OPTO-SELECT
ActiveSummary
The computed 12-month bankruptcy probability of OPTO-SELECT is 1.6% (moderate). The 2025 annual accounts show equity of €77,889 and a net result of -€7,688. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 18716 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability7▼-12
Solvency100=
Growth68=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 86.28 against 46.54 in 2024; short-term debt: 1.2% and cash: 1.4% of total assets), and 1.2% of the assets are financed with debt.
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Signals
Six 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.8%
Return on assets
-9.8%
Age of the figures
18 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
192021222425
2019 to 2025 · latest year -€7,688
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 08-10-2025, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
1 d early
2022
45 d late
2021
38 d late
2020
58 d late
2019
29 d late
2018
7 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 22 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 8 December (4 of the last 5 filed years within 39 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close30-09-2026 today31-10-2026 deadline
History
Go further with this company
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€13,792▼ 33.6%
2021 · €20,776
EBIT margin
1.7%▼ 23.5pp
2021 · 25.1%
Net result
-€7,688▼ 18.4%
2024 · -€6,495
Working capital
€77,889▼ 8.5%
2024 · €85,152
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220242025
Turnover€5,000€20,776▲ 316%€13,792▼ 33.6%
Operating result-€19,896€5,222€230▼ 95.6%-€7,675--€8,900▼ 16.0%
Net result-€17,005below the sector's middle half€7,931within the sector's middle half€3,427within the sector's middle half▼ 56.8%-€6,495below the sector's middle half--€7,688below the sector's middle half▼ 18.4%
EBIT margin-397.9%25.1%▲ 423.1pp1.7%▼ 23.5pp
Equity€50,617within the sector's middle half▼ 25.1%€60,285within the sector's middle half▲ 19.1%€63,713within the sector's middle half▲ 5.7%€85,577within the sector's middle half-€77,889within the sector's middle half▼ 9.0%
Total assets€58,804below the sector's middle half▼ 49.2%€66,877within the sector's middle half▲ 13.7%€73,266within the sector's middle half▲ 9.6%€87,447within the sector's middle half-€78,803within the sector's middle half▼ 9.9%
Debt€8,187▼ 83.0%€6,591▼ 19.5%€9,554▲ 44.9%€1,870-€913▼ 51.1%
Working capital-€6,794within the sector's middle half▼ 41.3%€5,145within the sector's middle half€9,312within the sector's middle half▲ 81.0%€85,152above the sector's middle half-€77,889within the sector's middle half▼ 8.5%
Solvency86.1%above the sector's middle half▲ 27.6pp90.1%above the sector's middle half▲ 4.1pp87.0%above the sector's middle half▼ 3.2pp97.9%above the sector's middle half-98.8%above the sector's middle half▲ 1.0pp
Current ratio0.17below the sector's middle half▼ 0.681.78within the sector's middle half▲ 1.611.97within the sector's middle half▲ 0.1946.54above the sector's middle half-86.28above the sector's middle half▲ 39.73
Return on assets (ROA)-28.9%below the sector's middle half▼ 49.7pp11.9%within the sector's middle half▲ 40.8pp4.7%within the sector's middle half▼ 7.2pp-7.4%below the sector's middle half--9.8%below the sector's middle half▼ 2.3pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8,900 in 2025 against €7,675 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €78,803
Equity
€77,889 ▼ 9.0%
Debt
€913 ▼ 51.1%
Debt's share of the balance-sheet total falls from 2.1% to 1.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€8,474
Cash flow
-€7,262
Debt to equity
0.01▼
2024 · 0.02
ROE
-9.9%▼
2024 · -7.6%
Interest coverage
-16.94
Debt ≤ 1 year
€913▼
2024 · €1,870
Income taxes
€624
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,910 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €5,000 | €20,776 | €13,792 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €36,552 | - | - | - |
| Remuneration, social security and pensions62 | - | - | €136 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,868 | €2,939 | €2,795 | - | €425 | - |
| Other operating charges640/8 | - | - | €2,523 | €5,363 | €2,315 | ▼ 56.8% |
| Gross operating margin9900 | €4,722 | €19,555 | €5,684 | -€2,312 | -€6,160 | ▼ 166% |
| Operating profit (loss)9901 | -€19,896 | €5,222 | €230 | -€7,675 | -€8,900 | ▼ 16.0% |
| Financial income75/76B | - | - | €3,513 | €2,213 | €2,336 | ▲ 5.5% |
| Recurring financial income75 | €2 | - | €0 | €2,213 | €2,336 | ▲ 5.5% |
| Non-recurring financial income76B | - | - | €3,513 | - | - | - |
| Financial charges65/66B | - | - | €276 | €1,033 | €500 | ▼ 51.6% |
| Recurring financial charges65 | €121 | €73 | €276 | €1,033 | €500 | ▼ 51.6% |
| Profit (loss) for the period before taxes9903 | -€17,079 | €7,931 | €3,467 | -€6,495 | -€7,064 | ▼ 8.8% |
| Income taxes67/77 | -€74 | €0 | €39 | - | €624 | - |
| Profit (loss) for the period9904 | -€17,005 | €7,931 | €3,427 | -€6,495 | -€7,688 | ▼ 18.4% |
| Profit (loss) for the period to be appropriated9905 | -€17,005 | €7,931 | €3,427 | -€6,495 | -€7,688 | ▼ 18.4% |
| Line | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €58,804 | €66,877 | €73,266 | €87,447 | €78,803 | ▼ 9.9% |
| Fixed assets21/28 | €57,411 | €55,141 | €54,400 | €425 | - | - |
| Tangible fixed assets22/27 | €57,411 | €55,141 | €54,400 | €425 | - | - |
| Land and buildings22 | - | - | €52,000 | - | - | - |
| Plant, machinery and equipment23 | - | - | €313 | - | - | - |
| Furniture and vehicles24 | - | - | €2,088 | €425 | - | - |
| Current assets29/58 | €1,393 | €11,736 | €18,866 | €87,021 | €78,803 | ▼ 9.4% |
| Amounts receivable within one year40/41 | €7 | €6 | €8 | €86,304 | €77,167 | ▼ 10.6% |
| Trade receivables40 | - | - | - | €2,097 | - | - |
| Other amounts receivable41 | - | - | €8 | €84,207 | €77,167 | ▼ 8.4% |
| Cash at bank and in hand54/58 | €1,386 | €8,067 | €13,749 | €718 | €1,108 | ▲ 54.3% |
| Deferred charges and accrued income490/1 | - | - | €5,109 | - | €528 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €58,804 | €66,877 | €73,266 | €87,447 | €78,803 | ▼ 9.9% |
| Equity10/15 | €50,617 | €60,285 | €63,713 | €85,577 | €77,889 | ▼ 9.0% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Capital10 | - | - | €12,400 | - | - | - |
| Issued capital100 | - | - | €18,600 | - | - | - |
| Uncalled capital101 | - | - | €6,200 | - | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | - | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | - | - | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €36,357 | €46,025 | €49,453 | €71,317 | €63,629 | ▼ 10.8% |
| Amounts payable17/49 | €8,187 | €6,591 | €9,554 | €1,870 | €913 | ▼ 51.1% |
| Amounts payable within one year42/48 | €8,187 | €6,591 | €9,554 | €1,870 | €913 | ▼ 51.1% |
| Trade debts44 | €254 | €25 | €75 | €1,870 | €606 | ▼ 67.6% |
| Suppliers440/4 | - | - | €75 | €1,870 | €606 | ▼ 67.6% |
| Advances received on contracts in progress46 | - | - | €2,500 | - | - | - |
| Taxes, remuneration and social security45 | - | - | €3,076 | - | €307 | - |
| Taxes450/3 | - | - | €3,076 | - | €307 | - |
| Other amounts payable47/48 | - | - | €3,903 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€17,005 | €7,931 | €3,427 | -€6,495 | -€7,688 | ▼ 18.4% |
| + Depreciation and write-downs630 | €2,868 | €2,939 | €2,795 | - | €425 | - |
| Operating cash flow (approximation) | -€14,137 | €10,870 | €6,222 | -€6,495 | -€7,262 | ▼ 11.8% |
| Investment in fixed assets (approximation) | - | -€669 | -€2,055 | - | - | - |
| Change in cash | - | €6,681 | €5,681 | - | €390 | - |
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
2025
08-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Liquidity times 24current ratio 46.54
Current ratio from 1.97 to 46.54; short-term debt falls from €9,554 to €1,870.
2022
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 45 days late
2021
08-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 38 days late
31-03
Financial
Back to profitnet €7,931
Net result €7,931 after one loss-making year.
31-03
Financial
Liquidity times 10current ratio 1.78
Current ratio from 0.17 to 1.78; short-term debt falls from €8,187 to €6,591.
2020
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
31-03
Financial
Weakest financial yearnet -€17,005
Net result drops to -€17,005, the lowest in the series; recovery starts the following year.
2019
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2018
07-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2017
14-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2016
25-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
2015
30-11
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Anderlecht · 1 establishment unit since 2011
Ground area
282 m²
Building footprint
160 m²
Volume, LiDAR
2,010 m³
2 parcels, Brussels · tallest building 16.7 m, ±5 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
OPTO-SELECT
since 20112.197.766.117
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614H0005/00L034 | Brussels | 214 m² | 1 · 89 m² | 16.7 m · 5 fl. |
| 21308H0605/00B002 | Brussels | 68 m² | 1 · 71 m² | 13.5 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,734 companies in sector 47742 we hold annual accounts for 1,140. 983 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 (pre-2019)
Founded22-03-2011
Fiscal year end31-03
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
Contact
E-mail
m.mouzouri@hotmail.frUkkel
E-invoicing
Reachable via Peppol
Peppol ID
0208:0834724194
Also
9925:BE0834724194
Registered
09-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.