O&K · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

O&K is younger than twelve months; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €12k and a net result of €9k. Its solvency ranks better than 49% of 1954 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

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 22-05-2026, 70 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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	22-05-2026	70 d early	2026-00118704

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 2025, 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

This company is younger than 12 months. There is no public track record yet to base a reliable estimate on, so we'd rather not show a number.

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€9k

Working capital€14k

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 22-05-2026 with the NBB · fiscal year 2025 · micro

Sector comparison

Fiscal year 2025 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	51.7%	53.8%	better than 49% of 1954 sector peers
Net result	€9k	€43k	better than 14% of 1954 sector peers
Equity	€12k	€56k	better than 25% of 1955 sector peers
Gross operating margin	€14k	€68k	better than 9% of 1953 sector peers
Total assets	€24k	€133k	better than 5% of 1954 sector peers

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

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€9k
Cash flow	-
Staff costs	-
Income taxes	€4k
Dividends	-
Total assets	€24k
Equity	€12k
Debt	€11k
of which ≤ 1y	€10k
of which > 1y	-
Working capital	€14k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	2.40
Quick ratio	2.40
Working capital ratio	58.3%
Solvency	51.7%
Debt / equity	0.93
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	39.1%
ROE	75.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Equity & liabilities

Equity €12k · 51.7% Debt €11k · 48.3%

Full annual accounts (16 line items)

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

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€24k
Current assets	29/58	€24k
Cash & bank	54/58	€24k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€24k
Equity	10/15	€12k
Contributions / capital	10/11	€3k
Reserves	13	€9k
Amounts payable	17/49	€11k
Amounts payable within one year	42/48	€10k
Income statement
Gross operating margin	9900	€14k
Operating result	9901	€14k
Financial charges	65	€696
Result before taxes	9903	€13k
Income taxes	67/77	€4k
Net result for the period	9904	€9k
Result to be appropriated	9905	€9k

Ratios computed by Checked.

Health barometer

FY 2025 · computed

85 / 100 Excellent

050100

Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in 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.

Collegebaan 25B9090 Merelbeke-Melle

Establishment units

1 location

O&K

Collegebaan 25B, 9090 Merelbeke-MelleActiviteiten van advocaten

since 20252.380.422.263

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

Parcels1

Ground area786 m²

Buildings1

Building footprint118 m²

Volume (LiDAR)860 m³

Tallest building9.1 m · ±3 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%)