Financials
- Fiscal year
- 2025
- Total assets
- €89,080
- Profit
- €1,422
- Solvency
- 90.0%
Total assets▼ 24.4%
Net result
20192025
BAGOFIL
ActiveSummary
BAGOFIL has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80,146 and a net result of €1,422. Equity is growing by ~22.4% per year across the filed fiscal years. Its solvency ranks better than 88% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
Size
€89,080total assets 2025
- Equity
- €80,146
- Profit
- €1,422
Turnover not published (abridged schema)
Structure
Accounts filed 10 d late0 of 3 deeds read
Why 87- Liquidity: current ratio 12.05- Figures for FY 2025 (filed 10-11-2025)+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Founded in 1990Show the evidence
Checked score
Score 2025
87
/ 100
Excellent
Probability in this band: under 0.55%
Better than 62% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100+8
equity 90.0% of total assets
Liquidity
100+28
short-term debt 8.3%
Profitability
41-28
return on assets 1.6%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 12 months
11-2025: 0.4%highest value
12-2025: 0.2%▼ -58.2% vs 11-2025lowest value
01-2026: 0.2%● 0.0% vs 12-2025lowest value
02-2026: 0.2%● 0.0% vs 01-2026lowest value
03-2026: 0.2%● 0.0% vs 02-2026lowest value
04-2026: 0.2%● 0.0% vs 03-2026lowest value
05-2026: 0.2%● 0.0% vs 04-2026lowest value
06-2026: 0.2%▲ +0.5% vs 05-2026
07-2026: 0.2%▲ +7.0% vs 06-2026
08-2026: 0.2%▼ -2.5% vs 07-2026
09-2026: 0.2%▲ +12.8% vs 08-2026
10-2026: 0.3%▲ +42.7% vs 09-2026
- Liquidity: current ratio 12.05 raises the probability
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
- Figures for FY 2025 (filed 10-11-2025) raises the probability
- Founded in 1990 lowers the probability for this profile
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 12.05 against 3.1 in 2024; short-term debt: 8.3% of total assets), and 10% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 86%, liquidity 97%, profitability 20%, growth against the median 45%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 10-11-2025, 10 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
10 d late
2024
29 d late
2023
29 d late
2022
8 d late
2021
25 d late
2020
132 d late
2019
29 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 37 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 25 November (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close02-10-2026 today31-10-2026 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet €1,422 ▼90.3%
- Liquidity quadruplescurrent ratio 12.05
Key points
By topic
Timeline
- Events
- 14
- Since
- 2016
- Next accounts
- by 31-10-2026
- 10-11-2025Annual accounts filed
- 31-03-2025Weakest financial year
- 31-03-2025Liquidity quadruples
Company details
- Sites
- 1
- Legal form
- Private limited company (pre-2019)
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 07-02-1990
- Year ends
- 31-03
- Peppol
- Not found in the Peppol directory
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