EURAGORA
ActiveSummary
EURAGORA has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.66M and a net result of €156k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-10
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 4.66 against 4.3 in 2024; short-term debt: 21% and cash: 9.9% of total assets), and 21.2% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
78.8%
Return on assets
7.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
19 d late
2023
28 d late
2022
29 d late
2021
25 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€156k▼ 47.3%
2024 · €297k
2018: €102k
2019: €106k
2020: €179k
2021: €268k
2022: €289k
2023: €323k
2024: €297k
2018 → 2025
Working capital
€1.62M▲ 10.8%
2024 · €1.46M
2018: €441k
2019: €543k
2020: €713k
2021: €807k
2022: €965k
2023: €1.16M
2024: €1.46M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€884k-€1.03M▲ 16.6%€1.21M▲ 17.5%€1.51M▲ 24.5%€1.66M▲ 10.4%
Operating result€364k-€395k▲ 8.5%€438k▲ 10.9%€456k▲ 3.9%€375k▼ 17.7%
Net result€268k-€289k▲ 7.9%€323k▲ 11.6%€297k▼ 8.1%€156k▼ 47.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.11M
Fixed assets
€44k ▼ 5.6%
Current assets
€2.07M ▲ 8.2%
Equity and liabilities €2.11M
Equity
€1.66M ▲ 10.4%
Debt
€447k ▼ 0.4%
Debt's share of the balance-sheet total falls from 22.9% to 21.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€395k▼
2024 · €474k
Cash flow
€176k▼
2024 · €315k
Current ratio
4.66▲
2024 · 4.30
Quick ratio
3.70▲
2024 · 3.46
Debt to equity
0.27▼
2024 · 0.30
ROE
9.4%▼
2024 · 19.7%
ROA
7.4%▼
2024 · 15.2%
Interest coverage
627.29▲
2024 · 580.84
Debt ≤ 1 year
€443k▼
2024 · €444k
Debt > 1 year
€4k▼
2024 · €5k
Income taxes
€75k▼
2024 · €143k
Staff costs
€224k▲
2024 · €162k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.96M€2.11M▲
Fixed assets21/28€47k€44k▼
Intangible fixed assets21€1k€735▼
Tangible fixed assets22/27€39k€41k▲
Plant, machinery and equipment23€9k€18k▲
Furniture and vehicles24-€3k
Leasing and similar rights25€12k€7k▼
Other tangible fixed assets26€17k€14k▼
Financial fixed assets28€7k€2k▼
Current assets29/58€1.91M€2.07M▲
Stocks and contracts in progress3€371k€425k▲
Stocks30/36€371k€425k▲
Amounts receivable within one year40/41€1.22M€1.42M▲
Trade receivables40€1.21M€1.36M▲
Other amounts receivable41€4k€56k▲
Current investments50/53€50€50=
Cash at bank and in hand54/58€302k€208k▼
Deferred charges and accrued income490/1€17k€16k▼
Equity and liabilities
Total equity and liabilities10/49€1.96M€2.11M▲
Equity10/15€1.51M€1.66M▲
Contributions10/11€19k€19k=
Reserves13€1.48M€1.64M▲
Distributable reserves133€1.48M€1.64M▲
Profit (loss) carried forward14€6k€6k▲
Amounts payable17/49€449k€447k▼
Amounts payable after more than one year17€5k€4k▼
Financial debts170/4€5k€4k▼
Amounts payable within one year42/48€444k€443k▼
Current portion of amounts payable after more than one year42€5k€854▼
Trade debts44€304k€334k▲
Suppliers440/4€304k€334k▲
Taxes, remuneration and social security45€115k€94k▼
Taxes450/3€92k€65k▼
Remuneration and social security454/9€23k€29k▲
Other amounts payable47/48€19k€14k▼
Income statement
Code20242025
Remuneration, social security and pensions62€162k€224k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€20k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-1k€2k▲
Other operating charges640/8€287k€289k▲
Gross operating margin9900€922k€910k▼
Operating profit (loss)9901€456k€375k▼
Financial income75/76B€134€10▼
Recurring financial income75€134€10▼
Financial charges65/66B€16k€143k▲
Recurring financial charges65€816€630▼
Non-recurring financial charges66B€15k€143k▲
Profit (loss) for the period before taxes9903€440k€232k▼
Income taxes67/77€143k€75k▼
Profit (loss) for the period9904€297k€156k▼
Profit (loss) for the period to be appropriated9905€297k€156k▼
Appropriation of the result
Profit (loss) to be appropriated9906€301k€162k▼
Profit (loss) brought forward from the previous period14P€5k€6k▲
Transfer to equity691/2€295k€156k▼
To other reserves6921€295k€156k▼
Social balance
Average headcount (FTE)90873.8-
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 19 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €323k ▲11.6%
Net result €323k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Equity above €1MEq €1.03M ▲16.6%
5 profitable years in a row build equity to €1.03M.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Equity above €500kEq €580k ▲22.4%
2 profitable years in a row build equity to €580k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 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, Charleroi · 1 establishment unit since 1990
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.
Avenue du Centenaire 3016061 CharleroiGround area
760 m²
Building footprint
151 m²
Volume, LiDAR
1,064 m³
Parcel 52049B0985/00N002, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
L'AGORA
since 19902.049.895.357
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52049B0985/00N002 | Wallonia | 760 m² | 1 · 151 m² | 7.3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.049.895.357
Similar companies · same sector, comparable size
BLEUZE INTERFOOD
BE 0402.195.256
Kontich · Eq €1,630,939
TAN-TAN
BE 0477.155.668
Vilvoorde · Eq €1,628,072
SAKINA TRADING
BE 0807.263.197
Antwerpen · Eq €1,614,834
PANIBLOND
BE 0426.416.354
Mons · Eq €1,717,334
GEYSKENS-DELIKATESSEN Beringen
BE 0427.648.650
Beringen · Eq €1,790,283
Of 699 companies in sector 46392 we hold annual accounts for 486. 291 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-08-1990
Fiscal year end31-12
Activities, NACEBEL 2025
46341Wholesale of wines and spirits
46392Non-specialised wholesale
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.