O.K.A.-L
ActiveO.K.A.-L has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85k and a net result of €38k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 48% of 631 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+4
Solvency77▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.34 in 2024; short-term debt: 48.1% and cash: 55.9% of total assets), and 48.1% 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.9%
Return on assets
23.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €85k
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 29-07-2026, 2 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
2 d early
2024
19 d late
2023
48 d early
2022
6 d early
2021
125 d early
2020
22 d early
2019
84 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€38k▼ 0.7%
2024 · €38k
2018: €18k
2019: €22k
2020: €2k
2021: €7k
2022: €10k
2023: €48k
2024: €38k
2018 → 2025
Working capital
€46k▲ 30.2%
2024 · €36k
2018: €28k
2019: €55k
2020: €60k
2021: €71k
2022: €92k
2023: €3k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€95k-€104k▲ 9.8%€55k▼ 47.3%€75k▲ 36.4%€85k▲ 12.5%
Operating result€11k-€13k▲ 19.4%€19k▲ 47.8%€16k▼ 18.7%€30k▲ 89.3%
Net result€7k-€10k▲ 50.4%€48k▲ 380%€38k▼ 20.7%€38k▼ 0.7%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 89% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163k
Fixed assets
€38k▼ 27.7%
Current assets
€125k▼ 11.1%
Equity and liabilities €163k
Equity
€85k▲ 12.5%
Debt
€78k▼ 33.5%
The debt ratio falls from 61.1% to 48.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▲
2024 · €30k
Cash flow
€53k▲
2024 · €53k
Solvency
51.9%▲
2024 · 38.9%
Current ratio
1.59▲
2024 · 1.34
Quick ratio
1.59▲
2024 · 1.34
Debt / equity
0.93▼
2024 · 1.57
ROE
45.1%▼
2024 · 51.1%
ROA
23.4%▲
2024 · 19.9%
Interest coverage
37.51▼
2024 · 224.42
Debt
€78k▼
2024 · €118k
Debt ≤ 1 year
€78k▼
2024 · €105k
Income taxes
€13k▲
2024 · €8k
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€193k€163k▼
Fixed assets21/28€53k€38k▼
Intangible fixed assets21€14k€219▼
Tangible fixed assets22/27€1k€488▼
Furniture and vehicles24€1k€488▼
Financial fixed assets28€38k€38k=
Current assets29/58€140k€125k▼
Amounts receivable within one year40/41€33k-
Trade receivables40€33k-
Cash at bank and in hand54/58€100k€91k▼
Deferred charges and accrued income490/1€8k€34k▲
Equity and liabilities
Total equity and liabilities10/49€193k€163k▼
Equity10/15€75k€85k▲
Contributions10/11€8k€8k=
Outside capital11€8k€8k=
Other1109/19€8k€8k=
Reserves13€67k€76k▲
Distributable reserves133€67k€76k▲
Amounts payable17/49€118k€78k▼
Amounts payable after more than one year17€13k-
Other amounts payable178/9€13k-
Amounts payable within one year42/48€105k€78k▼
Trade debts44-€32
Suppliers440/4-€32
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48€101k€72k▼
Income statement
Code20242025
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▲
Other operating charges640/8€875€649▼
Gross operating margin9900€31k€45k▲
Operating profit (loss)9901€16k€30k▲
Financial income75/76B€31k€23k▼
Recurring financial income75€31k€23k▼
Financial charges65/66B€135€1k▲
Recurring financial charges65€135€1k▲
Profit (loss) for the period before taxes9903€47k€51k▲
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€38k€38k▼
Profit (loss) for the period to be appropriated9905€38k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€38k▼
Transfer from equity791/2€18k€29k▲
Transfer to equity691/2€38k€38k▼
To other reserves6921€38k€38k▼
Profit to be distributed694/7€18k€29k▲
Return on contributions (dividend)694€18k€29k▲
The notes to these accounts (9 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 19 days late
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €48k ▲380%
Net result €48k, the highest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €104k ▲9.8%
5 profitable years in a row build equity to €104k.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €2k ▼92.7%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
08-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Courcelles · 1 establishment unit since 2016
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.
Rue des Claires Fontaines(CO) 886180 CourcellesGround area
880 m²
Building footprint
157 m²
Parcel 52015B1623/00G000, Wallonia. Linked by address, not a title deed.
1 establishment unit
O.K.A.-L
since 20162.251.462.050
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52015B1623/00G000 | Wallonia | 880 m² | 1 · 156 m² | - |
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 12,693 companies in sector 86951 we hold annual accounts for 2,137. 1,889 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2016
Fiscal year end31-12
Activities, NACEBEL
86905Human health activities
86951Physiotherapy
85510Sports and recreation education
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.