A & C STRAGIER
ActiveSummary
The computed 12-month bankruptcy probability of A & C STRAGIER is 1.9% (moderate). The 2025 annual accounts show negative equity (€-152k) and a net result of €15k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 13% of 10359 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-5
Solvency23=
Growth78=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 9.09 against 7.67 in 2024; short-term debt: 9.6% and cash: 0.4% of total assets), but equity is negative.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
-1.9%
Return on assets
0.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 10359 sector peers (2025).
NBB · sector comparisonPosition among 10359 sector peers
Solvency
better than 13%
← 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 24-07-2026, 7 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
7 d early
2024
18 d late
2023
54 d early
2022
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k▼ 65.5%
2024 · €42k
2022: €-410k
2023: €1k
2024: €42k
2022 → 2025
Working capital
€6.36M▼ 0.6%
2024 · €6.40M
2022: €7.14M
2023: €6.73M
2024: €6.40M
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-210k-€-209k▲ 0.7%€-167k▲ 20.2%€-152k▲ 8.7%
Operating result€-360k-€54k€99k▲ 82.1%€78k▼ 21.4%
Net result€-410k-€1k€42k▲ 2,954%€15k▼ 65.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.22M
Fixed assets
€1.08M ▼ 6.2%
Current assets
€7.14M ▼ 2.9%
Key figures and ratios
EBITDA
€275k▲
2024 · €275k
Cash flow
€212k▼
2024 · €218k
Solvency
-1.9%▲
2024 · -2.0%
Current ratio
9.09▲
2024 · 7.67
Quick ratio
0.20▼
2024 · 0.26
Debt to equity
-54.97▼
2024 · -51.96
ROA
0.2%▼
2024 · 0.5%
Interest coverage
4.56▼
2024 · 5.06
Debt
€8.38M▼
2024 · €8.67M
Debt ≤ 1 year
€786k▼
2024 · €958k
Debt > 1 year
€7.59M▼
2024 · €7.71M
Income taxes
€3k▲
2024 · €3k
Staff costs
€515k▼
2024 · €612k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8.51M€8.22M▼
Formation expenses20€0€0=
Fixed assets21/28€1.15M€1.08M▼
Intangible fixed assets21€977k€941k▼
Tangible fixed assets22/27€174k€138k▼
Land and buildings22€0€0=
Plant, machinery and equipment23€66k€48k▼
Furniture and vehicles24€107k€90k▼
Financial fixed assets28€572€572=
Current assets29/58€7.35M€7.14M▼
Stocks and contracts in progress3€7.10M€6.99M▼
Stocks30/36€7.10M€6.99M▼
Amounts receivable within one year40/41€62k€83k▲
Trade receivables40€60k€68k▲
Other amounts receivable41€2k€15k▲
Cash at bank and in hand54/58€153k€36k▼
Deferred charges and accrued income490/1€37k€40k▲
Equity and liabilities
Total equity and liabilities10/49€8.51M€8.22M▼
Equity10/15€-167k€-152k▲
Contributions10/11€200k€200k=
Profit (loss) carried forward14€-367k€-352k▲
Amounts payable17/49€8.67M€8.38M▼
Amounts payable after more than one year17€7.71M€7.59M▼
Financial debts170/4€326k€577k▲
Other amounts payable178/9€7.39M€7.01M▼
Amounts payable within one year42/48€958k€786k▼
Current portion of amounts payable after more than one year42€109k€111k▲
Financial debts43€451k€350k▼
Credit institutions430/8€451k€350k▼
Trade debts44€284k€213k▼
Suppliers440/4€284k€213k▼
Advances received on contracts in progress46€34k€36k▲
Taxes, remuneration and social security45€80k€76k▼
Taxes450/3€68k€71k▲
Remuneration and social security454/9€12k€5k▼
Accrued charges and deferred income492/3€297€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62€612k€515k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€176k€198k▲
Other operating charges640/8€18k€14k▼
Gross operating margin9900€905k€804k▼
Operating profit (loss)9901€99k€78k▼
Financial income75/76B€327€858▲
Recurring financial income75€327€858▲
Financial charges65/66B€54k€60k▲
Recurring financial charges65€54k€60k▲
Profit (loss) for the period before taxes9903€45k€18k▼
Income taxes67/77€3k€3k▲
Profit (loss) for the period9904€42k€15k▼
Profit (loss) for the period to be appropriated9905€42k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-367k€-352k▲
Profit (loss) brought forward from the previous period14P€-409k€-367k▲
Social balance
Average headcount (FTE)908712.611.9▼
The notes to these accounts (13 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 18 days late
2024
31-12
Financial
Highest result since 2022net €42k ▲2954%
Operating result €99k, net result €42k, both a record.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Walhain · 1 establishment unit since 2021
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.
Le Weya(NSV) 11457 WalhainGround area
2,408 m²
Building footprint
602 m²
Volume, LiDAR
4,338 m³
Parcel 25071D0310/00D000, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A & C STRAGIER
since 20212.320.460.427
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25071D0310/00D000 | Wallonia | 2,408 m² | 1 · 602 m² | 9.1 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.
Similar companies · same sector, comparable size
MODA
BE 0896.018.197
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BE 1001.684.356
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EXPRESSO BELGIUM
BE 0549.921.209
Mechelen · FTE 7.1
A - MODE 2
BE 0649.889.013
Brugge · FTE 22.2
STOFFEN VERKEMPINCK
BE 0878.219.588
Oostende · FTE 4.8
Of 263 companies in sector 47511 we hold annual accounts for 98. 10 are within a factor 10 of this headcount. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-08-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47511Retail trade
46411Wholesale trade
47512Retail sale of household textiles and bedding
47519Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.