0473.848.265
Malmedy · Eq €101k
IMAGE TRANSFER INDUSTRIES
BE 0418.397.424
Ukkel · Eq €102k
OPTIEK SORET
BE 0442.316.535
Sint-Pieters-Leeuw · Eq €101k
OPTIQUE FURNAL
BE 0431.344.548
Les Bons Villers · Eq €101k
Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 996 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1982
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.