BLACK OAK · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of BLACK OAK is 3.3% (moderate). The 2024 annual accounts show equity of €935k and a net result of €-56k. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 11 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 2 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 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	30-06-2025	31 d early	2025-00198613
31-12-2023	31-07-2024	17-07-2024	14 d early	2024-00253258

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

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

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

3.3% Moderate

0%0,5%1,5%4%10%≥25%

Young company +No NACE activity registered +Annual accounts: weaker financial profile +

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

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€-56k+94.0%

Working capital€206k

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 30-06-2025 with the NBB · fiscal year 2024 · verkort

Operating resultNet result

EBITDA

€387k

-15.1% 23-24

Net profit

€-56k

+94.0% 23-24

Cash flow

€175k

-6.9% 23-24

Total assets

€6.57M

-0.9% 23-24

Equity

€935k

- 23-24

Working capital

€206k

- 23-24

Debt

€5.63M

-23.6% 23-24

Debt ≤ 1y

€288k

-84.0% 23-24

Debt > 1y

€5.32M

-4.1% 23-24

Current ratio

1.72

+849.3% 23-24

Quick ratio

1.72

+849.3% 23-24

Solvency

14.2%

- 23-24

Debt / equity

6.02

- 23-24

ROE

-6.0%

- 23-24

ROA

-0.9%

+93.9% 23-24

Interest coverage

1.82

+7.3% 23-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	verkort
Revenue	-
EBITDA	€387k
Net profit	€-56k
Cash flow	€175k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€6.57M
Equity	€935k
Debt	€5.63M
of which ≤ 1y	€288k
of which > 1y	€5.32M
Working capital	€206k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.72
Quick ratio	1.72
Working capital ratio	3.1%
Solvency	14.2%
Debt / equity	6.02
Long-term debt ratio	5.69
Interest coverage	1.82
Gross margin	-
Net margin	-
ROA	-0.9%
ROE	-6.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €6.07M · 92.5% Current assets €494k · 7.5%

Equity & liabilities

Equity €935k · 14.2% Debt €5.63M · 85.8%

Full annual accounts

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

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€6.57M
Fixed assets	21/28	€6.07M
Tangible fixed assets	22/27	€6.07M
Current assets	29/58	€494k
Cash & bank	54/58	€494k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€6.57M
Equity	10/15	€935k
Contributions / capital	10/11	€1.93M
Accumulated profits (losses)	14	€-990k
Amounts payable	17/49	€5.63M
Amounts payable after one year	17	€5.32M
Amounts payable within one year	42/48	€288k
Trade debts payable within one year	44	€1k
Income statement
Gross operating margin	9900	€474k
Operating result	9901	€156k
Financial charges	65	€212k
Result before taxes	9903	€-56k
Net result for the period	9904	€-56k
Result to be appropriated	9905	€-56k

You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

56 / 100 Fair

050100

Computed from 5 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 with Plus.

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Computed by Checked from the NBB filing for FY 2024. 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.

Steenweg Deinze 1549810 Nazareth-De Pinte

Establishment units

1 location

BLACK OAK

Steenweg Deinze 154, 9810 Nazareth-De PinteManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.

since 20222.333.931.945

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

Parcels1

Ground area1.3 ha

Buildings1

Building footprint5,504 m²

Volume (LiDAR)38,368 m³

Tallest building13.6 m · ±2 fl.

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.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44048G0467/00H000	Flanders	1.3 ha	1 · 5,504 m²	13.6 m · 2 fl.

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

All acts · 1 updated 2 years ago

2024

07-08-2024 Publication in the Belgian Official Gazette, Miscellaneous Miscellaneous·Joost EEMAN

Summary: otherNotary: Joost EEMAN · Gent

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

53 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 56

Profitability 0

Solvency 36

Growth 78

Stability 94

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Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameNL

BLACK OAK

Registered office

Steenweg Deinze 154

9810 Nazareth-De Pinte, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.