PENYA OPTIQUE
ActivePENYA OPTIQUE has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €313k and a net result of €1k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 118 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-35
Solvency100=
Growth42▼-16
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 15.42 against 15.18 in 2024), and 6.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
93.5%
Return on assets
0.4%
Age of the figures
8 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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
31 d early
2023
5 d late
2022
18 d early
2021
11 d early
2020
25 d late
2019
16 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€241k▼ 2.3%
2021 · €247k
2018: €283k
2019: €240k
2020: €231k
2021: €247k
2018 → 2022
EBIT margin
12.0%▲ 0.8pp
2021 · 11.2%
2018: 10.0%
2019: 9.1%
2020: 22.3%
2021: 11.2%
2018 → 2022
Net result
€1k▼ 94.4%
2024 · €23k
2018: €7k
2019: €15k
2020: €52k
2021: €20k
2022: €21k
2023: €-20k
2024: €23k
2018 → 2025
Working capital
€313k▲ 0.6%
2024 · €311k
2018: €181k
2019: €198k
2020: €257k
2021: €257k
2022: €288k
2023: €279k
2024: €311k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€247k-€241k▼ 2.3%
Equity€287k-€309k▲ 7.4%€289k▼ 6.5%€312k▲ 8.1%€313k▲ 0.4%
Operating result€28k-€29k▲ 4.6%€-12k€26k€3k▼ 90.3%
Net result€20k-€21k▲ 9.4%€-20k€23k€1k▼ 94.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 90% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €335k
Fixed assets
€336▼ 63.5%
Current assets
€334k▲ 0.5%
Equity and liabilities €335k
Equity
€313k▲ 0.4%
Debt
€22k▼ 1.1%
The debt ratio falls from 6.6% to 6.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€3k▼
2024 · €35k
Cash flow
€2k▼
2024 · €32k
Solvency
93.5%▲
2024 · 93.4%
Current ratio
15.42▲
2024 · 15.18
Quick ratio
15.42▲
2024 · 15.18
Debt / equity
0.07▼
2024 · 0.07
ROE
0.4%▼
2024 · 7.5%
ROA
0.4%▼
2024 · 7.0%
Interest coverage
8.02▼
2024 · 92.31
Debt
€22k▼
2024 · €22k
Debt ≤ 1 year
€22k▼
2024 · €22k
Income taxes
€846▼
2024 · €3k
Staff costs
€153k▲
2024 · €97k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€334k€335k▲
Fixed assets21/28€920€336▼
Tangible fixed assets22/27€920€336▼
Furniture and vehicles24€920€336▼
Current assets29/58€333k€334k▲
Amounts receivable within one year40/41€33k€23k▼
Trade receivables40€30k€20k▼
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€300k€311k▲
Equity and liabilities
Total equity and liabilities10/49€334k€335k▲
Equity10/15€312k€313k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Share premium1100/10€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€291k€293k▲
Amounts payable17/49€22k€22k▼
Amounts payable within one year42/48€22k€22k▼
Financial debts43€2k€1k▼
Other loans439€2k€1k▼
Trade debts44€213€445▲
Suppliers440/4€213€445▲
Taxes, remuneration and social security45€20k€20k▲
Taxes450/3€5k€4k▼
Remuneration and social security454/9€15k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€97k€153k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€584▼
Gross operating margin9900€132k€156k▲
Operating profit (loss)9901€26k€3k▼
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€378€390▲
Recurring financial charges65€378€390▲
Profit (loss) for the period before taxes9903€26k€2k▼
Income taxes67/77€3k€846▼
Profit (loss) for the period9904€23k€1k▼
Profit (loss) for the period to be appropriated9905€23k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€291k€293k▲
Profit (loss) brought forward from the previous period14P€268k€291k▲
Social balance
Average headcount (FTE)90872.53.7▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 5 days late
2023
31-12
Financial
Weakest financial yearnet €-20k ▼195%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 23.62
Current ratio from 9.32 to 23.62; short-term debt falls from €35k to €12k.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 25 days late
2020
31-12
Financial
Highest result since 2018net €52k ▲240%
Operating result €51k, net result €52k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Braine-l'Alleud · 1 establishment unit since 2003
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.
Avenue du Champ de la Bloquerie 31420 Braine-l'AlleudGround area
1.2 ha
Building footprint
1,138 m²
Volume, LiDAR
7,941 m³
2 parcels, Brussels, Wallonia · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Vrijetijdslaan 3, 1140 Evere
since 20032.131.761.476
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372D0171/00F000 | Brussels | 1.1 ha | 1 · 1,083 m² | 9.9 m · 3 fl. |
| 25742A0138/00R002 | Wallonia | 526 m² | 1 · 54 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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
ROBA PHARMA
BE 0712.710.765
Kortrijk · Eq €312k
NOVADENT
BE 0428.104.253
Boom · Eq €311k
VOETCENTRUM FUNESCO
BE 0861.770.962
Sint-Niklaas · Eq €316k
NK Orthopedics
BE 0682.484.674
Heers · Eq €318k
Ganda - Dent
BE 0441.999.603
Gent · Eq €318k
Of 1,244 companies in sector 32500 we hold annual accounts for 691. 521 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-04-2003
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
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.