VEROPTIQUE
ActiveSummary
VEROPTIQUE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €342,769 and a net result of €32,206. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 95% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-4
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 26.33 against 13.48 in 2024; short-term debt: 3.7% and cash: 57.7% of total assets), and 3.7% of the assets are financed with debt.
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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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
96.3%
Return on assets
9%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
2025
24 d late
2024
4 d late
2023
7 d late
2022
24 d early
2021
31 d late
2020
3 d early
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 8 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€342,769▲ 10.4%
2024 · €310,563
Total assets
€355,991▲ 6.4%
2024 · €334,536
Net result
€32,206▼ 22.7%
2024 · €41,679
Working capital
€334,905▲ 12.0%
2024 · €299,107
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€73,802▲ 168%€20,134▼ 72.7%€31,970▲ 58.8%€55,005▲ 72.1%€42,528▼ 22.7%
Net result€54,146above the sector's middle half▲ 160%€15,035within the sector's middle half▼ 72.2%€23,235above the sector's middle half▲ 54.5%€41,679above the sector's middle half▲ 79.4%€32,206above the sector's middle half▼ 22.7%
Equity€224,415above the sector's middle half▲ 31.8%€239,450above the sector's middle half▲ 6.7%€268,885above the sector's middle half▲ 12.3%€310,563above the sector's middle half▲ 15.5%€342,769above the sector's middle half▲ 10.4%
Total assets€251,103within the sector's middle half▲ 31.3%€383,081above the sector's middle half▲ 52.6%€288,306within the sector's middle half▼ 24.7%€334,536above the sector's middle half▲ 16.0%€355,991above the sector's middle half▲ 6.4%
Debt€26,688▲ 27.7%€143,632▲ 438%€19,421▼ 86.5%€23,973▲ 23.4%€13,222▼ 44.8%
Working capital€201,934above the sector's middle half▲ 42.0%€222,982above the sector's middle half▲ 10.4%€253,784above the sector's middle half▲ 13.8%€299,107above the sector's middle half▲ 17.9%€334,905above the sector's middle half▲ 12.0%
Solvency89.4%above the sector's middle half▲ 0.3pp62.5%above the sector's middle half▼ 26.9pp93.3%above the sector's middle half▲ 30.8pp92.8%above the sector's middle half▼ 0.4pp96.3%above the sector's middle half▲ 3.5pp
Current ratio8.57above the sector's middle half▲ 0.772.55within the sector's middle half▼ 6.0114.07above the sector's middle half▲ 11.5113.48above the sector's middle half▼ 0.5926.33above the sector's middle half▲ 12.85
Return on assets (ROA)21.6%above the sector's middle half▲ 10.7pp3.9%within the sector's middle half▼ 17.6pp8.1%within the sector's middle half▲ 4.1pp12.5%above the sector's middle half▲ 4.4pp9.0%within the sector's middle half▼ 3.4pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €355,991
Fixed assets
€7,864 ▼ 31.4%
Current assets
€348,127 ▲ 7.8%
Equity and liabilities €355,991
Equity
€342,769 ▲ 10.4%
Debt
€13,222 ▼ 44.8%
Debt's share of the balance-sheet total falls from 7.2% to 3.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46,121▼
2024 · €58,649
Cash flow
€35,799▼
2024 · €45,323
Quick ratio
23.09▲
2024 · 11.79
Debt to equity
0.04▼
2024 · 0.08
ROE
9.4%▼
2024 · 13.4%
Interest coverage
245.86▲
2024 · 214.04
Debt ≤ 1 year
€13,222▼
2024 · €23,973
Income taxes
€13,051▼
2024 · €16,040
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,679 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,679 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,664 | €6,590 | €6,395 | €3,644 | €3,593 | ▼ 1.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€1,530 | -€1,075 | €2,554 | €222 | €229 | ▲ 2.9% |
| Other operating charges640/8 | €70 | €70 | €1,089 | €1,428 | €1,488 | ▲ 4.2% |
| Non-recurring operating charges66A | €436 | - | - | - | - | - |
| Gross operating margin9900 | €79,442 | €25,719 | €42,008 | €60,299 | €47,838 | ▼ 20.7% |
| Operating profit (loss)9901 | €73,802 | €20,134 | €31,970 | €55,005 | €42,528 | ▼ 22.7% |
| Financial income75/76B | €1,368 | €1,465 | €937 | €2,988 | €2,916 | ▼ 2.4% |
| Recurring financial income75 | €1,368 | €1,465 | €937 | €2,988 | €2,916 | ▼ 2.4% |
| Financial charges65/66B | €384 | €444 | €495 | €274 | €188 | ▼ 31.5% |
| Recurring financial charges65 | €384 | €444 | €495 | €274 | €188 | ▼ 31.5% |
| Profit (loss) for the period before taxes9903 | €74,786 | €21,155 | €32,412 | €57,719 | €45,257 | ▼ 21.6% |
| Income taxes67/77 | €20,640 | €6,120 | €9,177 | €16,040 | €13,051 | ▼ 18.6% |
| Profit (loss) for the period9904 | €54,146 | €15,035 | €23,235 | €41,679 | €32,206 | ▼ 22.7% |
| Profit (loss) for the period to be appropriated9905 | €54,146 | €15,035 | €23,235 | €41,679 | €32,206 | ▼ 22.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €251,103 | €383,081 | €288,306 | €334,536 | €355,991 | ▲ 6.4% |
| Fixed assets21/28 | €22,480 | €16,468 | €15,101 | €11,457 | €7,864 | ▼ 31.4% |
| Intangible fixed assets21 | €1,177 | €588 | - | - | - | - |
| Tangible fixed assets22/27 | €21,303 | €15,879 | €15,101 | €11,457 | €7,864 | ▼ 31.4% |
| Plant, machinery and equipment23 | €3,005 | €2,434 | €1,135 | €722 | €360 | ▼ 50.1% |
| Furniture and vehicles24 | €247 | - | €4,917 | €3,912 | €2,906 | ▼ 25.7% |
| Other tangible fixed assets26 | €18,051 | €13,446 | €9,049 | €6,823 | €4,598 | ▼ 32.6% |
| Current assets29/58 | €228,623 | €366,613 | €273,205 | €323,079 | €348,127 | ▲ 7.8% |
| Stocks and contracts in progress3 | €39,024 | €48,966 | €45,335 | €40,377 | €42,792 | ▲ 6.0% |
| Stocks30/36 | €39,024 | €48,966 | €45,335 | €40,377 | €42,792 | ▲ 6.0% |
| Amounts receivable within one year40/41 | €5,669 | €129,096 | €158 | €13,033 | €5,926 | ▼ 54.5% |
| Trade receivables40 | €5,669 | €125,276 | €158 | €13,033 | €4,342 | ▼ 66.7% |
| Other amounts receivable41 | - | €3,821 | - | - | €1,584 | - |
| Current investments50/53 | - | - | €68,000 | €68,000 | €94,000 | ▲ 38.2% |
| Cash at bank and in hand54/58 | €183,889 | €188,049 | €155,806 | €193,149 | €205,250 | ▲ 6.3% |
| Deferred charges and accrued income490/1 | €41 | €502 | €3,906 | €8,521 | €159 | ▼ 98.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €251,103 | €383,081 | €288,306 | €334,536 | €355,991 | ▲ 6.4% |
| Equity10/15 | €224,415 | €239,450 | €268,885 | €310,563 | €342,769 | ▲ 10.4% |
| Contributions10/11 | €12,400 | €12,400 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €212,015 | €227,050 | €250,285 | €291,963 | €324,169 | ▲ 11.0% |
| Distributable reserves133 | €212,015 | €227,050 | €250,285 | €291,963 | €324,169 | ▲ 11.0% |
| Amounts payable17/49 | €26,688 | €143,632 | €19,421 | €23,973 | €13,222 | ▼ 44.8% |
| Amounts payable within one year42/48 | €26,688 | €143,632 | €19,421 | €23,973 | €13,222 | ▼ 44.8% |
| Current portion of amounts payable after more than one year42 | €3,048 | €3,039 | €3,075 | - | - | - |
| Trade debts44 | €9,059 | €125,099 | €4,318 | €3,578 | €4,113 | ▲ 14.9% |
| Suppliers440/4 | €9,059 | €125,099 | €4,318 | €3,578 | €4,113 | ▲ 14.9% |
| Advances received on contracts in progress46 | - | - | - | €3,325 | €975 | ▼ 70.7% |
| Taxes, remuneration and social security45 | €8,011 | €8,891 | €9,778 | €17,069 | €8,134 | ▼ 52.3% |
| Taxes450/3 | €8,011 | €6,640 | €9,778 | €17,069 | €8,134 | ▼ 52.3% |
| Remuneration and social security454/9 | - | €2,251 | - | - | - | - |
| Other amounts payable47/48 | €6,570 | €6,603 | €2,251 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €54,146 | €15,035 | €23,235 | €41,679 | €32,206 | ▼ 22.7% |
| + Depreciation and write-downs630 | €6,664 | €6,590 | €6,395 | €3,644 | €3,593 | ▼ 1.4% |
| Operating cash flow (approximation) | €60,810 | €21,625 | €29,630 | €45,323 | €35,799 | ▼ 21.0% |
| Investment in fixed assets (approximation) | - | -€578 | -€5,027 | €0 | €0 | - |
| Change in cash | - | €4,160 | -€32,244 | €37,343 | €12,100 | ▼ 67.6% |
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
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
31-12
Financial
Liquidity times 6current ratio 14.07
Current ratio from 2.55 to 14.07; short-term debt falls from €143,632 to €19,421.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €15,035 ▼72.2%
Net result drops to €15,035, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €54,146 ▲160%
Operating result €73,802, net result €54,146, both a record.
31-12
Financial
Equity above €200,000Eq €224,415 ▲31.8%
4 profitable years in a row build equity to €224,415.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 7.80
Current ratio from 2.33 to 7.80; short-term debt falls from €80,719 to €20,904.
31-12
Financial
Equity above €150,000Eq €170,269 ▲13.9%
3 profitable years in a row build equity to €170,269.
Show earlier events
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Philippeville · 1 establishment unit since 2014
Ground area
626 m²
Building footprint
104 m²
Parcel 93056D0212/00B000, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Optique Joos
since 20142.224.659.069
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93056D0212/00B000 ProtectedArchitectural ensemble |
Wallonia | 626 m² | 1 · 104 m² | - |
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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 1,733 companies in sector 47742 we hold annual accounts for 1,139. 882 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
Founded29-11-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
32500Manufacture of medical and dental instruments and supplies
33130Repair, maintenance and installation of machinery and equipment
Contact
Phone
071/667578Philippeville
E-invoicing
Reachable via Peppol
Peppol ID
0208:0542596917
Registered
30-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.