S&S Optics
ActiveS&S Optics has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €104k and a net result of €7k. Equity is growing by ~18.8% per year across the filed fiscal years. Its solvency ranks better than 91% of 26051 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
86
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability32▲+4
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 6.31 against 4.98 in 2023), and 15.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-10-2025, 78 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
78 d late
2023
75 d late
2022
85 d late
2021
2 d early
2020
58 d late
2019
48 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€104k▲ 6.8%
2023 · €97k
2019: €20k
2020: €40k
2021: €87k
2022: €92k
2023: €97k
2019 → 2024
Total assets
€123k▲ 1.4%
2023 · €122k
2019: €40k
2020: €91k
2021: €121k
2022: €102k
2023: €122k
2019 → 2024
Net result
€7k▲ 19.6%
2023 · €6k
2019: €13k
2020: €20k
2021: €47k
2022: €5k
2023: €6k
2019 → 2024
Working capital
€104k▲ 6.8%
2023 · €97k
2019: €19k
2020: €44k
2021: €85k
2022: €91k
2023: €97k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€40k-€87k▲ 116%€92k▲ 5.5%€97k▲ 6.0%€104k▲ 6.8%
Operating result€26k-€59k▲ 123%€7k▼ 87.4%€7k▼ 7.0%€8k▲ 19.1%
Net result€20k-€47k▲ 129%€5k▼ 89.8%€6k▲ 16.2%€7k▲ 19.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 19% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €123k
Equity
€104k▲ 6.8%
Debt
€20k▼ 20.1%
The debt ratio falls from 20.1% to 15.8%: equity grows while debt is paid down.
Key figures and ratios
Solvency
84.2%▲
2023 · 79.9%
Current ratio
6.31▲
2023 · 4.98
Quick ratio
6.31▲
2023 · 4.98
Debt / equity
0.19▼
2023 · 0.25
ROE
6.4%▲
2023 · 5.7%
ROA
5.3%▲
2023 · 4.5%
Debt
€20k▼
2023 · €24k
Debt ≤ 1 year
€20k▼
2023 · €24k
Income taxes
€2k▲
2023 · €1k
Staff costs
€45k▲
2023 · €42k
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€122k€123k▲
Current assets29/58€122k€123k▲
Amounts receivable within one year40/41€47k€55k▲
Other amounts receivable41€47k€55k▲
Cash at bank and in hand54/58€75k€67k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€122k€123k▲
Equity10/15€97k€104k▲
Contributions10/11€7k€7k=
Capital10€7k-
Issued capital100€19k-
Uncalled capital101€12k-
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€89k€95k▲
Amounts payable17/49€24k€20k▼
Amounts payable within one year42/48€24k€20k▼
Trade debts44€9k€1k▼
Suppliers440/4€9k€1k▼
Taxes, remuneration and social security45€15k€18k▲
Taxes450/3€9k€11k▲
Remuneration and social security454/9€6k€7k▲
Income statement
Code20232024
Remuneration, social security and pensions62€42k€45k▲
Other operating charges640/8€198€594▲
Gross operating margin9900€49k€54k▲
Operating profit (loss)9901€7k€8k▲
Financial income75/76B-€34
Recurring financial income75-€34
Profit (loss) for the period before taxes9903€7k€8k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€6k€7k▲
Profit (loss) for the period to be appropriated9905€6k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€95k▲
Profit (loss) brought forward from the previous period14P€83k€89k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 78 days late
2024
31-12
Financial
Equity above €100kEq €104k ▲6.8%
6 profitable years in a row build equity to €104k.
14-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 75 days late
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 85 days late
2022
31-12
Financial
Weakest financial yearnet €5k ▼89.8%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 9.68
Current ratio from 3.48 to 9.68; short-term debt falls from €34k to €10k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €47k ▲129%
Operating result €59k, net result €47k, both a record.
27-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2020
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 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, Duffel · 1 establishment unit since 2019
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.
Binnenweg 652570 DuffelGround area
697 m²
Building footprint
309 m²
Volume, LiDAR
1,896 m³
2 parcels, Flanders · tallest building 17.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
S&S Optics
since 20192.301.344.497
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12302C0083/00A002 | Flanders | 501 m² | 1 · 120 m² | - |
| 12009A0607/00C000 | Flanders | 196 m² | 1 · 189 m² | 17.4 m · 4 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
OPTIBO RUSTPUNT
BE 0747.742.811
Tielt · Eq €104k
OPTIEK EUROLOOK
BE 1007.516.333
Tielt · Eq €103k
LES OPTICIENS DEHALU
BE 0454.041.459
Ciney · Eq €104k
OPTOTEAM
BE 0543.327.880
Liège · Eq €105k
BRIL OOSTENDE
BE 0567.807.415
Oostende · Eq €103k
Of 1,725 companies in sector 47742 we hold annual accounts for 1,136. 994 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-03-2018
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.