QUICK OPTIC
ActiveSummary
QUICK OPTIC has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €165,281 and a net result of -€32,025. Equity is shrinking by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 42% of 8085 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability11▼-60
Solvency61▼-9
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.42 in 2024; short-term debt: 49.6% and cash: 2.9% of total assets), and 63.7% of the assets are financed with debt.
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Signals
Four 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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
on the day
2023
6 d early
2022
4 d early
2021
4 d late
2020
18 d late
2019
54 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€32,025
2024 · €7,370
Working capital
€28,205▼ 68.6%
2024 · €89,786
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€41,966▲ 117%-€26,322-€56,138▼ 113%€13,859-€24,995
Net result€29,230▲ 62.6%-€25,891-€57,366▼ 122%€7,370-€32,025
Equity€443,193▲ 7.1%€247,302▼ 44.2%€189,935▼ 23.2%€197,305▲ 3.9%€165,281▼ 16.2%
Total assets€565,391▲ 7.4%€494,341▼ 12.6%€427,300▼ 13.6%€443,017▲ 3.7%€454,913▲ 2.7%
Debt€122,198▲ 8.7%€247,040▲ 102%€237,365▼ 3.9%€245,711▲ 3.5%€289,633▲ 17.9%
Working capital€345,505▲ 12.3%€141,051▼ 59.2%€99,425▼ 29.5%€89,786▼ 9.7%€28,205▼ 68.6%
Staff (FTE)4.8▲ 26.3%4.8=5▲ 4.2%4.4▼ 12.0%3.9▼ 11.4%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €24,995 after €13,859 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €454,913
Fixed assets
€200,865 ▲ 46.6%
Current assets
€254,049 ▼ 17.0%
Equity and liabilities €454,913
Equity
€165,281 ▼ 16.2%
Debt
€289,633 ▲ 17.9%
Debt's share of the balance-sheet total rises from 55.5% to 63.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€939▼
2024 · €43,007
Cash flow
-€6,091▼
2024 · €36,518
Current ratio
1.12▼
2024 · 1.42
Quick ratio
0.42▼
2024 · 0.52
Debt to equity
1.75▲
2024 · 1.25
ROE
-19.4%▼
2024 · 3.7%
ROA
-7.0%▼
2024 · 1.7%
Interest coverage
0.13▼
2024 · 6.41
Debt ≤ 1 year
€225,843▲
2024 · €216,211
Debt > 1 year
€63,789▲
2024 · €29,501
Income taxes
€383▲
2024 · €112
Staff costs
€215,906▼
2024 · €220,564
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €2,736 | €6,036 | ▲ 121% |
| Remuneration, social security and pensions62 | €199,094 | €206,338 | €209,380 | €220,564 | €215,906 | ▼ 2.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20,003 | €21,391 | €21,391 | €29,148 | €25,933 | ▼ 11.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €6,230 | €36 | - | - | - |
| Other operating charges640/8 | €3,179 | €2,364 | €3,570 | €6,438 | €7,226 | ▲ 12.2% |
| Non-recurring operating charges66A | - | - | - | €1,234 | €2,399 | ▲ 94.3% |
| Gross operating margin9900 | €264,243 | €210,001 | €178,240 | €271,244 | €226,470 | ▼ 16.5% |
| Operating profit (loss)9901 | €41,966 | -€26,322 | -€56,138 | €13,859 | -€24,995 | ▼ 280% |
| Financial income75/76B | €1,392 | €10,455 | €5,121 | €334 | €501 | ▲ 50.0% |
| Recurring financial income75 | €114 | €320 | €451 | €334 | €501 | ▲ 50.0% |
| Non-recurring financial income76B | €1,278 | €10,134 | €4,669 | - | - | - |
| Financial charges65/66B | €14,128 | €9,453 | €6,131 | €6,712 | €7,148 | ▲ 6.5% |
| Recurring financial charges65 | €5,957 | €6,302 | €6,123 | €6,712 | €7,148 | ▲ 6.5% |
| Non-recurring financial charges66B | €8,172 | €3,152 | €9 | - | - | - |
| Profit (loss) for the period before taxes9903 | €29,230 | -€25,321 | -€57,148 | €7,482 | -€31,641 | ▼ 523% |
| Income taxes67/77 | - | €570 | €218 | €112 | €383 | ▲ 244% |
| Profit (loss) for the period9904 | €29,230 | -€25,891 | -€57,366 | €7,370 | -€32,025 | ▼ 535% |
| Profit (loss) for the period to be appropriated9905 | €29,230 | -€25,891 | -€57,366 | €7,370 | -€32,025 | ▼ 535% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €565,391 | €494,341 | €427,300 | €443,017 | €454,913 | ▲ 2.7% |
| Fixed assets21/28 | €109,700 | €113,591 | €92,200 | €137,020 | €200,865 | ▲ 46.6% |
| Intangible fixed assets21 | €74,976 | €74,976 | €74,976 | €74,976 | €74,976 | = |
| Tangible fixed assets22/27 | €34,477 | €38,368 | €16,976 | €61,797 | €125,641 | ▲ 103% |
| Furniture and vehicles24 | €34,477 | €38,368 | €16,976 | €61,797 | €125,641 | ▲ 103% |
| Financial fixed assets28 | €248 | €248 | €248 | €248 | €248 | = |
| Current assets29/58 | €455,690 | €380,750 | €335,100 | €305,996 | €254,049 | ▼ 17.0% |
| Stocks and contracts in progress3 | €194,609 | €222,508 | €179,189 | €192,645 | €159,252 | ▼ 17.3% |
| Stocks30/36 | €194,609 | €222,508 | €179,189 | €192,645 | €159,252 | ▼ 17.3% |
| Amounts receivable within one year40/41 | €94,311 | €99,924 | €110,579 | €82,724 | €81,656 | ▼ 1.3% |
| Trade receivables40 | €91,865 | €96,182 | €106,546 | €82,724 | €81,656 | ▼ 1.3% |
| Other amounts receivable41 | €2,446 | €3,741 | €4,034 | - | - | - |
| Cash at bank and in hand54/58 | €166,771 | €58,319 | €42,590 | €30,627 | €13,141 | ▼ 57.1% |
| Deferred charges and accrued income490/1 | - | - | €2,742 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €565,391 | €494,341 | €427,300 | €443,017 | €454,913 | ▲ 2.7% |
| Equity10/15 | €443,193 | €247,302 | €189,935 | €197,305 | €165,281 | ▼ 16.2% |
| Contributions10/11 | €288,600 | €118,600 | €118,600 | €118,600 | €118,600 | = |
| Capital10 | €288,600 | €118,600 | - | - | - | - |
| Issued capital100 | €288,600 | €118,600 | - | - | - | - |
| Revaluation surpluses12 | €19,857 | €19,857 | €19,857 | €19,857 | €19,857 | = |
| Reserves13 | €366,860 | €366,860 | €366,860 | €366,860 | €366,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Legal reserve130 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €365,000 | €365,000 | €366,860 | €366,860 | €366,860 | = |
| Profit (loss) carried forward14 | -€232,124 | -€258,015 | -€315,382 | -€308,011 | -€340,036 | ▼ 10.4% |
| Amounts payable17/49 | €122,198 | €247,040 | €237,365 | €245,711 | €289,633 | ▲ 17.9% |
| Amounts payable after more than one year17 | €12,013 | €7,340 | €1,690 | €29,501 | €63,789 | ▲ 116% |
| Financial debts170/4 | €12,013 | €7,340 | €1,690 | €29,501 | €63,789 | ▲ 116% |
| Amounts payable within one year42/48 | €110,185 | €239,699 | €235,675 | €216,211 | €225,843 | ▲ 4.5% |
| Current portion of amounts payable after more than one year42 | €11,882 | €16,989 | €6,265 | €13,800 | €26,871 | ▲ 94.7% |
| Trade debts44 | €42,702 | €31,329 | €57,150 | €59,265 | €70,214 | ▲ 18.5% |
| Suppliers440/4 | €42,702 | €31,329 | €57,150 | €59,265 | €70,214 | ▲ 18.5% |
| Taxes, remuneration and social security45 | €55,601 | €48,882 | €49,760 | €45,645 | €46,258 | ▲ 1.3% |
| Taxes450/3 | €14,744 | €4,837 | €3,254 | €3,903 | €11,059 | ▲ 183% |
| Remuneration and social security454/9 | €40,857 | €44,045 | €46,506 | €41,742 | €35,199 | ▼ 15.7% |
| Other amounts payable47/48 | - | €142,500 | €122,500 | €97,500 | €82,500 | ▼ 15.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29,230 | -€25,891 | -€57,366 | €7,370 | -€32,025 | ▼ 535% |
| + Depreciation and write-downs630 | €20,003 | €21,391 | €21,391 | €29,148 | €25,933 | ▼ 11.0% |
| Operating cash flow (approximation) | €49,234 | -€4,500 | -€35,975 | €36,518 | -€6,091 | ▼ 117% |
| Investment in fixed assets (approximation) | - | -€25,282 | €0 | -€73,969 | -€89,778 | ▼ 21.4% |
| Change in cash | - | -€108,452 | -€15,728 | -€11,963 | -€17,486 | ▼ 46.2% |
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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €7,370
Net result €7,370 after 2 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet -€57,366
Net result drops to -€57,366, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 4 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 18 days late
2020
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 54 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 24 days late
2017
31-07
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.
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.
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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, Rixensart · 1 establishment unit since 1985
Ground area
4,003 m²
Building footprint
798 m²
Volume, LiDAR
5,007 m³
2 parcels, Wallonia · tallest building 16.7 m, ±2 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
Avenue de Montalembert 20, 1330 Rixensart
since 19852.027.760.848
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25091C0600/00A000 | Wallonia | 2,524 m² | 1 · 252 m² | 16.7 m · 2 fl. |
| 25033A0083/00M000 | Wallonia | 1,479 m² | 1 · 545 m² | 9.8 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.
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KAMERA EXPRESS RENTAL BELGIUM
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Of 251 companies in sector 46432 we hold annual accounts for 171. 125 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
Founded20-09-1985
Fiscal year end31-12
Activities, NACEBEL 2025
46432Wholesale trade
Scores and ratios are computed by Checked and are not a credit decision.