ELIOT
ActiveSummary
ELIOT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €220k and a net result of €60k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+11
Solvency95=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 3.2 against 3.17 in 2024; short-term debt: 30.1% and cash: 79.2% of total assets), and 30.1% of the assets are financed with debt.
Credit check for your own amount and term
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
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
69.9%
Return on assets
19.2%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
10 d early
2023
6 d early
2022
49 d early
2021
1 d early
2020
12 d early
2019
15 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, micro schema
Equity
€220k▲ 0.4%
2024 · €219k
2018: €151k
2019: €168k
2020: €194k
2021: €201k
2022: €227k
2023: €249k
2024: €219k
2018 → 2025
Total assets
€315k▲ 0.2%
2024 · €314k
2018: €231k
2019: €281k
2020: €294k
2021: €301k
2022: €359k
2023: €309k
2024: €314k
2018 → 2025
Net result
€60k▲ 83.8%
2024 · €33k
2018: €48k
2019: €57k
2020: €50k
2021: €47k
2022: €61k
2023: €42k
2024: €33k
2018 → 2025
Working capital
€208k▲ 1.0%
2024 · €206k
2018: €113k
2019: €109k
2020: €150k
2021: €165k
2022: €207k
2023: €236k
2024: €206k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€201k-€227k▲ 12.6%€249k▲ 9.7%€219k▼ 11.9%€220k▲ 0.4%
Operating result€51k-€71k▲ 38.9%€65k▼ 8.9%€49k▼ 24.2%€85k▲ 73.2%
Net result€47k-€61k▲ 29.5%€42k▼ 31.7%€33k▼ 21.7%€60k▲ 83.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 73% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €315k
Fixed assets
€12k ▼ 9.3%
Current assets
€303k ▲ 0.6%
Equity and liabilities €315k
Equity
€220k ▲ 0.4%
Debt
€95k ▼ 0.3%
Debt's share of the balance-sheet total falls from 30.3% to 30.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€88k▲
2024 · €53k
Cash flow
€64k▲
2024 · €37k
Current ratio
3.20▲
2024 · 3.17
Quick ratio
2.66▲
2024 · 2.57
Debt to equity
0.43▼
2024 · 0.43
ROE
27.4%▲
2024 · 15.0%
ROA
19.2%▲
2024 · 10.4%
Interest coverage
58.51▲
2024 · 44.51
Debt ≤ 1 year
€95k▼
2024 · €95k
Income taxes
€23k▲
2024 · €15k
Staff costs
€49k▲
2024 · €48k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€314k€315k▲
Fixed assets21/28€13k€12k▼
Tangible fixed assets22/27€13k€12k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€1k€3k▲
Other tangible fixed assets26€9k€7k▼
Current assets29/58€301k€303k▲
Stocks and contracts in progress3€57k€51k▼
Stocks30/36€57k€51k▼
Amounts receivable within one year40/41€169€1k▲
Trade receivables40€169€1k▲
Cash at bank and in hand54/58€242k€249k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€314k€315k▲
Equity10/15€219k€220k▲
Contributions10/11€36k€36k=
Reserves13€180k€181k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€45k€45k=
Distributable reserves133€131k€132k▲
Profit (loss) carried forward14€3k€3k▲
Amounts payable17/49€95k€95k▼
Amounts payable within one year42/48€95k€95k▼
Trade debts44€19k€10k▼
Suppliers440/4€19k€10k▼
Taxes, remuneration and social security45€54k€24k▼
Taxes450/3€48k€18k▼
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€22k€61k▲
Income statement
Code20242025
Remuneration, social security and pensions62€48k€49k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€103k€139k▲
Operating profit (loss)9901€49k€85k▲
Financial income75/76B€1€62▲
Recurring financial income75€1€62▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€48k€84k▲
Income taxes67/77€15k€23k▲
Profit (loss) for the period9904€33k€60k▲
Profit (loss) for the period to be appropriated9905€33k€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€63k▲
Profit (loss) brought forward from the previous period14P€2k€3k▲
Transfer from equity791/2€62k€79k▲
Transfer to equity691/2€32k€60k▲
To other reserves6921€32k€60k▲
Profit to be distributed694/7€62k€79k▲
Return on contributions (dividend)694€62k€79k▲
The notes to these accounts (7 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €33k ▼21.7%
Net result drops to €33k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €61k ▲29.5%
Net result €61k, the highest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €201k ▲3.8%
4 profitable years in a row build equity to €201k.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 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, Chaumont-Gistoux · 1 establishment unit since 2004
Ground area
1.1 ha
Building footprint
403 m²
Volume, LiDAR
2,377 m³
2 parcels, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OPTIQUE ELIOT
since 20042.135.704.923
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25058C0501/00C000 ProtectedSite or landscape |
Wallonia | 1.1 ha | 1 · 325 m² | 10.3 m · 3 fl. |
| 25018A0387/00S000 | Wallonia | 141 m² | 1 · 78 m² | - |
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
GOTECH
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STUDIO 76
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OPTIEK SNOECK
BE 0463.987.028
Deinze · Eq €221,281
Optiek Yves Optique
BE 0400.268.421
Ronse · Eq €218,638
OSIRIS ROLAND
BE 0455.999.473
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Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 940 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
Founded27-01-2004
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.