RiOak 4
ActiveRiOak 4 is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €20k and a net result of €-5k. Equity is shrinking by ~4.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 7% of 5495 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 5495 sector peers (2025).
NBB · sector comparisonPosition among 5495 sector peers
Solvency
better than 7%
← weakest
strongest →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
8 d early
2024
72 d early
2023
70 d late
2022
91 d late
2021
29 d late
2020
31 d late
2019
122 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€20k
2024 · €-57k
2018: €-48k
2019: €-52k
2020: €-61k
2021: €-73k
2022: €-68k
2023: €-143k
2024: €-57k
2018 → 2025
Net result
€-5k▼ 10.4%
2024 · €-5k
2018: €-54k
2019: €-5k
2020: €-8k
2021: €-12k
2022: €5k
2023: €-75k
2024: €-5k
2018 → 2025
Total assets
€883k▲ 965%
2024 · €83k
2018: €65k
2019: €72k
2020: €105k
2021: €104k
2022: €118k
2023: €8k
2024: €83k
2018 → 2025
Solvency
2.2%▲ 70.6pp
2024 · -68.4%
2018: -73.8%
2019: -72.8%
2020: -58.2%
2021: -70.0%
2022: -57.4%
2023: -1882.2%
2024: -68.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-73k-€-68k▲ 6.9%€-143k▼ 110%€-57k▲ 60.3%€20k
Operating result€-11k-€5k€-75k€-4k▲ 94.8%€-5k▼ 31.1%
Net result€-12k-€5k€-75k€-5k▲ 93.8%€-5k▼ 10.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €4k in 2024; the loss grows.
Balance-sheet composition
Equity and liabilities €883k
Equity
€20k
Debt
€863k
Debt finances 97.8% of the balance-sheet total.
Key figures and ratios
Solvency
2.2%▲
2024 · -68.4%
ROE
-26.4%▼
2024 · 8.2%
ROA
-0.6%▲
2024 · -5.6%
Debt
€863k▲
2024 · €140k
Debt ≤ 1 year
€863k▲
2024 · €140k
Income taxes
€0▼
2024 · €667
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€83k€883k▲
Fixed assets21/28€80k€0▼
Tangible fixed assets22/27€80k€0▼
Furniture and vehicles24€1k€0▼
Assets under construction and advance payments27€78k€0▼
Financial fixed assets28€0-
Current assets29/58€3k€883k▲
Stocks and contracts in progress3-€586k
Stocks30/36-€586k
Amounts receivable within one year40/41€3k€294k▲
Trade receivables40€2k€219k▲
Other amounts receivable41€533€75k▲
Cash at bank and in hand54/58€0€3k▲
Deferred charges and accrued income490/1€472€0▼
Equity and liabilities
Total equity and liabilities10/49€83k€883k▲
Equity10/15€-57k€20k▲
Contributions10/11€19k€100k▲
Profit (loss) carried forward14€-75k€-80k▼
Amounts payable17/49€140k€863k▲
Amounts payable within one year42/48€140k€863k▲
Financial debts43€45€0▼
Credit institutions430/8€45€0▼
Trade debts44€2k€202k▲
Suppliers440/4€2k€202k▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€137k€661k▲
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€138€0▼
Other operating charges640/8€609€688▲
Non-recurring operating charges66A-€253
Gross operating margin9900€-3k€-4k▼
Operating profit (loss)9901€-4k€-5k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€105€45▼
Recurring financial charges65€105€45▼
Profit (loss) for the period before taxes9903€-4k€-5k▼
Income taxes67/77€667€0▼
Profit (loss) for the period9904€-5k€-5k▼
Profit (loss) for the period to be appropriated9905€-5k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-75k€-80k▼
Profit (loss) brought forward from the previous period14P€-71k€-75k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (8 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 44current ratio 1.02
Current ratio from 0.02 to 1.02.
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
2023
31-12
Financial
Weakest financial yearnet €-75k ▼1592%
Net result drops to €-75k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 91 days late
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after 4 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
04-07
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
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-06-2025
Resigned as Director
Location & real-estate footprint
Registered office, Herentals · 1 establishment unit since 2017
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.
Nieuwstraat(HRT) 142200 HerentalsGround area
277 m²
Building footprint
197 m²
Volume, LiDAR
1,182 m³
Parcel 13011F0264/00N003, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cambia
since 20172.269.265.609
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13011F0264/00N003 | Flanders | 277 m² | 1 · 197 m² | 11.8 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.
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 7,323 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-10-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.