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OAK3

Active
Private limited companyfounded 20205 yrs activeKoekoekstraat 41, 1755 Pajottegem, BelgiumKBO/BCE: BE 0760.616.194
Summary

OAK3 has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€2,846) and a net result of -€1,341. Equity is shrinking by ~73% per year across the filed fiscal years. Its solvency ranks better than 5% of 2067 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals

Five 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 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Age of the figures
Age of the figures
9 mo
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 5 years 0 10 y
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
2122232425
2021 to 2025 · latest year -€2,846
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filings
Deviation from the deadline
2025
31 d late
2024
12 d late
2023
9 d late
2022
11 d late
2021
25 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 18 days after the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

On 29 December 2020, OAK3 was incorporated as a Private limited company.1 Total assets went from EUR 3,191 in 2021 to EUR 1,362 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2021 and 2025

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Financials · fiscal year 2025, micro schema

Equity
-€2,846▼ 89.1%
2024 · -€1,505
Total assets
€1,362▼ 38.6%
2024 · €2,219
Net result
-€1,341▼ 4.9%
2024 · -€1,278
Working capital
-€3,137▼ 52.9%
2024 · -€2,051
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€19--€1,056-€544▲ 48.5%-€1,211▼ 123%-€1,268▼ 4.7%
Net result-€24--€1,104▼ 4,422%-€599▲ 45.8%-€1,278▼ 114%-€1,341▼ 4.9%
Equity€1,476-€372▼ 74.8%-€227-€1,505▼ 563%-€2,846▼ 89.1%
Total assets€3,191-€2,210▼ 30.7%€2,192▼ 0.8%€2,219▲ 1.3%€1,362▼ 38.6%
Debt€1,716-€1,839▲ 7.1%€2,419▲ 31.5%€3,724▲ 54.0%€4,208▲ 13.0%
Working capital€1,030--€685-€1,028▼ 50.1%-€2,051▼ 99.5%-€3,137▼ 52.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€1,500-€1,000-€500€0Operating result 2021: €19€19Net result 2021: -€24-€24Operating result 2022: -€1,056-€1,056Net result 2022: -€1,104-€1,104Operating result 2023: -€544-€544Net result 2023: -€599-€599Operating result 2024: -€1,211-€1,211Net result 2024: -€1,278-€1,278Operating result 2025: -€1,268-€1,268Net result 2025: -€1,341-€1,34120212022202320242025-€1,500-€1,000-€500€0Operating result 2023: -€544-€544Net result 2023: -€599-€599Operating result 2024: -€1,211-€1,210Net result 2024: -€1,278-€1,280Operating result 2025: -€1,268-€1,270Net result 2025: -€1,341-€1,340202320242025
The operating result stays negative: a loss of €1,268 in 2025 against €1,211 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1,362
Fixed assets €291 ▼ 46.8%
Current assets €1,071 ▼ 36.0%
Key figures and ratios
2025 value · change against 2024
EBITDA
-€1,013▼
2024 · -€956
Cash flow
-€1,085▼
2024 · -€1,023
Interest coverage
-14.04▲
2024 · -14.23
Debt ≤ 1 year
€4,208▲
2024 · €3,724
Ratios withheld: a balance sheet total of €1,362 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,035 companies that looked in July 2024 the way this one looks now, 7.2% went bankrupt within 24 months and 82% are still going.

  • Micro
  • 5 to 10 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
7.2% went bankrupt
8.2% stopped otherwise
82% still going

A further 2.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 6,035 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 28 lines
Balance sheet Code20242025
Assets
Total assets20/58€2,219€1,362▼
Fixed assets21/28€546€291▼
Tangible fixed assets22/27€546€291▼
Plant, machinery and equipment23€546€291▼
Current assets29/58€1,673€1,071▼
Amounts receivable within one year40/41€353€295▼
Other amounts receivable41€353€295▼
Cash at bank and in hand54/58€1,320€776▼
Equity and liabilities
Total equity and liabilities10/49€2,219€1,362▼
Equity10/15-€1,505-€2,846▼
Contributions10/11€1,500€1,500=
Profit (loss) carried forward14-€3,005-€4,346▼
Amounts payable17/49€3,724€4,208▲
Amounts payable within one year42/48€3,724€4,208▲
Trade debts44€545-
Suppliers440/4€545-
Other amounts payable47/48€3,180€4,208▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€255€255=
Other operating charges640/8€387€400▲
Gross operating margin9900-€569-€613▼
Operating profit (loss)9901-€1,211-€1,268▼
Financial charges65/66B€67€72▲
Recurring financial charges65€67€72▲
Profit (loss) for the period before taxes9903-€1,278-€1,341▼
Profit (loss) for the period9904-€1,278-€1,341▼
Profit (loss) for the period to be appropriated9905-€1,278-€1,341▼
Appropriation of the result
Profit (loss) to be appropriated9906-€3,005-€4,346▼
Profit (loss) brought forward from the previous period14P-€1,727-€3,005▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56€164€255€255€255=
Other operating charges640/8€398€348€384€387€400▲ 3.2%
Gross operating margin9900€472-€544€96-€569-€613▼ 7.9%
Operating profit (loss)9901€19-€1,056-€544-€1,211-€1,268▼ 4.7%
Financial income75/76B--€1---
Recurring financial income75--€1---
Financial charges65/66B€44€48€55€67€72▲ 7.4%
Recurring financial charges65€44€48€55€67€72▲ 7.4%
Profit (loss) for the period before taxes9903-€24-€1,104-€599-€1,278-€1,341▼ 4.9%
Profit (loss) for the period9904-€24-€1,104-€599-€1,278-€1,341▼ 4.9%
Profit (loss) for the period to be appropriated9905-€24-€1,104-€599-€1,278-€1,341▼ 4.9%
Line20212022202320242025Change
Assets
Total assets20/58€3,191€2,210€2,192€2,219€1,362▼ 38.6%
Fixed assets21/28€445€1,057€801€546€291▼ 46.8%
Tangible fixed assets22/27€445€1,057€801€546€291▼ 46.8%
Plant, machinery and equipment23€445€1,057€801€546€291▼ 46.8%
Current assets29/58€2,746€1,153€1,390€1,673€1,071▼ 36.0%
Amounts receivable within one year40/41-€111€120€353€295▼ 16.4%
Other amounts receivable41-€111€120€353€295▼ 16.4%
Cash at bank and in hand54/58€2,746€1,043€1,271€1,320€776▼ 41.2%
Equity and liabilities
Total equity and liabilities10/49€3,191€2,210€2,192€2,219€1,362▼ 38.6%
Equity10/15€1,476€372-€227-€1,505-€2,846▼ 89.1%
Contributions10/11€1,500€1,500€1,500€1,500€1,500=
Profit (loss) carried forward14-€24-€1,128-€1,727-€3,005-€4,346▼ 44.6%
Amounts payable17/49€1,716€1,839€2,419€3,724€4,208▲ 13.0%
Amounts payable within one year42/48€1,716€1,839€2,419€3,724€4,208▲ 13.0%
Trade debts44-€124€40€545--
Suppliers440/4-€124€40€545--
Taxes, remuneration and social security45€1-----
Taxes450/3€1-----
Other amounts payable47/48€1,715€1,715€2,379€3,180€4,208▲ 32.3%
Line20212022202320242025Change
Profit (loss) for the period9904-€24-€1,104-€599-€1,278-€1,341▼ 4.9%
+ Depreciation and write-downs630€56€164€255€255€255=
Operating cash flow (approximation)€31-€940-€343-€1,023-€1,085▼ 6.1%
Investment in fixed assets (approximation)--€776€0€0€0-
Change in cash--€1,703€228€49-€544▼ 1,200%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial Weakest financial yearnet -€1,341
Net result drops to -€1,341, the lowest in the series.
12-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
09-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
11-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
25-08
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Pajottegem · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
842 m²
Building footprint
97 m²
Volume, LiDAR
761 m³
Parcel 23024C0089/00E000, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
The Oak3
Koekoekstraat 41, 1755 PajottegemJoinery installation
since 20212.313.972.315
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23024C0089/00E000 Flanders 841 m² 1 · 97 m² 9.5 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 11,671 companies in sector 85599 we hold annual accounts for 1,329. 101 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded29-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
85599Other education
43990Other specialised construction activities
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
96999Other personal services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0760616194
Also 9925:BE0760616194
Registered 09-01-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.