OPTIMODE
ActiveOPTIMODE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €829k and a net result of €63k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 91% of 11195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-7
Solvency100▲+5
Growth70=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 3.44 against 1.77 in 2024), and 7.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
92.1%
Return on assets
7%
Age of the figures
8 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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
77 d early
2023
77 d early
2022
104 d early
2021
125 d early
2020
122 d early
2019
64 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€419k▲ 6.3%
2018 · €394k
2018: €394k
2018 → 2019
EBIT margin
27.2%▲ 3.8pp
2018 · 23.4%
2018: 23.4%
2018 → 2019
Net result
€63k▼ 16.7%
2024 · €76k
2018: €55k
2019: €73k
2020: €98k
2021: €118k
2022: €71k
2023: €52k
2024: €76k
2018 → 2025
Working capital
€143k▲ 66.0%
2024 · €86k
2018: €320k
2019: €328k
2020: €424k
2021: €530k
2022: €317k
2023: €-35k
2024: €86k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€708k-€707k▼ 0.1%€758k▲ 7.4%€834k▲ 10.0%€829k▼ 0.6%
Operating result€175k-€83k▼ 52.2%€72k▼ 13.5%€112k▲ 54.4%€90k▼ 19.0%
Net result€118k-€71k▼ 40.0%€52k▼ 26.8%€76k▲ 45.7%€63k▼ 16.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €900k
Fixed assets
€699k▼ 9.7%
Current assets
€201k▲ 1.8%
Equity and liabilities €900k
Equity
€829k▼ 0.6%
Debt
€71k▼ 48.3%
The debt ratio falls from 14.2% to 7.9%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€199k▼
2024 · €215k
Cash flow
€171k▼
2024 · €179k
Solvency
92.1%▲
2024 · 85.8%
Current ratio
3.44▲
2024 · 1.77
Quick ratio
2.54▲
2024 · 1.30
Debt / equity
0.09▼
2024 · 0.17
ROE
7.6%▼
2024 · 9.1%
ROA
7.0%▼
2024 · 7.8%
Interest coverage
646.39▲
2024 · 313.94
Debt
€71k▼
2024 · €138k
Debt ≤ 1 year
€58k▼
2024 · €112k
Debt > 1 year
€13k▼
2024 · €26k
Income taxes
€32k▼
2024 · €35k
Staff costs
€85k▲
2024 · €77k
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€972k€900k▼
Fixed assets21/28€774k€699k▼
Tangible fixed assets22/27€771k€696k▼
Land and buildings22€581k€517k▼
Plant, machinery and equipment23€116k€97k▼
Furniture and vehicles24€74k€82k▲
Financial fixed assets28€3k€3k=
Current assets29/58€198k€201k▲
Stocks and contracts in progress3€53k€53k=
Stocks30/36€53k€53k=
Amounts receivable within one year40/41€7k€19k▲
Trade receivables40€61€3k▲
Other amounts receivable41€7k€16k▲
Cash at bank and in hand54/58€139k€129k▼
Equity and liabilities
Total equity and liabilities10/49€972k€900k▼
Equity10/15€834k€829k▼
Contributions10/11€25k€25k=
Reserves13€665k€660k▼
Distributable reserves133€665k€660k▼
Profit (loss) carried forward14€144k€144k=
Amounts payable17/49€138k€71k▼
Amounts payable after more than one year17€26k€13k▼
Financial debts170/4€26k€13k▼
Amounts payable within one year42/48€112k€58k▼
Current portion of amounts payable after more than one year42€54k€13k▼
Trade debts44€18k€21k▲
Suppliers440/4€18k€21k▲
Taxes, remuneration and social security45€26k€16k▼
Taxes450/3€11k€353▼
Remuneration and social security454/9€14k€16k▲
Other amounts payable47/48€14k€8k▼
Income statement
Code20242025
Non-recurring operating income76A€7k-
Remuneration, social security and pensions62€77k€85k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€103k€108k▲
Other operating charges640/8€8k€3k▼
Non-recurring operating charges66A€23k€1k▼
Gross operating margin9900€323k€288k▼
Operating profit (loss)9901€112k€90k▼
Financial income75/76B€68€6k▲
Recurring financial income75€68€6k▲
Financial charges65/66B€685€307▼
Recurring financial charges65€685€307▼
Profit (loss) for the period before taxes9903€111k€96k▼
Income taxes67/77€35k€32k▼
Profit (loss) for the period9904€76k€63k▼
Profit (loss) for the period to be appropriated9905€76k€63k▼
Appropriation of the result
Profit (loss) to be appropriated9906€220k€207k▼
Profit (loss) brought forward from the previous period14P€144k€144k=
Transfer from equity791/2-€68k
Transfer to equity691/2€76k€63k▼
To other reserves6921€76k€63k▼
Profit to be distributed694/7-€68k
Return on contributions (dividend)694-€68k
The notes to these accounts (9 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 1.77
Current ratio from 0.74 to 1.77; short-term debt falls from €134k to €112k.
15-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €52k ▼26.8%
Net result drops to €52k, the lowest in the series; recovery starts the following year.
18-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €118k ▲20.7%
Operating result €175k, net result €118k, both a record.
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €500kEq €589k ▲19.9%
3 profitable years in a row build equity to €589k.
28-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Gerpinnes · 1 establishment unit since 1995
Ground area
1,585 m²
Building footprint
294 m²
Volume, LiDAR
653 m³
2 parcels, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Moncheret(ACO) 48, 6280 Gerpinnes
since 19952.071.038.387
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52001A0001/00N013 | Wallonia | 993 m² | 1 · 124 m² | 7.0 m · 2 fl. |
| 52001C0032/00K000 | Wallonia | 591 m² | 1 · 171 m² | - |
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.
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POLIS - SERVICE
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Turnhout · Eq €757k
SAFILO BENELUX
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RODENSTOCK BENELUX
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Aartselaar · Eq €958k
Of 248 companies in sector 46432 we hold annual accounts for 170. 114 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-1995
Fiscal year end31-12
Activities, NACEBEL
46432Wholesale trade
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
51473
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.