OPTIEK VERAA
ActiveOPTIEK VERAA has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €263k and a net result of €23k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 8002 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 and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+27
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 8.8 against 15.1 in 2024; short-term debt: 10.5% and cash: 85.4% of total assets), and 15.2% 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
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
84.8%
Return on assets
7.3%
Age of the figures
9 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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
2 d early
2023
12 d late
2022
39 d early
2021
13 d early
2020
53 d early
2019
3 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€263k▲ 9.4%
2024 · €241k
2018: €108k
2019: €154k
2020: €186k
2021: €206k
2022: €220k
2023: €227k
2024: €241k
2018 → 2025
Total assets
€311k▲ 20.4%
2024 · €258k
2018: €129k
2019: €195k
2020: €239k
2021: €258k
2022: €272k
2023: €296k
2024: €258k
2018 → 2025
Net result
€23k▲ 66.8%
2024 · €14k
2018: €20k
2019: €46k
2020: €31k
2021: €35k
2022: €25k
2023: €27k
2024: €14k
2018 → 2025
Working capital
€254k▲ 5.7%
2024 · €241k
2018: €107k
2019: €153k
2020: €185k
2021: €206k
2022: €220k
2023: €227k
2024: €241k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€206k-€220k▲ 6.8%€227k▲ 3.2%€241k▲ 5.9%€263k▲ 9.4%
Operating result€50k-€37k▼ 25.9%€41k▲ 10.0%€20k▼ 50.9%€31k▲ 55.0%
Net result€35k-€25k▼ 28.1%€27k▲ 5.9%€14k▼ 49.1%€23k▲ 66.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 55% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €311k
Fixed assets
€24k▲ 18,854%
Current assets
€287k▲ 11.3%
Equity and liabilities €311k
Equity
€263k▲ 9.4%
Debt
€47k▲ 177%
The debt ratio rises from 6.6% to 15.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€33k
Cash flow
€24k
Solvency
84.8%▼
2024 · 93.4%
Current ratio
8.80▼
2024 · 15.10
Quick ratio
8.80▼
2024 · 15.10
Debt / equity
0.18▲
2024 · 0.07
ROE
8.6%▲
2024 · 5.6%
ROA
7.3%▲
2024 · 5.2%
Interest coverage
13.86
Debt
€47k▲
2024 · €17k
Debt ≤ 1 year
€33k▲
2024 · €17k
Debt > 1 year
€15k
Income taxes
€10k▲
2024 · €6k
Staff costs
€73k▲
2024 · €49k
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€258k€311k▲
Fixed assets21/28€125€24k▲
Tangible fixed assets22/27-€24k
Furniture and vehicles24-€24k
Financial fixed assets28€125€125=
Current assets29/58€258k€287k▲
Amounts receivable within one year40/41€10k€21k▲
Trade receivables40-€13k
Other amounts receivable41€10k€9k▼
Cash at bank and in hand54/58€248k€265k▲
Equity and liabilities
Total equity and liabilities10/49€258k€311k▲
Equity10/15€241k€263k▲
Contributions10/11€12k€12k=
Outside capital11€12k€12k=
Share premium1100/10€12k€12k=
Reserves13€228k€251k▲
Distributable reserves133€228k€251k▲
Amounts payable17/49€17k€47k▲
Amounts payable after more than one year17-€15k
Financial debts170/4-€15k
Amounts payable within one year42/48€17k€33k▲
Current portion of amounts payable after more than one year42-€5k
Financial debts43€1k€1k▼
Other loans439€1k€1k▼
Trade debts44€9k€5k▼
Suppliers440/4€9k€5k▼
Taxes, remuneration and social security45€7k€17k▲
Taxes450/3€2k€10k▲
Remuneration and social security454/9€5k€7k▲
Other amounts payable47/48€11€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€49k€73k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2k
Other operating charges640/8€1k€2k▲
Gross operating margin9900€71k€107k▲
Operating profit (loss)9901€20k€31k▲
Financial income75/76B€1k€4k▲
Recurring financial income75€1k€4k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€20k€32k▲
Income taxes67/77€6k€10k▲
Profit (loss) for the period9904€14k€23k▲
Profit (loss) for the period to be appropriated9905€14k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€23k▲
Transfer to equity691/2€14k€23k▲
To other reserves6921€14k€23k▲
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €14k ▼49.1%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 15.10
Current ratio from 4.29 to 15.10; short-term debt falls from €69k to €17k.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €206k ▲11%
4 profitable years in a row build equity to €206k.
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €46k ▲133%
Operating result €75k, net result €46k, both a record.
31-12
Financial
Equity above €150kEq €154k ▲42.6%
2 profitable years in a row build equity to €154k.
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 1998
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.
Oude Gentweg 832070 Beveren-Kruibeke-ZwijndrechtGround area
2.2 ha
Building footprint
1.4 ha
Volume, LiDAR
130,152 m³
2 parcels, Flanders · tallest building 20.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PEARLE VISION
since 19982.085.782.090
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11809I2485/00N002 | Flanders | 1.3 ha | 1 · 1.2 ha | 20.6 m · 3 fl. |
| 11011A0680/00A000 | Flanders | 9,653 m² | 1 · 2,114 m² | 17.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 4,422 companies in sector 46180 we hold annual accounts for 1,886. 1,325 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-1998
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
51180
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.