OKAF Consult
ActiveOKAF Consult has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €18k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 29% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+13
Solvency54=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.25 in 2024; short-term debt: 56.4% and cash: 49.9% of total assets), and 71.1% 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
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 →
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
28.9%
Return on assets
25.2%
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 dateAge against the risk zone
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 02-03-2026, 151 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
151 d early
2024
70 d early
2023
57 d early
2022
81 d early
2021
29 d late
2020
23 d early
2019
4 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▼ 4.2%
2024 · €21k
2018: €19k
2019: €36k
2020: €53k
2021: €12k
2022: €19k
2023: €22k
2024: €21k
2018 → 2025
Total assets
€70k▼ 4.7%
2024 · €74k
2018: €32k
2019: €51k
2020: €68k
2021: €50k
2022: €37k
2023: €82k
2024: €74k
2018 → 2025
Net result
€18k▲ 63.7%
2024 · €11k
2018: €6k
2019: €18k
2020: €18k
2021: €14k
2022: €16k
2023: €24k
2024: €11k
2018 → 2025
Working capital
€3k▼ 65.6%
2024 · €9k
2018: €12k
2019: €30k
2020: €51k
2021: €6k
2022: €12k
2023: €8k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€19k▲ 50.0%€22k▲ 19.4%€21k▼ 4.1%€20k▼ 4.2%
Operating result€19k-€21k▲ 12.0%€31k▲ 46.5%€17k▼ 44.7%€25k▲ 46.8%
Net result€14k-€16k▲ 11.8%€24k▲ 46.0%€11k▼ 53.9%€18k▲ 63.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 47% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€28k▼ 1.5%
Current assets
€43k▼ 6.6%
Equity and liabilities €70k
Equity
€20k▼ 4.2%
Provisions
€600▼ 33.3%
Debt
€49k▼ 4.4%
The debt ratio rises from 70.0% to 70.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€33k▲
2024 · €24k
Cash flow
€25k▲
2024 · €18k
Solvency
28.9%▲
2024 · 28.8%
Current ratio
1.08▼
2024 · 1.25
Quick ratio
1.08▼
2024 · 1.25
Debt / equity
2.43▼
2024 · 2.43
ROE
87.0%▲
2024 · 50.9%
ROA
25.2%▲
2024 · 14.7%
Interest coverage
13.23▲
2024 · 8.77
Debt
€49k▼
2024 · €52k
Debt ≤ 1 year
€40k▲
2024 · €37k
Debt > 1 year
€10k▼
2024 · €15k
Income taxes
€5k▲
2024 · €4k
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€74k€70k▼
Fixed assets21/28€28k€28k▼
Tangible fixed assets22/27€28k€28k▼
Furniture and vehicles24-€934
Leasing and similar rights25€23k€17k▼
Other tangible fixed assets26€5k€9k▲
Current assets29/58€46k€43k▼
Amounts receivable within one year40/41€7k€8k▲
Trade receivables40€6k€8k▲
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€39k€35k▼
Equity and liabilities
Total equity and liabilities10/49€74k€70k▼
Equity10/15€21k€20k▼
Contributions10/11€19k€19k=
Reserves13€3k€2k▼
Tax-exempt reserves132€3k€2k▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€900€600▼
Deferred taxes168€900€600▼
Amounts payable17/49€52k€49k▼
Amounts payable after more than one year17€15k€10k▼
Financial debts170/4€15k€10k▼
Amounts payable within one year42/48€37k€40k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Financial debts43€30€60▲
Credit institutions430/8€30€60▲
Trade debts44€676€676=
Suppliers440/4€676€676=
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€30k€32k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€993€1k▲
Gross operating margin9900€25k€34k▲
Operating profit (loss)9901€17k€25k▲
Financial income75/76B€10€49▲
Recurring financial income75€10€49▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€14k€23k▲
Transfer from deferred taxes780€300€300=
Transfer to deferred taxes680€0-
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€11k€18k▲
Transfer from tax-exempt reserves789€900€900=
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€12k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€19k▲
Profit to be distributed694/7€12k€19k▲
Return on contributions (dividend)694€12k€19k▲
The notes to these accounts (9 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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €24k ▲46%
Operating result €31k, net result €24k, both a record.
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brecht · 1 establishment unit since 2021
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.
Ganzendries 72960 BrechtGround area
283 m²
Building footprint
114 m²
Volume, LiDAR
380 m³
Parcel 11333D0833/00D000, Flanders · tallest building 15.4 m. Linked by address, not a title deed.
1 establishment unit
OKAF Consult
since 20212.277.187.440
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11333D0833/00D000 | Flanders | 283 m² | 1 · 114 m² | 15.4 m |
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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 270 EUR awarded · 270 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 270 EUR | 270 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Rising Solutions
BE 1004.017.306
Waterloo · Eq €20k
BHE Management
BE 0767.927.521
Overijse · Eq €20k
MOMENTUM CONSULTANCY
BE 1026.630.974
Ronse · Eq €20k
BRAFEN
BE 0729.707.244
Mortsel · Eq €20k
NASKA CONSULTING
BE 0641.814.851
Vorst · Eq €20k
Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 30,729 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.