OKU Architecten
ActiveThe annual accounts of OKU Architecten for fiscal year 2024 show a net loss of 54% of the equity at the start of that year. The 2024 annual accounts show equity of €19k and a net result of €-16k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 10% of 11614 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
40
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability25▲+18
Solvency26▼-20
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.32 against 4.89 in 2023; short-term debt: 74.8% and cash: 1.4% of total assets), and 98.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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 2024Solvency, return and age of the figures
Solvency
1.4%
Return on assets
-1.1%
Age of the figures
21 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
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-16k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 11614 sector peers (2024).
NBB · sector comparisonPosition among 11614 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
2 d early
2022
5 d early
2021
5 d early
2020
1 d early
2019
12 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€19k▼ 32.6%
2023 · €29k
2018: €18k
2019: €13k
2020: €16k
2021: €23k
2022: €42k
2023: €29k
2018 → 2024
Total assets
€1.36M▲ 882%
2023 · €139k
2018: €24k
2019: €25k
2020: €30k
2021: €34k
2022: €95k
2023: €139k
2018 → 2024
Net result
€-16k▼ 21.9%
2023 · €-13k
2018: €5k
2019: €-5k
2020: €3k
2021: €7k
2022: €19k
2023: €-13k
2018 → 2024
Working capital
€322k▲ 280%
2023 · €85k
2018: €18k
2019: €8k
2020: €4k
2021: €9k
2022: €26k
2023: €85k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€16k-€23k▲ 44.4%€42k▲ 83.0%€29k▼ 30.7%€19k▼ 32.6%
Operating result€4k-€9k▲ 117%€26k▲ 188%€-13k€16k
Net result€3k-€7k▲ 119%€19k▲ 170%€-13k€-16k▼ 21.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €16k after a loss of €13k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.36M
Fixed assets
€21k▼ 35.2%
Current assets
€1.34M▲ 1,160%
Equity and liabilities €1.36M
Equity
€19k▼ 32.6%
Debt
€1.34M▲ 1,122%
The debt ratio rises from 79.2% to 98.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€28k▲
2023 · €-726
Cash flow
€-4k▼
2023 · €-1k
Solvency
1.4%▼
2023 · 20.8%
Current ratio
1.32▼
2023 · 4.89
Quick ratio
0.04▼
2023 · 4.89
Debt / equity
69.01▲
2023 · 3.81
ROE
-80.3%▼
2023 · -44.4%
ROA
-1.1%▲
2023 · -9.2%
Interest coverage
0.87▲
2023 · -3.50
Debt
€1.34M▲
2023 · €110k
Debt ≤ 1 year
€1.02M▲
2023 · €22k
Debt > 1 year
€323k▲
2023 · €88k
Income taxes
€140▲
2023 · €132
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€139k€1.36M▲
Fixed assets21/28€32k€21k▼
Tangible fixed assets22/27€32k€21k▼
Land and buildings22€6k€5k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€24k€14k▼
Current assets29/58€106k€1.34M▲
Stocks and contracts in progress3-€1.30M
Stocks30/36-€1.30M
Amounts receivable within one year40/41€86k€19k▼
Trade receivables40€4k€14k▲
Other amounts receivable41€81k€5k▼
Cash at bank and in hand54/58€19k€19k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€139k€1.36M▲
Equity10/15€29k€19k▼
Contributions10/11€12k€19k▲
Reserves13€262€262=
Distributable reserves133€262€262=
Profit (loss) carried forward14€16k€580▼
Amounts payable17/49€110k€1.34M▲
Amounts payable after more than one year17€88k€323k▲
Financial debts170/4€88k€323k▲
Amounts payable within one year42/48€22k€1.02M▲
Current portion of amounts payable after more than one year42€8k€972k▲
Trade debts44€3k€38k▲
Suppliers440/4€3k€38k▲
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€8k€1k▼
Remuneration and social security454/9€3k€6k▲
Other amounts payable47/48-€1k
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€743€6k▲
Non-recurring operating charges66A€673€0▼
Gross operating margin9900€690€33k▲
Operating profit (loss)9901€-13k€16k▲
Financial income75/76B€52€46▼
Recurring financial income75€52€46▼
Financial charges65/66B€208€32k▲
Recurring financial charges65€208€32k▲
Profit (loss) for the period before taxes9903€-13k€-15k▼
Income taxes67/77€132€140▲
Profit (loss) for the period9904€-13k€-16k▼
Profit (loss) for the period to be appropriated9905€-13k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€580▼
Profit (loss) brought forward from the previous period14P€29k€16k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 4.89
Current ratio from 1.97 to 4.89; short-term debt falls from €27k to €22k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €19k ▲170%
Operating result €26k, net result €19k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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 2018
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.
Mercatorstraat 208A9100 Sint-NiklaasGround area
274 m²
Building footprint
215 m²
Volume, LiDAR
1,371 m³
Parcel 46443E0001/00F004, Flanders · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
OKU Architecten
since 20182.278.868.906
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46443E0001/00F004 | Flanders | 274 m² | 1 · 215 m² | 12.7 m · 2 fl. |
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
2022 to 2024 · 3 entries · 727 EUR awarded · 858 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 78 EUR | 78 EUR |
| 2023 | 1 | 237 EUR | 368 EUR |
| 2022 | 1 | 412 EUR | 412 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,320. 4,422 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-08-2018
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:oku.architecten@gmail.com