OTTICO
ActiveSummary
OTTICO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €20k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 60% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability89▲+23
Solvency70▼-23
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 2.83 in 2024; short-term debt: 53.4% and cash: 60.5% of total assets), but 54.6% of the assets are financed with debt.
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 · 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 · 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
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
45.4%
Return on assets
16.6%
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 28-05-2026, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
86 d early
2023
29 d late
2022
59 d early
2021
44 d early
2020
4 d early
2019
51 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
€55k▼ 21.1%
2024 · €69k
2018: €16klowest in 8 years
2019: €52k▲ +216% vs 2018
2020: €77k▲ +48.4% vs 2019
2021: €111k▲ +43.7% vs 2020highest in 8 years
2022: €100k▼ -10.0% vs 2021
2023: €80k▼ -20.3% vs 2022
2024: €69k▼ -13.1% vs 2023
2025: €55k▼ -21.1% vs 2024
2018 → 2025
Total assets
€120k▲ 17.6%
2024 · €102k
2018: €36klowest in 8 years
2019: €64k▲ +79.9% vs 2018
2020: €97k▲ +52.3% vs 2019
2021: €131k▲ +35.0% vs 2020
2022: €135k▲ +2.5% vs 2021highest in 8 years
2023: €114k▼ -15.5% vs 2022
2024: €102k▼ -10.2% vs 2023
2025: €120k▲ +17.6% vs 2024
2018 → 2025
Net result
€20k
2024 · €-2k
2018: €6k
2019: €36k▲ +461% vs 2018highest in 8 years
2020: €28k▼ -20.7% vs 2019
2021: €34k▲ +19.9% vs 2020
2022: €-6k▼ -117% vs 2021
2023: €-20k▼ -254% vs 2022lowest in 8 years
2024: €-2k▲ +88.1% vs 2023
2025: €20k▲ +931% vs 2024
2018 → 2025
Working capital
€49k▼ 16.3%
2024 · €58k
2018: €14klowest in 8 years
2019: €46k▲ +234% vs 2018
2020: €74k▲ +61.7% vs 2019
2021: €105k▲ +42.4% vs 2020highest in 8 years
2022: €95k▼ -9.7% vs 2021
2023: €77k▼ -18.8% vs 2022
2024: €58k▼ -24.6% vs 2023
2025: €49k▼ -16.3% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€100k▼ 10.0%€80k▼ 20.3%€69k▼ 13.1%€55k▼ 21.1%
2021: €111khighest in 5 years
2022: €100k▼ -10.0% vs 2021
2023: €80k▼ -20.3% vs 2022
2024: €69k▼ -13.1% vs 2023
2025: €55k▼ -21.1% vs 2024lowest in 5 years
Operating result€47k-€-4k€-20k▼ 337%€-2k▲ 89.5%€25k
2021: €47khighest in 5 years
2022: €-4k▼ -110% vs 2021
2023: €-20k▼ -337% vs 2022lowest in 5 years
2024: €-2k▲ +89.5% vs 2023
2025: €25k▲ +1295% vs 2024
Net result€34k-€-6k€-20k▼ 254%€-2k▲ 88.1%€20k
2021: €34khighest in 5 years
2022: €-6k▼ -117% vs 2021
2023: €-20k▼ -254% vs 2022lowest in 5 years
2024: €-2k▲ +88.1% vs 2023
2025: €20k▲ +931% 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 returns to profit in 2025: €25k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€7k ▼ 40.4%
Current assets
€113k ▲ 25.6%
Equity and liabilities €120k
Equity
€55k ▼ 21.1%
Debt
€66k ▲ 98.5%
Debt's share of the balance-sheet total rises from 32.3% to 54.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€30k▲
2024 · €2k
Cash flow
€25k▲
2024 · €2k
Current ratio
1.76▼
2024 · 2.83
Debt to equity
1.20▲
2024 · 0.48
ROE
36.5%▲
2024 · -3.5%
ROA
16.6%▲
2024 · -2.3%
Interest coverage
188.25▲
2024 · 9.42
Debt ≤ 1 year
€64k▲
2024 · €32k
Income taxes
€5k▲
2024 · €315
Staff costs
€179k▲
2024 · €120k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€102k€120k▲
Fixed assets21/28€12k€7k▼
Tangible fixed assets22/27€12k€7k▼
Plant, machinery and equipment23€1k€636▼
Furniture and vehicles24€8k€4k▼
Other tangible fixed assets26€3k€3k▼
Current assets29/58€90k€113k▲
Amounts receivable within one year40/41€27k€28k▲
Trade receivables40€24k€22k▼
Other amounts receivable41€3k€5k▲
Current investments50/53€9k€9k=
Cash at bank and in hand54/58€51k€73k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€102k€120k▲
Equity10/15€69k€55k▼
Reserves13€96k€62k▼
Distributable reserves133€96k€62k▼
Profit (loss) carried forward14€-27k€-7k▲
Amounts payable17/49€33k€66k▲
Amounts payable within one year42/48€32k€64k▲
Trade debts44€9k€10k▲
Suppliers440/4€9k€10k▲
Taxes, remuneration and social security45€20k€37k▲
Taxes450/3€12k€16k▲
Remuneration and social security454/9€8k€21k▲
Other amounts payable47/48€3k€17k▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€120k€179k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€124k€210k▲
Operating profit (loss)9901€-2k€25k▲
Financial income75/76B€231€333▲
Recurring financial income75€231€333▲
Financial charges65/66B€258€157▼
Recurring financial charges65€258€157▼
Profit (loss) for the period before taxes9903€-2k€25k▲
Income taxes67/77€315€5k▲
Profit (loss) for the period9904€-2k€20k▲
Profit (loss) for the period to be appropriated9905€-2k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€-7k▲
Profit (loss) brought forward from the previous period14P€-25k€-27k▼
Transfer from equity791/2€2k€35k▲
Profit to be distributed694/7€2k€35k▲
Return on contributions (dividend)694-€35k
Directors or managers695€2k-
The notes to these accounts (5 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 | €99k | €101k | €88k | €120k | €179k | ▲ 48.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €2k | €2k | €4k | €5k | ▲ 11.5% |
| Other operating charges640/8 | €3k | €1k | €1k | €1k | €1k | ▼ 2.7% |
| Gross operating margin9900 | €151k | €100k | €72k | €124k | €210k | ▲ 69.2% |
| Operating profit (loss)9901 | €47k | €-4k | €-20k | €-2k | €25k | ▲ 1,295% |
| Financial income75/76B | - | €1 | €5 | €231 | €333 | ▲ 44.2% |
| Recurring financial income75 | - | €1 | €5 | €231 | €333 | ▲ 44.2% |
| Financial charges65/66B | €450 | €409 | €350 | €258 | €157 | ▼ 39.1% |
| Recurring financial charges65 | €450 | €409 | €350 | €258 | €157 | ▼ 39.1% |
| Profit (loss) for the period before taxes9903 | €46k | €-5k | €-20k | €-2k | €25k | ▲ 1,288% |
| Income taxes67/77 | €13k | €829 | €311 | €315 | €5k | ▲ 1,430% |
| Profit (loss) for the period9904 | €34k | €-6k | €-20k | €-2k | €20k | ▲ 931% |
| Profit (loss) for the period to be appropriated9905 | €34k | €-6k | €-20k | €-2k | €20k | ▲ 931% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €131k | €135k | €114k | €102k | €120k | ▲ 17.6% |
| Fixed assets21/28 | €6k | €6k | €4k | €12k | €7k | ▼ 40.4% |
| Tangible fixed assets22/27 | €6k | €6k | €4k | €12k | €7k | ▼ 40.4% |
| Plant, machinery and equipment23 | €2k | €3k | €2k | €1k | €636 | ▼ 44.5% |
| Furniture and vehicles24 | €4k | €3k | €2k | €8k | €4k | ▼ 47.5% |
| Other tangible fixed assets26 | - | - | - | €3k | €3k | ▼ 23.0% |
| Current assets29/58 | €125k | €128k | €110k | €90k | €113k | ▲ 25.6% |
| Amounts receivable within one year40/41 | €28k | €21k | €16k | €27k | €28k | ▲ 1.9% |
| Trade receivables40 | €20k | €10k | €13k | €24k | €22k | ▼ 8.5% |
| Other amounts receivable41 | €8k | €11k | €3k | €3k | €5k | ▲ 96.4% |
| Current investments50/53 | - | €9k | €9k | €9k | €9k | = |
| Cash at bank and in hand54/58 | €96k | €96k | €83k | €51k | €73k | ▲ 43.5% |
| Deferred charges and accrued income490/1 | €1k | €2k | €2k | €3k | €3k | ▲ 13.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €131k | €135k | €114k | €102k | €120k | ▲ 17.6% |
| Equity10/15 | €111k | €100k | €80k | €69k | €55k | ▼ 21.1% |
| Contributions10/11 | €6k | €6k | €8k | - | - | - |
| Reserves13 | €105k | €98k | €96k | €96k | €62k | ▼ 35.8% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €103k | €96k | €96k | €96k | €62k | ▼ 35.8% |
| Profit (loss) carried forward14 | - | €-5k | €-25k | €-27k | €-7k | ▲ 73.0% |
| Amounts payable17/49 | €20k | €35k | €34k | €33k | €66k | ▲ 98.5% |
| Amounts payable within one year42/48 | €20k | €34k | €33k | €32k | €64k | ▲ 102% |
| Trade debts44 | €5k | €8k | €8k | €9k | €10k | ▲ 12.6% |
| Suppliers440/4 | €5k | €8k | €8k | €9k | €10k | ▲ 12.6% |
| Taxes, remuneration and social security45 | €14k | €22k | €21k | €20k | €37k | ▲ 87.0% |
| Taxes450/3 | €4k | €9k | €9k | €12k | €16k | ▲ 33.2% |
| Remuneration and social security454/9 | €10k | €13k | €12k | €8k | €21k | ▲ 174% |
| Other amounts payable47/48 | €2k | €4k | €4k | €3k | €17k | ▲ 456% |
| Accrued charges and deferred income492/3 | - | €1k | €1k | €1k | €1k | ▲ 11.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €34k | €-6k | €-20k | €-2k | €20k | ▲ 931% |
| + Depreciation and write-downs630 | €2k | €2k | €2k | €4k | €5k | ▲ 11.5% |
| Operating cash flow (approximation) | €35k | €-3k | €-18k | €2k | €25k | ▲ 1,093% |
| Investment in fixed assets (approximation) | - | €-3k | €0 | €-13k | €0 | ▲ 100% |
| Change in cash | - | €201 | €-13k | €-32k | €22k | ▲ 169% |
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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €20k
Net result €20k after 3 loss-making years.
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €111k ▲43.7%
4 profitable years in a row build equity to €111k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €36k ▲461%
Operating result €49k, net result €36k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.84
Current ratio from 1.73 to 4.84; short-term debt falls from €19k to €12k.
Show earlier events
14-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 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, Seraing · 1 establishment unit since 2012
Ground area
6.4 ha
Building footprint
3.8 ha
Volume, LiDAR
406,691 m³
2 parcels, Wallonia · tallest building 22.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PEARL VISION
since 20122.211.583.073
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62806C0923/00B002 | Wallonia | 6.3 ha | 1 · 3.8 ha | 22.7 m · 3 fl. |
| 62343C0053/00K039 | Wallonia | 554 m² | 1 · 104 m² | 8.0 m · 2 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.
Similar companies · same sector, comparable size
TopOptics
BE 0835.137.435
Le Roeulx · Eq €54,742
NOUVEAU REGARD
BE 0845.309.171
Seraing · Eq €54,796
ISOPHOT
BE 0425.288.877
Soignies · Eq €54,126
Optique Lanvin
BE 0654.849.572
Braine-l'Alleud · Eq €55,219
JOELLE OPTIQUE
BE 0734.407.685
Charleroi · Eq €55,239
Of 1,732 companies in sector 47742 we hold annual accounts for 1,137. 938 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
Founded07-04-2010
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.