VISION OPTICAL CENTER
ActiveVISION OPTICAL CENTER has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €355k and a net result of €32k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 69% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+1
Solvency82▼-2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 10.82 against 8.35 in 2024; short-term debt: 9.2% and cash: 51% of total assets), and 43.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 47
higher
← 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
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
56.6%
Return on assets
5%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
1 d late
2023
31 d late
2022
27 d late
2021
31 d late
2020
30 d late
2019
on the day
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€355k▲ 9.8%
2024 · €324k
2018: €221k
2019: €248k
2020: €263k
2021: €278k
2022: €290k
2023: €302k
2024: €324k
2018 → 2025
Total assets
€627k▲ 14.7%
2024 · €547k
2018: €410k
2019: €448k
2020: €462k
2021: €474k
2022: €498k
2023: €509k
2024: €547k
2018 → 2025
Net result
€32k▲ 43.5%
2024 · €22k
2018: €26k
2019: €27k
2020: €15k
2021: €15k
2022: €12k
2023: €11k
2024: €22k
2018 → 2025
Working capital
€569k▲ 19.5%
2024 · €476k
2018: €248k
2019: €419k
2020: €422k
2021: €412k
2022: €431k
2023: €449k
2024: €476k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€278k-€290k▲ 4.3%€302k▲ 4.0%€324k▲ 7.3%€355k▲ 9.8%
Operating result€18k-€16k▼ 9.2%€15k▼ 9.7%€29k▲ 97.6%€40k▲ 37.8%
Net result€15k-€12k▼ 20.3%€11k▼ 3.5%€22k▲ 92.4%€32k▲ 43.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 38% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €627k
Fixed assets
€356▼ 94.3%
Current assets
€627k▲ 15.9%
Equity and liabilities €627k
Equity
€355k▲ 9.8%
Debt
€272k▲ 21.7%
The debt ratio rises from 40.9% to 43.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▲
2024 · €35k
Cash flow
€38k▲
2024 · €28k
Solvency
56.6%▼
2024 · 59.1%
Current ratio
10.82▲
2024 · 8.35
Quick ratio
9.37▲
2024 · 6.89
Debt / equity
0.77▲
2024 · 0.69
ROE
8.9%▲
2024 · 6.8%
ROA
5.0%▲
2024 · 4.0%
Interest coverage
109.44▲
2024 · 89.14
Debt
€272k▲
2024 · €224k
Debt ≤ 1 year
€58k▼
2024 · €65k
Debt > 1 year
€200k▲
2024 · €150k
Income taxes
€16k▲
2024 · €9k
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€547k€627k▲
Fixed assets21/28€6k€356▼
Tangible fixed assets22/27€6k€356▼
Plant, machinery and equipment23€6k€356▼
Current assets29/58€541k€627k▲
Stocks and contracts in progress3€95k€84k▼
Stocks30/36€95k€84k▼
Amounts receivable within one year40/41€6k€10k▲
Trade receivables40€3k€10k▲
Other amounts receivable41€3k-
Current investments50/53€220k€200k▼
Cash at bank and in hand54/58€189k€320k▲
Deferred charges and accrued income490/1€32k€13k▼
Equity and liabilities
Total equity and liabilities10/49€547k€627k▲
Equity10/15€324k€355k▲
Contributions10/11€25k€25k=
Reserves13€299k€330k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€296k€328k▲
Amounts payable17/49€224k€272k▲
Amounts payable after more than one year17€150k€200k▲
Other amounts payable178/9€150k€200k▲
Amounts payable within one year42/48€65k€58k▼
Trade debts44€15k€21k▲
Suppliers440/4€15k€21k▲
Taxes, remuneration and social security45€7k€29k▲
Taxes450/3€7k€26k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€43k€8k▼
Accrued charges and deferred income492/3€9k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€10k-
Gross operating margin9900€45k€46k▲
Operating profit (loss)9901€29k€40k▲
Financial income75/76B€2k€8k▲
Recurring financial income75€2k€8k▲
Non-recurring financial income76B€53-
Financial charges65/66B€534€418▼
Recurring financial charges65€391€418▲
Non-recurring financial charges66B€144-
Profit (loss) for the period before taxes9903€31k€48k▲
Income taxes67/77€9k€16k▲
Profit (loss) for the period9904€22k€32k▲
Profit (loss) for the period to be appropriated9905€22k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€32k▲
Transfer to equity691/2€22k€32k▲
To other reserves6921€22k€32k▲
The notes to these accounts (6 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €32k ▲43.5%
Net result €32k, the highest in the series.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €11k ▼3.5%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 6current ratio 15.46
Current ratio from 2.53 to 15.46; short-term debt falls from €162k to €29k.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
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.
Directors · office · real estate
Directors
1 act for this company is 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, Montigny-le-Tilleul · 1 establishment unit since 2004
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 des Pommiers 546110 Montigny-le-TilleulGround area
3,911 m²
Building footprint
196 m²
Volume, LiDAR
963 m³
2 parcels, Brussels, Wallonia · tallest building 18.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OPTIQUE DE PAEPE
since 20042.139.062.707
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21809K2031/00D000 | Brussels | 2,942 m² | 1 · 23 m² | 18.6 m · 1 fl. |
| 52048B0398/00T000 | Wallonia | 969 m² | 1 · 173 m² | 9.5 m · 2 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.
Similar companies · same sector, comparable size
NATHALIE BLADT
BE 0723.540.420
Leuven · Eq €359k
Equipe stric
BE 0779.921.669
Lier · Eq €350k
NIMY OPTIQUE
BE 0811.593.852
Mons · Eq €361k
DOUBLE O'NINE
BE 0465.436.979
Lede · Eq €349k
OOGA
BE 0827.624.487
Dendermonde · Eq €365k
Of 1,729 companies in sector 47742 we hold annual accounts for 1,138. 874 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-05-2004
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
52485
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.