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OKO & ZO

Active
Non-profit associationfounded 200322 years activeRotstraat 20, 9240 Zele, BelgiumKBO/BCE: BE 0862.154.608
Summary

OKO & ZO has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €668,157 and a net result of -€15,184. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 82% of 659 sector peers (NACE 88, fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Overview

Activity
Day nurseries and crèches
NACE 88911
#5 company by equity in Zele, Health and social work sector2 sites
Size
€858,840total assets 2025
Staff
14.2 FTE
Equity
€668,157
Loss
-€15,184
Financial health
94 Excellent Checked score 2025
Bankruptcy probability, 12 months
< 0.1%
Structure
Accounts 37 days early0 of 7 deeds read
Why 94+ Legal form Non-profit association+ Liquidity: current ratio 3.70, cash €419,271+ Equity €668,157 (77.8% of total assets)+ Sector Social work activities without accommodation (NACE 88)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 54% of its sector peers (NACE 88, small)
Financial strength · tick = 2024
Strong
Solvency 100=
equity 77.8% of total assets
Liquidity 92+7
short-term debt 22.2% · cash 48.8%
Profitability 17-54
return on assets -1.8%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (587 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025highest value 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026
Credit up to €60,000 at 30 days acceptable
Liquidity ample (current ratio 3.7 against 3.47 in 2024; short-term debt: 22.2% and cash: 48.8% of total assets), and 22.2% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 88, small): better than 88% on solvency, 86% on liquidity, 16% on profitability and 26% on growth.

The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk○neutral
lowers risk · Legal form Non-profit association
KBO
lowers risk · Liquidity: current ratio 3.70, cash €419,271
NBB · annual accounts
lowers risk · Equity €668,157 (77.8% of total assets)
NBB · annual accounts
lowers risk · Sector Social work activities without accommodation (NACE 88)
KBO
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 24-06-2026, 37 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
37 days early
2024
28 days early
2023
37 days early
2022
31 days early
2021
33 days early
2020
22 days early
2019
28 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 24 days before the deadline, and 25% 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. Usually files around 28 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. General meeting · DissolutionDirector appointment · Liquidation distribution
  3. Weakest financial yearnet -€15,184

Key points

  • Caution: Among the weakest 20% on net resultsector median €13,071 · 653 companies -€15,184 View
  • Flemish supportawarded 2022 - 2025 €4.1m View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View

By topic

Financials

Fiscal year
2025
Total assets
€858,840
Loss
-€15,184
Solvency
77.8%
Total assets▼ 4.1%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 03-07-2025Annual accounts filed
  2. 31-12-2024Back to profit
  3. 24-06-2024Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Non-profit association
Activity
Day nurseries and crèchesNACE 88911
Founded
11-12-2003
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

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