Optique Leclercq
ActiveOptique Leclercq has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €468k and a net result of €118k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 90% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+8
Solvency100▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 5.31 against 2.99 in 2024; short-term debt: 18.3% and cash: 75% of total assets), and 18.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
81.5%
Return on assets
20.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
25 d late
2023
26 d late
2022
24 d late
2021
16 d late
2020
16 d late
2019
59 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€468k▲ 33.7%
2024 · €350k
2018: €225k
2019: €264k
2020: €301k
2021: €334k
2022: €336k
2023: €354k
2024: €350k
2018 → 2025
Total assets
€575k▲ 11.2%
2024 · €517k
2018: €321k
2019: €351k
2020: €391k
2021: €420k
2022: €402k
2023: €432k
2024: €517k
2018 → 2025
Net result
€118k▲ 66.9%
2024 · €71k
2018: €-12k
2019: €39k
2020: €37k
2021: €33k
2022: €2k
2023: €18k
2024: €71k
2018 → 2025
Working capital
€453k▲ 36.6%
2024 · €332k
2018: €172k
2019: €201k
2020: €226k
2021: €274k
2022: €295k
2023: €330k
2024: €332k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€334k-€336k▲ 0.5%€354k▲ 5.5%€350k▼ 1.2%€468k▲ 33.7%
Operating result€33k-€19k▼ 44.2%€43k▲ 131%€108k▲ 153%€177k▲ 63.3%
Net result€33k-€2k▼ 94.7%€18k▲ 939%€71k▲ 283%€118k▲ 66.9%
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 63% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €575k
Fixed assets
€16k▼ 12.2%
Current assets
€558k▲ 12.1%
Equity and liabilities €575k
Equity
€468k▲ 33.7%
Debt
€106k▼ 36.1%
The debt ratio falls from 32.2% to 18.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€180k▲
2024 · €121k
Cash flow
€121k▲
2024 · €84k
Solvency
81.5%▲
2024 · 67.8%
Current ratio
5.31▲
2024 · 2.99
Quick ratio
4.16▲
2024 · 2.33
Debt / equity
0.23▼
2024 · 0.48
ROE
25.2%▲
2024 · 20.2%
ROA
20.5%▲
2024 · 13.7%
Interest coverage
201.90▲
2024 · 108.56
Debt
€106k▼
2024 · €166k
Debt ≤ 1 year
€105k▼
2024 · €166k
Income taxes
€58k▲
2024 · €37k
Staff costs
€135k▼
2024 · €192k
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€517k€575k▲
Fixed assets21/28€18k€16k▼
Tangible fixed assets22/27€18k€16k▼
Land and buildings22€13k€13k▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€516€397▼
Current assets29/58€498k€558k▲
Stocks and contracts in progress3€111k€121k▲
Stocks30/36€111k€121k▲
Amounts receivable within one year40/41€901€1k▲
Trade receivables40€901€1k▲
Cash at bank and in hand54/58€377k€431k▲
Deferred charges and accrued income490/1€9k€5k▼
Equity and liabilities
Total equity and liabilities10/49€517k€575k▲
Equity10/15€350k€468k▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€107k€225k▲
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Tax-exempt reserves132€8k€8k=
Distributable reserves133€89k€207k▲
Profit (loss) carried forward14€143k€143k=
Amounts payable17/49€166k€106k▼
Amounts payable within one year42/48€166k€105k▼
Trade debts44€33k€16k▼
Suppliers440/4€33k€16k▼
Taxes, remuneration and social security45€59k€89k▲
Taxes450/3€29k€70k▲
Remuneration and social security454/9€29k€19k▼
Other amounts payable47/48€75k-
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Non-recurring operating income76A€64k€4k▼
Remuneration, social security and pensions62€192k€135k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€3k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€7k
Other operating charges640/8€387€400▲
Gross operating margin9900€314k€322k▲
Operating profit (loss)9901€108k€177k▲
Financial income75/76B€52-
Recurring financial income75€52-
Financial charges65/66B€1k€891▼
Recurring financial charges65€1k€891▼
Profit (loss) for the period before taxes9903€107k€176k▲
Income taxes67/77€37k€58k▲
Profit (loss) for the period9904€71k€118k▲
Profit (loss) for the period to be appropriated9905€71k€118k▲
Appropriation of the result
Profit (loss) to be appropriated9906€289k€262k▼
Profit (loss) brought forward from the previous period14P€218k€143k▼
Transfer to equity691/2€71k€118k▲
To other reserves6921€71k€118k▲
Profit to be distributed694/7€75k-
Return on contributions (dividend)694€75k-
The notes to these accounts (4 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €118k ▲66.9%
Operating result €177k, net result €118k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
2019
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 7 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Wavre · 1 establishment unit since 1990
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.
Place des Carmes 61300 WavreGround area
4,777 m²
Building footprint
708 m²
Volume, LiDAR
11,904 m³
Parcel 25112M0200/00C000, Wallonia · tallest building 19.7 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
OPTIQUE LECLERCQ
since 19902.047.926.554
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112M0200/00C000 | Wallonia | 4,777 m² | 1 · 708 m² | 19.7 m · 6 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
DIVALO SERVICES
BE 0452.824.803
Aalter · Eq €470k
Madon Optiek
BE 0476.544.865
Gent · Eq €466k
OPTIEK GEERTRUI
BE 0474.504.697
Wichelen · Eq €473k
DESO OPTICS
BE 0877.657.879
Kortrijk · Eq €463k
OPTIEK TOM DE BRUYNE
BE 0873.586.849
Hoogstraten · Eq €474k
Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 828 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded20-01-1977
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.