UWOPTIEK
ActiveThe computed 12-month bankruptcy probability of UWOPTIEK is 1.6% (moderate). The 2024 annual accounts show negative equity (€-247k) and a net result of €-37k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 26053 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
24
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability16▲+16
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.31 against 0.22 in 2023; short-term debt: 97.6% and cash: 0.2% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
-54.1%
Return on assets
-8%
Age of the figures
20 mo
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 →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-247k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-11-2025, 113 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
113 d late
2023
54 d late
2022
35 d late
2021
54 d late
2020
221 d late
2019
585 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-247k▼ 17.4%
2023 · €-211k
2018: €27k
2019: €1k
2020: €376
2021: €10k
2022: €-1k
2023: €-211k
2018 → 2024
Total assets
€457k▲ 7.0%
2023 · €427k
2018: €84k
2019: €50k
2020: €78k
2021: €86k
2022: €83k
2023: €427k
2018 → 2024
Net result
€-37k▲ 82.5%
2023 · €-210k
2018: €-9k
2019: €-26k
2020: €-689
2021: €10k
2022: €-11k
2023: €-210k
2018 → 2024
Working capital
€-307k▼ 16.4%
2023 · €-264k
2018: €22k
2019: €-4k
2020: €-4k
2021: €-4k
2022: €-32k
2023: €-264k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€376-€10k▲ 2,647%€-1k€-211k▼ 19,389%€-247k▼ 17.4%
Operating result€13k-€20k▲ 59.4%€4k▼ 81.7%€-187k€-13k▲ 92.8%
Net result€-689-€10k€-11k€-210k▼ 1,739%€-37k▲ 82.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2024 against €187k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €457k
Fixed assets
€318k▼ 9.5%
Current assets
€139k▲ 83.0%
Key figures and ratios
EBITDA
€20k▲
2023 · €-163k
Cash flow
€-3k▲
2023 · €-186k
Solvency
-54.1%▼
2023 · -49.3%
Current ratio
0.31▲
2023 · 0.22
Quick ratio
0.11▲
2023 · 0.09
Debt / equity
-2.85▲
2023 · -3.03
ROA
-8.0%▲
2023 · -49.1%
Interest coverage
0.87▲
2023 · -9.09
Debt
€705k▲
2023 · €638k
Debt ≤ 1 year
€446k▲
2023 · €340k
Debt > 1 year
€255k▼
2023 · €295k
Income taxes
€279▼
2023 · €5k
Staff costs
€39k▼
2023 · €53k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€427k€457k▲
Fixed assets21/28€351k€318k▼
Intangible fixed assets21€33k€25k▼
Tangible fixed assets22/27€298k€273k▼
Plant, machinery and equipment23€219k€202k▼
Furniture and vehicles24€53k€48k▼
Leasing and similar rights25€26k€23k▼
Financial fixed assets28€20k€20k=
Current assets29/58€76k€139k▲
Stocks and contracts in progress3€44k€89k▲
Stocks30/36€44k€89k▲
Amounts receivable within one year40/41€31k€49k▲
Trade receivables40€7k€2k▼
Other amounts receivable41€24k€47k▲
Cash at bank and in hand54/58€530€746▲
Deferred charges and accrued income490/1€154€664▲
Equity and liabilities
Total equity and liabilities10/49€427k€457k▲
Equity10/15€-211k€-247k▼
Contributions10/11€12k€12k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€-226k€-262k▼
Amounts payable17/49€638k€705k▲
Amounts payable after more than one year17€295k€255k▼
Financial debts170/4€295k€255k▼
Amounts payable within one year42/48€340k€446k▲
Current portion of amounts payable after more than one year42€38k€40k▲
Financial debts43-€13k
Credit institutions430/8-€13k
Trade debts44€195k€299k▲
Suppliers440/4€195k€299k▲
Advances received on contracts in progress46€13k-
Taxes, remuneration and social security45€57k€53k▼
Taxes450/3€55k€47k▼
Remuneration and social security454/9€2k€5k▲
Other amounts payable47/48€37k€42k▲
Accrued charges and deferred income492/3€4k€4k=
Income statement
Code20232024
Remuneration, social security and pensions62€53k€39k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€33k▲
Other operating charges640/8€8k€6k▼
Non-recurring operating charges66A€7k€6k▼
Gross operating margin9900€-94k€71k▲
Operating profit (loss)9901€-187k€-13k▲
Financial income75/76B€2€1▼
Recurring financial income75€2€1▼
Financial charges65/66B€18k€23k▲
Recurring financial charges65€18k€23k▲
Profit (loss) for the period before taxes9903€-204k€-36k▲
Income taxes67/77€5k€279▼
Profit (loss) for the period9904€-210k€-37k▲
Profit (loss) for the period to be appropriated9905€-210k€-37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-226k€-262k▼
Profit (loss) brought forward from the previous period14P€-16k€-226k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
21-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 113 days late
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 54 days late
2023
31-12
Financial
Weakest financial yearnet €-210k
Net result drops to €-210k, the lowest in the series; recovery starts the following year.
04-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 35 days late
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 54 days late
09-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 221 days late
08-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 585 days late
05-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 948 days late
2021
31-12
Financial
Back to profitnet €10k
Net result €10k after 3 loss-making years.
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 184 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Namur · 1 establishment unit since 2016
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.
Avenue Baron Louis Huart 215000 NamurGround area
463 m²
Building footprint
168 m²
Volume, LiDAR
2,684 m³
2 parcels, Wallonia · tallest building 18.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
UWOPTIEK
since 20162.255.659.972
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302D0179/00Z000 ProtectedSite or landscape |
Wallonia | 284 m² | 1 · 111 m² | 17.4 m · 5 fl. |
| 92094C0072/00C000 | Wallonia | 178 m² | 1 · 57 m² | 18.3 m · 6 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.
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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Posi-Tief
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Of 1,728 companies in sector 47742 we hold annual accounts for 1,138. 497 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2016
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.
Contact details
1 entryE-mail:uwoptiek@gmail.com