VC OPTICS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €10k and a net result of €-2k. Equity is shrinking by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 2413 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
40 d late
2023
405 d late
2022
29 d late
2021
394 d late
2020
89 d late
2019
63 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 13.9%
2024 · €11k
2018: €17k
2019: €18k
2020: €24k
2021: €31k
2022: €26k
2023: €14k
2024: €11k
2018 → 2025
Net result
€-2k▲ 48.8%
2024 · €-3k
2018: €20k
2019: €1k
2020: €6k
2021: €8k
2022: €-5k
2023: €-12k
2024: €-3k
2018 → 2025
Total assets
€10k▼ 13.9%
2024 · €11k
2018: €35k
2019: €23k
2020: €27k
2021: €39k
2022: €26k
2023: €14k
2024: €11k
2018 → 2025
Solvency
100.0%=
2024 · 100.0%
2018: 49.0%
2019: 77.2%
2020: 88.4%
2021: 78.6%
2022: 100.0%
2023: 100.0%
2024: 100.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€26k▼ 15.1%€14k▼ 44.5%€11k▼ 21.3%€10k▼ 13.9%
Operating result€12k-€-8k€-7k▲ 4.3%€-3k▲ 62.3%€-1k▲ 57.2%
Net result€8k-€-5k€-12k▼ 150%€-3k▲ 73.5%€-2k▲ 48.8%
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 €1k in 2025 against €3k in 2024; the loss shrinks.
Key figures and ratios
Solvency
100.0%=
2024 · 100.0%
ROE
-16.1%▲
2024 · -27.1%
ROA
-16.1%▲
2024 · -27.1%
Income taxes
€120▲
2024 · €117
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€11k€10k▼
Fixed assets21/28€2k-
Tangible fixed assets22/27€2k-
Plant, machinery and equipment23€2k-
Current assets29/58€9k€10k▲
Amounts receivable after more than one year29€8k-
Other amounts receivable291€8k-
Amounts receivable within one year40/41€601€9k▲
Other amounts receivable41€601€9k▲
Cash at bank and in hand54/58€840€1k▲
Equity and liabilities
Total equity and liabilities10/49€11k€10k▼
Equity10/15€11k€10k▼
Contributions10/11€19k€19k=
Reserves13€8k€8k=
Tax-exempt reserves132-€8k
Distributable reserves133€8k-
Profit (loss) carried forward14€-15k€-16k▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61-€478
Other operating charges640/8€306€126▼
Non-recurring operating charges66A-€607
Gross operating margin9900€-3k€-478▲
Operating profit (loss)9901€-3k€-1k▲
Financial charges65/66B€123€238▲
Recurring financial charges65€123€238▲
Profit (loss) for the period before taxes9903€-3k€-1k▲
Income taxes67/77€117€120▲
Profit (loss) for the period9904€-3k€-2k▲
Profit (loss) for the period to be appropriated9905€-3k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-16k▼
Profit (loss) brought forward from the previous period14P€-12k€-15k▼
The notes to these accounts (1 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
09-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 405 days late
2023
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 394 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 4.19
Current ratio from 1.96 to 4.19; short-term debt falls from €18k to €5k.
05-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 97 days late
05-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 462 days late
05-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 827 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, Oostende · 1 establishment unit since 2006
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.
Van Iseghemlaan 1158400 OostendeGround area
591 m²
Building footprint
296 m²
Volume, LiDAR
6,108 m³
Parcel 35013A1595/00T033, Flanders · tallest building 28.3 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
KATTEIE
since 20062.151.945.691
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A1595/00T033 | Flanders | 590 m² | 1 · 296 m² | 28.3 m · 8 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.
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Of 591 companies in sector 66300 we hold annual accounts for 366. 110 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-12-2005
Fiscal year end31-12
Activities, NACEBEL
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.