Equity
€200,391 ▲ 32.9%
TOPTIC has made a profit without a break since 2016.
TOPTIC
Lifetime
10 annual accounts with figures on one time axispeak €146,224 (2024)
€146,224▲ 61.0%
lowest -€1,903 (2015)
€64,126▲ 64.8%
peak €200,391 (2024)
€200,391▲ 32.9%
€81,592▼ 6.8%
peak 1 FTE (2015)
-not published
Board2 names since 2023
2 directorsFALLAY François Julien Guy Marie and 1 other
Documentsfilings and deeds
11-06-202550 days before the deadline
2024micro format
Gross margin from €90,821 to €146,224Result from €38,920 to €64,126Dividend €14,500Equity from €150,764 to €200,391Cash from €43,072 to €63,516
Key points
from the 2024 annual accountsChecked score
58
Fair
Financially stronger than 81% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
A confirmed filing finding caps the score at 59.
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.2%▼ -0.1 percentage points vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025lowest value
02-2026: 0.2%● unchanged vs 01-2026lowest value
03-2026: 0.2%● unchanged vs 02-2026lowest value
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026
09-2026: 0.5%▲ +0.1 percentage points vs 08-2026
10-2026: 0.7%▲ +0.2 percentage points vs 09-2026highest value
11-2026: 0.7%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Capped at 59: a confirmed filing finding
Figures for financial year 2024 (filed on 14-06-2025)
lowers risk
Liquidity: current ratio 2.31, cash €63,516
Founded in 2014
Equity €200,391 (71.1% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 82% of them on solvency, 73% on liquidity, 90% on profitability and 81% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as TOPTIC has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of TOPTIC itself: 0.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for TOPTIC. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €11,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity is ample, with a current ratio of 2.31 (2.02 in 2023), above the usual 1.5. Short-term debt is 28.9% and cash 22.5% of total assets. 28.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 102 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline10-11-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-06-2025, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
50 days early
2023
22 days early
2022
18 days early
2021
31 days early
2020
60 days early
2019
38 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 37 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (1)
Board and ownership
- Ann-Sophie RIGOannual accounts 2017
- François FALLAYannual accounts 2017
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0506988118
Legal-form change · Resignations & appointments
Changes of role: RIGO AnnSophie (director) and FALLAY François Julien Guy Marie (director) · RIGO AnnSophie holds 50 shares · FALLAY François Julien Guy Marie holds 50 shares · General meeting of 20-11-2023 · Gazette deed
First establishment
OPTICA, Alsembergsesteenweg 658, Uccle
Incorporation
published on 22-12-2014 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TOPTIC Uccle | €281,983 | €146,224 | 71.1% | - |
| JM AUDIOLOGY Brussels | €444,462 | €114,811 | 60.6% | - |
| HOORWINKEL Antwerp | €214,628 | €127,908 | 21.9% | - |
| HOORCENTRUM DEKELVER Ronse | €352,117 | €163,166 | 68.6% | - |
| CUPOLA Temse | €312,181 | €185,834 | 64.5% | - |
| SPAAS ORTHOPEDIE Hamont-Achel | €295,304 | €125,507 | 73.6% | - |
| LEMAIRE Torhout | €280,306 | €88,124 | 63.4% | - |
These companies have the same main activity as TOPTIC: retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses (NACE 47741). They are comparable in size and age: total assets between €215,000 and €444,000, founded between 2012 and 2017.
Official details
Source: KBO- Status
- Active since 18-12-2014Normal situation
- Activity
- Retail sale of medical and orthopaedic goods, excluding prescription glasses and lensesNACE 47741and 1 other
- Joint committee
- 201Independent retail · annual accounts 2022
- Establishment unit
- 2.237.505.4331180 Uccle, since 01-01-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 14-08-2025
Annual accounts 2024
- ≈ €440,000estimated
- €281,983▲ 18.3%
- Employeeson 31-12-2024
- 1
- Filing
- Filed on 11-06-2025
Insights on TOPTIC
TOPTIC files the micro format. That format states no turnover. The gross margin rose from €68,674 in 2015 to €146,224 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TOPTIC
- What is the company number of TOPTIC?
- The company number of TOPTIC is 0506.988.118. The VAT number is the same number with BE in front: BE 0506.988.118.
- Where is TOPTIC based?
- The registered office is at Alsembergsesteenweg 658, 1180 Uccle.Company details
- What does TOPTIC do?
- According to the KBO register, the main activity is retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses (NACE 47741).
- What is the legal form of TOPTIC?
- TOPTIC is a private limited company (BV).
- When was TOPTIC founded?
- TOPTIC was founded on 18-12-2014.
- Is TOPTIC still active?
- Yes, TOPTIC is an active enterprise in the KBO register.
- How many employees does TOPTIC have?
- TOPTIC had an average of 0.8 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- Which joint committee does TOPTIC fall under?
- In its 2022 annual accounts, TOPTIC states joint committee 201 (Independent retail).
- What is the turnover of TOPTIC?
- The turnover in financial year 2024 is ≈ €440,000. This figure is estimated from the gross margin of €146,224 and 31 comparable companies (NACE 477). It probably lies between €310,000 and €830,000.
- Is TOPTIC profitable?
- In financial year 2024, TOPTIC made a profit of €64,126.
- Where can I find the annual accounts of TOPTIC?
- TOPTIC filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
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