OPTIEK JACQUES
ActiveOPTIEK JACQUES has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €497k and a net result of €84k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 89% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+14
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 5.69 against 10.43 in 2024), and 16.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
83.1%
Return on assets
14.1%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-11-2025, 20 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 · 10 filingsDeviation from the deadline
2025
20 d late
2024
15 d early
2023
8 d late
2022
31 d early
2021
32 d early
2020
31 d early
2019
28 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close15-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€497k▲ 5.5%
2024 · €472k
2019: €318k
2020: €333k
2021: €416k
2022: €410k
2023: €454k
2024: €472k
2019 → 2025
Total assets
€599k▲ 15.1%
2024 · €520k
2019: €348k
2020: €408k
2021: €471k
2022: €457k
2023: €532k
2024: €520k
2019 → 2025
Net result
€84k▲ 26.3%
2024 · €67k
2019: €58k
2020: €59k
2021: €83k
2022: €89k
2023: €95k
2024: €67k
2019 → 2025
Working capital
€475k▲ 3.5%
2024 · €459k
2019: €299k
2020: €319k
2021: €389k
2022: €388k
2023: €440k
2024: €459k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€416k-€410k▼ 1.5%€454k▲ 10.7%€472k▲ 3.9%€497k▲ 5.5%
Operating result€110k-€124k▲ 13.4%€133k▲ 7.0%€92k▼ 30.8%€106k▲ 15.6%
Net result€83k-€89k▲ 7.2%€95k▲ 7.6%€67k▼ 30.1%€84k▲ 26.3%
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 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €599k
Fixed assets
€22k▲ 76.1%
Current assets
€576k▲ 13.6%
Equity and liabilities €599k
Equity
€497k▲ 5.5%
Debt
€101k▲ 108%
The debt ratio rises from 9.4% to 16.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€117k▲
2024 · €99k
Cash flow
€94k▲
2024 · €73k
Solvency
83.1%▼
2024 · 90.6%
Current ratio
5.69▼
2024 · 10.43
Quick ratio
5.04▼
2024 · 9.00
Debt / equity
0.20▲
2024 · 0.10
ROE
16.9%▲
2024 · 14.1%
ROA
14.1%▲
2024 · 12.8%
Interest coverage
45.10▲
2024 · 27.40
Debt
€101k▲
2024 · €49k
Debt ≤ 1 year
€101k▲
2024 · €49k
Income taxes
€33k▲
2024 · €25k
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€520k€599k▲
Fixed assets21/28€13k€22k▲
Tangible fixed assets22/27€13k€22k▲
Plant, machinery and equipment23€5k€17k▲
Furniture and vehicles24€2k€704▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€194€194=
Current assets29/58€508k€576k▲
Amounts receivable after more than one year29€176k€176k=
Other amounts receivable291€176k€176k=
Stocks and contracts in progress3€69k€66k▼
Stocks30/36€69k€66k▼
Amounts receivable within one year40/41€3k€2k▼
Trade receivables40€2k€2k▼
Other amounts receivable41€480€392▼
Current investments50/53€82k€94k▲
Cash at bank and in hand54/58€175k€232k▲
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€520k€599k▲
Equity10/15€472k€497k▲
Contributions10/11€19k€19k=
Reserves13€453k€479k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€453k€479k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€49k€101k▲
Amounts payable within one year42/48€49k€101k▲
Trade debts44€21k€13k▼
Suppliers440/4€21k€13k▼
Taxes, remuneration and social security45€5k€15k▲
Taxes450/3€5k€12k▲
Remuneration and social security454/9€0€3k▲
Other amounts payable47/48€22k€72k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€27k€4k▼
Other operating charges640/8€925€3k▲
Non-recurring operating charges66A€659€0▼
Gross operating margin9900€127k€124k▼
Operating profit (loss)9901€92k€106k▲
Financial income75/76B€4k€13k▲
Recurring financial income75€4k€13k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€92k€117k▲
Income taxes67/77€25k€33k▲
Profit (loss) for the period9904€67k€84k▲
Profit (loss) for the period to be appropriated9905€67k€84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€84k▲
Transfer from equity791/2€49k€58k▲
Transfer to equity691/2€67k€84k▲
To other reserves6921€67k€84k▲
Profit to be distributed694/7€49k€58k▲
Return on contributions (dividend)694€49k€58k▲
The notes to these accounts (16 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
2025
20-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2024
16-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
08-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
31-03
Financial
Highest result since 2019net €95k ▲7.6%
Operating result €133k, net result €95k, both a record.
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
03-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zottegem · 1 establishment unit since 2000
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.
Hoogstraat 439620 ZottegemGround area
148 m²
Building footprint
86 m²
Volume, LiDAR
717 m³
Parcel 41081A0269/00G000, Flanders · tallest building 15.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OPTIEK JACQUES
since 20002.099.865.106
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41081A0269/00G000 | Flanders | 148 m² | 1 · 86 m² | 14.9 m · 3 fl. |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
OPTIEK SAEY
BE 0894.577.154
Zwevegem · Eq €501k
LALU
BE 0479.123.679
Beringen · Eq €494k
BOGAERT OPTIEK
BE 0813.221.076
Aalst · Eq €493k
OPTIEK PHILIPPE PEETERS
BE 0457.357.671
Boutersem · Eq €492k
IRIS GALERIE BELGIQUE
BE 0782.859.185
Brussel · Eq €492k
Of 1,725 companies in sector 47742 we hold annual accounts for 1,136. 812 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2000
Fiscal year end31-03
Activities, NACEBEL
33401
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
32500Manufacture of medical and dental instruments and supplies
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.