OPTIMAR
ActiveSummary
OPTIMAR has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70,408 and a net result of €5,187. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 89% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▲+18
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 4.69 against 5.61 in 2024; short-term debt: 16.8% and cash: 64.8% of total assets), and 16.8% of the assets are financed with debt.
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Signals
Five 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
83.2%
Return on assets
6.1%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €70,408
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 26-03-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
26 d early
2023
34 d early
2022
26 d early
2021
16 d early
2020
21 d early
2019
47 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 29 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
In the rankings
#9 oldest company in Schelle, Wholesale and retail trade sector
Equity
€70,408▲ 8.0%
2024 · €65,221
Total assets
€84,652▲ 7.3%
2024 · €78,905
Net result
€5,187▲ 100%
2024 · €2,591
Working capital
€52,563▼ 16.6%
2024 · €63,017
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€3,969▼ 18.5%€4,853▲ 22.3%-€6,699€4,125€7,572▲ 83.6%
Net result€2,695within the sector's middle half▼ 31.3%€2,161within the sector's middle half▼ 19.8%-€8,528below the sector's middle half€2,591within the sector's middle half€5,187within the sector's middle half▲ 100%
Equity€68,998within the sector's middle half▲ 4.1%€71,159within the sector's middle half▲ 3.1%€62,631within the sector's middle half▼ 12.0%€65,221within the sector's middle half▲ 4.1%€70,408within the sector's middle half▲ 8.0%
Total assets€86,051within the sector's middle half▲ 4.3%€86,269within the sector's middle half▲ 0.3%€76,838within the sector's middle half▼ 10.9%€78,905within the sector's middle half▲ 2.7%€84,652within the sector's middle half▲ 7.3%
Debt€17,053▲ 5.1%€15,110▼ 11.4%€14,207▼ 6.0%€13,684▼ 3.7%€14,244▲ 4.1%
Working capital€67,731▲ 7.3%€70,174▲ 3.6%€60,901▼ 13.2%€63,017▲ 3.5%€52,563▼ 16.6%
Solvency80.2%above the sector's middle half▼ 0.2pp82.5%above the sector's middle half▲ 2.3pp81.5%above the sector's middle half▼ 1.0pp82.7%above the sector's middle half▲ 1.1pp83.2%above the sector's middle half▲ 0.5pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the 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 84% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84,652
Fixed assets
€17,845 ▲ 709%
Current assets
€66,807 ▼ 12.9%
Equity and liabilities €84,652
Equity
€70,408 ▲ 8.0%
Debt
€14,244 ▲ 4.1%
Debt's share of the balance-sheet total falls from 17.3% to 16.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€10,042▲
2024 · €4,831
Cash flow
€7,657▲
2024 · €3,297
Current ratio
4.69▼
2024 · 5.61
Debt to equity
0.20▼
2024 · 0.21
ROE
7.4%▲
2024 · 4.0%
ROA
6.1%▲
2024 · 3.3%
Interest coverage
38.02▲
2024 · 4.21
Debt ≤ 1 year
€14,244▲
2024 · €13,684
Income taxes
€2,530▲
2024 · €547
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,324 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €192 | €282 | €495 | €707 | €2,470 | ▲ 249% |
| Other operating charges640/8 | €675 | €507 | €620 | €666 | €673 | ▲ 1.0% |
| Gross operating margin9900 | €4,837 | €5,642 | -€5,584 | €5,498 | €10,715 | ▲ 94.9% |
| Operating profit (loss)9901 | €3,969 | €4,853 | -€6,699 | €4,125 | €7,572 | ▲ 83.6% |
| Financial income75/76B | - | €0 | €4 | €161 | €409 | ▲ 154% |
| Recurring financial income75 | - | €0 | €4 | €161 | €409 | ▲ 154% |
| Financial charges65/66B | €599 | €1,927 | €1,541 | €1,149 | €264 | ▼ 77.0% |
| Recurring financial charges65 | €599 | €1,927 | €1,541 | €1,149 | €264 | ▼ 77.0% |
| Profit (loss) for the period before taxes9903 | €3,371 | €2,926 | -€8,236 | €3,137 | €7,717 | ▲ 146% |
| Income taxes67/77 | €676 | €765 | €292 | €547 | €2,530 | ▲ 363% |
| Profit (loss) for the period9904 | €2,695 | €2,161 | -€8,528 | €2,591 | €5,187 | ▲ 100% |
| Profit (loss) for the period to be appropriated9905 | €2,695 | €2,161 | -€8,528 | €2,591 | €5,187 | ▲ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €86,051 | €86,269 | €76,838 | €78,905 | €84,652 | ▲ 7.3% |
| Fixed assets21/28 | €1,267 | €985 | €1,729 | €2,205 | €17,845 | ▲ 709% |
| Tangible fixed assets22/27 | €1,218 | €936 | €1,680 | €2,155 | €17,795 | ▲ 726% |
| Plant, machinery and equipment23 | €1,218 | €936 | €1,680 | €2,155 | €2,257 | ▲ 4.7% |
| Furniture and vehicles24 | - | - | - | - | €15,538 | - |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €84,784 | €85,284 | €75,108 | €76,701 | €66,807 | ▼ 12.9% |
| Amounts receivable within one year40/41 | €5,824 | €8,504 | €5,440 | €2,502 | €10,502 | ▲ 320% |
| Trade receivables40 | - | €6,269 | €4,231 | - | €9,910 | - |
| Other amounts receivable41 | €5,824 | €2,235 | €1,209 | €2,502 | €592 | ▼ 76.3% |
| Cash at bank and in hand54/58 | €77,695 | €75,515 | €68,339 | €72,652 | €54,872 | ▼ 24.5% |
| Deferred charges and accrued income490/1 | €1,264 | €1,265 | €1,330 | €1,547 | €1,432 | ▼ 7.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €86,051 | €86,269 | €76,838 | €78,905 | €84,652 | ▲ 7.3% |
| Equity10/15 | €68,998 | €71,159 | €62,631 | €65,221 | €70,408 | ▲ 8.0% |
| Contributions10/11 | €7,759 | €7,759 | €7,759 | €7,759 | €7,759 | = |
| Reserves13 | €13,015 | €15,176 | €15,176 | €17,767 | €22,954 | ▲ 29.2% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Tax-exempt reserves132 | €549 | €549 | €549 | €549 | €549 | = |
| Distributable reserves133 | €10,606 | €12,767 | €14,627 | €17,218 | €22,405 | ▲ 30.1% |
| Profit (loss) carried forward14 | €48,223 | €48,223 | €39,695 | €39,695 | €39,695 | = |
| Amounts payable17/49 | €17,053 | €15,110 | €14,207 | €13,684 | €14,244 | ▲ 4.1% |
| Amounts payable within one year42/48 | €17,053 | €15,110 | €14,207 | €13,684 | €14,244 | ▲ 4.1% |
| Trade debts44 | €566 | - | €17 | - | €2,316 | - |
| Suppliers440/4 | €566 | - | €17 | - | €2,316 | - |
| Taxes, remuneration and social security45 | €7,630 | €6,849 | €6,337 | €6,251 | €4,969 | ▼ 20.5% |
| Taxes450/3 | €7,630 | €6,849 | €6,337 | €6,251 | €4,969 | ▼ 20.5% |
| Other amounts payable47/48 | €8,858 | €8,262 | €7,854 | €7,434 | €6,959 | ▼ 6.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,695 | €2,161 | -€8,528 | €2,591 | €5,187 | ▲ 100% |
| + Depreciation and write-downs630 | €192 | €282 | €495 | €707 | €2,470 | ▲ 249% |
| Operating cash flow (approximation) | €2,887 | €2,443 | -€8,034 | €3,297 | €7,657 | ▲ 132% |
| Investment in fixed assets (approximation) | - | €0 | -€1,239 | -€1,182 | -€18,110 | ▼ 1,432% |
| Change in cash | - | -€2,180 | -€7,176 | €4,312 | -€17,779 | ▼ 512% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €5,187 ▲100%
Operating result €7,572, net result €5,187, both a record.
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €2,591
Net result €2,591 after one loss-making year.
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet -€8,528
Net result drops to -€8,528, the lowest in the series; recovery starts the following year.
04-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €3,925
Net result €3,925 after 2 loss-making years.
14-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-03
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Schelle · 1 establishment unit since 1994
Ground area
209 m²
Building footprint
83 m²
Volume, LiDAR
632 m³
Parcel 11038C0193/00R002, Flanders · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OPTIMAR
since 19942.051.241.776
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11038C0193/00R002 | Flanders | 209 m² | 1 · 83 m² | 9.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
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DESVAN
BE 0437.083.780
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Optiek Albrecht
BE 0412.513.185
Gent · Eq €69,940
BRILLE KOONEN KELMIS
BE 0504.898.460
Eupen · Eq €71,174
OPTIEK HONS
BE 0738.413.587
Dilsen-Stokkem · Eq €71,412
Of 1,733 companies in sector 47742 we hold annual accounts for 1,139. 971 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-11-1990
Fiscal year end30-09
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
E-invoicing
Reachable via Peppol
Peppol ID
0208:0442418087
Also
9925:BE0442418087
Registered
25-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.