BluAgency

Active

Private limited companyfounded 20215 yrs activeOnderrichtsstraat 36, 1000 Brussel, BelgiumKBO/BCE: BE 0765.811.040

BluAgency has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €21k. Equity is growing by ~40.7% per year across the filed fiscal years. Its solvency ranks better than 73% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

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Checked score

Score 2025

90 / 100

Excellent

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+4

Solvency100=

Growth78▲+26

Track record94

Bankruptcy probability, 12 months

1.0% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 4.03 against 4.51 in 2024; short-term debt: 22.5% and cash: 78.4% of total assets), and 22.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

2 d early

2024

3 d early

2023

1 d early

2022

3 d late

← before the deadline after the deadline →

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.

Companies Code · seven months

Position in the running window

31-03-2026 close20-09-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€65k▲ 47.7%

2024 · €44k

2022: €17k 2023: €32k 2024: €44k

2022 → 2025

Total assets

€83k▲ 50.0%

2024 · €56k

2022: €50k 2023: €61k 2024: €56k

2022 → 2025

Net result

€21k▲ 72.8%

2024 · €12k

2022: €17k 2023: €15k 2024: €12k

2022 → 2025

Working capital

€57k▲ 36.9%

2024 · €42k

2022: €111 2023: €22k 2024: €42k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€17k-€32k▲ 87.4%€44k▲ 38.2%€65k▲ 47.7%

Operating result€25k-€22k▼ 11.8%€19k▼ 15.9%€31k▲ 63.9%

Net result€17k-€15k▼ 12.6%€12k▼ 18.2%€21k▲ 72.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 64% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €83k

90.8%

Fixed assets €8k▲ 261%

Current assets €76k▲ 41.7%

Equity and liabilities €83k

77.5%

22.5%

Equity €65k▲ 47.7%

Debt €19k▲ 58.4%

The debt ratio rises from 21.3% to 22.5%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€34k▲

2024 · €26k

Cash flow

€25k▲

2024 · €20k

Solvency

77.5%▼

2024 · 78.7%

Current ratio

4.03▼

2024 · 4.51

Quick ratio

4.03▼

2024 · 4.51

Debt / equity

0.29▲

2024 · 0.27

ROE

32.3%▲

2024 · 27.6%

ROA

25.0%▲

2024 · 21.7%

Interest coverage

56.50▼

2024 · 175.99

Debt

€19k▲

2024 · €12k

Debt ≤ 1 year

€19k▲

2024 · €12k

Income taxes

€9k▲

2024 · €7k

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€56k€83k▲

Fixed assets21/28€2k€8k▲

Tangible fixed assets22/27€1k€7k▲

Furniture and vehicles24€1k€7k▲

Financial fixed assets28€720€720=

Current assets29/58€54k€76k▲

Amounts receivable within one year40/41€30k€10k▼

Trade receivables40€29k€10k▼

Other amounts receivable41€1k€88▼

Cash at bank and in hand54/58€23k€65k▲

Equity and liabilities

Total equity and liabilities10/49€56k€83k▲

Equity10/15€44k€65k▲

Reserves13€44k€65k▲

Distributable reserves133€44k€65k▲

Amounts payable17/49€12k€19k▲

Amounts payable within one year42/48€12k€19k▲

Financial debts43€13€17▲

Credit institutions430/8€13€17▲

Trade debts44€573€2k▲

Suppliers440/4€573€2k▲

Taxes, remuneration and social security45€11k€16k▲

Taxes450/3€11k€16k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€4k▼

Other operating charges640/8€2k€1k▼

Gross operating margin9900€28k€36k▲

Operating profit (loss)9901€19k€31k▲

Financial income75/76B€29€5▼

Recurring financial income75€29€5▼

Financial charges65/66B€150€610▲

Recurring financial charges65€150€610▲

Profit (loss) for the period before taxes9903€19k€30k▲

Income taxes67/77€7k€9k▲

Profit (loss) for the period9904€12k€21k▲

Profit (loss) for the period to be appropriated9905€12k€21k▲

Appropriation of the result

Profit (loss) to be appropriated9906€12k€21k▲

Transfer to equity691/2€12k€21k▲

To other reserves6921€12k€21k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

Next filing, fiscal year 2026, expected by 31-10-2026

2025

29-10

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

31-03

Financial Highest result since 2022net €21k ▲72.8%

Operating result €31k, net result €21k, both a record.

2024

28-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

31-03

Financial Weakest financial yearnet €12k ▼18.2%

Net result drops to €12k, the lowest in the series; recovery starts the following year.

31-03

Financial Liquidity triplescurrent ratio 4.51

Current ratio from 1.74 to 4.51; short-term debt falls from €30k to €12k.

2023

30-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2022

03-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 3 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, Brussel · 2 establishment units since 2021

establishment All 2 establishment units on the map

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.

Onderrichtsstraat 361000 Brussel

Ground area

5,963 m²

Building footprint

4,077 m²

Volume, LiDAR

89,471 m³

3 parcels, Brussels · tallest building 45.8 m, ±8 floors. Linked by address, not a title deed.

2 establishment units

Legerlaan 99, 1040 EtterbeekComputer programming, consultancy and related activities

since 20212.315.384.555

Louizalaan 231, 1050 Elsene

Video and film production, excluding cinema and television films

since 20212.323.136.142

3 parcels

Brussels 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21807G0131/00T000	Brussels	5,672 m²	1 · 3,878 m²	45.8 m · 8 fl.
21362B0287/00Y002	Brussels	154 m²	1 · 78 m²	19.3 m · 5 fl.
21803C1118/00V000	Brussels	137 m²	1 · 121 m²	19.2 m · 5 fl.