OPTIEK SAEY
ActiveOPTIEK SAEY has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €501k and a net result of €51k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 93% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
79
/ 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
Profitability80▲+3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 9.28 against 9.82 in 2024; short-term debt: 10.7% and cash: 8.8% of total assets), and 10.7% 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 · 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
89.3%
Return on assets
9%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
2 d early
2022
11 d early
2021
4 d early
2020
31 d early
2019
7 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€501k▲ 3.6%
2024 · €483k
2018: €212k
2019: €250k
2020: €324k
2021: €363k
2022: €412k
2023: €454k
2024: €483k
2018 → 2025
Total assets
€560k▲ 4.4%
2024 · €537k
2018: €254k
2019: €281k
2020: €386k
2021: €460k
2022: €498k
2023: €499k
2024: €537k
2018 → 2025
Net result
€51k▲ 48.9%
2024 · €34k
2018: €6k
2019: €38k
2020: €94k
2021: €64k
2022: €69k
2023: €42k
2024: €34k
2018 → 2025
Working capital
€496k▲ 4.4%
2024 · €475k
2018: €108k
2019: €168k
2020: €258k
2021: €312k
2022: €371k
2023: €432k
2024: €475k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€363k-€412k▲ 13.4%€454k▲ 10.2%€483k▲ 6.4%€501k▲ 3.6%
Operating result€91k-€90k▼ 0.8%€62k▼ 30.8%€55k▼ 12.2%€76k▲ 38.6%
Net result€64k-€69k▲ 6.7%€42k▼ 38.8%€34k▼ 19.1%€51k▲ 48.9%
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 39% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €560k
Fixed assets
€5k▼ 41.6%
Current assets
€556k▲ 5.1%
Equity and liabilities €560k
Equity
€501k▲ 3.6%
Debt
€60k▲ 11.2%
The debt ratio rises from 10.0% to 10.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€79k▲
2024 · €74k
Cash flow
€54k▲
2024 · €53k
Solvency
89.3%▼
2024 · 90.0%
Current ratio
9.28▼
2024 · 9.82
Quick ratio
8.31▼
2024 · 8.93
Debt / equity
0.12▲
2024 · 0.11
ROE
10.1%▲
2024 · 7.0%
ROA
9.0%▲
2024 · 6.3%
Interest coverage
31.58▲
2024 · 22.32
Debt
€60k▲
2024 · €54k
Debt ≤ 1 year
€60k▲
2024 · €54k
Income taxes
€24k▲
2024 · €19k
Staff costs
€53k▲
2024 · €44k
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€537k€560k▲
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€8k€5k▼
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24€630€251▼
Current assets29/58€529k€556k▲
Amounts receivable after more than one year29€11k-
Other amounts receivable291€11k-
Stocks and contracts in progress3€48k€58k▲
Stocks30/36€48k€58k▲
Amounts receivable within one year40/41€21k€23k▲
Trade receivables40€855€4k▲
Other amounts receivable41€21k€19k▼
Current investments50/53€380k€425k▲
Cash at bank and in hand54/58€69k€49k▼
Equity and liabilities
Total equity and liabilities10/49€537k€560k▲
Equity10/15€483k€501k▲
Contributions10/11€19k€19k=
Reserves13€464k€482k▲
Distributable reserves133€464k€482k▲
Amounts payable17/49€54k€60k▲
Amounts payable within one year42/48€54k€60k▲
Trade debts44€14k€19k▲
Suppliers440/4€14k€19k▲
Taxes, remuneration and social security45€7k€16k▲
Taxes450/3€5k€10k▲
Remuneration and social security454/9€2k€6k▲
Other amounts payable47/48€33k€25k▼
Income statement
Code20242025
Remuneration, social security and pensions62€44k€53k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€3k▼
Gross operating margin9900€118k€132k▲
Operating profit (loss)9901€55k€76k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€53k€74k▲
Income taxes67/77€19k€24k▲
Profit (loss) for the period9904€34k€51k▲
Profit (loss) for the period to be appropriated9905€34k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€51k▲
Transfer from equity791/2€5k€33k▲
Transfer to equity691/2€34k€51k▲
To other reserves6921€34k€51k▲
Profit to be distributed694/7€5k€33k▲
Return on contributions (dividend)694€5k€33k▲
The notes to these accounts (4 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €500kEq €501k ▲3.6%
8 profitable years in a row build equity to €501k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €94k ▲144%
Operating result €125k, net result €94k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
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
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, Zwevegem · 1 establishment unit since 2008
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.
Otegemstraat(Z) 868550 ZwevegemGround area
293 m²
Building footprint
195 m²
Volume, LiDAR
1,438 m³
Parcel 34042B0104/00F000, Flanders · tallest building 19.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OPTIEK SAEY
since 20082.167.662.661
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34042B0104/00F000 | Flanders | 293 m² | 1 · 195 m² | 19.5 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.
Similar companies · same sector, comparable size
OPTIEK JACQUES
BE 0472.883.908
Zottegem · Eq €497k
Optique Caroline Pankert - Optik Caroline Pankert
BE 0432.613.466
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OPTIQUE DUWEZ
BE 0452.803.423
Braine-l'Alleud · Eq €504k
OPTIQUE BAUWENS
BE 0878.619.070
Ath · Eq €504k
JANSSEN OPTICIENS
BE 0894.286.154
Fléron · Eq €505k
Of 1,729 companies in sector 47742 we hold annual accounts for 1,138. 810 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2007
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.