SMC OPTIC'S
ActiveThe computed 12-month bankruptcy probability of SMC OPTIC'S is 3.1% (moderate). The 2025 annual accounts show equity of €3k and a net result of €-6k. Equity is shrinking by ~31.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 12% of 1291 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-54
Solvency18▼-5
Growth32▼-20
Stability94
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.15 against 1.19 in 2024), and 94.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
5.2%
Return on assets
-11%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 1291 sector peers (2025).
NBB · sector comparisonPosition among 1291 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
61 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€82k
EBIT margin
9.9%
Net result
€-6k
2024 · €972
2023: €5k
2024: €972
2023 → 2025
Working capital
€4k▼ 36.1%
2024 · €7k
2023: €849
2024: €7k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Turnover€82k-
Equity€8k-€9k▲ 12.2%€3k▼ 67.8%
Operating result€8k-€5k▼ 37.6%€-3k
Net result€5k-€972▼ 80.4%€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €5k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€24k▼ 30.1%
Current assets
€31k▼ 24.7%
Equity and liabilities €55k
Equity
€3k▼ 67.8%
Debt
€52k▼ 21.6%
The debt ratio rises from 88.1% to 94.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€7k▼
2024 · €15k
Cash flow
€4k▼
2024 · €11k
Solvency
5.2%▼
2024 · 11.9%
Current ratio
1.15▼
2024 · 1.19
Quick ratio
1.15▼
2024 · 1.19
Debt / equity
18.07▲
2024 · 7.43
ROE
-210.4%▼
2024 · 10.9%
ROA
-11.0%▼
2024 · 1.3%
Interest coverage
2.37▼
2024 · 5.13
Debt
€52k▼
2024 · €66k
Debt ≤ 1 year
€27k▼
2024 · €35k
Debt > 1 year
€25k▼
2024 · €31k
Income taxes
€128▼
2024 · €1k
Staff costs
€40k▼
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€75k€55k▼
Fixed assets21/28€34k€24k▼
Tangible fixed assets22/27€34k€24k▼
Furniture and vehicles24€34k€24k▼
Current assets29/58€41k€31k▼
Amounts receivable within one year40/41€9k€4k▼
Trade receivables40€9k€4k▼
Cash at bank and in hand54/58€22k€19k▼
Deferred charges and accrued income490/1€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€75k€55k▼
Equity10/15€9k€3k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€6k€-123▼
Amounts payable17/49€66k€52k▼
Amounts payable after more than one year17€31k€25k▼
Financial debts170/4€31k€25k▼
Amounts payable within one year42/48€35k€27k▼
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€14k€11k▼
Suppliers440/4€14k€11k▼
Taxes, remuneration and social security45€15k€9k▼
Taxes450/3€15k€9k▼
Other amounts payable47/48€429€159▼
Accrued charges and deferred income492/3€699€437▼
Income statement
Code20242025
Remuneration, social security and pensions62€42k€40k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Other operating charges640/8€55€751▲
Gross operating margin9900€57k€48k▼
Operating profit (loss)9901€5k€-3k▼
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€2k€-6k▼
Income taxes67/77€1k€128▼
Profit (loss) for the period9904€972€-6k▼
Profit (loss) for the period to be appropriated9905€972€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€-123▼
Profit (loss) brought forward from the previous period14P€5k€6k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-6k ▼723%
Net result drops to €-6k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 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, Châtelet · 1 establishment unit since 2023
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 Charbonnages 3256200 ChâteletGround area
271 m²
Building footprint
119 m²
Volume, LiDAR
1,151 m³
2 parcels, Wallonia · tallest building 14.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PEARLE
since 20232.342.557.423
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92007F0025/00V000 | Wallonia | 150 m² | 1 · 91 m² | 14.2 m · 3 fl. |
| 52013A0113/00S003 | Wallonia | 121 m² | 1 · 27 m² | 8.9 m · 3 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
V&G Projects
BE 0744.788.566
Kampenhout · Eq €3k
INFINITY REPAIR
BE 1015.948.306
Willebroek · Eq €4k
LUMEO
BE 1021.263.411
Ferrières · Eq €6k
EXPRES DEPANNAGE
BE 1009.011.420
Sint-Jans-Molenbeek · Eq €6k
OPTISOINS
BE 0762.519.869
Brussel · Eq €7k
Of 202 companies in sector 33130 we hold annual accounts for 79. 20 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2023
Fiscal year end31-12
Activities, NACEBEL
33130Repair, maintenance and installation of machinery and equipment
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:smcoptics@outlook.com
Phone:+32494861148