OPTIC STARTUP
ActiveOPTIC STARTUP has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157k and a net result of €61k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 45% of 643 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
Profitability86▲+6
Solvency61▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 0.88 in 2024; short-term debt: 16.4% and cash: 6.9% of total assets), and 63.9% 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
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
36.1%
Return on assets
13.9%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-09-2026, 42 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
42 d late
2024
46 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
24 d late
2019
24 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€107k
EBIT margin
8.4%
Net result
€61k▲ 68.4%
2024 · €36k
2018: €23k
2019: €7k
2020: €-16k
2021: €22k
2022: €-8k
2023: €20k
2024: €36k
2018 → 2025
Working capital
€31k
2024 · €-9k
2018: €35k
2019: €36k
2020: €19k
2021: €43k
2022: €31k
2023: €47k
2024: €-9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€40k▼ 17.2%€61k▲ 51.2%€97k▲ 59.6%€157k▲ 62.9%
Operating result€24k-€-8k€26k€53k▲ 104%€85k▲ 60.3%
Net result€22k-€-8k€20k€36k▲ 76.0%€61k▲ 68.4%
Turnover and EBIT margin not published: the micro 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 60% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €436k
Fixed assets
€333k▼ 2.6%
Current assets
€103k▲ 57.8%
Equity and liabilities €436k
Equity
€157k▲ 62.9%
Debt
€279k▼ 10.3%
The debt ratio falls from 76.3% to 63.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€98k▲
2024 · €60k
Cash flow
€74k▲
2024 · €42k
Solvency
36.1%▲
2024 · 23.7%
Current ratio
1.44▲
2024 · 0.88
Quick ratio
1.44▲
2024 · 0.88
Debt / equity
1.77▼
2024 · 3.22
ROE
38.6%▲
2024 · 37.3%
ROA
13.9%▲
2024 · 8.9%
Interest coverage
7.73▼
2024 · 64.30
Debt
€279k▼
2024 · €311k
Debt ≤ 1 year
€71k▼
2024 · €74k
Debt > 1 year
€207k▼
2024 · €236k
Income taxes
€13k▼
2024 · €17k
Staff costs
€57k▲
2024 · €22k
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€407k€436k▲
Fixed assets21/28€342k€333k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€339k€331k▼
Land and buildings22€325k€316k▼
Plant, machinery and equipment23€8k€12k▲
Furniture and vehicles24€6k€3k▼
Current assets29/58€65k€103k▲
Amounts receivable within one year40/41€36k€71k▲
Trade receivables40€7k€19k▲
Other amounts receivable41€29k€52k▲
Cash at bank and in hand54/58€29k€30k▲
Deferred charges and accrued income490/1€477€1k▲
Equity and liabilities
Total equity and liabilities10/49€407k€436k▲
Equity10/15€97k€157k▲
Contributions10/11€12k€12k=
Reserves13€31k€61k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€30k€60k▲
Profit (loss) carried forward14€53k€84k▲
Amounts payable17/49€311k€279k▼
Amounts payable after more than one year17€236k€207k▼
Financial debts170/4€236k€207k▼
Amounts payable within one year42/48€74k€71k▼
Current portion of amounts payable after more than one year42€24k€29k▲
Trade debts44€23k€6k▼
Suppliers440/4€23k€6k▼
Taxes, remuneration and social security45€28k€36k▲
Taxes450/3€25k€30k▲
Remuneration and social security454/9€3k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€22k€57k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€13k▲
Other operating charges640/8€8k€4k▼
Non-recurring operating charges66A€46k€536▼
Gross operating margin9900€136k€160k▲
Operating profit (loss)9901€53k€85k▲
Financial income75/76B€749€2k▲
Recurring financial income75€749€2k▲
Financial charges65/66B€926€13k▲
Recurring financial charges65€926€13k▲
Profit (loss) for the period before taxes9903€53k€74k▲
Income taxes67/77€17k€13k▼
Profit (loss) for the period9904€36k€61k▲
Profit (loss) for the period to be appropriated9905€36k€61k▲
Appropriation of the result
Profit (loss) to be appropriated9906€83k€114k▲
Profit (loss) brought forward from the previous period14P€47k€53k▲
Transfer to equity691/2€30k€30k=
To other reserves6921€30k€30k=
The notes to these accounts (14 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
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 42 days late
2025
31-12
Financial
Highest result since 2018net €61k ▲68.4%
Operating result €85k, net result €61k, both a record.
31-12
Financial
Equity above €150kEq €157k ▲62.9%
3 profitable years in a row build equity to €157k.
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 46 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 6.14
Current ratio from 1.96 to 6.14; short-term debt falls from €32k to €9k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
31-12
Financial
Weakest financial yearnet €-16k ▼339%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
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, Grâce-Hollogne · 1 establishment unit since 2018
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 Joseph Heusdens 324460 Grâce-HollogneGround area
6,968 m²
Building footprint
4,793 m²
Volume, LiDAR
76,084 m³
2 parcels, Wallonia · tallest building 25.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
PEARLE OPTICIENS
since 20182.272.053.665
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62817B0604/00D002 | Wallonia | 6,611 m² | 1 · 4,730 m² | 25.6 m · 5 fl. |
| 62046A0833/00M006 | Wallonia | 356 m² | 1 · 64 m² | 8.5 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
ENVERGURES VAN OOSTVELDT ET CIE
BE 0476.642.558
Sambreville · Eq €158k
DENTAL-S
BE 0783.962.413
Anderlecht · Eq €156k
Toothbased
BE 0726.610.469
Lier · Eq €156k
Presscuff
BE 0800.361.153
Diepenbeek · Eq €156k
BSG VISION
BE 0825.835.828
Saint-Georges-sur-Meuse · Eq €159k
Of 1,250 companies in sector 32500 we hold annual accounts for 695. 550 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2018
Fiscal year end31-12
Activities, NACEBEL
32500Manufacture of medical and dental instruments and supplies
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.