BLACK OAK

Active

Private limited companyfounded 20224 yrs activeSteenweg Deinze 154, 9810 Nazareth-De Pinte, BelgiumKBO/BCE: BE 0789.405.794

Summary

The annual accounts of BLACK OAK for fiscal year 2025 show a net loss of 86% of the equity at the start of that year. The 2025 annual accounts show equity of €131,676 and a net result of -€803,370. Equity is growing by ~58.9% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch Report Compare

BLACK OAKActiveChecked score 54/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€6.5mtotal assets 2025

Equity: €131,676
Loss: -€803,370

Turnover not published (abridged schema)

Financial health

54 Fair Checked score 2025

Bankruptcy chance 12 m: 0.4%

Structure

Parent: SCHAUBROECK · 54.55%

Accounts 38 d early0 of 2 deeds read

Why 54Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Loss of €803,370, the second in a row (FY 2025)- Equity €131,676 (2.0% of total assets)+ Size: total assets €6.5m+ No main activity registeredShow the evidence

Checked score

Score 2025

54 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 23% of its sector peers (no NACE code, small)

Performance against the sector, not lower risk

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 27-12

equity 2.0% of total assets

Liquidity 52-7

short-term debt 5.4% · cash 1.4%

Profitability 20-13

return on assets -12.3%

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 12 months 11-2025: 0.1%lowest value 12-2025: 0.1%● 0.0% vs 11-2025lowest value 01-2026: 0.1%● 0.0% vs 12-2025lowest value 02-2026: 0.1%▲ +5.1% vs 01-2026 03-2026: 0.1%▼ -2.4% vs 02-2026 04-2026: 0.1%▲ +5.0% vs 03-2026 05-2026: 0.1%▲ +13.4% vs 04-2026 06-2026: 0.2%▲ +13.9% vs 05-2026 07-2026: 0.4%▲ +131% vs 06-2026highest value 08-2026: 0.4%▼ -3.4% vs 07-2026 09-2026: 0.4%● 0.0% vs 08-2026 10-2026: 0.4%● 0.0% vs 09-2026

Size: total assets €6.5m lowers the probability for this profile
Loss of €803,370, the second in a row (FY 2025) raises the probability
No main activity registered lowers the probability
Equity €131,676 (2.0% of total assets) raises the probability

Credit up to €7,000 at 30 days only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity short (current ratio 0.31 against 1.72 in 2024; short-term debt: 5.4% and cash: 1.4% of total assets), and 98% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, small). Better than this share of them on solvency 14%, liquidity 64%, profitability 12%, growth against the median 3%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €6.5m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Loss of €803,370, the second in a row (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

No main activity registered

In the bankruptcy model this factor lowers the probability.

KBO

Equity €131,676 (2.0% of total assets)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

232425

2023 to 2025 · latest year -€803,370

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-06-2026, 38 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

38 d early

2024

31 d early

2023

14 d early

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 3 accounts on average 28 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)

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. Usually files around 30 June (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage