AGORAZ
ActiveAGORAZ has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €66k and a net result of €-67k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 16% of 4626 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-43
Solvency18▼-40
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.0 against 1.39 in 2023), and 90.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
9.8%
Return on assets
-9.9%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 4626 sector peers (2024).
NBB · sector comparisonPosition among 4626 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
61 d late
2022
31 d late
2021
31 d late
2020
89 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-67k
2023 · €11k
2018: €20k
2019: €37k
2020: €8k
2021: €6k
2022: €5k
2023: €11k
2018 → 2024
Working capital
€2k▼ 98.5%
2023 · €114k
2018: €117k
2019: €167k
2020: €78k
2021: €84k
2022: €97k
2023: €114k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€110k-€117k▲ 5.8%€122k▲ 4.3%€133k▲ 9.3%€66k▼ 50.3%
Operating result€11k-€18k▲ 65.4%€14k▼ 18.5%€24k▲ 67.2%€-60k
Net result€8k-€6k▼ 20.6%€5k▼ 21.8%€11k▲ 125%€-67k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €60k after €24k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €675k
Fixed assets
€203k▲ 943%
Current assets
€472k▲ 17.5%
Equity and liabilities €675k
Equity
€66k▼ 50.3%
Debt
€609k▲ 111%
The debt ratio rises from 68.4% to 90.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-53k▼
2023 · €32k
Cash flow
€-60k▼
2023 · €19k
Solvency
9.8%▼
2023 · 31.6%
Current ratio
1.00▼
2023 · 1.39
Quick ratio
1.00▼
2023 · 1.39
Debt / equity
9.21▲
2023 · 2.17
ROE
-101.1%▼
2023 · 8.5%
ROA
-9.9%▼
2023 · 2.7%
Interest coverage
-6.26▼
2023 · 10.30
Debt
€609k▲
2023 · €288k
Debt ≤ 1 year
€471k▲
2023 · €288k
Debt > 1 year
€139k
Income taxes
€3k▼
2023 · €11k
Staff costs
€386k▼
2023 · €400k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€421k€675k▲
Fixed assets21/28€19k€203k▲
Tangible fixed assets22/27€19k€203k▲
Land and buildings22-€180k
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€926€8k▲
Other tangible fixed assets26€16k€13k▼
Financial fixed assets28€363€363=
Current assets29/58€402k€472k▲
Amounts receivable within one year40/41€298k€419k▲
Trade receivables40€243k€298k▲
Other amounts receivable41€55k€121k▲
Cash at bank and in hand54/58€87k€50k▼
Deferred charges and accrued income490/1€17k€4k▼
Equity and liabilities
Total equity and liabilities10/49€421k€675k▲
Equity10/15€133k€66k▼
Contributions10/11€13k€13k=
Reserves13€85k€85k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€83k€83k=
Profit (loss) carried forward14€36k€-31k▼
Amounts payable17/49€288k€609k▲
Amounts payable after more than one year17-€139k
Financial debts170/4-€139k
Amounts payable within one year42/48€288k€471k▲
Current portion of amounts payable after more than one year42€15k€14k▼
Trade debts44€185k€321k▲
Suppliers440/4€185k€321k▲
Taxes, remuneration and social security45€88k€96k▲
Taxes450/3€40k€41k▲
Remuneration and social security454/9€48k€55k▲
Other amounts payable47/48-€40k
Income statement
Code20232024
Non-recurring operating income76A€13k-
Remuneration, social security and pensions62€400k€386k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€5k€5k▲
Non-recurring operating charges66A€183€70▼
Gross operating margin9900€436k€338k▼
Operating profit (loss)9901€24k€-60k▼
Financial income75/76B€1k€5k▲
Recurring financial income75€1k€5k▲
Financial charges65/66B€3k€8k▲
Recurring financial charges65€3k€8k▲
Profit (loss) for the period before taxes9903€22k€-64k▼
Income taxes67/77€11k€3k▼
Profit (loss) for the period9904€11k€-67k▼
Profit (loss) for the period to be appropriated9905€11k€-67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€-31k▼
Profit (loss) brought forward from the previous period14P€36k€36k=
Transfer to equity691/2€11k-
To other reserves6921€11k-
Social balance
Average headcount (FTE)90875.55.3▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-67k ▼691%
Net result drops to €-67k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Highest result since 2018net €37k ▲83.3%
Operating result €46k, net result €37k, both a record.
31-12
Financial
Equity above €100kEq €102k ▲57.7%
2 profitable years in a row build equity to €102k.
23-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 84 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 59 days late
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, Charleroi · 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 de la Digue 186000 CharleroiGround area
300 m²
Building footprint
141 m²
Volume, LiDAR
678 m³
2 parcels, Wallonia · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AGORAZ
since 20162.253.031.272
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011B0240/00X079 | Wallonia | 166 m² | 1 · 81 m² | - |
| 52011B0240/00M037 | Wallonia | 134 m² | 1 · 60 m² | 13.0 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
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Of 29,889 companies in sector 62200 we hold annual accounts for 18,319. 15,469 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-2016
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.
Contact details
1 entryE-mail:admin@agoraz.be