OPTIVAN
ActiveSummary
OPTIVAN has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €925k and a net result of €117k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▲+21
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 5.87 against 10.09 in 2024; short-term debt: 16.8% and cash: 30.1% of total assets), and 16.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
83.2%
Return on assets
10.5%
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 27-04-2026, 95 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
95 d early
2024
29 d early
2023
21 d early
2022
17 d early
2021
6 d early
2020
23 d early
2019
6 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€925k=
2024 · €925k
2018: €583klowest in 8 years
2019: €722k▲ +23.9% vs 2018
2020: €869k▲ +20.3% vs 2019
2021: €892k▲ +2.7% vs 2020
2022: €910k▲ +2.0% vs 2021
2023: €942k▲ +3.5% vs 2022highest in 8 years
2024: €925k▼ -1.8% vs 2023
2025: €925k● +0.0% vs 2024
2018 → 2025
Total assets
€1.11M▲ 8.7%
2024 · €1.02M
2018: €631klowest in 8 years
2019: €760k▲ +20.5% vs 2018
2020: €952k▲ +25.3% vs 2019
2021: €1.01M▲ +5.7% vs 2020
2022: €1.01M▲ +0.4% vs 2021
2023: €1.01M● +0.0% vs 2022
2024: €1.02M▲ +1.2% vs 2023
2025: €1.11M▲ +8.7% vs 2024highest in 8 years
2018 → 2025
Net result
€117k▲ 22.5%
2024 · €96k
2018: €112k
2019: €139k▲ +24.1% vs 2018
2020: €147k▲ +5.3% vs 2019
2021: €225k▲ +53.2% vs 2020highest in 8 years
2022: €107k▼ -52.3% vs 2021
2023: €136k▲ +27.2% vs 2022
2024: €96k▼ -29.9% vs 2023lowest in 8 years
2025: €117k▲ +22.5% vs 2024
2018 → 2025
Working capital
€908k▲ 3.4%
2024 · €878k
2018: €475klowest in 8 years
2019: €644k▲ +35.5% vs 2018
2020: €738k▲ +14.5% vs 2019
2021: €712k▼ -3.5% vs 2020
2022: €776k▲ +9.0% vs 2021
2023: €853k▲ +10.0% vs 2022
2024: €878k▲ +2.9% vs 2023
2025: €908k▲ +3.4% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€892k-€910k▲ 2.0%€942k▲ 3.5%€925k▼ 1.8%€925k=
2021: €892klowest in 5 years
2022: €910k▲ +2.0% vs 2021
2023: €942k▲ +3.5% vs 2022highest in 5 years
2024: €925k▼ -1.8% vs 2023
2025: €925k● +0.0% vs 2024
Operating result€289k-€202k▼ 30.2%€186k▼ 8.0%€108k▼ 41.7%€116k▲ 7.1%
2021: €289khighest in 5 years
2022: €202k▼ -30.2% vs 2021
2023: €186k▼ -8.0% vs 2022
2024: €108k▼ -41.7% vs 2023lowest in 5 years
2025: €116k▲ +7.1% vs 2024
Net result€225k-€107k▼ 52.3%€136k▲ 27.2%€96k▼ 29.9%€117k▲ 22.5%
2021: €225khighest in 5 years
2022: €107k▼ -52.3% vs 2021
2023: €136k▲ +27.2% vs 2022
2024: €96k▼ -29.9% vs 2023lowest in 5 years
2025: €117k▲ +22.5% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€17k ▼ 63.9%
Current assets
€1.09M ▲ 12.2%
Equity and liabilities €1.11M
Equity
€925k =
Debt
€186k ▲ 91.6%
Debt's share of the balance-sheet total rises from 9.5% to 16.8%. Debt is higher.
Key figures and ratios
EBITDA
€146k▼
2024 · €153k
Cash flow
€147k▲
2024 · €140k
Current ratio
5.87▼
2024 · 10.09
Quick ratio
5.64▼
2024 · 9.60
Debt to equity
0.20▲
2024 · 0.11
ROE
12.7%▲
2024 · 10.3%
ROA
10.5%▲
2024 · 9.3%
Interest coverage
44.59▲
2024 · -78.80
Debt ≤ 1 year
€186k▲
2024 · €97k
Income taxes
€38k▲
2024 · €36k
Staff costs
€81k▼
2024 · €84k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.02M€1.11M▲
Fixed assets21/28€47k€17k▼
Tangible fixed assets22/27€47k€17k▼
Furniture and vehicles24€34k€17k▼
Other tangible fixed assets26€13k-
Current assets29/58€975k€1.09M▲
Stocks and contracts in progress3€48k€42k▼
Stocks30/36€48k€42k▼
Amounts receivable within one year40/41€31k€30k▼
Trade receivables40€0€28k▲
Other amounts receivable41€31k€2k▼
Current investments50/53€516k€684k▲
Cash at bank and in hand54/58€377k€334k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.02M€1.11M▲
Equity10/15€925k€925k=
Contributions10/11€19k€19k=
Reserves13€906k€906k=
Distributable reserves133€906k€906k=
Profit (loss) carried forward14€0-
Amounts payable17/49€97k€186k▲
Amounts payable within one year42/48€97k€186k▲
Trade debts44€63k€35k▼
Suppliers440/4€63k€35k▼
Taxes, remuneration and social security45€33k€41k▲
Taxes450/3€22k€23k▲
Remuneration and social security454/9€11k€18k▲
Other amounts payable47/48-€111k
Accrued charges and deferred income492/3€750-
Income statement
Code20242025
Remuneration, social security and pensions62€84k€81k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€30k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€240k€229k▼
Operating profit (loss)9901€108k€116k▲
Financial income75/76B€21k€43k▲
Recurring financial income75€21k€43k▲
Financial charges65/66B€-2k€3k▲
Recurring financial charges65€-2k€3k▲
Profit (loss) for the period before taxes9903€131k€155k▲
Income taxes67/77€36k€38k▲
Profit (loss) for the period9904€96k€117k▲
Profit (loss) for the period to be appropriated9905€96k€117k▲
Appropriation of the result
Profit (loss) to be appropriated9906€96k€117k▲
Transfer from equity791/2€112k€117k▲
Transfer to equity691/2€96k€117k▲
To other reserves6921€96k€117k▲
Profit to be distributed694/7€112k€117k▲
Return on contributions (dividend)694€112k€117k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €57k | €74k | €66k | €84k | €81k | ▼ 3.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €32k | €46k | €46k | €45k | €30k | ▼ 32.5% |
| Other operating charges640/8 | €2k | €2k | €2k | €2k | €1k | ▼ 37.8% |
| Gross operating margin9900 | €380k | €324k | €299k | €240k | €229k | ▼ 4.5% |
| Operating profit (loss)9901 | €289k | €202k | €186k | €108k | €116k | ▲ 7.1% |
| Financial income75/76B | €37k | €14k | €13k | €21k | €43k | ▲ 103% |
| Recurring financial income75 | €37k | €14k | €13k | €21k | €43k | ▲ 103% |
| Financial charges65/66B | €858 | €48k | €6k | €-2k | €3k | ▲ 269% |
| Recurring financial charges65 | €858 | €48k | €6k | €-2k | €3k | ▲ 269% |
| Profit (loss) for the period before taxes9903 | €325k | €168k | €192k | €131k | €155k | ▲ 18.3% |
| Income taxes67/77 | €100k | €61k | €56k | €36k | €38k | ▲ 7.2% |
| Profit (loss) for the period9904 | €225k | €107k | €136k | €96k | €117k | ▲ 22.5% |
| Profit (loss) for the period to be appropriated9905 | €225k | €107k | €136k | €96k | €117k | ▲ 22.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.01M | €1.01M | €1.01M | €1.02M | €1.11M | ▲ 8.7% |
| Fixed assets21/28 | €180k | €134k | €88k | €47k | €17k | ▼ 63.9% |
| Tangible fixed assets22/27 | €180k | €134k | €88k | €47k | €17k | ▼ 63.9% |
| Plant, machinery and equipment23 | €611 | €167 | €0 | - | - | - |
| Furniture and vehicles24 | €127k | €95k | €62k | €34k | €17k | ▼ 50.0% |
| Other tangible fixed assets26 | €53k | €40k | €26k | €13k | - | - |
| Current assets29/58 | €826k | €875k | €921k | €975k | €1.09M | ▲ 12.2% |
| Stocks and contracts in progress3 | €31k | €37k | €39k | €48k | €42k | ▼ 12.1% |
| Stocks30/36 | €31k | €37k | €39k | €48k | €42k | ▼ 12.1% |
| Amounts receivable within one year40/41 | €433 | €9k | €12k | €31k | €30k | ▼ 2.9% |
| Trade receivables40 | €408 | €0 | €590 | €0 | €28k | - |
| Other amounts receivable41 | €25 | €9k | €11k | €31k | €2k | ▼ 92.1% |
| Current investments50/53 | €300k | €316k | €655k | €516k | €684k | ▲ 32.5% |
| Cash at bank and in hand54/58 | €475k | €484k | €213k | €377k | €334k | ▼ 11.3% |
| Deferred charges and accrued income490/1 | €19k | €30k | €3k | €3k | €4k | ▲ 29.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.01M | €1.01M | €1.01M | €1.02M | €1.11M | ▲ 8.7% |
| Equity10/15 | €892k | €910k | €942k | €925k | €925k | = |
| Contributions10/11 | €19k | €19k | €20k | €19k | €19k | = |
| Reserves13 | €874k | €891k | €921k | €906k | €906k | = |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | €872k | €890k | €921k | €906k | €906k | = |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | - | - |
| Amounts payable17/49 | €114k | €100k | €68k | €97k | €186k | ▲ 91.6% |
| Amounts payable within one year42/48 | €114k | €100k | €68k | €97k | €186k | ▲ 93.1% |
| Trade debts44 | €40k | €55k | €28k | €63k | €35k | ▼ 45.2% |
| Suppliers440/4 | €40k | €55k | €28k | €63k | €35k | ▼ 45.2% |
| Taxes, remuneration and social security45 | €65k | €36k | €40k | €33k | €41k | ▲ 22.2% |
| Taxes450/3 | €55k | €21k | €24k | €22k | €23k | ▲ 3.8% |
| Remuneration and social security454/9 | €10k | €15k | €16k | €11k | €18k | ▲ 58.5% |
| Other amounts payable47/48 | €9k | €9k | €0 | - | €111k | - |
| Accrued charges and deferred income492/3 | €0 | - | - | €750 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €225k | €107k | €136k | €96k | €117k | ▲ 22.5% |
| + Depreciation and write-downs630 | €32k | €46k | €46k | €45k | €30k | ▼ 32.5% |
| Operating cash flow (approximation) | €257k | €153k | €182k | €140k | €147k | ▲ 4.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-4k | €0 | ▲ 100% |
| Change in cash | - | €9k | €-271k | €164k | €-42k | ▼ 126% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €96k ▼29.9%
Net result drops to €96k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €225k ▲53.2%
Operating result €289k, net result €225k, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Lommel · 1 establishment unit since 2007
Ground area
327 m²
Building footprint
255 m²
Volume, LiDAR
1,922 m³
Parcel 72020C0747/00Y002, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Optivan
since 20072.166.145.701
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C0747/00Y002 | Flanders | 327 m² | 1 · 255 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
967600ZC23Z96GPPE318
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Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 656 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-02-2005
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
Scores and ratios are computed by Checked and are not a credit decision.