OAK
ActiveThe computed 12-month bankruptcy probability of OAK is 2.3% (moderate). The 2025 annual accounts show equity of €680k and a net result of €123k. Equity is growing by ~31.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 3663 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▲+13
Solvency46▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.32 against 0.17 in 2024; short-term debt: 27.1% and cash: 2.8% of total assets), and 78.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
21.3%
Return on assets
3.8%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-05-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
30 d late
2024
21 d late
2023
on the day
2022
2 d early
2021
1 d early
2020
on the day
2019
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€680k▲ 22.0%
2024 · €557k
2018: €77k
2019: €131k
2020: €191k
2021: €191k
2022: €369k
2023: €481k
2024: €557k
2018 → 2025
Total assets
€3.19M▼ 0.4%
2024 · €3.20M
2018: €394k
2019: €397k
2020: €531k
2021: €399k
2022: €705k
2023: €2.53M
2024: €3.20M
2018 → 2025
Net result
€123k▲ 61.7%
2024 · €76k
2018: €62k
2019: €54k
2020: €60k
2021: €91
2022: €178k
2023: €112k
2024: €76k
2018 → 2025
Working capital
€-589k▲ 16.7%
2024 · €-708k
2018: €-33k
2019: €29k
2020: €52k
2021: €38k
2022: €200k
2023: €-761k
2024: €-708k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€191k-€369k▲ 93.0%€481k▲ 30.3%€557k▲ 15.8%€680k▲ 22.0%
Operating result€640-€254k▲ 39,656%€229k▼ 9.8%€208k▼ 9.3%€295k▲ 41.6%
Net result€91-€178k▲ 194,612%€112k▼ 37.1%€76k▼ 32.2%€123k▲ 61.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 42% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.19M
Fixed assets
€2.91M▼ 4.8%
Current assets
€276k▲ 95.8%
Equity and liabilities €3.19M
Equity
€680k▲ 22.0%
Debt
€2.51M▼ 5.1%
The debt ratio falls from 82.6% to 78.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€436k▲
2024 · €310k
Cash flow
€264k▲
2024 · €178k
Solvency
21.3%▲
2024 · 17.4%
Current ratio
0.32▲
2024 · 0.17
Quick ratio
0.21▲
2024 · 0.09
Debt / equity
3.69▼
2024 · 4.75
ROE
18.1%▲
2024 · 13.6%
ROA
3.8%▲
2024 · 2.4%
Interest coverage
4.32▲
2024 · 3.02
Debt
€2.51M▼
2024 · €2.65M
Debt ≤ 1 year
€865k▲
2024 · €848k
Debt > 1 year
€1.64M▼
2024 · €1.80M
Income taxes
€71k▲
2024 · €29k
Staff costs
€596k▲
2024 · €469k
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€3.20M€3.19M▼
Fixed assets21/28€3.06M€2.91M▼
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€3.06M€2.91M▼
Land and buildings22€2.67M€2.58M▼
Plant, machinery and equipment23€257k€220k▼
Furniture and vehicles24€68k€60k▼
Other tangible fixed assets26€69k€54k▼
Current assets29/58€141k€276k▲
Stocks and contracts in progress3€62k€92k▲
Stocks30/36€62k€92k▲
Amounts receivable within one year40/41€24k€85k▲
Trade receivables40€0€81k▲
Other amounts receivable41€24k€4k▼
Cash at bank and in hand54/58€49k€91k▲
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€3.20M€3.19M▼
Equity10/15€557k€680k▲
Contributions10/11€6k€6k=
Reserves13€551k€673k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€551k€673k▲
Amounts payable17/49€2.65M€2.51M▼
Amounts payable after more than one year17€1.80M€1.64M▼
Financial debts170/4€1.80M€1.64M▼
Amounts payable within one year42/48€848k€865k▲
Current portion of amounts payable after more than one year42€148k€154k▲
Financial debts43€80k€20k▼
Credit institutions430/8€80k€20k▼
Trade debts44€459k€244k▼
Suppliers440/4€459k€244k▼
Taxes, remuneration and social security45€53k€75k▲
Taxes450/3€10k€16k▲
Remuneration and social security454/9€44k€59k▲
Other amounts payable47/48€108k€372k▲
Accrued charges and deferred income492/3€1k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€469k€596k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€102k€142k▲
Other operating charges640/8€8k€6k▼
Gross operating margin9900€786k€1.04M▲
Operating profit (loss)9901€208k€295k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€103k€101k▼
Recurring financial charges65€103k€101k▼
Profit (loss) for the period before taxes9903€105k€194k▲
Income taxes67/77€29k€71k▲
Profit (loss) for the period9904€76k€123k▲
Profit (loss) for the period to be appropriated9905€76k€123k▲
Appropriation of the result
Profit (loss) to be appropriated9906€76k€123k▲
Transfer to equity691/2€76k€123k▲
To other reserves6921€76k€123k▲
Social balance
Average headcount (FTE)90879.110.0▲
The notes to these accounts (15 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
30-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
21-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 21 days late
2024
30-09
Financial
Equity above €500kEq €557k ▲15.8%
7 profitable years in a row build equity to €557k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2018net €178k ▲194612%
Net result €178k, the highest in the series.
30-09
Financial
Equity above €200kEq €369k ▲93%
5 profitable years in a row build equity to €369k.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Weakest financial yearnet €91 ▼99.8%
Net result drops to €91, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €150kEq €191k ▲46.2%
3 profitable years in a row build equity to €191k.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 29 days late
2019
30-09
Financial
Equity above €100kEq €131k ▲70.3%
2 profitable years in a row build equity to €131k.
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 3 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, Gent · 3 establishment units 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.
Burgstraat 169000 GentGround area
1,081 m²
Building footprint
598 m²
Volume, LiDAR
5,574 m³
3 parcels, Flanders · tallest building 19.8 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
OAK
since 20242.354.664.904
OAK
since 20262.383.133.117
OAK
since 20262.386.761.808
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F2563/00C000 | Flanders | 432 m² | 1 · 86 m² | - |
| 44815F3129/00A000 | Flanders | 351 m² | 1 · 265 m² | 14.9 m · 3 fl. |
| 44815F3135/00G000 | Flanders | 298 m² | 1 · 247 m² | 19.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.354.664.904
Dual-learning approval
11 endedSimilar companies · same sector, comparable size
DKI
BE 0631.723.683
Aalst · Eq €679k
LOONG
BE 0889.206.522
Jabbeke · Eq €680k
TONG SING
BE 0832.509.527
Knokke-Heist · Eq €679k
XIN SEN
BE 0472.229.850
Torhout · Eq €683k
DECEUNINCK FREDERIK
BE 0881.982.101
Knokke-Heist · Eq €676k
Of 20,494 companies in sector 56111 we hold annual accounts for 11,455. 5,404 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-08-2016
Fiscal year end30-09
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.