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OKFI

Active
Private limited companyfounded 20232 yrs activeKleibeekstraat 33, 9100 Sint-Niklaas, BelgiumKBO/BCE: BE 1002.534.887
Summary

The computed 12-month bankruptcy probability of OKFI is 1.6% (moderate). The 2025 annual accounts show equity of €54,665 and a net result of €36,887. Its solvency ranks better than 74% of 18606 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability100=
Solvency88▲+31
Growth78
Track record82
Bankruptcy probability, 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 2.23 against 1.29 in 2024; short-term debt: 36.9% and cash: 53.5% of total assets), and 36.9% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
63.1%
Return on assets
42.6%
Age of the figures
9 mo
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 · 2 filings
Deviation from the deadline
2025
31 d late
2024
29 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 30 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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
28-09-2026 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 22 November 2023, OKFI was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

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

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Financials · fiscal year 2025, micro schema

Equity
€54,665▲ 207%
2024 · €17,779
Total assets
€86,572▲ 56.7%
2024 · €55,252
Net result
€36,887▲ 120%
2024 · €16,779
Working capital
€39,397▲ 263%
2024 · €10,866
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result€21,066-€50,169▲ 138%
Net result€16,779within the sector's middle half-€36,887above the sector's middle half▲ 120%
Equity€17,779within the sector's middle half-€54,665within the sector's middle half▲ 207%
Total assets€55,252below the sector's middle half-€86,572within the sector's middle half▲ 56.7%
Debt€37,473-€31,907▼ 14.9%
Working capital€10,866within the sector's middle half-€39,397within the sector's middle half▲ 263%
Solvency32.2%within the sector's middle half-63.1%within the sector's middle half▲ 31.0pp
Current ratio1.29within the sector's middle half-2.23within the sector's middle half▲ 0.94
Return on assets (ROA)30.4%above the sector's middle half-42.6%above the sector's middle half▲ 12.2pp
above within below the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€20,000€40,000€60,000Operating result 2024: €21,066€21,066Net result 2024: €16,779€16,779Operating result 2025: €50,169€50,169Net result 2025: €36,887€36,88720242025€0€20,000€40,000€60,000Operating result 2024: €21,066€21,100Net result 2024: €16,779€16,800Operating result 2025: €50,169€50,200Net result 2025: €36,887€36,90020242025
The operating result rises in 2025; 2025 is 138% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86,572
Fixed assets €15,268 ▲ 121%
Current assets €71,304 ▲ 47.5%
Equity and liabilities €86,572
Equity €54,665 ▲ 207%
Debt €31,907 ▼ 14.9%
Debt's share of the balance-sheet total falls from 67.8% to 36.9%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€54,646▲
2024 · €22,362
Cash flow
€41,363▲
2024 · €18,074
Quick ratio
1.45▲
2024 · 0.60
Debt to equity
0.58▼
2024 · 2.11
ROE
67.5%▼
2024 · 94.4%
Interest coverage
12.64▼
2024 · 223.15
Debt ≤ 1 year
€31,907▼
2024 · €37,473
Income taxes
€9,261▲
2024 · €4,195
Staff costs
€38,256▲
2024 · €2,126
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 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% 1.7%
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 75% 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 39,276 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 · 36 lines
Balance sheet Code20242025
Assets
Total assets20/58€55,252€86,572▲
Fixed assets21/28€6,912€15,268▲
Tangible fixed assets22/27€6,839€14,295▲
Plant, machinery and equipment23€6,152€13,865▲
Furniture and vehicles24€687€430▼
Financial fixed assets28€74€973▲
Current assets29/58€48,339€71,304▲
Stocks and contracts in progress3€26,024€25,014▼
Stocks30/36€26,024€25,014▼
Cash at bank and in hand54/58€22,315€46,290▲
Equity and liabilities
Total equity and liabilities10/49€55,252€86,572▲
Equity10/15€17,779€54,665▲
Contributions10/11€1,000€1,000=
Profit (loss) carried forward14€16,779€53,665▲
Amounts payable17/49€37,473€31,907▼
Amounts payable within one year42/48€37,473€31,907▼
Trade debts44€25,863€9,357▼
Suppliers440/4€25,863€9,357▼
Taxes, remuneration and social security45€11,610€22,550▲
Taxes450/3€11,610€21,239▲
Remuneration and social security454/9-€1,310
Income statement Code20242025
Remuneration, social security and pensions62€2,126€38,256▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,295€4,476▲
Other operating charges640/8€801€476▼
Gross operating margin9900€25,288€93,378▲
Operating profit (loss)9901€21,066€50,169▲
Financial income75/76B€7€302▲
Recurring financial income75€7€302▲
Financial charges65/66B€100€4,324▲
Recurring financial charges65€100€4,324▲
Profit (loss) for the period before taxes9903€20,973€46,147▲
Income taxes67/77€4,195€9,261▲
Profit (loss) for the period9904€16,779€36,887▲
Profit (loss) for the period to be appropriated9905€16,779€36,887▲
Appropriation of the result
Profit (loss) to be appropriated9906€16,779€53,665▲
Profit (loss) brought forward from the previous period14P-€16,779

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Remuneration, social security and pensions62€2,126€38,256▲ 1,700%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,295€4,476▲ 246%
Other operating charges640/8€801€476▼ 40.6%
Gross operating margin9900€25,288€93,378▲ 269%
Operating profit (loss)9901€21,066€50,169▲ 138%
Financial income75/76B€7€302▲ 4,180%
Recurring financial income75€7€302▲ 4,180%
Financial charges65/66B€100€4,324▲ 4,215%
Recurring financial charges65€100€4,324▲ 4,215%
Profit (loss) for the period before taxes9903€20,973€46,147▲ 120%
Income taxes67/77€4,195€9,261▲ 121%
Profit (loss) for the period9904€16,779€36,887▲ 120%
Profit (loss) for the period to be appropriated9905€16,779€36,887▲ 120%
Line20242025Change
Assets
Total assets20/58€55,252€86,572▲ 56.7%
Fixed assets21/28€6,912€15,268▲ 121%
Tangible fixed assets22/27€6,839€14,295▲ 109%
Plant, machinery and equipment23€6,152€13,865▲ 125%
Furniture and vehicles24€687€430▼ 37.4%
Financial fixed assets28€74€973▲ 1,216%
Current assets29/58€48,339€71,304▲ 47.5%
Stocks and contracts in progress3€26,024€25,014▼ 3.9%
Stocks30/36€26,024€25,014▼ 3.9%
Cash at bank and in hand54/58€22,315€46,290▲ 107%
Equity and liabilities
Total equity and liabilities10/49€55,252€86,572▲ 56.7%
Equity10/15€17,779€54,665▲ 207%
Contributions10/11€1,000€1,000=
Profit (loss) carried forward14€16,779€53,665▲ 220%
Amounts payable17/49€37,473€31,907▼ 14.9%
Amounts payable within one year42/48€37,473€31,907▼ 14.9%
Trade debts44€25,863€9,357▼ 63.8%
Suppliers440/4€25,863€9,357▼ 63.8%
Taxes, remuneration and social security45€11,610€22,550▲ 94.2%
Taxes450/3€11,610€21,239▲ 82.9%
Remuneration and social security454/9-€1,310-
Line20242025Change
Profit (loss) for the period9904€16,779€36,887▲ 120%
+ Depreciation and write-downs630€1,295€4,476▲ 246%
Operating cash flow (approximation)€18,074€41,363▲ 129%
Investment in fixed assets (approximation)--€12,832-
Change in cash-€23,975-

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
29-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Sint-Niklaas · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
580 m²
Building footprint
418 m²
Volume, LiDAR
2,267 m³
Parcel 46021A0657/00S000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
6 companies at this address See who is registered here
1 establishment unit
OKFI
Kleibeekstraat 33, 9100 Sint-NiklaasRetail trade
since 20242.352.829.129
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46021A0657/00S000 Flanders 580 m² 1 · 418 m² 8.7 m · 2 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Sint-Niklaas2.352.829.129
3 permissions
Toelating · Vleeswinkel · since 20-03-2026
Toelating · Detailhandel · since 10-01-2024
Toelating · Viswinkel · since 10-01-2024

Dual-learning approval

2 live approvals
Winkelmedewerker (vwo)
Goedgekeurd · 2025 to 2030
Winkelmedewerker duaal (so)
Goedgekeurd · 2025 to 2030

Similar companies · same sector, comparable size

Of 10,510 companies in sector 47110 we hold annual accounts for 5,853. 4,652 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
Founded22-11-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Reachable via Peppol
Peppol ID 0208:1002534887
Also 9925:BE1002534887
Registered 12-02-2026

Register as of 28 September 2026 · Peppol Directory

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