TAVANS OPTICAL
ActiveTAVANS OPTICAL has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €864k and a net result of €190k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 72% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+2
Solvency85▲+13
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 2.47 against 1.85 in 2024; short-term debt: 38.7% and cash: 61.9% of total assets), and 40.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
59.8%
Return on assets
13.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
on the day
2023
29 d late
2022
60 d late
2021
31 d late
2020
81 d late
2019
55 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€864k▲ 28.2%
2024 · €674k
2018: €939k
2019: €1.08M
2020: €1.22M
2021: €1.33M
2022: €1.43M
2023: €1.02M
2024: €674k
2018 → 2025
Total assets
€1.44M▼ 0.4%
2024 · €1.45M
2018: €1.42M
2019: €1.18M
2020: €1.31M
2021: €1.45M
2022: €1.53M
2023: €1.37M
2024: €1.45M
2018 → 2025
Net result
€190k▲ 17.8%
2024 · €161k
2018: €84k
2019: €137k
2020: €142k
2021: €111k
2022: €97k
2023: €112k
2024: €161k
2018 → 2025
Working capital
€820k▲ 28.9%
2024 · €637k
2018: €906k
2019: €1.07M
2020: €1.18M
2021: €1.30M
2022: €1.40M
2023: €996k
2024: €637k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.33M-€1.43M▲ 7.3%€1.02M▼ 28.5%€674k▼ 33.9%€864k▲ 28.2%
Operating result€189k-€140k▼ 25.8%€165k▲ 17.3%€219k▲ 33.1%€269k▲ 22.7%
Net result€111k-€97k▼ 12.2%€112k▲ 15.3%€161k▲ 44.1%€190k▲ 17.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 23% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.44M
Fixed assets
€65k▲ 2.6%
Current assets
€1.38M▼ 0.5%
Equity and liabilities €1.44M
Equity
€864k▲ 28.2%
Debt
€580k▼ 25.2%
The debt ratio falls from 53.5% to 40.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€278k▲
2024 · €230k
Cash flow
€199k▲
2024 · €172k
Solvency
59.8%▲
2024 · 46.5%
Current ratio
2.47▲
2024 · 1.85
Quick ratio
1.81▲
2024 · 1.38
Debt / equity
0.67▼
2024 · 1.15
ROE
22.0%▼
2024 · 23.9%
ROA
13.2%▲
2024 · 11.1%
Interest coverage
43.60▼
2024 · 59.34
Debt
€580k▼
2024 · €775k
Debt ≤ 1 year
€558k▼
2024 · €749k
Debt > 1 year
€20k▼
2024 · €25k
Income taxes
€89k▲
2024 · €72k
Staff costs
€112k▲
2024 · €91k
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€1.45M€1.44M▼
Fixed assets21/28€63k€65k▲
Tangible fixed assets22/27€60k€62k▲
Land and buildings22€6k€5k▼
Plant, machinery and equipment23€52k€49k▼
Furniture and vehicles24-€8k
Other tangible fixed assets26€2k€0▼
Financial fixed assets28€3k€3k=
Current assets29/58€1.39M€1.38M▼
Stocks and contracts in progress3€355k€371k▲
Stocks30/36€355k€371k▲
Amounts receivable within one year40/41€143k€105k▼
Trade receivables40€21k€6k▼
Other amounts receivable41€122k€99k▼
Current investments50/53€600k€0▼
Cash at bank and in hand54/58€273k€893k▲
Deferred charges and accrued income490/1€15k€10k▼
Equity and liabilities
Total equity and liabilities10/49€1.45M€1.44M▼
Equity10/15€674k€864k▲
Reserves13€674k€864k▲
Distributable reserves133€674k€864k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€775k€580k▼
Amounts payable after more than one year17€25k€20k▼
Financial debts170/4€25k€20k▼
Amounts payable within one year42/48€749k€558k▼
Trade debts44€60k€46k▼
Suppliers440/4€60k€46k▼
Advances received on contracts in progress46€13k€12k▼
Taxes, remuneration and social security45€72k€126k▲
Taxes450/3€48k€101k▲
Remuneration and social security454/9€23k€25k▲
Other amounts payable47/48€604k€375k▼
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€91k€112k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€9k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€8k€-62k▼
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€3k€2k▼
Gross operating margin9900€334k€333k▼
Operating profit (loss)9901€219k€269k▲
Financial income75/76B€18k€17k▼
Recurring financial income75€18k€17k▼
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€233k€279k▲
Income taxes67/77€72k€89k▲
Profit (loss) for the period9904€161k€190k▲
Profit (loss) for the period to be appropriated9905€161k€190k▲
Appropriation of the result
Profit (loss) to be appropriated9906€161k€190k▲
Transfer from equity791/2€506k€0▼
Transfer to equity691/2€161k€190k▲
To other reserves6921€161k€190k▲
Profit to be distributed694/7€506k€0▼
Return on contributions (dividend)694€506k€0▼
Social balance
Average headcount (FTE)90871.91.8▼
The notes to these accounts (20 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
31-12
Financial
Highest result since 2018net €190k ▲17.8%
Operating result €269k, net result €190k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 81 days late
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 55 days late
2019
31-12
Financial
Liquidity quadruplescurrent ratio 12.24
Current ratio from 2.86 to 12.24; short-term debt falls from €486k to €95k.
31-12
Financial
Equity above €1MEq €1.08M ▲14.6%
2 profitable years in a row build equity to €1.08M.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hasselt · 1 establishment unit since 1988
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.
Havermarkt 43500 HasseltGround area
172 m²
Building footprint
157 m²
Volume, LiDAR
1,596 m³
Parcel 71022H0909/00B000, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
OPTIEK TACKOEN
since 19882.034.128.996
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71022H0909/00B000 | Flanders | 172 m² | 1 · 157 m² | 14.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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De Mey Annik
BE 0414.380.337
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JO WARNIERS
BE 0433.908.120
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OPTIEK DELRUE
BE 0427.223.731
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Of 1,729 companies in sector 47742 we hold annual accounts for 1,138. 680 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-1988
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 38 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.