OPTI'RAF
ActiveSummary
OPTI'RAF has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €204k and a net result of €83k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 37% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability78▲+38
Solvency43▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.13 in 2023; short-term debt: 33.4% and cash: 11.9% of total assets), and 82.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
534 d late
2022
32 d early
2021
333 d late
2020
698 d late
2019
249 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€204k▲ 68.6%
2023 · €121k
2018: €104k
2019: €114k
2020: €156k
2021: €211k
2022: €174k
2023: €121k
2018 → 2024
Total assets
€1.16M▲ 1.1%
2023 · €1.15M
2018: €257k
2019: €458k
2020: €474k
2021: €735k
2022: €952k
2023: €1.15M
2018 → 2024
Net result
€83k
2023 · €-54k
2018: €19k
2019: €11k
2020: €42k
2021: €55k
2022: €-37k
2023: €-54k
2018 → 2024
Working capital
€67k▲ 41.0%
2023 · €48k
2018: €65k
2019: €109k
2020: €149k
2021: €124k
2022: €70k
2023: €48k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€156k-€211k▲ 35.2%€174k▼ 17.3%€121k▼ 30.8%€204k▲ 68.6%
Operating result€67k-€73k▲ 8.5%€-29k€-45k▼ 52.9%€127k
Net result€42k-€55k▲ 29.3%€-37k€-54k▼ 46.7%€83k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €127k after a loss of €45k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.16M
Fixed assets
€706k ▼ 4.9%
Current assets
€456k ▲ 11.9%
Equity and liabilities €1.16M
Equity
€204k ▲ 68.6%
Debt
€958k ▼ 6.9%
Debt's share of the balance-sheet total falls from 89.5% to 82.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€220k▲
2023 · €24k
Cash flow
€176k▲
2023 · €15k
Current ratio
1.17▲
2023 · 1.13
Quick ratio
0.95▲
2023 · 0.91
Debt to equity
4.71▼
2023 · 8.52
ROE
40.7%▲
2023 · -44.5%
ROA
7.1%▲
2023 · -4.7%
Interest coverage
8.94▲
2023 · 3.31
Debt ≤ 1 year
€388k▲
2023 · €360k
Debt > 1 year
€570k▼
2023 · €669k
Income taxes
€21k▲
2023 · €3k
Staff costs
€69k▲
2023 · €53k
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 · 2024 against 2023 · 58 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.15M€1.16M▲
Fixed assets21/28€742k€706k▼
Intangible fixed assets21€1k-
Tangible fixed assets22/27€739k€705k▼
Land and buildings22€396k€395k▼
Plant, machinery and equipment23€47k€41k▼
Furniture and vehicles24€8k€4k▼
Other tangible fixed assets26€289k€265k▼
Financial fixed assets28€2k€2k=
Current assets29/58€407k€456k▲
Amounts receivable after more than one year29€30k€30k=
Other amounts receivable291€30k€30k=
Stocks and contracts in progress3€81k€88k▲
Stocks30/36€81k€88k▲
Amounts receivable within one year40/41€95k€198k▲
Trade receivables40€94k€197k▲
Other amounts receivable41€1k€936▼
Cash at bank and in hand54/58€201k€138k▼
Deferred charges and accrued income490/1€480€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.15M€1.16M▲
Equity10/15€121k€204k▲
Contributions10/11€19k€19k=
Reserves13€114k€184k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€10k€10k=
Distributable reserves133€102k€172k▲
Profit (loss) carried forward14€-12k€1k▲
Amounts payable17/49€1.03M€958k▼
Amounts payable after more than one year17€669k€570k▼
Financial debts170/4€669k€570k▼
Amounts payable within one year42/48€360k€388k▲
Current portion of amounts payable after more than one year42€30k€67k▲
Trade debts44€288k€138k▼
Suppliers440/4€288k€138k▼
Advances received on contracts in progress46-€124k
Taxes, remuneration and social security45€41k€58k▲
Taxes450/3€33k€48k▲
Remuneration and social security454/9€8k€10k▲
Other amounts payable47/48€965€2k▲
Income statement
Code20232024
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€53k€69k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€93k▲
Other operating charges640/8€6k€11k▲
Gross operating margin9900€82k€300k▲
Operating profit (loss)9901€-45k€127k▲
Financial income75/76B€799€2k▲
Recurring financial income75€799€2k▲
Financial charges65/66B€7k€25k▲
Recurring financial charges65€7k€25k▲
Profit (loss) for the period before taxes9903€-51k€104k▲
Income taxes67/77€3k€21k▲
Profit (loss) for the period9904€-54k€83k▲
Profit (loss) for the period to be appropriated9905€-54k€83k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€71k▲
Profit (loss) brought forward from the previous period14P€42k€-12k▼
Transfer to equity691/2-€70k
To other reserves6921-€70k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
16-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 534 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €83k
Net result €83k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €204k ▲68.6%
Equity rises from €121k to €204k.
2023
31-12
Financial
Weakest financial yearnet €-54k
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 333 days late
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 698 days late
2021
31-12
Financial
Equity above €200kEq €211k ▲35.2%
4 profitable years in a row build equity to €211k.
06-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 249 days late
2020
31-12
Financial
Equity above €150kEq €156k ▲37.4%
3 profitable years in a row build equity to €156k.
2019
07-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 99 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Charleroi · 2 establishment units since 2015
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.
Rue de Beaumont 1556030 CharleroiGround area
2,487 m²
Building footprint
304 m²
Volume, LiDAR
1,190 m³
2 parcels, Wallonia · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Opti'Raf
since 20152.243.759.854
Alain Afflelou Anderlues
since 20192.303.935.288
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56001B0655/00F003 | Wallonia | 2,144 m² | 1 · 188 m² | - |
| 52044B0401/00W005 | Wallonia | 342 m² | 1 · 115 m² | 12.3 m · 3 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
SOMERS SOFIE
BE 0878.049.146
Meise · Eq €203,082
YOUZ OPTIQUE
BE 0683.969.764
Chastre · Eq €204,427
Churchill Optique
BE 0466.719.260
Ukkel · Eq €202,504
L'OPTICIEN BAUDINET
BE 0474.769.864
Sprimont · Eq €205,232
AMEDO
BE 0500.602.647
Brasschaat · Eq €201,458
Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 953 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
Founded14-07-2015
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.