OKO Architectes · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of OKO Architectes is 0.6% (low). The 2025 annual accounts show equity of €30k and a net result of €6k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 38% of 1162 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

2 signals · with evidence

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-04-2026, 115 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	07-04-2026	115 d early	2026-00075049
31-12-2024	31-07-2025	18-04-2025	104 d early	2025-00073853
31-12-2023	31-07-2024	02-05-2024	90 d early	2024-00084661

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Young company

Founded in 2023, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.6% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Turnover€130k+27.9%

EBIT margin9.1%-13.6pp

Net result€6k-52.7%

Working capital€18k+9.4%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 07-04-2026 with the NBB · fiscal year 2025 · micro

RevenueOperating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~22.5%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 71, Architecture & engineering · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	42.1%	55.1%	better than 38% of 1162 sector peers
Net result	€6k	€24k	better than 25% of 1161 sector peers
Equity	€30k	€51k	better than 35% of 1162 sector peers
Gross operating margin	€19k	€43k	better than 27% of 1161 sector peers
Staff costs	€2k	€14k	higher than 32% of 178 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P38

Weakening position over 2023-2025 · n=1162-3380

Net result P25

Weakening position over 2023-2025 · n=1161-3380

Equity P35

Stable position over 2023-2025 · n=1162-3382

Gross operating margin P27

Stable position over 2023-2025 · n=1161-3377

Describes the position versus peers, not a forecast.

Revenue

€130k

+27.9% 23-25

EBITDA

€17k

-36.3% 23-25

Net profit

€6k

-52.7% 23-25

Cash flow

€11k

-32.3% 23-25

Total assets

€72k

+13.9% 23-25

Equity

€30k

0.0% 23-25

Working capital

€18k

+9.4% 23-25

Staff costs

€2k

- 23-25

Income taxes

€3k

-63.0% 23-25

Debt

€42k

+26.7% 23-25

Debt ≤ 1y

€42k

+26.7% 23-25

Current ratio

1.43

-4.5% 23-25

Quick ratio

1.43

-4.5% 23-25

Solvency

42.1%

-12.2% 23-25

Debt / equity

1.37

+26.7% 23-25

ROE

21.2%

-52.7% 23-25

ROA

8.9%

-58.5% 23-25

Net margin

5.0%

-63.0% 23-25

EBITDA margin

12.8%

-50.2% 23-25

Interest coverage

6.17

-46.6% 23-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	€130k
EBITDA	€17k
Net profit	€6k
Cash flow	€11k
Staff costs	€2k
Income taxes	€3k
Dividends	-
Total assets	€72k
Equity	€30k
Debt	€42k
of which ≤ 1y	€42k
of which > 1y	-
Working capital	€18k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	1.43
Quick ratio	1.43
Working capital ratio	24.7%
Solvency	42.1%
Debt / equity	1.37
Long-term debt ratio	-
Interest coverage	6.17
Gross margin	13.0%
Net margin	5.0%
ROA	8.9%
ROE	21.2%
EBITDA margin	12.8%
Days sales outstanding	90d
Days payable outstanding	60d
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €13k · 17.4% Current assets €60k · 82.6%

Equity & liabilities

Equity €30k · 42.1% Debt €42k · 57.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€72k
Fixed assets	21/28	€13k
Intangible fixed assets	21	€288
Tangible fixed assets	22/27	€12k
Current assets	29/58	€60k
Amounts receivable within one year	40/41	€34k
Cash & bank	54/58	€18k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€72k
Equity	10/15	€30k
Contributions / capital	10/11	€5k
Reserves	13	€25k
Amounts payable	17/49	€42k
Amounts payable within one year	42/48	€42k
Trade debts payable within one year	44	€19k
Income statement
Turnover	70	€130k
Gross operating margin	9900	€19k
Operating result	9901	€12k
Financial income	75	€0
Financial charges	65	€3k
Result before taxes	9903	€9k
Income taxes	67/77	€3k
Net result for the period	9904	€6k
Result to be appropriated	9905	€6k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

86 / 100 Excellent

050100

Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Rue Chapelle-de-la-Paix 235070 Fosses-la-Ville

Establishment units

1 location

Rue Chapelle-de-la-Paix 23, 5070 Fosses-la-Ville

Activiteiten van bouwarchitecten

since 20232.352.317.603

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area7,717 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
92048B0603/00F000	Wallonia	7,717 m²	-	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

Address history · 1

05-08-2025

Registered-office move

All acts · 1 updated 1 year ago

2025

05-08-2025 Registered office moved from Fosses-la Ville to Fosses-la-Ville Registered-office change

377, Chaussée de Charleroi à 5070 Fosses-la Ville → 23, Rue Chapelle de la Paix à 5070 Fosses-la-Ville

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

76 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 86

Profitability 71

Solvency 74

Growth 68

Stability 82

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