GEROPTIC
ActiveSummary
GEROPTIC has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €178k and a net result of €80k. Equity is growing by ~58.2% per year across the filed fiscal years. Its solvency ranks better than 55% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+9
Solvency65▼-12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.9 in 2024; short-term debt: 53.7% and cash: 31.6% of total assets), and 59.5% 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 · 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
40.5%
Return on assets
18.2%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-05-2026, 62 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
62 d early
2024
44 d early
2023
58 d early
2022
56 d early
2021
60 d early
2020
65 d early
2019
59 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€178k▼ 7.9%
2024 · €193k
2018: €11k
2019: €13k
2020: €38k
2021: €50k
2022: €118k
2023: €155k
2024: €193k
2018 → 2025
Total assets
€439k▲ 18.3%
2024 · €371k
2018: €204k
2019: €155k
2020: €256k
2021: €218k
2022: €321k
2023: €332k
2024: €371k
2018 → 2025
Net result
€80k▲ 109%
2024 · €38k
2018: €-4k
2019: €2k
2020: €25k
2021: €12k
2022: €67k
2023: €37k
2024: €38k
2018 → 2025
Working capital
€89k▼ 19.0%
2024 · €109k
2018: €12k
2019: €10k
2020: €15k
2021: €25k
2022: €68k
2023: €101k
2024: €109k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€118k▲ 135%€155k▲ 31.7%€193k▲ 24.6%€178k▼ 7.9%
Operating result€23k-€95k▲ 313%€57k▼ 40.1%€57k▲ 1.0%€117k▲ 104%
Net result€12k-€67k▲ 460%€37k▼ 44.8%€38k▲ 2.2%€80k▲ 109%
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 104% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €439k
Fixed assets
€115k ▼ 18.2%
Current assets
€324k ▲ 40.4%
Equity and liabilities €439k
Equity
€178k ▼ 7.9%
Debt
€261k ▲ 46.6%
Debt's share of the balance-sheet total rises from 48.0% to 59.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€145k▲
2024 · €76k
Cash flow
€107k▲
2024 · €57k
Current ratio
1.38▼
2024 · 1.90
Quick ratio
1.09▼
2024 · 1.37
Debt to equity
1.47▲
2024 · 0.92
ROE
44.9%▲
2024 · 19.7%
ROA
18.2%▲
2024 · 10.3%
Interest coverage
34.52▲
2024 · 19.02
Debt ≤ 1 year
€236k▲
2024 · €121k
Debt > 1 year
€26k▼
2024 · €57k
Income taxes
€34k▲
2024 · €17k
Staff costs
€61k▼
2024 · €64k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€371k€439k▲
Fixed assets21/28€140k€115k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€140k€114k▼
Plant, machinery and equipment23€54k€48k▼
Furniture and vehicles24€86k€66k▼
Financial fixed assets28€175€175=
Current assets29/58€231k€324k▲
Amounts receivable after more than one year29€57k€52k▼
Other amounts receivable291€57k€52k▼
Stocks and contracts in progress3€64k€68k▲
Stocks30/36€64k€68k▲
Amounts receivable within one year40/41€9k€35k▲
Trade receivables40€820-
Other amounts receivable41€9k€35k▲
Current investments50/53€26k€2k▼
Cash at bank and in hand54/58€32k€139k▲
Deferred charges and accrued income490/1€42k€29k▼
Equity and liabilities
Total equity and liabilities10/49€371k€439k▲
Equity10/15€193k€178k▼
Contributions10/11€19k€19k=
Reserves13€172k€152k▼
Distributable reserves133€172k€152k▼
Profit (loss) carried forward14€2k€7k▲
Amounts payable17/49€178k€261k▲
Amounts payable after more than one year17€57k€26k▼
Financial debts170/4€57k€26k▼
Amounts payable within one year42/48€121k€236k▲
Current portion of amounts payable after more than one year42€25k€26k▲
Trade debts44€69k€82k▲
Suppliers440/4€69k€82k▲
Taxes, remuneration and social security45€27k€32k▲
Taxes450/3€19k€25k▲
Remuneration and social security454/9€8k€7k▼
Other amounts payable47/48€228€95k▲
Income statement
Code20242025
Remuneration, social security and pensions62€64k€61k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€27k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€4k-
Gross operating margin9900€145k€207k▲
Operating profit (loss)9901€57k€117k▲
Financial income75/76B€1k€667▼
Recurring financial income75€1k€667▼
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€55k€114k▲
Income taxes67/77€17k€34k▲
Profit (loss) for the period9904€38k€80k▲
Profit (loss) for the period to be appropriated9905€38k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€82k▲
Profit (loss) brought forward from the previous period14P€1k€2k▲
Transfer from equity791/2-€95k
Transfer to equity691/2€37k€75k▲
To other reserves6921€37k€75k▲
Profit to be distributed694/7-€95k
Return on contributions (dividend)694-€95k
The notes to these accounts (9 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
30-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €80k ▲109%
Operating result €117k, net result €80k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €155k ▲31.7%
5 profitable years in a row build equity to €155k.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €118k ▲135%
4 profitable years in a row build equity to €118k.
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Ciney · 1 establishment unit since 2010
Ground area
154 m²
Building footprint
154 m²
Parcel 91030B0318/00V000, Wallonia. Linked by address, not a title deed.
1 establishment unit
AFFLELOU
since 20102.187.470.853
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91030B0318/00V000 | Wallonia | 154 m² | 1 · 154 m² | - |
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.
Similar companies · same sector, comparable size
Atelier 00
BE 1004.841.905
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SNAUWAERT EYEWEAR
BE 0462.033.566
Knokke-Heist · Eq €177,727
France - Optic
BE 0415.413.089
Anderlecht · Eq €177,952
ROBERT OPTICIENS
BE 0474.408.588
Morlanwelz · Eq €178,521
Hyperion Optix
BE 0754.438.779
Brakel · Eq €176,642
Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 972 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
Founded29-03-2010
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
23150Manufacture of other non-metallic mineral products
26700Manufacture of computer, electronic and optical products
33130Repair, maintenance and installation of machinery and equipment
46150Agents in the wholesale of furniture, household goods and hardware
46432Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.