OPTISIM

Active

Private limited companyfounded 20215 yrs activeAvenue des Alliés 35J, 4960 Malmedy, BelgiumKBO/BCE: BE 0761.891.943

The computed 12-month bankruptcy probability of OPTISIM is 1.6% (moderate). The 2025 annual accounts show equity of €222k and a net result of €208k. Equity is growing by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 43% of 17964 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

83 / 100

Excellent▼ -17 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency45▼-55

Growth58▼-20

Stability94

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €18k at 30 days acceptable

Liquidity tight (current ratio 1.21 against 4.23 in 2024), and 73.7% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

26.3%

Return on assets

24.7%

Age of the figures

11 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

31 d early

2024

14 d early

2023

27 d early

2022

128 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

12-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€208k▲ 5.9%

2024 · €197k

2022: €192k 2023: €138k 2024: €197k

2022 → 2025

Working capital

€133k▼ 70.7%

2024 · €452k

2022: €181k 2023: €272k 2024: €452k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€222k-€360k▲ 62.1%€557k▲ 54.6%€222k▼ 60.1%

Operating result€264k-€177k▼ 32.9%€254k▲ 43.6%€261k▲ 2.6%

Net result€192k-€138k▼ 28.2%€197k▲ 42.6%€208k▲ 5.9%

Result per fiscal year

Operating resultNet result

After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €843k

11%

89.4%

Fixed assets €89k▼ 21.2%

Current assets €754k▲ 27.4%

Equity and liabilities €843k

26.3%

73.7%

Equity €222k▼ 60.1%

Debt €621k▲ 317%

The debt ratio rises from 21.1% to 73.7%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€307k▲

2024 · €301k

Cash flow

€255k▲

2024 · €244k

Solvency

26.3%▼

2024 · 78.9%

Current ratio

1.21▼

2024 · 4.23

Quick ratio

1.05▼

2024 · 3.57

Debt / equity

2.80▲

2024 · 0.27

ROE

93.8%▲

2024 · 35.3%

ROA

24.7%▼

2024 · 27.9%

Interest coverage

419.27▼

2024 · 442.20

Debt

€621k▲

2024 · €149k

Debt ≤ 1 year

€621k▲

2024 · €140k

Income taxes

€65k▲

2024 · €60k

Staff costs

€86k▲

2024 · €71k

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€706k€843k▲

Fixed assets21/28€114k€89k▼

Intangible fixed assets21€3k€2k▼

Tangible fixed assets22/27€110k€87k▼

Plant, machinery and equipment23€18k€30k▲

Furniture and vehicles24€51k€36k▼

Other tangible fixed assets26€41k€21k▼

Current assets29/58€592k€754k▲

Stocks and contracts in progress3€93k€101k▲

Stocks30/36€93k€101k▲

Amounts receivable within one year40/41€1k€2k▲

Trade receivables40-€109

Other amounts receivable41€1k€1k▲

Current investments50/53€250k€350k▲

Cash at bank and in hand54/58€247k€300k▲

Deferred charges and accrued income490/1€1k€1k▲

Equity and liabilities

Total equity and liabilities10/49€706k€843k▲

Equity10/15€557k€222k▼

Contributions10/11€30k€30k=

Reserves13€527k€192k▼

Distributable reserves133€527k€192k▼

Amounts payable17/49€149k€621k▲

Amounts payable after more than one year17€9k-

Financial debts170/4€9k-

Amounts payable within one year42/48€140k€621k▲

Current portion of amounts payable after more than one year42€43k€10k▼

Trade debts44€43k€28k▼

Suppliers440/4€43k€28k▼

Taxes, remuneration and social security45€53k€40k▼

Taxes450/3€38k€33k▼

Remuneration and social security454/9€16k€7k▼

Other amounts payable47/48-€543k

Income statement Code20242025

Remuneration, social security and pensions62€71k€86k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€46k▼

Other operating charges640/8€1k€1k▲

Gross operating margin9900€374k€394k▲

Operating profit (loss)9901€254k€261k▲

Financial income75/76B€4k€13k▲

Recurring financial income75€4k€13k▲

Financial charges65/66B€682€732▲

Recurring financial charges65€682€732▲

Profit (loss) for the period before taxes9903€257k€273k▲

Income taxes67/77€60k€65k▲

Profit (loss) for the period9904€197k€208k▲

Profit (loss) for the period to be appropriated9905€197k€208k▲

Appropriation of the result

Profit (loss) to be appropriated9906€197k€208k▲

Transfer from equity791/2-€335k

Transfer to equity691/2€197k-

To other reserves6921€197k-

Profit to be distributed694/7-€543k

Return on contributions (dividend)694-€543k

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 30-04-2027

2026

30-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Highest result since 2022net €208k ▲5.9%

Net result €208k, the highest in the series.

16-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-09

Financial Equity above €500kEq €557k ▲54.6%

3 profitable years in a row build equity to €557k.

03-04

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-09

Financial Weakest financial yearnet €138k ▼28.2%

Net result drops to €138k, the lowest in the series; recovery starts the following year.

2022

23-12

NBB filing Annual accounts filed

fiscal year 2022 · full schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Malmedy · 1 establishment unit since 2021

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.

Avenue des Alliés 35J4960 Malmedy

Ground area

691 m²

Building footprint

214 m²

Volume, LiDAR

2,016 m³

2 parcels, Wallonia · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Steve Simon Opticien

Place Albert Ier 1, 4960 MalmedyRepair, maintenance and installation of machinery and equipment

since 20212.312.964.901

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63049C0475/00E000	Wallonia	503 m²	1 · 137 m²	12.1 m · 3 fl.
63049D0281/00T002	Wallonia	188 m²	1 · 78 m²	11.8 m · 3 fl.

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.

Similar companies · same sector, comparable size

Of 1,724 companies in sector 47742 we hold annual accounts for 1,136. 936 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded21-01-2021

Fiscal year end30-09

Activities, NACEBEL

47742Retail sale of prescription glasses, lenses and sunglasses

47782Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.