OPTIQUE MARIE KLEIN
ActiveOPTIQUE MARIE KLEIN has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €474k and a net result of €55k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 92% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 7.69 against 9.9 in 2024; short-term debt: 12.8% and cash: 89% of total assets), and 12.8% 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
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
87.2%
Return on assets
10.1%
Age of the figures
9 mo
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
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
19 d late
2023
8 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
27 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€474k▲ 7.2%
2024 · €442k
2018: €263k
2019: €295k
2020: €324k
2021: €372k
2022: €382k
2023: €407k
2024: €442k
2018 → 2025
Total assets
€544k▲ 10.8%
2024 · €491k
2018: €313k
2019: €337k
2020: €361k
2021: €409k
2022: €445k
2023: €475k
2024: €491k
2018 → 2025
Net result
€55k▼ 12.5%
2024 · €63k
2018: €26k
2019: €32k
2020: €29k
2021: €48k
2022: €33k
2023: €51k
2024: €63k
2018 → 2025
Working capital
€467k▲ 7.9%
2024 · €432k
2018: €244k
2019: €277k
2020: €308k
2021: €361k
2022: €377k
2023: €404k
2024: €432k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€372k-€382k▲ 2.7%€407k▲ 6.6%€442k▲ 8.7%€474k▲ 7.2%
Operating result€69k-€48k▼ 30.5%€72k▲ 49.8%€84k▲ 16.8%€76k▼ 8.8%
Net result€48k-€33k▼ 31.3%€51k▲ 55.0%€63k▲ 24.1%€55k▼ 12.5%
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 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €544k
Fixed assets
€8k▼ 23.2%
Current assets
€536k▲ 11.5%
Equity and liabilities €544k
Equity
€474k▲ 7.2%
Debt
€70k▲ 43.6%
The debt ratio rises from 9.9% to 12.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€80k▼
2024 · €86k
Cash flow
€58k▼
2024 · €65k
Solvency
87.2%▼
2024 · 90.1%
Current ratio
7.69▼
2024 · 9.90
Quick ratio
7.12▼
2024 · 8.88
Debt / equity
0.15▲
2024 · 0.11
ROE
11.6%▼
2024 · 14.2%
ROA
10.1%▼
2024 · 12.8%
Interest coverage
47.23▲
2024 · 35.72
Debt
€70k▲
2024 · €49k
Debt ≤ 1 year
€70k▲
2024 · €49k
Income taxes
€27k▼
2024 · €30k
Staff costs
€43k▲
2024 · €42k
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€491k€544k▲
Fixed assets21/28€10k€8k▼
Tangible fixed assets22/27€10k€8k▼
Furniture and vehicles24€8k€6k▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€481k€536k▲
Stocks and contracts in progress3€50k€40k▼
Stocks30/36€50k€40k▼
Amounts receivable within one year40/41€13k€9k▼
Trade receivables40€7k€9k▲
Other amounts receivable41€6k€0▼
Current investments50/53€0-
Cash at bank and in hand54/58€416k€484k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€491k€544k▲
Equity10/15€442k€474k▲
Contributions10/11€12k€12k=
Reserves13€216k€247k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€214k€245k▲
Profit (loss) carried forward14€214k€215k▲
Amounts payable17/49€49k€70k▲
Amounts payable within one year42/48€49k€70k▲
Trade debts44€9k€17k▲
Suppliers440/4€9k€17k▲
Taxes, remuneration and social security45€12k€16k▲
Taxes450/3€3k€8k▲
Remuneration and social security454/9€9k€8k▼
Other amounts payable47/48€28k€37k▲
Accrued charges and deferred income492/3€29€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€42k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€490€-227▼
Other operating charges640/8€1k€953▼
Gross operating margin9900€129k€124k▼
Operating profit (loss)9901€84k€76k▼
Financial income75/76B€12k€8k▼
Recurring financial income75€12k€8k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€93k€82k▼
Income taxes67/77€30k€27k▼
Profit (loss) for the period9904€63k€55k▼
Profit (loss) for the period to be appropriated9905€63k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€277k€269k▼
Profit (loss) brought forward from the previous period14P€214k€214k=
Transfer from equity791/2€28k€23k▼
Transfer to equity691/2€63k€54k▼
To other reserves6921€63k€54k▼
Profit to be distributed694/7€28k€23k▼
Return on contributions (dividend)694€28k€23k▼
The notes to these accounts (5 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Highest result since 2018net €63k ▲24.1%
Operating result €84k, net result €63k, both a record.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
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, Nivelles · 1 establishment unit since 2008
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 de Saintes 101400 NivellesGround area
167 m²
Building footprint
105 m²
Volume, LiDAR
1,286 m³
Parcel 25782D0869/00B002, Wallonia · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
OPTIQUE MARIE KLEIN
since 20082.172.852.953
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782D0869/00B002 | Wallonia | 167 m² | 1 · 105 m² | 15.1 m · 4 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 TOM DE BRUYNE
BE 0873.586.849
Hoogstraten · Eq €474k
OPTIEK GEERTRUI
BE 0474.504.697
Wichelen · Eq €473k
Bodart Opticiens
BE 0407.904.794
Brussel · Eq €476k
DIVALO SERVICES
BE 0452.824.803
Aalter · Eq €470k
OPTININO
BE 0449.941.230
Zottegem · Eq €479k
Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 823 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2008
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.