CAGRO EXPRESS

Active

Private limited companyfounded 20233 yrs activeAuguste Reyerslaan 137-147, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0800.517.244

The computed 12-month bankruptcy probability of CAGRO EXPRESS is 3.8% (moderate). The 2025 annual accounts show equity of €1k and a net result of €7k. Equity is growing by ~197.3% per year across the filed fiscal years. Its solvency ranks better than 25% of 18237 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

50 / 100

Fair

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

Axes · tick = 2024

Profitability94▲+23

Solvency29▲+16

Growth78=

Track record94

Bankruptcy probability, 12 months

3.8% Moderate

0%0.5%1.5%4%10%≥ 25%

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.

+raises risk○neutral

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

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 18237 sector peers (2025).

NBB · sector comparison

Position among 18237 sector peers

Solvency

better than 25%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 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 · 3 filings

Deviation from the deadline

2025

46 d late

2024

31 d late

2023

92 d late

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 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

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€7k▼ 53.9%

2024 · €14k

2023: €-22k 2024: €14k

2023 → 2025

Working capital

€-17k

2024 · €16k

2023: €-421 2024: €16k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€-19k-€-5k▲ 73.0%€1k

Operating result€-22k-€2k€12k▲ 692%

Net result€-22k-€14k€7k▼ 53.9%

Result per fiscal year

Operating resultNet result

The operating result has risen two years in a row; 2025 is 692% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €33k

57.5%

42.5%

Fixed assets €19k▼ 12.6%

Current assets €14k▼ 35.2%

Equity and liabilities €33k

96.1%

Equity €1k

Debt €31k

Debt finances 96.1% of the balance-sheet total.

Key figures and ratios

2025 value · change against 2024

EBITDA

€15k▲

2024 · €4k

Cash flow

€9k▼

2024 · €17k

Solvency

3.9%▲

2024 · -12.3%

Current ratio

0.44▼

2024 · 4.35

Quick ratio

0.22▼

2024 · 0.60

Debt / equity

24.38▲

2024 · -9.15

ROE

508.8%

ROA

20.0%▼

2024 · 33.1%

Interest coverage

34.91▲

2024 · 2.52

Debt

€31k▼

2024 · €48k

Debt ≤ 1 year

€31k▲

2024 · €5k

Income taxes

€5k

Staff costs

€8k▲

2024 · €53

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€43k€33k▼

Fixed assets21/28€21k€19k▼

Tangible fixed assets22/27€11k€8k▼

Furniture and vehicles24€11k€8k▼

Financial fixed assets28€11k€11k=

Current assets29/58€21k€14k▼

Stocks and contracts in progress3€18k€7k▼

Stocks30/36€18k€7k▼

Amounts receivable within one year40/41€1k-

Trade receivables40€915-

Other amounts receivable41€391-

Cash at bank and in hand54/58€959€7k▲

Deferred charges and accrued income490/1€698-

Equity and liabilities

Total equity and liabilities10/49€43k€33k▼

Equity10/15€-5k€1k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€-8k€-2k▲

Amounts payable17/49€48k€31k▼

Amounts payable after more than one year17€43k-

Financial debts170/4€43k-

Amounts payable within one year42/48€5k€31k▲

Trade debts44€4k€6k▲

Suppliers440/4€4k€6k▲

Taxes, remuneration and social security45-€4k

Taxes450/3-€4k

Other amounts payable47/48€1k€21k▲

Income statement Code20242025

Remuneration, social security and pensions62€53€8k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=

Other operating charges640/8-€396

Gross operating margin9900€4k€23k▲

Operating profit (loss)9901€2k€12k▲

Financial income75/76B€14k-

Recurring financial income75€14k-

Financial charges65/66B€2k€426▼

Recurring financial charges65€2k€426▼

Profit (loss) for the period before taxes9903€14k€12k▼

Income taxes67/77-€5k

Profit (loss) for the period9904€14k€7k▼

Profit (loss) for the period to be appropriated9905€14k€7k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-8k€-2k▲

Profit (loss) brought forward from the previous period14P€-22k€-8k▲

The notes to these accounts (5 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 5Financial 2Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

15-09

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 46 days late

2025

31-08

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 31 days late

2024

31-12

Financial Back to profitnet €14k

Net result €14k after one loss-making year.

31-12

Financial Liquidity quadruplescurrent ratio 4.35

Current ratio from 0.97 to 4.35; short-term debt falls from €13k to €5k.

31-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 92 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, Schaarbeek · 1 establishment unit since 2023

establishment The establishment unit 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.

Auguste Reyerslaan 137-1471030 Schaarbeek

Ground area

732 m²

Building footprint

453 m²

Volume, LiDAR

9,891 m³

Parcel 21905C0149/00E014, Brussels · tallest building 29.1 m, ±8 floors. Linked by address, not a title deed.

1 establishment unit

Auguste Reyerslaan 137-147, 1030 Schaarbeek

Retail trade

since 20232.353.716.183

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21905C0149/00E014	Brussels	732 m²	1 · 453 m²	29.1 m · 8 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Schaarbeek2.353.716.183

1 permission

Toelating · Detailhandel · since 25-01-2024

Similar companies · same sector, comparable size

MAMOUT

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Scherpenheuvel-Zichem · Eq €1k

RR-ICE MARKET

BE 0713.504.086

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Of 10,524 companies in sector 47110 we hold annual accounts for 5,860. 996 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded06-04-2023

Fiscal year end31-12

Activities, NACEBEL

47110Non-specialised retail sale with food, beverages or tobacco predominating

47112Retail trade

47113Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 3 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.