OPTIEK JORY
ActiveOPTIEK JORY has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €236k and a net result of €8k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 9.27 against 18.16 in 2024; short-term debt: 8.8% and cash: 58.6% of total assets), and 8.8% 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
91.2%
Return on assets
3.1%
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
31 d early
2023
27 d early
2022
26 d early
2021
23 d early
2020
11 d early
2019
31 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€236k▲ 3.5%
2024 · €228k
2018: €184k
2019: €187k
2020: €205k
2021: €210k
2022: €216k
2023: €218k
2024: €228k
2018 → 2025
Total assets
€259k▲ 8.8%
2024 · €238k
2018: €210k
2019: €221k
2020: €228k
2021: €255k
2022: €255k
2023: €237k
2024: €238k
2018 → 2025
Net result
€8k▼ 19.8%
2024 · €10k
2018: €23k
2019: €9k
2020: €19k
2021: €13k
2022: €13k
2023: €3k
2024: €10k
2018 → 2025
Working capital
€188k▲ 12.7%
2024 · €167k
2018: €174k
2019: €154k
2020: €176k
2021: €143k
2022: €126k
2023: €144k
2024: €167k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€210k-€216k▲ 2.5%€218k▲ 1.4%€228k▲ 4.6%€236k▲ 3.5%
Operating result€16k-€13k▼ 15.4%€3k▼ 75.9%€10k▲ 219%€10k▲ 1.7%
Net result€13k-€13k▲ 1.6%€3k▼ 77.7%€10k▲ 237%€8k▼ 19.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €259k
Fixed assets
€48k▼ 21.5%
Current assets
€211k▲ 19.4%
Equity and liabilities €259k
Equity
€236k▲ 3.5%
Debt
€23k▲ 134%
The debt ratio rises from 4.1% to 8.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▲
2024 · €24k
Cash flow
€21k▼
2024 · €23k
Solvency
91.2%▼
2024 · 95.9%
Current ratio
9.27▼
2024 · 18.16
Quick ratio
6.69▼
2024 · 11.55
Debt / equity
0.10▲
2024 · 0.04
ROE
3.4%▼
2024 · 4.4%
ROA
3.1%▼
2024 · 4.2%
Interest coverage
172.82▲
2024 · 159.42
Debt
€23k▲
2024 · €10k
Debt ≤ 1 year
€23k▲
2024 · €10k
Income taxes
€2k▲
2024 · €964
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€238k€259k▲
Fixed assets21/28€61k€48k▼
Tangible fixed assets22/27€61k€48k▼
Plant, machinery and equipment23€61k€48k▼
Current assets29/58€177k€211k▲
Stocks and contracts in progress3€64k€59k▼
Stocks30/36€64k€59k▼
Amounts receivable within one year40/41€12k-
Other amounts receivable41€12k-
Cash at bank and in hand54/58€100k€152k▲
Deferred charges and accrued income490/1€703€400▼
Equity and liabilities
Total equity and liabilities10/49€238k€259k▲
Equity10/15€228k€236k▲
Contributions10/11€19k€19k=
Reserves13€200k€210k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€198k€208k▲
Profit (loss) carried forward14€10k€8k▼
Amounts payable17/49€10k€23k▲
Amounts payable within one year42/48€10k€23k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€6k€21k▲
Taxes450/3€6k€4k▼
Remuneration and social security454/9-€16k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-2k€2k▲
Other operating charges640/8€504€244▼
Gross operating margin9900€22k€26k▲
Operating profit (loss)9901€10k€10k▲
Financial income75/76B€752€22▼
Recurring financial income75€752€22▼
Financial charges65/66B€147€137▼
Recurring financial charges65€147€137▼
Profit (loss) for the period before taxes9903€11k€10k▼
Income taxes67/77€964€2k▲
Profit (loss) for the period9904€10k€8k▼
Profit (loss) for the period to be appropriated9905€10k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€8k▼
The notes to these accounts (4 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 18.16
Current ratio from 8.76 to 18.16; short-term debt falls from €19k to €10k.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €3k ▼77.7%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €205k ▲9.9%
3 profitable years in a row build equity to €205k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Merelbeke-Melle · 1 establishment unit since 1993
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.
Van Goethemstraat 349820 Merelbeke-MelleGround area
263 m²
Building footprint
106 m²
Volume, LiDAR
629 m³
Parcel 44043A0201/00H002, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OPTIEK JORY
since 19932.064.899.178
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44043A0201/00H002 | Flanders | 263 m² | 1 · 106 m² | 11.6 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
BERT RUTTEN OPTIEK
BE 0451.081.177
Wommelgem · Eq €236k
Optique Lambotte
BE 0442.924.467
Amay · Eq €236k
OPTIEK COLSON
BE 0821.780.733
Maasmechelen · Eq €236k
Optiek Mommen
BE 0840.154.612
Heusden-Zolder · Eq €238k
OPTIC 2012
BE 0436.602.938
Antwerpen · Eq €235k
Of 1,729 companies in sector 47742 we hold annual accounts for 1,138. 929 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-11-1993
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.