OPTIVA
ActiveSummary
OPTIVA has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €98k and a net result of €22k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 38% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+1
Solvency45▼-19
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.32 against 0.7 in 2024; short-term debt: 43.6% and cash: 6.3% of total assets), and 80.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
19.8%
Return on assets
4.4%
Age of the figures
9 mo
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 filingsDeviation from the deadline
2025
18 d early
2024
3 d early
2023
21 d late
2022
14 d late
2021
45 d early
2020
24 d early
2019
28 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€165k
EBIT margin
37.4%
Net result
€22k▲ 16.1%
2024 · €19k
2018: €18k
2019: €23k
2020: €35k
2021: €46k
2022: €2k
2023: €4k
2024: €19k
2018 → 2025
Working capital
€-148k▼ 362%
2024 · €-32k
2018: €-17k
2019: €-18k
2020: €13k
2021: €18k
2022: €-34k
2023: €-32k
2024: €-32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€266k-€191k▼ 28.4%€195k▲ 2.3%€214k▲ 9.7%€98k▼ 54.0%
Operating result€79k-€14k▼ 82.1%€16k▲ 14.1%€36k▲ 122%€38k▲ 5.9%
Net result€46k-€2k▼ 95.0%€4k▲ 93.1%€19k▲ 330%€22k▲ 16.1%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €497k
Fixed assets
€428k ▼ 10.5%
Current assets
€69k ▼ 9.6%
Equity and liabilities €497k
Equity
€98k ▼ 54.0%
Debt
€399k ▲ 17.0%
Debt's share of the balance-sheet total rises from 61.4% to 80.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€93k▼
2024 · €96k
Cash flow
€77k▼
2024 · €79k
Current ratio
0.32▼
2024 · 0.70
Debt to equity
4.05▲
2024 · 1.59
ROE
22.3%▲
2024 · 8.8%
ROA
4.4%▲
2024 · 3.4%
Interest coverage
15.27▲
2024 · 13.21
Debt ≤ 1 year
€217k▲
2024 · €108k
Debt > 1 year
€182k▼
2024 · €232k
Income taxes
€10k▲
2024 · €10k
Staff costs
€65k▲
2024 · €58k
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 · 2025 against 2024 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€554k€497k▼
Fixed assets21/28€478k€428k▼
Tangible fixed assets22/27€478k€428k▼
Land and buildings22€429k€403k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€2k€789▼
Other tangible fixed assets26€44k€22k▼
Financial fixed assets28€25€25=
Current assets29/58€76k€69k▼
Amounts receivable within one year40/41€11k€21k▲
Trade receivables40€9k€16k▲
Other amounts receivable41€2k€5k▲
Current investments50/53€15k€15k=
Cash at bank and in hand54/58€48k€31k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€554k€497k▼
Equity10/15€214k€98k▼
Contributions10/11€0-
Reserves13€210k€94k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€210k€94k▼
Profit (loss) carried forward14€4k€4k=
Amounts payable17/49€340k€399k▲
Amounts payable after more than one year17€232k€182k▼
Financial debts170/4€232k€182k▼
Amounts payable within one year42/48€108k€217k▲
Current portion of amounts payable after more than one year42€52k€51k▼
Financial debts43€1k€1k▼
Credit institutions430/8€1k-
Other loans439-€1k
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€23k€31k▲
Taxes450/3€10k€20k▲
Remuneration and social security454/9€13k€11k▼
Other amounts payable47/48€26k€130k▲
Income statement
Code20242025
Remuneration, social security and pensions62€58k€65k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€55k▼
Other operating charges640/8€403€75▼
Gross operating margin9900€154k€158k▲
Operating profit (loss)9901€36k€38k▲
Financial income75/76B€3€2▼
Recurring financial income75€3€2▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€29k€32k▲
Income taxes67/77€10k€10k▲
Profit (loss) for the period9904€19k€22k▲
Profit (loss) for the period to be appropriated9905€19k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€26k▲
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer from equity791/2-€137k
Transfer to equity691/2€19k€22k▲
To other reserves6921€19k€22k▲
Profit to be distributed694/7-€137k
Return on contributions (dividend)694-€137k
The notes to these accounts (7 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €214k ▲9.7%
7 profitable years in a row build equity to €214k.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 14 days late
2022
31-12
Financial
Weakest financial yearnet €2k ▼95%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €46k ▲30.3%
Operating result €79k, net result €46k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €221k ▲18.9%
3 profitable years in a row build equity to €221k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 13 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Gembloux · 1 establishment unit since 2010
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 du 8-Mai 1/a5030 GemblouxGround area
142 m²
Building footprint
146 m²
Parcel 92053D0464/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
PEARLE
since 20102.186.837.680
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92053D0464/00A000 | Wallonia | 142 m² | 1 · 146 m² | - |
Linked by address, not proof of ownership
Methodology
via establishment units: 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 UNIQUE
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OPTIEK VEERLE DE LAUW
BE 0465.513.589
Flobecq · Eq €98,951
P&V Optiek
BE 0885.187.752
Dendermonde · Eq €99,055
ART DE VUE
BE 0841.331.676
Elsene · Eq €97,344
PISUKE
BE 0892.941.121
Waterloo · Eq €97,211
Of 1,730 companies in sector 47742 we hold annual accounts for 1,138. 996 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
Founded13-04-2010
Fiscal year end31-12
Activities, NACEBEL 2025
47742Retail sale of prescription glasses, lenses and sunglasses
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.