Techno - Photo
ActiveSummary
Techno - Photo has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €288k and a net result of €20k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 81% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+1
Solvency94=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.21 against 3.2 in 2024; short-term debt: 26.2% and cash: 74.5% of total assets), and 30.5% of the assets are financed with debt.
Credit check 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
69.5%
Return on assets
4.9%
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 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
66 d late
2020
13 d late
2019
21 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€288k▲ 7.5%
2024 · €267k
2018: €234k
2019: €244k
2020: €238k
2021: €249k
2022: €265k
2023: €252k
2024: €267k
2018 → 2025
Total assets
€414k▲ 7.1%
2024 · €386k
2018: €331k
2019: €323k
2020: €330k
2021: €334k
2022: €368k
2023: €376k
2024: €386k
2018 → 2025
Net result
€20k▲ 29.6%
2024 · €16k
2018: €21k
2019: €10k
2020: €-7k
2021: €11k
2022: €16k
2023: €-13k
2024: €16k
2018 → 2025
Working capital
€239k▲ 7.2%
2024 · €223k
2018: €169k
2019: €186k
2020: €174k
2021: €192k
2022: €213k
2023: €205k
2024: €223k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€249k-€265k▲ 6.3%€252k▼ 4.9%€267k▲ 6.2%€288k▲ 7.5%
Operating result€15k-€22k▲ 51.2%€-9k€17k€23k▲ 36.0%
Net result€11k-€16k▲ 38.4%€-13k€16k€20k▲ 29.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 36% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €414k
Fixed assets
€67k ▲ 6.7%
Current assets
€347k ▲ 7.1%
Equity and liabilities €414k
Equity
€288k ▲ 7.5%
Provisions
€18k =
Debt
€108k ▲ 7.1%
Debt's share of the balance-sheet total stays at 26.2%.
Key figures and ratios
EBITDA
€26k▲
2024 · €19k
Cash flow
€22k▲
2024 · €18k
Current ratio
3.21=
2024 · 3.20
Quick ratio
2.93▼
2024 · 3.01
Debt to equity
0.38▼
2024 · 0.38
ROE
7.0%▲
2024 · 5.8%
ROA
4.9%▲
2024 · 4.0%
Interest coverage
9.02▲
2024 · 8.76
Debt ≤ 1 year
€108k▲
2024 · €101k
Income taxes
€8k▲
2024 · €2k
Staff costs
€121k▲
2024 · €114k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€386k€414k▲
Fixed assets21/28€62k€67k▲
Tangible fixed assets22/27€61k€65k▲
Land and buildings22€57k€57k=
Furniture and vehicles24€4k€2k▼
Leasing and similar rights25-€6k
Financial fixed assets28€1k€1k=
Current assets29/58€324k€347k▲
Stocks and contracts in progress3€20k€30k▲
Stocks30/36€20k€30k▲
Amounts receivable within one year40/41€18k€9k▼
Trade receivables40€18k€9k▼
Other amounts receivable41€58-
Cash at bank and in hand54/58€286k€308k▲
Deferred charges and accrued income490/1€229-
Equity and liabilities
Total equity and liabilities10/49€386k€414k▲
Equity10/15€267k€288k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€16k€16k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€189k€209k▲
Provisions and deferred taxes16€18k€18k=
Provisions for liabilities and charges160/5€18k€18k=
Taxes161€18k€18k=
Amounts payable17/49€101k€108k▲
Amounts payable within one year42/48€101k€108k▲
Trade debts44€9k€18k▲
Suppliers440/4€9k€18k▲
Taxes, remuneration and social security45€31k€42k▲
Taxes450/3€9k€14k▲
Remuneration and social security454/9€22k€28k▲
Other amounts payable47/48€61k€49k▼
Income statement
Code20242025
Remuneration, social security and pensions62€114k€121k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€138k€151k▲
Operating profit (loss)9901€17k€23k▲
Financial income75/76B€3k€8k▲
Recurring financial income75€3k€8k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€18k€28k▲
Income taxes67/77€2k€8k▲
Profit (loss) for the period9904€16k€20k▲
Profit (loss) for the period to be appropriated9905€16k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€189k€209k▲
Profit (loss) brought forward from the previous period14P€174k€189k▲
The notes to these accounts (6 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 · abbreviated schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-13k ▼181%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 66 days late
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 24 days late
2017
29-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 90 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 1978
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.
Charleroise Steenweg 1651060 Sint-Gillis (bij-Brussel)Ground area
166 m²
Building footprint
162 m²
Volume, LiDAR
2,203 m³
Parcel 21013B0342/00R011, Brussels · tallest building 21.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Charleroise Steenweg 165, 1060 Sint-Gillis (bij-Brussel)
since 19782.016.343.354
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0342/00R011 | Brussels | 166 m² | 1 · 162 m² | 21.1 m · 6 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.
Similar companies · same sector, comparable size
Optiek Dresen
BE 0428.591.332
Oostende · Eq €287,553
Optique Collin by Charlotte
BE 0805.065.356
Eghezée · Eq €288,094
Optiek Nijs
BE 0898.923.348
Herzele · Eq €286,779
Optiek Withofs
BE 0466.945.132
Peer · Eq €286,650
OPTISCH CENTRUM LAMBRECHTS
BE 0477.038.872
Brecht · Eq €285,913
Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 908 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-10-1978
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
74209Other photographic activities
Sources
Crossroads Bank for EnterprisesNational Bank · 46 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.