Agence OKAY
ActiveAgence OKAY has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €17k. Its solvency ranks better than 68% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +19 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+23
Growth78
Stability82
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.42 against 1.44 in 2024), and 27.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
72.6%
Return on assets
48.9%
Age of the figures
8 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 29-06-2026, 32 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
32 d early
2024
31 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▲ 178%
2024 · €9k
2024: €9k
2024 → 2025
Total assets
€34k▲ 70.3%
2024 · €20k
2024: €20k
2024 → 2025
Net result
€17k▲ 130%
2024 · €7k
2024: €7k
2024 → 2025
Working capital
€22k▲ 342%
2024 · €5k
2024: €5k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€9k-€25k▲ 178%
Operating result€10k-€26k▲ 150%
Net result€7k-€17k▲ 130%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 150% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€4k▼ 11.0%
Current assets
€31k▲ 90.7%
Equity and liabilities €34k
Equity
€25k▲ 178%
Debt
€9k▼ 16.1%
The debt ratio falls from 55.5% to 27.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€28k▲
2024 · €11k
Cash flow
€19k▲
2024 · €8k
Solvency
72.6%▲
2024 · 44.5%
Current ratio
3.42▲
2024 · 1.44
Quick ratio
3.42▲
2024 · 1.44
Debt / equity
0.38▼
2024 · 1.25
ROE
67.4%▼
2024 · 81.4%
ROA
48.9%▲
2024 · 36.2%
Interest coverage
8.38▼
2024 · 12.89
Debt
€9k▼
2024 · €11k
Debt ≤ 1 year
€9k▼
2024 · €11k
Income taxes
€6k▲
2024 · €2k
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€20k€34k▲
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€4k€4k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€1k€2k▲
Current assets29/58€16k€31k▲
Amounts receivable within one year40/41€11k€20k▲
Trade receivables40€10k€19k▲
Other amounts receivable41€1k€737▼
Cash at bank and in hand54/58€4k€11k▲
Deferred charges and accrued income490/1€633€119▼
Equity and liabilities
Total equity and liabilities10/49€20k€34k▲
Equity10/15€9k€25k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€6k€22k▲
Amounts payable17/49€11k€9k▼
Amounts payable within one year42/48€11k€9k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€6k€2k▼
Taxes450/3€6k€2k▼
Other amounts payable47/48€4k€5k▲
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€284€2k▲
Other operating charges640/8€427€250▼
Gross operating margin9900€11k€28k▲
Operating profit (loss)9901€10k€26k▲
Financial income75/76B€1€10▲
Recurring financial income75€1€10▲
Financial charges65/66B€832€3k▲
Recurring financial charges65€832€3k▲
Profit (loss) for the period before taxes9903€10k€23k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€7k€17k▲
Profit (loss) for the period to be appropriated9905€7k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€23k▲
Profit (loss) brought forward from the previous period14P-€6k
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (5 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 3.42
Current ratio from 1.44 to 3.42; short-term debt falls from €11k to €9k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Fernelmont · 1 establishment unit since 2024
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 de Branchon, Forv. 355380 FernelmontGround area
848 m²
Building footprint
97 m²
Parcel 92047C0630/00V000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Agence OKAY
since 20242.364.400.932
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92047C0630/00V000 | Wallonia | 847 m² | 1 · 97 m² | - |
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.
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Eco Terra
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,386. 32,779 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
32990Other manufacturing not elsewhere classified
56210Event catering
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.