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OPTIQUE BERNARD

Active
Private limited companyfounded 1991active for 35 yearsRue Emile Vandervelde(FL) 147, 6220 Fleurus, BelgiumKBO/BCE: BE 0444.463.106
Summary

OPTIQUE BERNARD has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €253,428 and a net result of €67,839. Equity is growing by about 9.6% per year across the filed financial years. Its solvency ranks better than 56% of 22,536 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

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OPTIQUE BERNARDActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of prescription glasses, lenses and sunglasses
NACE 47742
2 sites
Size
€739,338turnover 2025
Staff
4.2 FTE
Equity
€253,428
Profit
€67,839
Financial health
95 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
2025 accounts 18 days early1 of 3 deeds summarised
Why 95raises riskSector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 1.52, cash €310,289Founded in 1991Size: turnover €739,338, total assets €630,331Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 59% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 65-12
equity 40.2% of total assets
Liquidity 77-11
short-term debt 46.2% · cash 49.2%
Profitability 87+13
return on assets 10.8%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,231 companies, NACE 47, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024lowest value 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: 0.1%▲ +0.1 percentage points vs 07-2026highest value 09-2026: 0.1%● unchanged vs 08-2026highest value 10-2026: 0.1%● unchanged vs 09-2026highest value
Credit of up to €24,000 on 30-day terms is acceptable
Liquidity ample (current ratio 1.52, compared with 2.31 in 2024, above the usual 1.5; short-term debt: 46.2% and cash: 49.2% of total assets), but 59.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 55% on solvency, 82% on liquidity, 82% on profitability and 16% on growth.

The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 1.52, cash €310,289
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Founded in 1991
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Size: turnover €739,338, total assets €630,331
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
18 days early
2024
21 days early
2023
29 days late
2022
on the day
2021
26 days early
2020
24 days late
2019
56 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 6 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 13 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Purpose · Amendment of the articles…Appointment: BERNARD Henri (deuxième administrateur…
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Positive: Among the best 8% on net resultsector median €5,077 · 22,517 companies €67,839 View
  • Positive: 8 profitable years in a rowprofit 2025: €67,839 8 years View
  • Caution: Equity fell in 2025from €363,589 to €253,428 ▼ 30.3% View
  • New directorlatest change 30-12-2025 · 1 in office 1 joined View

By topic

Financials

Financial year
2025
Turnover
€739,338
Profit
€67,839
Solvency
40.2%
Go to Financials

Timeline

Events
40
Since
1992
Next accounts
by 31-07-2027
  1. 29-08-2024Annual accounts filed
  2. 31-12-2023Weakest financial year
  3. 31-07-2023Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of prescription glasses, lenses and sunglassesNACE 47742
Founded
21-06-1991
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about OPTIQUE BERNARD

What is the company number of OPTIQUE BERNARD?
0444.463.106. In Belgium the VAT number is the company number with BE in front: BE 0444.463.106.
Where is OPTIQUE BERNARD based?
The registered office is at Rue Emile Vandervelde(FL) 147, 6220 Fleurus.Company details
What does OPTIQUE BERNARD do?
According to the KBO register, the main activity is retail sale of prescription glasses, lenses and sunglasses (NACE 47742).
What is the legal form of OPTIQUE BERNARD?
Private limited company (BV).
When was OPTIQUE BERNARD founded?
On 21-06-1991.
Is OPTIQUE BERNARD still active?
Yes, OPTIQUE BERNARD is an active enterprise in the KBO register.
How many employees does OPTIQUE BERNARD have?
On average 4.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of OPTIQUE BERNARD?
€739,338 in financial year 2025, according to the filed annual accounts.
Is OPTIQUE BERNARD profitable?
In financial year 2025, OPTIQUE BERNARD made a profit of €67,839.
Where can I find the annual accounts of OPTIQUE BERNARD?
OPTIQUE BERNARD filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of OPTIQUE BERNARD due?
By 31-07-2027, for financial year 2026.Timeline

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