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OPTIEK ILSE GERARD

Active
Private limited companyfounded 2001active for 25 yearsKoolmijnlaan 237, 3582 Beringen, BelgiumKBO/BCE: BE 0473.755.423
Summary

OPTIEK ILSE GERARD has been active since 2001 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €840,101 and a net result of €149,475. Equity has been growing by about 9.9% per year since 2019. Its solvency ranks better than 90% of 22,726 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 09-01-2001 Normal situation
Activity
Retail sale of prescription glasses, lenses and sunglasses NACE 47742
Establishment unit
2.101.217.562 3582 Beringen, since 19-02-2001
Financial year end
30 September
Peppol
Reachable

Board and ownership

Financial position

98 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts to 30-09-2025
Gross margin
€236,230
▲ 13.4%
Turnover
≈ €750,000
estimated
Profit
€149,475
▲ 19.6%
Equity
€840,101
▲ 12.7%
Total assets
€1.0m
▲ 10.3%
Filed on 09-03-2026, 52 days before the deadline
Score breakdownraises riskSector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 5.73, cash €762,298Equity €840,101 (83.0% of total assets)Founded in 2001Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 83% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 83.0% of total assets
Liquidity 96+1
short-term debt 17.0% · cash 75.3%
Profitability 87+1
return on assets 14.8%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026highest value 05-2026: < 0.1%● unchanged vs 04-2026highest value 06-2026: < 0.1%● unchanged vs 05-2026highest value 07-2026: < 0.1%● unchanged vs 06-2026highest value 08-2026: < 0.1%● unchanged vs 07-2026highest value 09-2026: < 0.1%● unchanged vs 08-2026highest value 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €80,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.73 (5.01 in 2024), above the usual 1.5. Short-term debt is 17% and cash 75.3% of total assets. 17% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 92% of them on solvency, 95% on liquidity, 82% on profitability and 64% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 5.73, cash €762,298
NBB · annual accounts
lowers risk · Equity €840,101 (83.0% of total assets)
NBB · annual accounts
lowers risk · Founded in 2001
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
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 09-03-2026, 52 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
52 days early
2024
40 days early
2023
39 days early
2022
51 days early
2021
37 days early
2020
50 days early
2019
34 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 43 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 21 March (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-09-2026 year end02-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher net result than 95% of companies in retail tradesector median €5,089 · 22,707 companies €149,475 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €149,475 7 years View

Recent changes

  1. · Gazette deed Changes of role: GERARD Ilse (director) and VANDEWOUWER Guido Johan Eddy (director)
All 14 events

Comparable companies

These companies have the same main activity as OPTIEK ILSE GERARD: retail sale of prescription glasses, lenses and sunglasses (NACE 47742). They are comparable in size and age: total assets between €862,000 and €1.1m, founded between 1997 and 2005.

CompanyTotal assetsGross margin
OPTIEK ILSE GERARD Beringen€1.0m€0.2m
Juwelier V. Coens Brugge€1.1m€0.2m
BELLE OPTIK Sankt Vith€0.9m€0.3m
EYESAVER Herentals€0.9m€0.2m
OPTIVAN Lommel€1.1m€0.2m
OPTIEK STEPHAN TRUYERS Houthalen-Helchteren€1.0m€0.2m
JO-VE Lommel€0.9m€0.2m
Full comparison

Key facts about OPTIEK ILSE GERARD

What is the company number of OPTIEK ILSE GERARD?
The company number of OPTIEK ILSE GERARD is 0473.755.423. The VAT number is the same number with BE in front: BE 0473.755.423.
Where is OPTIEK ILSE GERARD based?
The registered office is at Koolmijnlaan 237, 3582 Beringen.Company details
What does OPTIEK ILSE GERARD do?
According to the KBO register, the main activity is retail sale of prescription glasses, lenses and sunglasses (NACE 47742).
What is the legal form of OPTIEK ILSE GERARD?
The legal form of OPTIEK ILSE GERARD is Private limited company (BV).
When was OPTIEK ILSE GERARD founded?
OPTIEK ILSE GERARD was founded on 09-01-2001.
Is OPTIEK ILSE GERARD still active?
Yes, OPTIEK ILSE GERARD is an active enterprise in the KBO register.
What is the turnover of OPTIEK ILSE GERARD?
The turnover in financial year 2025 is ≈ €750,000. This figure is estimated from the gross margin of €236,230 and 32 comparable companies (NACE 477). It probably lies between €510,000 and €1.5m.Financials
Is OPTIEK ILSE GERARD profitable?
In financial year 2025, OPTIEK ILSE GERARD made a profit of €149,475.
Where can I find the annual accounts of OPTIEK ILSE GERARD?
OPTIEK ILSE GERARD filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of OPTIEK ILSE GERARD due?
OPTIEK ILSE GERARD must file the annual accounts for financial year 2026 by 30-04-2027.Timeline

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