OPTIEK GEERTRUI
ActiveOPTIEK GEERTRUI has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €473k and a net result of €87k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 82% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (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
Profitability86▲+7
Solvency99▲+2
Growth74=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 6.21 against 6.28 in 2024; short-term debt: 15.5% and cash: 86.2% of total assets), and 26.3% 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
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
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
73.7%
Return on assets
13.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
4 d early
2023
1 d early
2022
on the day
2021
1 d late
2020
on the day
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€381k▲ 22.8%
2020 · €311k
2018: €289k
2019: €299k
2020: €311k
2018 → 2021
EBIT margin
12.9%▲ 5.7pp
2020 · 7.2%
2018: 5.8%
2019: 5.1%
2020: 7.2%
2018 → 2021
Net result
€87k▲ 103%
2024 · €43k
2018: €14k
2019: €9k
2020: €16k
2021: €36k
2022: €52k
2023: €52k
2024: €43k
2018 → 2025
Working capital
€519k▲ 23.8%
2024 · €419k
2018: €109k
2019: €144k
2020: €160k
2021: €226k
2022: €295k
2023: €359k
2024: €419k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€381k-
Equity€238k-€290k▲ 22.1%€342k▲ 18.1%€385k▲ 12.6%€473k▲ 22.6%
Operating result€49k-€79k▲ 60.3%€81k▲ 2.7%€67k▼ 17.6%€133k▲ 99.4%
Net result€36k-€52k▲ 46.8%€52k▲ 0.2%€43k▼ 18.1%€87k▲ 103%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 99% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €641k
Fixed assets
€22k▼ 35.8%
Current assets
€619k▲ 24.0%
Equity and liabilities €641k
Equity
€473k▲ 22.6%
Debt
€168k▲ 13.6%
The debt ratio falls from 27.8% to 26.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€154k▲
2024 · €88k
Cash flow
€108k▲
2024 · €64k
Solvency
73.7%▲
2024 · 72.2%
Current ratio
6.21▼
2024 · 6.28
Quick ratio
5.55▲
2024 · 5.54
Debt / equity
0.36▼
2024 · 0.38
ROE
18.5%▲
2024 · 11.2%
ROA
13.6%▲
2024 · 8.1%
Interest coverage
50.15▲
2024 · 33.18
Debt
€168k▲
2024 · €148k
Debt ≤ 1 year
€100k▲
2024 · €79k
Debt > 1 year
€69k=
2024 · €69k
Income taxes
€47k▲
2024 · €23k
Staff costs
€36k▲
2024 · €34k
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€534k€641k▲
Fixed assets21/28€35k€22k▼
Tangible fixed assets22/27€35k€22k▼
Land and buildings22€24k€14k▼
Plant, machinery and equipment23€6k-
Furniture and vehicles24€5k€8k▲
Current assets29/58€499k€619k▲
Stocks and contracts in progress3€58k€66k▲
Stocks30/36€58k€66k▲
Amounts receivable within one year40/41-€473
Trade receivables40-€282
Other amounts receivable41-€191
Cash at bank and in hand54/58€441k€553k▲
Equity and liabilities
Total equity and liabilities10/49€534k€641k▲
Equity10/15€385k€473k▲
Contributions10/11€19k€19k=
Reserves13€367k€454k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€365k€454k▲
Amounts payable17/49€148k€168k▲
Amounts payable after more than one year17€69k€69k=
Financial debts170/4€69k€69k=
Amounts payable within one year42/48€79k€100k▲
Financial debts43€3k€4k▲
Other loans439€3k€4k▲
Trade debts44€42k€15k▼
Suppliers440/4€42k€15k▼
Taxes, remuneration and social security45€19k€51k▲
Taxes450/3€13k€45k▲
Remuneration and social security454/9€6k€6k▼
Other amounts payable47/48€15k€30k▲
Income statement
Code20242025
Remuneration, social security and pensions62€34k€36k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€124k€194k▲
Operating profit (loss)9901€67k€133k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€66k€134k▲
Income taxes67/77€23k€47k▲
Profit (loss) for the period9904€43k€87k▲
Profit (loss) for the period to be appropriated9905€43k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€43k€87k▲
Transfer to equity691/2€43k€87k▲
To other reserves6921€43k€87k▲
The notes to these accounts (6 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €87k ▲103%
Operating result €133k, net result €87k, both a record.
26-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €200kEq €202k ▲8.9%
3 profitable years in a row build equity to €202k.
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €9k ▼30.1%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 37 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, Wichelen · 1 establishment unit since 2001
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.
Wettersestraat 89260 WichelenGround area
870 m²
Building footprint
219 m²
Volume, LiDAR
1,086 m³
Parcel 42018A0528/00G002, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Wettersestraat 8, 9260 Wichelen
since 20012.116.334.419
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42018A0528/00G002 | Flanders | 870 m² | 1 · 219 m² | 9.9 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
OPTIEK TOM DE BRUYNE
BE 0873.586.849
Hoogstraten · Eq €474k
OPTIQUE MARIE KLEIN
BE 0806.015.758
Nivelles · Eq €474k
DIVALO SERVICES
BE 0452.824.803
Aalter · Eq €470k
Bodart Opticiens
BE 0407.904.794
Brussel · Eq €476k
Optique Leclercq
BE 0416.959.547
Wavre · Eq €468k
Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 823 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2001
Fiscal year end30-09
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.