Bagins
ActiveBagins has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €-13k. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 79% of 4610 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-60
Solvency90▼-10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.85 against 3.38 in 2024; short-term debt: 35% and cash: 89.3% of total assets), and 35% 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.
+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 · 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 2025Solvency, return and age of the figures
Solvency
65%
Return on assets
-9.1%
Age of the figures
9 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 30-06-2026, 31 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
31 d early
2024
62 d late
2023
33 d early
2022
45 d early
2021
33 d early
2020
2 d early
2019
59 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€95k▼ 12.3%
2024 · €109k
2019: €5k
2020: €687
2021: €48k
2022: €66k
2023: €87k
2024: €109k
2019 → 2025
Total assets
€147k▲ 2.2%
2024 · €144k
2019: €5k
2020: €58k
2021: €127k
2022: €88k
2023: €120k
2024: €144k
2019 → 2025
Net result
€-13k
2024 · €22k
2019: €-1k
2020: €-4k
2021: €47k
2022: €19k
2023: €21k
2024: €22k
2019 → 2025
Working capital
€95k▲ 14.0%
2024 · €83k
2020: €25k
2021: €22k
2022: €41k
2023: €62k
2024: €83k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€66k▲ 38.9%€87k▲ 31.4%€109k▲ 24.8%€95k▼ 12.3%
Operating result€57k-€25k▼ 57.0%€29k▲ 17.6%€30k▲ 4.5%€-15k
Net result€47k-€19k▼ 60.6%€21k▲ 12.4%€22k▲ 3.7%€-13k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €15k after €30k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €147k
Fixed assets
€363▼ 98.6%
Current assets
€146k▲ 23.8%
Equity and liabilities €147k
Equity
€95k▼ 12.3%
Debt
€51k▲ 47.1%
The debt ratio rises from 24.3% to 35.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
65.0%▼
2024 · 75.7%
Current ratio
2.85▼
2024 · 3.38
Quick ratio
2.85▼
2024 · 3.38
Debt / equity
0.54▲
2024 · 0.32
ROE
-14.0%▼
2024 · 19.9%
ROA
-9.1%▼
2024 · 15.0%
Debt
€51k▲
2024 · €35k
Debt ≤ 1 year
€51k▲
2024 · €35k
Income taxes
€10▼
2024 · €8k
Staff costs
€382k▲
2024 · €272k
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€144k€147k▲
Fixed assets21/28€25k€363▼
Financial fixed assets28€25k€363▼
Current assets29/58€118k€146k▲
Amounts receivable within one year40/41€3k€14k▲
Trade receivables40€2k€2k▼
Other amounts receivable41€2k€13k▲
Cash at bank and in hand54/58€115k€131k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€144k€147k▲
Equity10/15€109k€95k▼
Contributions10/11€6k€6k=
Reserves13€102k€89k▼
Distributable reserves133€102k€89k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€35k€51k▲
Amounts payable within one year42/48€35k€51k▲
Trade debts44€7k€13k▲
Suppliers440/4€7k€13k▲
Taxes, remuneration and social security45€28k€38k▲
Taxes450/3€41€313▲
Remuneration and social security454/9€28k€38k▲
Income statement
Code20242025
Remuneration, social security and pensions62€272k€382k▲
Other operating charges640/8€428€572▲
Gross operating margin9900€302k€368k▲
Operating profit (loss)9901€30k€-15k▼
Financial income75/76B-€2k
Recurring financial income75-€2k
Financial charges65/66B€252€255▲
Recurring financial charges65€252€255▲
Profit (loss) for the period before taxes9903€30k€-13k▼
Income taxes67/77€8k€10▼
Profit (loss) for the period9904€22k€-13k▼
Profit (loss) for the period to be appropriated9905€22k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€-13k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€81k€13k▼
Transfer to equity691/2€102k€0▼
To other reserves6921€102k€0▼
The notes to these accounts (5 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-13k ▼162%
Net result drops to €-13k, the lowest in the series.
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 62 days late
2024
31-12
Financial
Equity above €100kEq €109k ▲24.8%
4 profitable years in a row build equity to €109k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 2.97
Current ratio from 1.28 to 2.97; short-term debt falls from €79k to €21k.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €47k
Net result €47k after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Willebroek · 1 establishment unit since 2019
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.
Kasteelstraat 132830 WillebroekGround area
710 m²
Building footprint
113 m²
Volume, LiDAR
934 m³
Parcel 12004B0041/00C000, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bagins
since 20192.290.232.455
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12004B0041/00C000 | Flanders | 710 m² | 1 · 113 m² | 10.7 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 8 entries · 833,606 EUR awarded · 831,436 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 270,475 EUR | 269,883 EUR |
| 2024 | 2 | 217,712 EUR | 217,111 EUR |
| 2023 | 2 | 206,314 EUR | 205,337 EUR |
| 2022 | 1 | 139,105 EUR | 139,105 EUR |
Schemes
Dienstencheques
Opleidingsfonds dienstencheques
Recognitions: source did not answer, try again later.
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Of 810 companies in sector 96910 we hold annual accounts for 618. 486 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-03-2019
Fiscal year end31-12
Activities, NACEBEL
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.