Styl - Optic
ActiveSummary
The computed 12-month bankruptcy probability of Styl - Optic is 1.7% (moderate). The 2025 annual accounts show equity of €315,291 and a net result of €133,043. Equity is growing by ~36.7% per year across the filed fiscal years. Its solvency ranks better than 56% of 18537 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability94▼-4
Solvency66▼-20
Growth65▼-2
Track record94
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €22,000 at 30 days acceptable
Liquidity ample (current ratio 1.55 against 2.59 in 2024; short-term debt: 52.6% and cash: 44.1% of total assets), but 59% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
41%
Return on assets
17.3%
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 15-05-2026, 77 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
77 d early
2024
72 d early
2023
54 d early
2022
81 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 71 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Turnover
€780,774▼ 2.4%
2024 · €799,914
EBIT margin
22.5%▼ 7.0pp
2024 · 29.5%
Net result
€133,043▼ 15.2%
2024 · €156,859
Working capital
€221,702▼ 31.3%
2024 · €322,706
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Turnover€737,397-€780,049▲ 5.8%€799,914▲ 2.5%€780,774▼ 2.4%
Operating result€161,590-€215,734▲ 33.5%€235,639▲ 9.2%€175,403▼ 25.6%
Net result€118,415above the sector's middle half-€153,433above the sector's middle half▲ 29.6%€156,859above the sector's middle half▲ 2.2%€133,043above the sector's middle half▼ 15.2%
EBIT margin21.9%-27.7%▲ 5.7pp29.5%▲ 1.8pp22.5%▼ 7.0pp
Equity€123,415above the sector's middle half-€276,848above the sector's middle half▲ 124%€433,706above the sector's middle half▲ 56.7%€315,291above the sector's middle half▼ 27.3%
Total assets€387,390above the sector's middle half-€577,572above the sector's middle half▲ 49.1%€710,587above the sector's middle half▲ 23.0%€768,414above the sector's middle half▲ 8.1%
Debt€263,975-€300,725▲ 13.9%€276,881▼ 7.9%€453,123▲ 63.7%
Working capital€22,086-€148,162▲ 571%€322,706▲ 118%€221,702▼ 31.3%
Solvency31.9%within the sector's middle half-47.9%within the sector's middle half▲ 16.1pp61.0%within the sector's middle half▲ 13.1pp41.0%within the sector's middle half▼ 20.0pp
Staff (FTE)2.5-2.5=2.5=3.2▲ 28.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €768,414
Fixed assets
€142,856 ▼ 22.7%
Current assets
€625,558 ▲ 19.0%
Equity and liabilities €768,414
Equity
€315,291 ▼ 27.3%
Debt
€453,123 ▲ 63.7%
Debt's share of the balance-sheet total rises from 39.0% to 59.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€226,249▼
2024 · €282,548
Cash flow
€183,888▼
2024 · €203,768
Current ratio
1.55▼
2024 · 2.59
Quick ratio
1.37▼
2024 · 2.38
Debt to equity
1.44▲
2024 · 0.64
ROE
42.2%▲
2024 · 36.2%
ROA
17.3%▼
2024 · 22.1%
Interest coverage
62.17▼
2024 · 100.99
Debt ≤ 1 year
€403,856▲
2024 · €203,052
Debt > 1 year
€49,267▼
2024 · €73,829
Income taxes
€42,905▼
2024 · €78,339
Staff costs
€166,554▲
2024 · €147,216
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,275 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Turnover70 | €737,397 | €780,049 | €799,914 | €780,774 | ▼ 2.4% |
| Goods, raw materials, services and sundry goods60/61 | €427,508 | €405,444 | €389,011 | €402,895 | ▲ 3.6% |
| Remuneration, social security and pensions62 | €138,258 | €137,942 | €147,216 | €166,554 | ▲ 13.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €24,525 | €34,536 | €46,909 | €50,846 | ▲ 8.4% |
| Other operating charges640/8 | €1,459 | €6,623 | €2,378 | €2,283 | ▼ 4.0% |
| Gross operating margin9900 | €325,833 | €394,835 | €432,142 | €395,086 | ▼ 8.6% |
| Operating profit (loss)9901 | €161,590 | €215,734 | €235,639 | €175,403 | ▼ 25.6% |
| Financial income75/76B | €1,748 | €2,397 | €2,356 | €4,184 | ▲ 77.5% |
| Recurring financial income75 | €1,748 | €2,397 | €2,356 | €4,184 | ▲ 77.5% |
| Financial charges65/66B | €500 | €1,344 | €2,798 | €3,639 | ▲ 30.1% |
| Recurring financial charges65 | €500 | €1,344 | €2,798 | €3,639 | ▲ 30.1% |
| Profit (loss) for the period before taxes9903 | €162,838 | €216,788 | €235,198 | €175,948 | ▼ 25.2% |
| Income taxes67/77 | €44,423 | €63,355 | €78,339 | €42,905 | ▼ 45.2% |
| Profit (loss) for the period9904 | €118,415 | €153,433 | €156,859 | €133,043 | ▼ 15.2% |
| Profit (loss) for the period to be appropriated9905 | €118,415 | €153,433 | €156,859 | €133,043 | ▼ 15.2% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €387,390 | €577,572 | €710,587 | €768,414 | ▲ 8.1% |
| Fixed assets21/28 | €101,329 | €192,926 | €184,829 | €142,856 | ▼ 22.7% |
| Intangible fixed assets21 | €0 | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €101,329 | €192,926 | €184,829 | €142,856 | ▼ 22.7% |
| Plant, machinery and equipment23 | €43,492 | €41,251 | €30,264 | €22,374 | ▼ 26.1% |
| Furniture and vehicles24 | €57,837 | €151,674 | €154,564 | €120,482 | ▼ 22.1% |
| Current assets29/58 | €286,061 | €384,647 | €525,758 | €625,558 | ▲ 19.0% |
| Stocks and contracts in progress3 | €52,512 | €45,126 | €42,517 | €72,145 | ▲ 69.7% |
| Stocks30/36 | €52,512 | €45,126 | €42,517 | €72,145 | ▲ 69.7% |
| Amounts receivable within one year40/41 | €37 | €6,509 | €10,593 | €12,573 | ▲ 18.7% |
| Trade receivables40 | €0 | €6,483 | €10,344 | €12,056 | ▲ 16.6% |
| Other amounts receivable41 | €37 | €27 | €249 | €517 | ▲ 108% |
| Current investments50/53 | - | - | €100,000 | €200,000 | ▲ 100% |
| Cash at bank and in hand54/58 | €232,554 | €330,335 | €370,758 | €339,149 | ▼ 8.5% |
| Deferred charges and accrued income490/1 | €958 | €2,676 | €1,891 | €1,691 | ▼ 10.5% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €387,390 | €577,572 | €710,587 | €768,414 | ▲ 8.1% |
| Equity10/15 | €123,415 | €276,848 | €433,706 | €315,291 | ▼ 27.3% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €118,415 | €271,848 | €428,706 | €310,291 | ▼ 27.6% |
| Distributable reserves133 | €118,415 | €271,848 | €428,706 | €310,291 | ▼ 27.6% |
| Amounts payable17/49 | €263,975 | €300,725 | €276,881 | €453,123 | ▲ 63.7% |
| Amounts payable after more than one year17 | - | €64,241 | €73,829 | €49,267 | ▼ 33.3% |
| Financial debts170/4 | - | €64,241 | €73,829 | €49,267 | ▼ 33.3% |
| Amounts payable within one year42/48 | €263,975 | €236,484 | €203,052 | €403,856 | ▲ 98.9% |
| Current portion of amounts payable after more than one year42 | - | €16,864 | €23,826 | €24,562 | ▲ 3.1% |
| Trade debts44 | €37,876 | €23,593 | €14,742 | €14,031 | ▼ 4.8% |
| Suppliers440/4 | €37,876 | €23,593 | €14,742 | €14,031 | ▼ 4.8% |
| Taxes, remuneration and social security45 | €71,050 | €80,869 | €158,300 | €136,788 | ▼ 13.6% |
| Taxes450/3 | €52,526 | €61,115 | €139,698 | €114,408 | ▼ 18.1% |
| Remuneration and social security454/9 | €18,523 | €19,754 | €18,602 | €22,380 | ▲ 20.3% |
| Other amounts payable47/48 | €155,049 | €115,158 | €6,184 | €228,475 | ▲ 3,595% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €118,415 | €153,433 | €156,859 | €133,043 | ▼ 15.2% |
| + Depreciation and write-downs630 | €24,525 | €34,536 | €46,909 | €50,846 | ▲ 8.4% |
| Operating cash flow (approximation) | €142,940 | €187,968 | €203,768 | €183,888 | ▼ 9.8% |
| Investment in fixed assets (approximation) | - | -€126,132 | -€38,812 | -€8,873 | ▲ 77.1% |
| Change in cash | - | €97,781 | €40,423 | -€31,609 | ▼ 178% |
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
15-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €156,859 ▲2.2%
Operating result €235,639, net result €156,859, both a record.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200,000Eq €276,848 ▲124%
2 profitable years in a row build equity to €276,848.
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Charleroi · 1 establishment unit since 2022
Ground area
350 m²
Building footprint
133 m²
Volume, LiDAR
1,754 m³
Parcel 52026D0500/00W002, Wallonia · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Styl - Optic
since 20222.327.305.459
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52026D0500/00W002 | Wallonia | 350 m² | 1 · 133 m² | 15.5 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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AUDIOPTIC
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BE 0466.691.348
Erpe-Mere · Eq €307,705
Of 1,733 companies in sector 47742 we hold annual accounts for 1,139. 890 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
Founded25-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
E-invoicing
Reachable via Peppol
Peppol ID
0208:0780870685
Also
9925:BE0780870685
Registered
15-11-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.