OPTIQUE DELVAUX
ActiveOPTIQUE DELVAUX has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €7k. Equity is shrinking by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 74% of 18120 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+79
Solvency87▲+6
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.62 against 2.31 in 2024; short-term debt: 28.8% and cash: 30.7% of total assets), and 37.5% 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
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
62.5%
Return on assets
8%
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 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
64 d early
2023
42 d early
2022
52 d early
2021
37 d early
2020
39 d early
2019
32 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 14.6%
2024 · €49k
2018: €78k
2019: €85k
2020: €87k
2021: €108k
2022: €95k
2023: €72k
2024: €49k
2018 → 2025
Total assets
€90k▲ 3.6%
2024 · €87k
2018: €142k
2019: €128k
2020: €144k
2021: €152k
2022: €117k
2023: €122k
2024: €87k
2018 → 2025
Net result
€7k
2024 · €-23k
2018: €-20k
2019: €7k
2020: €24k
2021: €21k
2022: €-13k
2023: €-22k
2024: €-23k
2018 → 2025
Working capital
€42k▲ 37.9%
2024 · €31k
2018: €38k
2019: €52k
2020: €58k
2021: €85k
2022: €77k
2023: €49k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€108k-€95k▼ 12.3%€72k▼ 23.7%€49k▼ 31.9%€56k▲ 14.6%
Operating result€22k-€-15k€-23k▼ 51.4%€-24k▼ 3.8%€7k
Net result€21k-€-13k€-22k▼ 68.3%€-23k▼ 2.7%€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €24k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90k
Fixed assets
€22k▼ 33.3%
Current assets
€68k▲ 26.4%
Equity and liabilities €90k
Equity
€56k▲ 14.6%
Debt
€34k▼ 10.6%
The debt ratio falls from 43.5% to 37.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▲
2024 · €-13k
Cash flow
€18k▲
2024 · €-12k
Solvency
62.5%▲
2024 · 56.5%
Current ratio
2.62▲
2024 · 2.31
Quick ratio
1.26▲
2024 · 0.98
Debt / equity
0.60▼
2024 · 0.77
ROE
12.8%▲
2024 · -46.8%
ROA
8.0%▲
2024 · -26.4%
Interest coverage
26.74▲
2024 · -18.20
Debt
€34k▼
2024 · €38k
Debt ≤ 1 year
€26k▲
2024 · €23k
Debt > 1 year
€8k▼
2024 · €15k
Income taxes
€56▼
2024 · €132
Staff costs
€30k▼
2024 · €31k
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€87k€90k▲
Fixed assets21/28€33k€22k▼
Tangible fixed assets22/27€33k€22k▼
Plant, machinery and equipment23€10k€6k▼
Furniture and vehicles24€23k€16k▼
Other tangible fixed assets26€363-
Current assets29/58€54k€68k▲
Stocks and contracts in progress3€31k€35k▲
Stocks30/36€31k€35k▲
Amounts receivable within one year40/41€9k€3k▼
Trade receivables40€5k€3k▼
Other amounts receivable41€4k€244▼
Cash at bank and in hand54/58€13k€28k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€87k€90k▲
Equity10/15€49k€56k▲
Contributions10/11€30k€30k=
Reserves13€48k€48k=
Tax-exempt reserves132€17k€17k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14€-29k€-21k▲
Amounts payable17/49€38k€34k▼
Amounts payable after more than one year17€15k€8k▼
Financial debts170/4€15k€8k▼
Amounts payable within one year42/48€23k€26k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€10k€12k▲
Suppliers440/4€10k€12k▲
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3-€697
Remuneration and social security454/9€5k€5k▼
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€31k€30k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k=
Other operating charges640/8€808€828▲
Gross operating margin9900€19k€49k▲
Operating profit (loss)9901€-24k€7k▲
Financial income75/76B€1k€964▼
Recurring financial income75€1k€964▼
Financial charges65/66B€690€675▼
Recurring financial charges65€690€675▼
Profit (loss) for the period before taxes9903€-23k€7k▲
Income taxes67/77€132€56▼
Profit (loss) for the period9904€-23k€7k▲
Profit (loss) for the period to be appropriated9905€-23k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-21k▲
Profit (loss) brought forward from the previous period14P€-6k€-29k▼
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
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after 3 loss-making years.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €108k ▲24.3%
3 profitable years in a row build equity to €108k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €24k ▲250%
Operating result €24k, net result €24k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-05
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
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, Charleroi · 1 establishment unit since 1987
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.
Rue du Président Wilson 496031 CharleroiGround area
1,048 m²
Building footprint
229 m²
Volume, LiDAR
1,048 m³
2 parcels, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Président Wilson 55, 6031 Charleroi
since 19872.029.627.604
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52047B0453/00Z002 | Wallonia | 574 m² | 1 · 101 m² | - |
| 52047B0456/00G002indicative | Wallonia | 473 m² | 1 · 128 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 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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TOOP
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Of 1,729 companies in sector 47742 we hold annual accounts for 1,138. 945 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-1987
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.