T.J. OPTICS
ActiveThe computed 12-month bankruptcy probability of T.J. OPTICS is 1.7% (moderate). The 2025 annual accounts show equity of €2k and a net result of €18k. Equity is shrinking by ~22.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 24% of 18120 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+16
Solvency28▼-34
Growth32▼-10
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
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 →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 18120 sector peers (2025).
NBB · sector comparisonPosition among 18120 sector peers
Solvency
better than 24%
← weakest
strongest →
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 29-04-2026, 93 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
93 d early
2024
15 d early
2023
140 d early
2022
28 d early
2021
31 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 92.1%
2024 · €25k
2021: €25k
2022: €19k
2023: €35k
2024: €25k
2021 → 2025
Total assets
€64k▼ 7.5%
2024 · €69k
2021: €47k
2022: €50k
2023: €61k
2024: €69k
2021 → 2025
Net result
€18k▲ 40.4%
2024 · €13k
2021: €23k
2022: €-6k
2023: €16k
2024: €13k
2021 → 2025
Working capital
€4k▼ 86.4%
2024 · €27k
2021: €26k
2022: €20k
2023: €36k
2024: €27k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€19k▼ 23.4%€35k▲ 82.2%€25k▼ 28.3%€2k▼ 92.1%
Operating result€36k-€-5k€22k€19k▼ 15.7%€25k▲ 33.8%
Net result€23k-€-6k€16k€13k▼ 18.9%€18k▲ 40.4%
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 34% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €64k
Equity
€2k▼ 92.1%
Debt
€62k▲ 41.2%
The debt ratio rises from 63.5% to 96.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
3.1%▼
2024 · 36.5%
Current ratio
1.06▼
2024 · 1.63
Quick ratio
1.06▼
2024 · 1.63
Debt / equity
30.87▲
2024 · 1.74
ROE
902.1%▲
2024 · 51.1%
ROA
28.3%▲
2024 · 18.7%
Debt
€62k▲
2024 · €44k
Debt ≤ 1 year
€60k▲
2024 · €42k
Income taxes
€7k▲
2024 · €7k
Staff costs
€57k▲
2024 · €48k
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€69k€64k▼
Current assets29/58€69k€64k▼
Amounts receivable after more than one year29€36k€36k=
Other amounts receivable291€36k€36k=
Amounts receivable within one year40/41€24k€19k▼
Trade receivables40€12k€19k▲
Other amounts receivable41€12k-
Cash at bank and in hand54/58€7k€8k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€69k€64k▼
Equity10/15€25k€2k▼
Contributions10/11€2k€2k=
Reserves13€23k-
Distributable reserves133€23k-
Amounts payable17/49€44k€62k▲
Amounts payable within one year42/48€42k€60k▲
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€25k€31k▲
Taxes450/3€15k€18k▲
Remuneration and social security454/9€10k€13k▲
Other amounts payable47/48€13k€22k▲
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€48k€57k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€70k€84k▲
Operating profit (loss)9901€19k€25k▲
Financial income75/76B€3k€1k▼
Recurring financial income75€2k€1k▼
Non-recurring financial income76B€1k-
Financial charges65/66B€3k€969▼
Recurring financial charges65€3k€969▼
Profit (loss) for the period before taxes9903€19k€25k▲
Income taxes67/77€7k€7k▲
Profit (loss) for the period9904€13k€18k▲
Profit (loss) for the period to be appropriated9905€13k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€18k▲
Transfer from equity791/2€10k€23k▲
Profit to be distributed694/7€23k€41k▲
Return on contributions (dividend)694€23k€41k▲
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-6k ▼125%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
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, Hasselt · 1 establishment unit since 2020
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.
Beerhoutstraat 104A3500 HasseltGround area
4.1 ha
Building footprint
1.5 ha
Volume, LiDAR
79,723 m³
2 parcels, Flanders · tallest building 20.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
T.J. OPTICS
since 20202.300.438.241
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71327G0687/00T000 | Flanders | 4.0 ha | 1 · 1.4 ha | 20.7 m · 2 fl. |
| 71322B0415/00N002 | Flanders | 526 m² | 1 · 135 m² | 6.0 m · 1 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 3 entries · 1,375 EUR awarded · 1,375 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,000 EUR | 1,375 EUR |
| 2024 | 1 | 375 EUR | 0 EUR |
Schemes
Premie kwalificerend werkplekleren
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
4 live approvalsCommercieel assistent (vwo)
Commercieel assistent duaal (so)
Commerciële organisatie duaal (so)
Onthaal, organisatie en sales duaal (so)
Similar companies · same sector, comparable size
MOBOC
BE 0758.745.579
Bekkevoort · Eq €2k
IDW Services
BE 0635.646.542
Herenthout · Eq €2k
NEW-DIAMANT VERT
BE 0836.557.296
Sint-Gillis (bij-Brussel) · Eq €2k
Optiek Oog en Blik
BE 0442.143.717
Kalmthout · Eq €2k
Technaphot
BE 0412.069.658
Ukkel · Eq €2k
Of 1,729 companies in sector 47742 we hold annual accounts for 1,138. 156 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-2020
Fiscal year end31-12
Activities, NACEBEL
47742Retail sale of prescription glasses, lenses and sunglasses
47782Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.