Zem Optix
ActiveSummary
Zem Optix has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €123k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 218 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency44▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.18 against 1.14 in 2024; short-term debt: 80.8% and cash: 66.7% of total assets), and 80.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
lower
← 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
19.2%
Return on assets
39.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 218 sector peers (2025).
NBB · sector comparisonPosition among 218 sector peers
Solvency
better than 23%
← weakest
strongest →
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 06-07-2026, 25 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
25 d early
2024
2 d early
2023
2 d early
2022
32 d early
2021
33 d early
2020
38 d early
2019
41 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€60k▼ 3.0%
2024 · €62k
2019: €10k
2020: €19k
2021: €46k
2022: €49k
2023: €53k
2024: €62k
2019 → 2025
Total assets
€314k▲ 11.5%
2024 · €282k
2019: €308k
2020: €273k
2021: €238k
2022: €197k
2023: €180k
2024: €282k
2019 → 2025
Net result
€123k▲ 46.1%
2024 · €84k
2019: €35k
2020: €19k
2021: €77k
2022: €53k
2023: €54k
2024: €84k
2019 → 2025
Working capital
€45k▲ 46.4%
2024 · €31k
2019: €32k
2020: €47k
2021: €31k
2022: €-12k
2023: €3k
2024: €31k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€49k▲ 5.6%€53k▲ 8.1%€62k▲ 17.5%€60k▼ 3.0%
Operating result€107k-€73k▼ 32.0%€75k▲ 3.1%€115k▲ 53.0%€158k▲ 37.5%
Net result€77k-€53k▼ 31.6%€54k▲ 2.6%€84k▲ 56.2%€123k▲ 46.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €314k
Fixed assets
€15k ▼ 52.2%
Current assets
€299k ▲ 19.4%
Equity and liabilities €314k
Equity
€60k ▼ 3.0%
Debt
€254k ▲ 15.6%
Debt's share of the balance-sheet total rises from 78.0% to 80.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€178k▲
2024 · €135k
Cash flow
€144k▲
2024 · €104k
Current ratio
1.18▲
2024 · 1.14
Quick ratio
0.96▲
2024 · 0.90
Debt to equity
4.22▲
2024 · 3.54
ROE
204.5%▲
2024 · 135.7%
ROA
39.2%▲
2024 · 29.9%
Interest coverage
88.88▼
2024 · 97.15
Debt ≤ 1 year
€254k▲
2024 · €219k
Income taxes
€33k▲
2024 · €29k
Staff costs
€569▼
2024 · €25k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€282k€314k▲
Fixed assets21/28€31k€15k▼
Tangible fixed assets22/27€31k€15k▼
Plant, machinery and equipment23€3k€5k▲
Other tangible fixed assets26€28k€9k▼
Current assets29/58€250k€299k▲
Stocks and contracts in progress3€54k€57k▲
Stocks30/36€54k€57k▲
Amounts receivable within one year40/41€31k€29k▼
Trade receivables40€30k€26k▼
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€162k€209k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€282k€314k▲
Equity10/15€62k€60k▼
Contributions10/11€6k€6k=
Reserves13€56k€54k▼
Distributable reserves133€56k€54k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€219k€254k▲
Amounts payable within one year42/48€219k€254k▲
Trade debts44€144k€123k▼
Suppliers440/4€144k€123k▼
Taxes, remuneration and social security45€629€5k▲
Taxes450/3€629€5k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€75k€125k▲
Income statement
Code20242025
Remuneration, social security and pensions62€25k€569▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€21k▲
Other operating charges640/8€535€550▲
Gross operating margin9900€160k€180k▲
Operating profit (loss)9901€115k€158k▲
Financial income75/76B€185€0▼
Recurring financial income75€185€0▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€114k€156k▲
Income taxes67/77€29k€33k▲
Profit (loss) for the period9904€84k€123k▲
Profit (loss) for the period to be appropriated9905€84k€123k▲
Appropriation of the result
Profit (loss) to be appropriated9906€84k€123k▲
Transfer from equity791/2-€2k
Transfer to equity691/2€9k€0▼
To other reserves6921€9k€0▼
Profit to be distributed694/7€75k€125k▲
Return on contributions (dividend)694€75k€100k▲
Directors or managers695-€25k
Social balance
Average headcount (FTE)90871.10.0▼
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2019net €123k ▲46.1%
Operating result €158k, net result €123k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
24-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Weakest financial yearnet €19k ▼45.2%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
2019
21-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
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, De Haan · 1 establishment unit since 2017
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.
Vissersstraat 128420 De HaanGround area
3.7 ha
Building footprint
1.4 ha
Volume, LiDAR
60,705 m³
2 parcels, Flanders · tallest building 13.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zem Optix
since 20172.261.238.858
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12403E0651/00C000 | Flanders | 3.5 ha | 1 · 1.4 ha | 13.7 m · 2 fl. |
| 35007D0270/00D028 | Flanders | 1,338 m² | 1 · 179 m² | 9.0 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
Tabak
BE 0465.075.804
Wijnegem · Eq €60,053
DISTRIBIL
BE 0642.930.252
Blégny · Eq €60,367
INDEX DENTAL
BE 0775.657.332
Brussel · Eq €61,091
MD Management
BE 0769.336.296
Brussel · Eq €58,704
BST Medical
BE 0778.459.939
Beersel · Eq €61,732
Of 1,249 companies in sector 32500 we hold annual accounts for 694. 496 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2017
Fiscal year end31-12
Activities, NACEBEL 2025
32500Manufacture of medical and dental instruments and supplies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.