BAGAGEDRAGER
ActiveBAGAGEDRAGER has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €12k. Equity is shrinking by ~23.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 6956 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
98
/ 100
Excellent▲ +38 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+57
Solvency100=
Growth32=
Stability94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 7.92 against 15.32 in 2024), and 9.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
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
90.8%
Return on assets
10.3%
Age of the figures
8 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
13 d early
2023
1 d late
2022
31 d late
2021
30 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€104k▼ 21.3%
2024 · €132k
2021: €328k
2022: €212k
2023: €158k
2024: €132k
2021 → 2025
Total assets
€115k▼ 18.8%
2024 · €141k
2021: €503k
2022: €316k
2023: €168k
2024: €141k
2021 → 2025
Net result
€12k
2024 · €-26k
2021: €323k
2022: €-116k
2023: €-54k
2024: €-26k
2021 → 2025
Working capital
€73k▼ 43.6%
2024 · €129k
2021: €324k
2022: €181k
2023: €153k
2024: €129k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€328k-€212k▼ 35.4%€158k▼ 25.4%€132k▼ 16.4%€104k▼ 21.3%
Operating result€428k-€-113k€-51k▲ 55.1%€-25k▲ 51.4%€12k
Net result€323k-€-116k€-54k▲ 53.6%€-26k▲ 51.8%€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €25k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€31k▲ 828%
Current assets
€83k▼ 39.6%
Equity and liabilities €115k
Equity
€104k▼ 21.3%
Debt
€11k▲ 16.9%
The debt ratio rises from 6.4% to 9.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€14k▲
2024 · €-23k
Cash flow
€14k▲
2024 · €-24k
Solvency
90.8%▼
2024 · 93.6%
Current ratio
7.92▼
2024 · 15.32
Quick ratio
7.92▼
2024 · 15.32
Debt / equity
0.10▲
2024 · 0.07
ROE
11.4%▲
2024 · -19.6%
ROA
10.3%▲
2024 · -18.4%
Interest coverage
5.59▲
2024 · -8.19
Debt
€11k▲
2024 · €9k
Debt ≤ 1 year
€11k▲
2024 · €9k
Income taxes
€221▼
2024 · €243
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€141k€115k▼
Fixed assets21/28€3k€31k▲
Tangible fixed assets22/27€2k€8k▲
Furniture and vehicles24€2k€8k▲
Financial fixed assets28€1k€24k▲
Current assets29/58€138k€83k▼
Amounts receivable after more than one year29€41k€12k▼
Other amounts receivable291€41k€12k▼
Amounts receivable within one year40/41€26k€49k▲
Trade receivables40€26k€48k▲
Other amounts receivable41-€858
Cash at bank and in hand54/58€70k€20k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€141k€115k▼
Equity10/15€132k€104k▼
Contributions10/11€5k€5k=
Reserves13€127k€99k▼
Distributable reserves133€127k€99k▼
Amounts payable17/49€9k€11k▲
Amounts payable within one year42/48€9k€11k▲
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€337-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€703€1k▲
Gross operating margin9900€-22k€16k▲
Operating profit (loss)9901€-25k€12k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-26k€12k▲
Income taxes67/77€243€221▼
Profit (loss) for the period9904€-26k€12k▲
Profit (loss) for the period to be appropriated9905€-26k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€12k▲
Transfer from equity791/2€26k€40k▲
Transfer to equity691/2-€12k
To other reserves6921-€12k
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
The notes to these accounts (8 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €12k
Net result €12k after 3 loss-making years.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Liquidity times 6current ratio 17.04
Current ratio from 2.74 to 17.04; short-term debt falls from €104k to €10k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-116k ▼136%
Net result drops to €-116k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 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, Deinze · 1 establishment unit since 2020
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.
Sportstraat 229800 DeinzeGround area
1,038 m²
Building footprint
178 m²
Volume, LiDAR
910 m³
Parcel 44054B0423/00H002, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bagagedrager
since 20202.309.850.409
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44054B0423/00H002 | Flanders | 1,038 m² | 1 · 178 m² | 8.2 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.
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Of 13,391 companies in sector 73300 we hold annual accounts for 6,881. 5,574 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2020
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.