TM OPTICS

Active

Private limited companyfounded 20241 yr activeDokter Verhaeghestraat 95, 8400 Oostende, BelgiumKBO/BCE: BE 1017.395.188

The computed 12-month bankruptcy probability of TM OPTICS is 1.8% (moderate). The 2025 annual accounts show negative equity (€-61k) and a net result of €-111k. Its solvency ranks better than 9% of 10230 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

10 / 100

Critical

The score combines four axes. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency41

Growth-

Stability67

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.83), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

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 →

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 2025

Solvency, return and age of the figures

Solvency

-18.1%

Return on assets

-32.9%

Age of the figures

8 mo

Negative equity

Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

NBB · annual accounts 2025

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-09-2026, 38 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 · 1 filing

Deviation from the deadline

2025

38 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€-61k

Total assets

€337k

Net result

€-111k

Working capital

€-33k

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition

Assets €337k

54.0%

46.0%

Fixed assets €182k

Current assets €155k

Key figures and ratios

2025 value

EBITDA

€-77k

Cash flow

€-89k

Solvency

-18.1%

Current ratio

0.83

Quick ratio

0.25

Debt / equity

-6.54

ROE

182.2%

ROA

-32.9%

Interest coverage

-6.76

Debt

€398k

Debt ≤ 1 year

€188k

Debt > 1 year

€210k

Staff costs

€68k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€337k

Fixed assets21/28€182k

Tangible fixed assets22/27€182k

Land and buildings22€171k

Plant, machinery and equipment23€5k

Furniture and vehicles24€7k

Current assets29/58€155k

Stocks and contracts in progress3€107k

Stocks30/36€107k

Amounts receivable within one year40/41€48k

Other amounts receivable41€48k

Equity and liabilities

Total equity and liabilities10/49€337k

Equity10/15€-61k

Contributions10/11€50k

Profit (loss) carried forward14€-111k

Amounts payable17/49€398k

Amounts payable after more than one year17€210k

Financial debts170/4€210k

Amounts payable within one year42/48€188k

Financial debts43€31k

Credit institutions430/8€31k

Trade debts44€64k

Suppliers440/4€64k

Advances received on contracts in progress46€32k

Taxes, remuneration and social security45€11k

Taxes450/3€10k

Remuneration and social security454/9€426

Other amounts payable47/48€50k

Income statement Code2025

Remuneration, social security and pensions62€68k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k

Other operating charges640/8€850

Gross operating margin9900€-9k

Operating profit (loss)9901€-99k

Financial charges65/66B€11k

Recurring financial charges65€11k

Profit (loss) for the period before taxes9903€-111k

Profit (loss) for the period9904€-111k

Profit (loss) for the period to be appropriated9905€-111k

Appropriation of the result

Profit (loss) to be appropriated9906€-111k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

07-09

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 38 days late

NBB filing

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, Oostende · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Dokter Verhaeghestraat 958400 Oostende

Ground area

336 m²

Building footprint

241 m²

Volume, LiDAR

1,961 m³

2 parcels, Brussels, Flanders · tallest building 18.8 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

TM OPTICS

Tongerenstraat 53, 1040 EtterbeekRetail trade

since 20242.368.902.722

2 parcels

Flanders 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21005A0574/00S003	Brussels	224 m²	1 · 190 m²	18.8 m · 2 fl.
35384A0113/00G005	Flanders	112 m²	1 · 50 m²	8.5 m · 2 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 and region

We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 1,725 companies in sector 47742 we hold annual accounts for 1,136.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-12-2024

Fiscal year end31-12

Activities, NACEBEL

47742Retail sale of prescription glasses, lenses and sunglasses

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.