Optiek Withofs
ActiveSummary
Optiek Withofs has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €287k and a net result of €232k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 49% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency61▼-39
Growth69=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 3.55 in 2024; short-term debt: 63.7% and cash: 69.5% of total assets), and 63.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
36.3%
Return on assets
29.4%
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 24-02-2026, 157 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
157 d early
2024
50 d early
2023
50 d early
2022
32 d early
2021
44 d early
2020
44 d early
2019
42 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€679k▲ 5.6%
2018 · €642k
2018: €642k
2018 → 2019
EBIT margin
2.1%▼ 0.1pp
2018 · 2.2%
2018: 2.2%
2018 → 2019
Net result
€232k▲ 4.3%
2024 · €222k
2018: €6k
2019: €10k
2020: €27k
2021: €64k
2022: €32k
2023: €135k
2024: €222k
2018 → 2025
Working capital
€220k▼ 41.5%
2024 · €376k
2018: €231k
2019: €218k
2020: €235k
2021: €253k
2022: €250k
2023: €191k
2024: €376k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€268k-€268k=€248k▼ 7.5%€455k▲ 83.5%€287k▼ 37.0%
Operating result€82k-€33k▼ 60.1%€171k▲ 424%€294k▲ 72.4%€308k▲ 4.6%
Net result€64k-€32k▼ 50.0%€135k▲ 325%€222k▲ 64.7%€232k▲ 4.3%
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 2022 the operating result has climbed three years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €789k
Fixed assets
€66k ▼ 17.6%
Current assets
€722k ▲ 37.9%
Equity and liabilities €789k
Equity
€287k ▼ 37.0%
Debt
€502k ▲ 237%
Debt's share of the balance-sheet total rises from 24.7% to 63.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€322k▲
2024 · €308k
Cash flow
€246k▲
2024 · €236k
Current ratio
1.44▼
2024 · 3.55
Quick ratio
1.22▼
2024 · 2.89
Debt to equity
1.75▲
2024 · 0.33
ROE
80.8%▲
2024 · 48.8%
ROA
29.4%▼
2024 · 36.8%
Interest coverage
261.78▲
2024 · 165.57
Debt ≤ 1 year
€502k▲
2024 · €148k
Debt > 1 year
€0▼
2024 · €2k
Income taxes
€80k▲
2024 · €77k
Staff costs
€79k▲
2024 · €76k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€604k€789k▲
Fixed assets21/28€81k€66k▼
Tangible fixed assets22/27€66k€51k▼
Plant, machinery and equipment23€31k€26k▼
Furniture and vehicles24€2k€779▼
Other tangible fixed assets26€33k€25k▼
Financial fixed assets28€15k€15k=
Current assets29/58€524k€722k▲
Stocks and contracts in progress3€97k€111k▲
Stocks30/36€97k€111k▲
Amounts receivable within one year40/41€69k€60k▼
Trade receivables40€68k€58k▼
Other amounts receivable41€514€2k▲
Cash at bank and in hand54/58€357k€548k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€604k€789k▲
Equity10/15€455k€287k▼
Contributions10/11€19k€19k=
Reserves13€49k€268k▲
Distributable reserves133€49k€268k▲
Profit (loss) carried forward14€388k€0▼
Amounts payable17/49€149k€502k▲
Amounts payable after more than one year17€2k€0▼
Financial debts170/4€2k€0▼
Amounts payable within one year42/48€148k€502k▲
Current portion of amounts payable after more than one year42€20k€2k▼
Financial debts43-€27
Credit institutions430/8-€27
Trade debts44€80k€66k▼
Suppliers440/4€80k€66k▼
Taxes, remuneration and social security45€48k€34k▼
Taxes450/3€31k€23k▼
Remuneration and social security454/9€17k€11k▼
Other amounts payable47/48€303€401k▲
Income statement
Code20242025
Remuneration, social security and pensions62€76k€79k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€386k€403k▲
Operating profit (loss)9901€294k€308k▲
Financial income75/76B€7k€5k▼
Recurring financial income75€7k€5k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€299k€311k▲
Income taxes67/77€77k€80k▲
Profit (loss) for the period9904€222k€232k▲
Profit (loss) for the period to be appropriated9905€222k€232k▲
Appropriation of the result
Profit (loss) to be appropriated9906€388k€619k▲
Profit (loss) brought forward from the previous period14P€165k€388k▲
Transfer from equity791/2€15k€24k▲
Transfer to equity691/2-€243k
To other reserves6921-€243k
Profit to be distributed694/7€15k€400k▲
Return on contributions (dividend)694€15k€400k▲
Social balance
Average headcount (FTE)90871.21.4▲
The notes to these accounts (14 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
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €232k ▲4.3%
Operating result €308k, net result €232k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €205k ▲15%
3 profitable years in a row build equity to €205k.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-06
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
2 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, Peer · 1 establishment unit since 2000
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.
Steenweg Wijchmaal 103990 PeerGround area
846 m²
Building footprint
662 m²
Volume, LiDAR
6,228 m³
Parcel 72030A0537/00P000, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OPTIEK WITHOFS
since 20002.099.262.617
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72030A0537/00P000 | Flanders | 846 m² | 1 · 662 m² | 12.9 m · 3 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 Nijs
BE 0898.923.348
Herzele · Eq €286,779
OPTISCH CENTRUM LAMBRECHTS
BE 0477.038.872
Brecht · Eq €285,913
Techno - Photo
BE 0418.734.548
Sint-Gillis (bij-Brussel) · Eq €287,520
Optiek Dresen
BE 0428.591.332
Oostende · Eq €287,553
Optique Collin by Charlotte
BE 0805.065.356
Eghezée · Eq €288,094
Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 908 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-1999
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.