OTTICA COMETTI
ActiveSummary
The computed 12-month bankruptcy probability of OTTICA COMETTI is 2.0% (moderate). The 2025 annual accounts show equity of €9k and a net result of €21k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 18400 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability84▼-16
Solvency30▼-70
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
5%
Return on assets
12.4%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
9 d early
2024
6 d early
2023
12 d early
2022
34 d early
← 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
€9k▼ 90.9%
2024 · €93k
2022: €37k
2023: €55k▲ +50.2% vs 2022
2024: €93k▲ +69.5% vs 2023highest in 4 years
2025: €9k▼ -90.9% vs 2024lowest in 4 years
2022 → 2025
Total assets
€170k▲ 47.1%
2024 · €116k
2022: €57klowest in 4 years
2023: €81k▲ +42.7% vs 2022
2024: €116k▲ +42.7% vs 2023
2025: €170k▲ +47.1% vs 2024highest in 4 years
2022 → 2025
Net result
€21k▼ 44.9%
2024 · €38k
2022: €28k
2023: €18k▼ -34.7% vs 2022lowest in 4 years
2024: €38k▲ +108% vs 2023highest in 4 years
2025: €21k▼ -44.9% vs 2024
2022 → 2025
Working capital
€-16k
2024 · €58k
2022: €2k
2023: €13k▲ +439% vs 2022
2024: €58k▲ +338% vs 2023highest in 4 years
2025: €-16k▼ -127% vs 2024lowest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€37k-€55k▲ 50.2%€93k▲ 69.5%€9k▼ 90.9%
2022: €37k
2023: €55k▲ +50.2% vs 2022
2024: €93k▲ +69.5% vs 2023highest in 4 years
2025: €9k▼ -90.9% vs 2024lowest in 4 years
Operating result€35k-€25k▼ 30.2%€49k▲ 99.9%€24k▼ 51.5%
2022: €35k
2023: €25k▼ -30.2% vs 2022
2024: €49k▲ +99.9% vs 2023highest in 4 years
2025: €24k▼ -51.5% vs 2024lowest in 4 years
Net result€28k-€18k▼ 34.7%€38k▲ 108%€21k▼ 44.9%
2022: €28k
2023: €18k▼ -34.7% vs 2022lowest in 4 years
2024: €38k▲ +108% vs 2023highest in 4 years
2025: €21k▼ -44.9% vs 2024
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 52% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €170k
Fixed assets
€24k ▼ 31.5%
Current assets
€146k ▲ 81.8%
Equity and liabilities €170k
Equity
€9k ▼ 90.9%
Debt
€161k ▲ 623%
Debt's share of the balance-sheet total rises from 19.3% to 95.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€37k▼
2024 · €66k
Cash flow
€34k▼
2024 · €54k
Current ratio
0.90▼
2024 · 3.59
Debt to equity
18.99▲
2024 · 0.24
ROE
247.7%▲
2024 · 41.0%
ROA
12.4%▼
2024 · 33.1%
Interest coverage
102.37▼
2024 · 237.79
Debt ≤ 1 year
€161k▲
2024 · €22k
Income taxes
€7k▼
2024 · €13k
Staff costs
€143k▲
2024 · €106k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€116k€170k▲
Fixed assets21/28€35k€24k▼
Tangible fixed assets22/27€33k€22k▼
Plant, machinery and equipment23€2k€551▼
Furniture and vehicles24€31k€22k▼
Financial fixed assets28€2k€2k=
Current assets29/58€80k€146k▲
Amounts receivable within one year40/41€59k€130k▲
Trade receivables40€8k€12k▲
Other amounts receivable41€51k€118k▲
Cash at bank and in hand54/58€20k€15k▼
Deferred charges and accrued income490/1€846-
Equity and liabilities
Total equity and liabilities10/49€116k€170k▲
Equity10/15€93k€9k▼
Contributions10/11€9k€9k=
Profit (loss) carried forward14€85k-
Amounts payable17/49€22k€161k▲
Amounts payable within one year42/48€22k€161k▲
Trade debts44€3k€11k▲
Suppliers440/4€3k€11k▲
Taxes, remuneration and social security45€19k€61k▲
Taxes450/3€9k€45k▲
Remuneration and social security454/9€10k€15k▲
Other amounts payable47/48-€90k
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€148k€125k▼
Remuneration, social security and pensions62€106k€143k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€13k▼
Other operating charges640/8-€153
Gross operating margin9900€171k€180k▲
Operating profit (loss)9901€49k€24k▼
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€275€357▲
Recurring financial charges65€275€357▲
Profit (loss) for the period before taxes9903€51k€28k▼
Income taxes67/77€13k€7k▼
Profit (loss) for the period9904€38k€21k▼
Profit (loss) for the period to be appropriated9905€38k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€85k€106k▲
Profit (loss) brought forward from the previous period14P€46k€85k▲
Profit to be distributed694/7-€106k
Return on contributions (dividend)694-€106k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €54k | €90k | €148k | €125k | ▼ 15.4% |
| Remuneration, social security and pensions62 | €4k | €23k | €106k | €143k | ▲ 35.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €12k | €16k | €13k | ▼ 21.9% |
| Other operating charges640/8 | - | - | - | €153 | - |
| Gross operating margin9900 | €45k | €61k | €171k | €180k | ▲ 5.1% |
| Operating profit (loss)9901 | €35k | €25k | €49k | €24k | ▼ 51.5% |
| Financial income75/76B | - | - | €2k | €5k | ▲ 159% |
| Recurring financial income75 | - | - | €2k | €5k | ▲ 159% |
| Financial charges65/66B | €72 | €118 | €275 | €357 | ▲ 29.6% |
| Recurring financial charges65 | €72 | €118 | €275 | €357 | ▲ 29.6% |
| Profit (loss) for the period before taxes9903 | €35k | €25k | €51k | €28k | ▼ 44.6% |
| Income taxes67/77 | €7k | €6k | €13k | €7k | ▼ 43.7% |
| Profit (loss) for the period9904 | €28k | €18k | €38k | €21k | ▼ 44.9% |
| Profit (loss) for the period to be appropriated9905 | €28k | €18k | €38k | €21k | ▼ 44.9% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €57k | €81k | €116k | €170k | ▲ 47.1% |
| Formation expenses20 | €666 | €333 | - | - | - |
| Fixed assets21/28 | €33k | €41k | €35k | €24k | ▼ 31.5% |
| Tangible fixed assets22/27 | €33k | €41k | €33k | €22k | ▼ 33.4% |
| Plant, machinery and equipment23 | €747 | €3k | €2k | €551 | ▼ 73.8% |
| Furniture and vehicles24 | €33k | €38k | €31k | €22k | ▼ 30.7% |
| Financial fixed assets28 | - | - | €2k | €2k | = |
| Current assets29/58 | €23k | €39k | €80k | €146k | ▲ 81.8% |
| Amounts receivable within one year40/41 | €21k | €28k | €59k | €130k | ▲ 121% |
| Trade receivables40 | €19k | €18k | €8k | €12k | ▲ 58.0% |
| Other amounts receivable41 | €3k | €10k | €51k | €118k | ▲ 131% |
| Cash at bank and in hand54/58 | €426 | €11k | €20k | €15k | ▼ 24.5% |
| Deferred charges and accrued income490/1 | €758 | €793 | €846 | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €57k | €81k | €116k | €170k | ▲ 47.1% |
| Equity10/15 | €37k | €55k | €93k | €9k | ▼ 90.9% |
| Contributions10/11 | €9k | €9k | €9k | €9k | = |
| Profit (loss) carried forward14 | €28k | €46k | €85k | - | - |
| Amounts payable17/49 | €20k | €26k | €22k | €161k | ▲ 623% |
| Amounts payable within one year42/48 | €20k | €26k | €22k | €161k | ▲ 623% |
| Trade debts44 | €4k | €8k | €3k | €11k | ▲ 226% |
| Suppliers440/4 | €4k | €8k | €3k | €11k | ▲ 226% |
| Taxes, remuneration and social security45 | €5k | €18k | €19k | €61k | ▲ 219% |
| Taxes450/3 | €3k | €13k | €9k | €45k | ▲ 419% |
| Remuneration and social security454/9 | €2k | €5k | €10k | €15k | ▲ 49.2% |
| Other amounts payable47/48 | €10k | - | - | €90k | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28k | €18k | €38k | €21k | ▼ 44.9% |
| + Depreciation and write-downs630 | €5k | €12k | €16k | €13k | ▼ 21.9% |
| Operating cash flow (approximation) | €34k | €31k | €54k | €34k | ▼ 38.1% |
| Investment in fixed assets (approximation) | - | €-20k | €-10k | €-2k | ▲ 85.2% |
| Change in cash | - | €10k | €10k | €-5k | ▼ 151% |
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €38k ▲108%
Operating result €49k, net result €38k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.59
Current ratio from 1.51 to 3.59; short-term debt falls from €26k to €22k.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €18k ▼34.7%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Chaumont-Gistoux · 1 establishment unit since 2022
Ground area
970 m²
Building footprint
200 m²
Volume, LiDAR
2,191 m³
2 parcels, Wallonia · tallest building 19.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Pearle Namur
since 20222.328.870.624
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25018B0288/00P007 | Wallonia | 792 m² | 1 · 107 m² | 7.2 m · 2 fl. |
| 92094C1510/00G000 | Wallonia | 178 m² | 1 · 93 m² | 19.5 m · 6 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 1,730 companies in sector 47742 we hold annual accounts for 1,138. 437 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
Founded16-03-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
33130Repair, maintenance and installation of machinery and equipment
47783Retail trade
Contact
E-mail
cometti.gia@gmail.com
Phone
+32475574273
Scores and ratios are computed by Checked and are not a credit decision.