P&V Optiek
ActiveP&V Optiek has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €99k and a net result of €8k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 37% of 839 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability63▼-27
Solvency51▼-25
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.7 in 2023; short-term debt: 23.8% and cash: 0.9% of total assets), and 73.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
lower
← 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
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 2024Solvency, return and age of the figures
Solvency
26.2%
Return on assets
2.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
65 d late
2022
162 d late
2021
78 d late
2020
25 d early
2019
88 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€99k▲ 8.1%
2023 · €92k
2018: €58k
2019: €59k
2020: €63k
2021: €84k
2022: €94k
2023: €92k
2018 → 2024
Total assets
€378k▲ 109%
2023 · €181k
2018: €110k
2019: €119k
2020: €116k
2021: €118k
2022: €171k
2023: €181k
2018 → 2024
Net result
€8k▼ 72.3%
2023 · €30k
2018: €21k
2019: €1k
2020: €21k
2021: €21k
2022: €10k
2023: €30k
2018 → 2024
Working capital
€21k▼ 64.4%
2023 · €58k
2018: €54k
2019: €52k
2020: €54k
2021: €77k
2022: €83k
2023: €58k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€63k-€84k▲ 34.2%€94k▲ 11.8%€92k▼ 2.3%€99k▲ 8.1%
Operating result€28k-€32k▲ 13.9%€17k▼ 48.3%€45k▲ 172%€24k▼ 46.1%
Net result€21k-€21k▲ 2.4%€10k▼ 53.9%€30k▲ 208%€8k▼ 72.3%
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 2024; 2024 is 46% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €378k
Fixed assets
€268k▲ 570%
Current assets
€110k▼ 21.6%
Equity and liabilities €378k
Equity
€99k▲ 8.1%
Debt
€279k▲ 213%
The debt ratio rises from 49.3% to 73.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▼
2023 · €55k
Cash flow
€30k▼
2023 · €40k
Solvency
26.2%▼
2023 · 50.7%
Current ratio
1.23▼
2023 · 1.70
Quick ratio
1.23▼
2023 · 1.70
Debt / equity
2.82▲
2023 · 0.97
ROE
8.5%▼
2023 · 33.1%
ROA
2.2%▼
2023 · 16.8%
Interest coverage
5.01▼
2023 · 31.94
Debt
€279k▲
2023 · €89k
Debt ≤ 1 year
€90k▲
2023 · €83k
Debt > 1 year
€189k▲
2023 · €6k
Income taxes
€8k▼
2023 · €16k
Staff costs
€186k▲
2023 · €165k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€181k€378k▲
Fixed assets21/28€40k€268k▲
Tangible fixed assets22/27€40k€268k▲
Land and buildings22-€227k
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€34k€36k▲
Other tangible fixed assets26€3k€2k▼
Current assets29/58€141k€110k▼
Amounts receivable after more than one year29€25k€12k▼
Other amounts receivable291€25k€12k▼
Amounts receivable within one year40/41€75k€91k▲
Trade receivables40€35k€70k▲
Other amounts receivable41€40k€21k▼
Cash at bank and in hand54/58€34k€4k▼
Deferred charges and accrued income490/1€7k€4k▼
Equity and liabilities
Total equity and liabilities10/49€181k€378k▲
Equity10/15€92k€99k▲
Contributions10/11€6k€6k=
Reserves13€85k€93k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€18€18=
Distributable reserves133€84k€91k▲
Amounts payable17/49€89k€279k▲
Amounts payable after more than one year17€6k€189k▲
Financial debts170/4€6k€189k▲
Amounts payable within one year42/48€83k€90k▲
Current portion of amounts payable after more than one year42€3k€13k▲
Financial debts43€10k€13k▲
Credit institutions430/8€10k€13k▲
Trade debts44€6k€24k▲
Suppliers440/4€6k€24k▲
Advances received on contracts in progress46€8k€8k▲
Taxes, remuneration and social security45€23k€31k▲
Taxes450/3€6k€10k▲
Remuneration and social security454/9€17k€21k▲
Other amounts payable47/48€33k€1k▼
Accrued charges and deferred income492/3-€440
Income statement
Code20232024
Non-recurring operating income76A€7k-
Remuneration, social security and pensions62€165k€186k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€22k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€243€349▲
Gross operating margin9900€222k€235k▲
Operating profit (loss)9901€45k€24k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€2k€9k▲
Recurring financial charges65€2k€9k▲
Profit (loss) for the period before taxes9903€46k€17k▼
Income taxes67/77€16k€8k▼
Profit (loss) for the period9904€30k€8k▼
Profit (loss) for the period to be appropriated9905€30k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€8k▼
Transfer from equity791/2€33k€1k▼
Transfer to equity691/2€30k€8k▼
To other reserves6921€30k€8k▼
Profit to be distributed694/7€33k€1k▼
Return on contributions (dividend)694€33k€1k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 162 days late
2023
31-12
Financial
Highest result since 2018net €30k ▲208%
Operating result €45k, net result €30k, both a record.
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Weakest financial yearnet €1k ▼95.2%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
22-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Dendermonde · 3 establishment units since 2006
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.
Ouburg 909200 DendermondeGround area
1,979 m²
Building footprint
764 m²
Volume, LiDAR
4,750 m³
4 parcels, Flanders · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
PIETER SLEECKX
since 20062.157.762.129
Pearl Opticien
since 20182.277.402.226
Pearle opticiens Londerzeel
since 20222.329.580.803
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42016C0510/00K000 | Flanders | 1,133 m² | 1 · 149 m² | 8.9 m · 2 fl. |
| 23045E0018/00B000 | Flanders | 473 m² | 1 · 237 m² | 12.4 m · 2 fl. |
| 12007B0456/00P000 | Flanders | 245 m² | 1 · 232 m² | 11.9 m · 1 fl. |
| 46302D0595/00_000 | Flanders | 127 m² | 1 · 146 m² | 14.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 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
M.M.C.
BE 0447.267.691
Genk · Eq €99k
DJS OPTIQUE
BE 0722.681.474
Brussel · Eq €99k
HENDRICKX A
BE 0840.375.237
Sint-Genesius-Rode · Eq €100k
VISYOS
BE 0534.588.180
Villers-la-Ville · Eq €98k
Orthopedie Van Parys
BE 0644.450.182
Izegem · Eq €98k
Of 1,250 companies in sector 32500 we hold annual accounts for 695. 538 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2006
Fiscal year end31-12
Activities, NACEBEL
32500Manufacture of medical and dental instruments and supplies
33401
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
23150Manufacture of other non-metallic mineral products
23190Manufacture of other non-metallic mineral products
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
52485
68110Buying and selling of own real estate
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.