PHIL'OPTIC
ActivePHIL'OPTIC has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €125k and a net result of €38k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 70% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+8
Solvency82▼-18
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.7 against 6.35 in 2024; short-term debt: 28.4% and cash: 10.7% of total assets), and 42.6% 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 · 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 · 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
Sector 47
higher
← 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
57.4%
Return on assets
17.4%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
31 d early
2023
21 d early
2022
7 d early
2021
22 d late
2020
30 d late
2019
3 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€38k▲ 154%
2024 · €15k
2018: €22k
2019: €23k
2020: €34k
2021: €10k
2022: €20k
2023: €6k
2024: €15k
2018 → 2025
Working capital
€105k=
2024 · €105k
2018: €75k
2019: €104k
2020: €123k
2021: €103k
2022: €125k
2023: €105k
2024: €105k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€118k-€138k▲ 16.8%€116k▼ 15.6%€110k▼ 5.7%€125k▲ 14.2%
Operating result€17k-€29k▲ 73.2%€7k▼ 74.2%€20k▲ 177%€49k▲ 142%
Net result€10k-€20k▲ 94.7%€6k▼ 70.5%€15k▲ 157%€38k▲ 154%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 142% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €218k
Fixed assets
€51k▲ 1,103%
Current assets
€167k▲ 33.8%
Equity and liabilities €218k
Equity
€125k▲ 14.2%
Debt
€93k▲ 372%
The debt ratio rises from 15.2% to 42.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€54k▲
2024 · €31k
Cash flow
€42k▲
2024 · €25k
Solvency
57.4%▼
2024 · 84.8%
Current ratio
2.70▼
2024 · 6.35
Quick ratio
2.70▼
2024 · 6.35
Debt / equity
0.74▲
2024 · 0.18
ROE
30.4%▲
2024 · 13.7%
ROA
17.4%▲
2024 · 11.6%
Interest coverage
54.96▼
2024 · 63.32
Debt
€93k▲
2024 · €20k
Debt ≤ 1 year
€62k▲
2024 · €20k
Debt > 1 year
€31k
Income taxes
€13k▲
2024 · €8k
Staff costs
€53k▼
2024 · €54k
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€129k€218k▲
Fixed assets21/28€4k€51k▲
Tangible fixed assets22/27€4k€51k▲
Furniture and vehicles24€4k€51k▲
Current assets29/58€125k€167k▲
Amounts receivable after more than one year29€72k€54k▼
Other amounts receivable291€72k€54k▼
Amounts receivable within one year40/41€44k€87k▲
Trade receivables40€11k€39k▲
Other amounts receivable41€33k€49k▲
Cash at bank and in hand54/58€8k€23k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€129k€218k▲
Equity10/15€110k€125k▲
Contributions10/11€6k€6k=
Reserves13€103k€118k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€101k€117k▲
Profit (loss) carried forward14€512€592▲
Amounts payable17/49€20k€93k▲
Amounts payable after more than one year17-€31k
Financial debts170/4-€31k
Amounts payable within one year42/48€20k€62k▲
Current portion of amounts payable after more than one year42€4k€9k▲
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Advances received on contracts in progress46€3k€40k▲
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€1k€682▼
Remuneration and social security454/9€7k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€54k€53k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€4k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€86k€108k▲
Operating profit (loss)9901€20k€49k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€486€976▲
Recurring financial charges65€486€976▲
Profit (loss) for the period before taxes9903€23k€52k▲
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€15k€38k▲
Profit (loss) for the period to be appropriated9905€15k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€39k▲
Profit (loss) brought forward from the previous period14P€512€512=
Transfer from equity791/2€22k€23k▲
Transfer to equity691/2€15k€38k▲
To the legal reserve6920-€38k
To other reserves6921€15k-
Profit to be distributed694/7€22k€23k▲
Return on contributions (dividend)694€22k€23k▲
The notes to these accounts (8 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €38k ▲154%
Operating result €49k, net result €38k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €6k ▼70.5%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
31-12
Financial
Equity above €100kEq €105k ▲27.5%
2 profitable years in a row build equity to €105k.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 19 days late
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ciney · 1 establishment unit since 1997
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.
Rue des Campagnes(Leignon) 45590 CineyGround area
1,596 m²
Building footprint
125 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
PEARLE VISION
since 19972.084.119.729
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91079B0401/00Y000 | Wallonia | 1,310 m² | 1 · 41 m² | - |
| 92402G0191/00A008 | Wallonia | 286 m² | 1 · 83 m² | - |
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
Schaukens opticiens
BE 0651.581.959
Silly · Eq €125k
MD BEAUFAYS
BE 0642.880.465
Chaudfontaine · Eq €125k
DEN BRILLEMAN
BE 0464.816.278
Stekene · Eq €124k
VWS VISION CARE
BE 0806.034.168
Heusden-Zolder · Eq €124k
VANLOMMEL A.
BE 0825.474.354
Puurs-Sint-Amands · Eq €124k
Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 995 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-1997
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
52740
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.