TopOptics
ActiveSummary
TopOptics has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €55k and a net result of €9k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 50% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability60▲+18
Solvency58▼-13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.74 in 2023; short-term debt: 67.4% and cash: 57% of total assets), and 67.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 · 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 2024Solvency, return and age of the figures
Solvency
32.6%
Return on assets
5.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-10-2025, 75 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
2024
75 d late
2023
29 d late
2022
29 d late
2021
16 d late
2020
24 d late
2019
4 d late
2018
2 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€55k▲ 7.9%
2023 · €51k
Total assets
€168k▲ 53.0%
2023 · €110k
Net result
€9k▲ 185%
2023 · €3k
Working capital
€51k▲ 16.6%
2023 · €44k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€17k▲ 203%€53k▲ 213%€1k▼ 97.5%€5k▲ 284%€26k▲ 406%
Net result€5k▲ 104%€32k▲ 578%€-3k€3k€9k▲ 185%
Equity€19k▼ 24.0%€51k▲ 167%€48k▼ 5.8%€51k▲ 6.4%€55k▲ 7.9%
Total assets€54k▲ 13.6%€83k▲ 53.6%€136k▲ 64.9%€110k▼ 19.7%€168k▲ 53.0%
Debt€35k▲ 55.1%€32k▼ 8.0%€89k▲ 176%€59k▼ 33.7%€113k▲ 91.9%
Working capital€16k▼ 41.6%€42k▲ 163%€39k▼ 7.9%€44k▲ 12.6%€51k▲ 16.6%
Staff (FTE)11=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 406% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €168k
Fixed assets
€4k ▼ 44.7%
Current assets
€164k ▲ 59.9%
Equity and liabilities €168k
Equity
€55k ▲ 7.9%
Debt
€113k ▲ 91.9%
Debt's share of the balance-sheet total rises from 53.7% to 67.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€29k▲
2023 · €7k
Cash flow
€12k▲
2023 · €5k
Current ratio
1.45▼
2023 · 1.74
Quick ratio
1.36▼
2023 · 1.47
Debt to equity
2.06▲
2023 · 1.16
ROE
15.9%▲
2023 · 6.0%
ROA
5.2%▲
2023 · 2.8%
Interest coverage
4.20▲
2023 · 2.35
Debt ≤ 1 year
€113k▲
2023 · €59k
Income taxes
€11k▲
2023 · €-861
Staff costs
€60k▲
2023 · €32k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €1k | €18 | €420 | ▲ 2,225% |
| Remuneration, social security and pensions62 | - | - | €31k | €32k | €60k | ▲ 87.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €330 | €586 | €1k | €2k | €3k | ▲ 75.0% |
| Other operating charges640/8 | - | - | €823 | €1k | €3k | ▲ 155% |
| Non-recurring operating charges66A | - | - | €2 | - | - | - |
| Gross operating margin9900 | €20k | €69k | €34k | €40k | €93k | ▲ 130% |
| Operating profit (loss)9901 | €17k | €53k | €1k | €5k | €26k | ▲ 406% |
| Financial income75/76B | - | - | €330 | - | €1k | - |
| Recurring financial income75 | €245 | €268 | €330 | - | €1k | - |
| Financial charges65/66B | - | - | €3k | €3k | €7k | ▲ 135% |
| Recurring financial charges65 | €10k | €3k | €3k | €3k | €7k | ▲ 135% |
| Profit (loss) for the period before taxes9903 | €8k | €50k | €-2k | €2k | €20k | ▲ 823% |
| Income taxes67/77 | €3k | €18k | €1k | €-861 | €11k | ▲ 1,434% |
| Profit (loss) for the period9904 | €5k | €32k | €-3k | €3k | €9k | ▲ 185% |
| Profit (loss) for the period to be appropriated9905 | €5k | €32k | €-3k | €3k | €9k | ▲ 185% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €54k | €83k | €136k | €110k | €168k | ▲ 53.0% |
| Fixed assets21/28 | €3k | €9k | €9k | €7k | €4k | ▼ 44.7% |
| Tangible fixed assets22/27 | €3k | €9k | €9k | €7k | €4k | ▼ 44.7% |
| Land and buildings22 | - | - | €5k | €4k | €3k | ▼ 25.9% |
| Furniture and vehicles24 | - | - | €4k | €3k | €650 | ▼ 76.0% |
| Current assets29/58 | €51k | €74k | €127k | €102k | €164k | ▲ 59.9% |
| Stocks and contracts in progress3 | €7k | €14k | €21k | €16k | €10k | ▼ 33.5% |
| Stocks30/36 | - | - | €21k | €16k | €10k | ▼ 33.5% |
| Amounts receivable within one year40/41 | €4k | €12k | €22k | €23k | €52k | ▲ 129% |
| Trade receivables40 | - | - | €19k | €11k | €50k | ▲ 363% |
| Other amounts receivable41 | - | - | €3k | €12k | €3k | ▼ 78.6% |
| Current investments50/53 | €5k | €5k | €5k | €5k | €5k | = |
| Cash at bank and in hand54/58 | €34k | €42k | €78k | €59k | €96k | ▲ 63.3% |
| Deferred charges and accrued income490/1 | - | - | €343 | €412 | €479 | ▲ 16.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €54k | €83k | €136k | €110k | €168k | ▲ 53.0% |
| Equity10/15 | €19k | €51k | €48k | €51k | €55k | ▲ 7.9% |
| Contributions10/11 | €12k | €12k | €12k | €12k | €12k | = |
| Outside capital11 | - | - | €12k | €12k | - | - |
| Other1109/19 | - | - | €12k | €12k | - | - |
| Reserves13 | €7k | €38k | €38k | €38k | €42k | ▲ 10.5% |
| Non-distributable reserves130/1 | - | - | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | - | €2k | €2k | €2k | = |
| Distributable reserves133 | - | - | €36k | €36k | €40k | ▲ 11.0% |
| Profit (loss) carried forward14 | - | - | €-3k | - | €0 | - |
| Amounts payable17/49 | €35k | €32k | €89k | €59k | €113k | ▲ 91.9% |
| Amounts payable within one year42/48 | €35k | €32k | €89k | €59k | €113k | ▲ 91.9% |
| Trade debts44 | €12k | €6k | €33k | €25k | €35k | ▲ 42.7% |
| Suppliers440/4 | - | - | €33k | €25k | €35k | ▲ 42.7% |
| Advances received on contracts in progress46 | - | - | €27k | €3k | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | - | €28k | €32k | €74k | ▲ 132% |
| Taxes450/3 | - | - | €27k | €28k | €64k | ▲ 132% |
| Remuneration and social security454/9 | - | - | €1k | €4k | €9k | ▲ 129% |
| Other amounts payable47/48 | - | - | - | - | €4k | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5k | €32k | €-3k | €3k | €9k | ▲ 185% |
| + Depreciation and write-downs630 | €330 | €586 | €1k | €2k | €3k | ▲ 75.0% |
| Operating cash flow (approximation) | €5k | €32k | €-2k | €5k | €12k | ▲ 144% |
| Investment in fixed assets (approximation) | - | €-6k | €-2k | €0 | €0 | - |
| Change in cash | - | €8k | €36k | €-20k | €37k | ▲ 286% |
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
2025
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 75 days late
2023
29-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
31-03
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
31-03
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
2021
16-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
31-03
Financial
Highest result since 2019net €32k ▲578%
Operating result €53k, net result €32k, both a record.
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2019
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
14-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
10-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Le Roeulx · 1 establishment unit since 2011
Ground area
1,502 m²
Building footprint
78 m²
Volume, LiDAR
574 m³
Parcel 55035B0289/00V003, Wallonia · tallest building 8.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Topoptics
since 20112.197.873.411
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55035B0289/00V003 | Wallonia | 1,502 m² | 1 · 78 m² | 8.8 m · 3 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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Of 1,732 companies in sector 47742 we hold annual accounts for 1,137. 939 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
Founded29-03-2011
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
Scores and ratios are computed by Checked and are not a credit decision.