Oak Advisers is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €151k and a net result of €71k. Its solvency ranks better than 74% of 8018 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 2 filingsDeviation from the deadline
2025
28 d late
2024
28 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€151k▲ 88.8%
2024 · €80k
2024: €80k
2024 → 2025
Net result
€71k▼ 5.3%
2024 · €75k
2024: €75k
2024 → 2025
Total assets
€196k▲ 89.5%
2024 · €103k
2024: €103k
2024 → 2025
Solvency
76.9%▼ 0.3pp
2024 · 77.2%
2024: 77.2%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€80k-€151k▲ 88.8%
Operating result€95k-€90k▼ 4.6%
Net result€75k-€71k▼ 5.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €196k
Equity
€151k▲ 88.8%
Debt
€45k▲ 91.9%
The debt ratio rises from 22.8% to 23.1%. Equity and debt are higher.
Key figures and ratios
Solvency
76.9%▼
2024 · 77.2%
ROE
47.0%▼
2024 · 93.7%
ROA
36.2%▼
2024 · 72.4%
Debt
€45k▲
2024 · €24k
Debt ≤ 1 year
€45k▲
2024 · €24k
Income taxes
€20k▼
2024 · €20k
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€103k€196k▲
Current assets29/58€103k€196k▲
Amounts receivable within one year40/41€13k€340▼
Trade receivables40-€340
Other amounts receivable41€13k-
Cash at bank and in hand54/58€91k€196k▲
Equity and liabilities
Total equity and liabilities10/49€103k€196k▲
Equity10/15€80k€151k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€75k€146k▲
Amounts payable17/49€24k€45k▲
Amounts payable within one year42/48€24k€45k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€22k€43k▲
Taxes450/3€22k€43k▲
Other amounts payable47/48€152€552▲
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€95k€91k▼
Operating profit (loss)9901€95k€90k▼
Financial income75/76B€383€352▼
Recurring financial income75€383€352▼
Financial charges65/66B€73€95▲
Recurring financial charges65€73€95▲
Profit (loss) for the period before taxes9903€95k€91k▼
Income taxes67/77€20k€20k▼
Profit (loss) for the period9904€75k€71k▼
Profit (loss) for the period to be appropriated9905€75k€71k▼
Appropriation of the result
Profit (loss) to be appropriated9906€75k€146k▲
Profit (loss) brought forward from the previous period14P-€75k
The notes to these accounts (1 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Equity above €150kEq €151k ▲88.8%
2 profitable years in a row build equity to €151k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
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, Etterbeek · 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.
Philippe Baucqstraat 1071040 EtterbeekGround area
130 m²
Building footprint
103 m²
Volume, LiDAR
1,645 m³
Parcel 21363B0431/00N005, Brussels · tallest building 19.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Philippe Baucqstraat 107, 1040 Etterbeek
since 20242.357.566.489
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21363B0431/00N005 | Brussels | 130 m² | 1 · 103 m² | 19.9 m · 6 fl. |
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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Of 807 companies in sector 64999 we hold annual accounts for 484. 324 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2024
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
85599Other education
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.