Active BE 0476.499.632Private limited company

OPTIQUE MARLIERE

Avenue Gouverneur Bovesse(JB) 33 ·5100 Namur, Belgium· 24 yrs active

Sector: Detailhandel in corrigerende brillen, lenzen en zonnebrillen (47742)

Conclusion Checked

The computed 12-month bankruptcy probability of OPTIQUE MARLIERE is 1.1% (low). The 2024 annual accounts show equity of €601k and a net result of €45k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 68% of 873 sector peers (fiscal year 2024). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€601k
Net result	€45k
Staff (FTE)	6.9
Better than sector	68%

Snowflake analysis 5 of 5 axes measured · computed by Checked

65 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 64

Profitability 51

Solvency 54

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.1% Low

0%0,5%1,5%4%10%≥25%

Multiple establishment units +Higher-failure-rate sector +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 2002, 24 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

64 / 100 Healthy

050100

Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 25-08-2025 with the NBB · fiscal year 2024 · volledig

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~15.9%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	31.8%	17.2%	better than 68% of 873 sector peers
Net result	€45k	€14k	better than 65% of 874 sector peers
Equity	€601k	€99k	better than 84% of 875 sector peers
Gross operating margin	€585k	€213k	better than 78% of 801 sector peers
Staff costs	€316k	€221k	higher than 62% of 721 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€1.63M

+10.2% 18-24

EBITDA

€248k

+23.2% 18-24

Net profit

€45k

-26.3% 18-24

Cash flow

€139k

-11.5% 18-24

Total assets

€1.89M

-0.8% 18-24

Equity

€601k

+8.1% 18-24

Working capital

€113k

-16.8% 18-24

Employees (FTE)

7

+11.3% 18-24

Staff costs

€316k

+0.7% 18-24

Income taxes

€22k

+109.6% 18-24

Dividends

€50k

- 18-24

Debt

€1.29M

-4.5% 18-24

Debt ≤ 1y

€581k

+15.2% 18-24

Debt > 1y

€696k

-16.3% 18-24

Current ratio

1.19

-5.9% 18-24

Quick ratio

0.45

-17.3% 18-24

Solvency

31.8%

+9.0% 18-24

Debt / equity

2.14

-11.6% 18-24

ROE

7.5%

-31.8% 18-24

ROA

2.4%

-25.7% 18-24

Net margin

2.8%

-33.1% 18-24

EBITDA margin

15.2%

+11.8% 18-24

Interest coverage

2.73

+47.3% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	volledig
Revenue	€1.63M
EBITDA	€248k
Net profit	€45k
Cash flow	€139k
Staff costs	€316k
Income taxes	€22k
Dividends	-
Total assets	€1.89M
Equity	€601k
Debt	€1.29M
of which ≤ 1y	€581k
of which > 1y	€696k
Working capital	€113k
Employees (FTE)	6.9

Ratios (computed)

	2024
Current ratio	1.19
Quick ratio	0.45
Working capital ratio	6.0%
Solvency	31.8%
Debt / equity	2.14
Long-term debt ratio	1.16
Interest coverage	2.73
Gross margin	29.9%
Net margin	2.8%
ROA	2.4%
ROE	7.5%
EBITDA margin	15.2%
Days sales outstanding	20d
Days payable outstanding	79d
Inventory turnover	2.64
Days inventory (DSI)	138d

Balance-sheet composition 2024

Assets

Fixed assets €1.19M · 63.2% Current assets €694k · 36.8%

Equity & liabilities

Equity €601k · 31.8% Provisions €678 · 0.0% Debt €1.29M · 68.1%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.89M
Fixed assets	21/28	€1.19M
Intangible fixed assets	21	€17k
Tangible fixed assets	22/27	€569k
Financial fixed assets	28	€607k
Current assets	29/58	€694k
Stocks & contracts in progress	3	€433k
Amounts receivable within one year	40/41	€192k
Cash & bank	54/58	€61k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.89M
Equity	10/15	€601k
Contributions / capital	10/11	€12k
Reserves	13	€587k
Accumulated profits (losses)	14	€2k
Provisions & deferred taxes	16	€678
Amounts payable	17/49	€1.29M
Amounts payable after one year	17	€696k
Amounts payable within one year	42/48	€581k
Trade debts payable within one year	44	€247k
Income statement
Turnover	70	€1.63M
Gross operating margin	9900	€585k
Operating result	9901	€154k
Financial income	75	€3k
Financial charges	65	€91k
Result before taxes	9903	€66k
Income taxes	67/77	€22k
Net result for the period	9904	€45k
Result to be appropriated	9905	€46k

You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 2 directors

Current directors & mandates

MARLIERE Jean-François Pierre
Director
State Gazette act 24321812 (11-01-2024)

Current
11-01-2024 → present
2 events
- 11-01-2024 Mandate renewed· Director
- 11-01-2024 Resigned· Managing director
Jean-François Marlière
Director
State Gazette act 25135207 (24-10-2025)

Current
22-12-2008 → present
2 events
- 24-10-2025 Mandate renewed· Director
- 22-12-2008 Appointed· Manager

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Legal Structure

NACE primary	Detailhandel in corrigerende brillen, lenzen en zonnebrillen(47742)
Legal form	Private limited company(610)
Incorporation	04-01-2002
Status	Active
Postal code	5100

Establishment units 3 locations

Avenue Gouverneur Bovesse(JB) 33, 5100 Namur

Detailhandel in optische artikelen (inclusief brillen), fotografische artikelen (inclusief films) en precisieinstrumenten

since 20022.094.568.114

OPTIQUE MARLIERE

Chaussée de Wavre 173, 1360 PerwezDetailhandel in optische artikelen (inclusief brillen), fotografische artikelen (inclusief films) en precisieinstrumenten

since 20172.267.577.413

Optique Marliere Afflelou

Chaussée de Charleroi,Gd-M. 142, 5030 GemblouxDetailhandel in fotografische en optische artikelen en in precisieinstrumenten, muv corrigerende brillen, lenzen en zonnebrillen

since 20212.316.469.965

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92255B0262/00P000	Wallonia	2,333 m²	1 · 1,926 m²	-
25101B0087/00R000	Wallonia	860 m²	1 · 321 m²	12.8 m · 3 fl.
92067B0782/00_000	Wallonia	784 m²	1 · 418 m²	24.1 m · 7 fl.

Methodology

via registered seat: 1 · via establishment units: 2

3 of 3 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 13 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

24-10-2025

State Gazette act Director changes

v3.2

25-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · volledig

2024

01-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · volledig

11-01-2024

State Gazette act Statutes amendment

v3.2

2023

16-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · volledig

2022

01-07-2022

NBB filing Annual accounts filed

fiscal year 2021 · volledig

2021

31-08-2021

NBB filing Annual accounts filed

fiscal year 2020 · volledig

2020

05-10-2020

NBB filing Annual accounts filed

fiscal year 2019 · volledig

2019

30-09-2019

NBB filing Annual accounts filed

fiscal year 2018 · volledig

2018

05-07-2018

NBB filing Annual accounts filed

fiscal year 2017 · micro

2017

29-06-2017

NBB filing Annual accounts filed

fiscal year 2016 · micro

2016

06-07-2016

NBB filing Annual accounts filed

fiscal year 2015 · volledig

2008

22-12-2008

State Gazette act Director changes

v3.2

Belgisch Staatsblad, acts 3 acts

All acts · 3 updated 9 months ago

2025

24-10-2025 Jean-François Marlière reappointed as director Director changes

Jean-François Marlière, Bestuurder

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_renew",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Jean-Fran\u00E7ois Marli\u00E8re",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Le mandat de Monsieur Jean-Fran\u00E7ois Marli\u00E8re, administrateur en personne physique de la Soci\u00E9t\u00E9, est confirm\u00E9 et maintenu."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0476.499.632",
    "name_full": "OPTIQUE MARLIERE",
    "legal_form": "SRL"
  }
}

2024

11-01-2024 Articles of association amended Statutes amendment

Summary: v3.2

Original publication ↗

Technical details

{
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "statute_change": {
    "name_change": false,
    "seat_change": false,
    "object_change": true,
    "effective_date": "2023-12-11",
    "legal_form_change": false
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0476.499.632",
    "name_full": "OPTIQUE MARLIERE",
    "legal_form": "SPRL"
  },
  "signature_regime": "solo",
  "special_mandates": [],
  "governance_change": {
    "admin_delegated_added": []
  }
}

2008

22-12-2008 Jean-François MARLIERE appointed as manager Director changes

Jean-François MARLIERE, Zaakvoerder

Summary: v3.2

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "director_in",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Jean-Fran\u00E7ois MARLIERE",
        "address": null,
        "birth_date": null
      },
      "evidence_quote": "Suite au d\u00E9c\u00E8s de Monsieur Christian MARLIERE (NN 44.01.27 005 19), g\u00E9rant de la soci\u00E9t\u00E9, d\u00E9c\u00E9d\u00E9 le 13/11/2008, l\u0027assembl\u00E9e appelle \u00E0 ces fonctions Monsieur Jean-Fran\u00E7ois MARLIERE (NN 73.05.29 001-18), domicili\u00E9 \u00E0 5080 La Bruy\u00E8re, rue De La Croix Emines, n\u00B08."
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0476.499.632",
    "name_full": "OPTIQUE MARLIERE",
    "legal_form": "SPRL"
  }
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Detailhandel in corrigerende brillen, lenzen en zonnebrillen47742Detailhandel in fotografische en optische artikelen en in precisieinstrumenten in gespecialiseerde winkels47782Gespecialiseerde detailhandel in optische en fotografische artikelen, foto- en filmapparatuur, optische en precisie-instrumenten52485

Primary activity highlighted.

Names & trade names

Legal nameFR

OPTIQUE MARLIERE

Registered office

Avenue Gouverneur Bovesse(JB) 33

5100 Namur, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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