ISTVAN ARGAY
ActiveISTVAN ARGAY has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €20k. Its solvency ranks better than 84% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
85
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52
Stability82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 7.18 against 3.21 in 2024), and 13.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · 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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
86.1%
Return on assets
35.9%
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 08-06-2026, 53 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
53 d early
2024
45 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▲ 71.6%
2024 · €28k
2024: €28k
2024 → 2025
Total assets
€56k▲ 37.3%
2024 · €41k
2024: €41k
2024 → 2025
Net result
€20k▼ 3.1%
2024 · €21k
2024: €21k
2024 → 2025
Working capital
€48k▲ 71.6%
2024 · €28k
2024: €28k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€28k-€48k▲ 71.6%
Operating result€27k-€30k▲ 14.3%
Net result€21k-€20k▼ 3.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €56k
Equity
€48k▲ 71.6%
Debt
€8k▼ 38.6%
The debt ratio falls from 31.2% to 13.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
86.1%▲
2024 · 68.8%
Current ratio
7.18▲
2024 · 3.21
Quick ratio
7.18▲
2024 · 3.21
Debt / equity
0.16▼
2024 · 0.45
ROE
41.7%▼
2024 · 73.9%
ROA
35.9%▼
2024 · 50.9%
Debt
€8k▼
2024 · €13k
Debt ≤ 1 year
€8k▼
2024 · €13k
Income taxes
€9k▲
2024 · €6k
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€41k€56k▲
Current assets29/58€41k€56k▲
Amounts receivable within one year40/41€18k€20k▲
Trade receivables40€12k€18k▲
Other amounts receivable41€6k€2k▼
Cash at bank and in hand54/58€23k€35k▲
Deferred charges and accrued income490/1-€953
Equity and liabilities
Total equity and liabilities10/49€41k€56k▲
Equity10/15€28k€48k▲
Contributions10/11€9k€9k=
Reserves13€19k€39k▲
Distributable reserves133€19k€39k▲
Amounts payable17/49€13k€8k▼
Amounts payable within one year42/48€13k€8k▼
Trade debts44€1k€758▼
Suppliers440/4€1k€758▼
Taxes, remuneration and social security45€10k€7k▼
Taxes450/3€10k€7k▼
Other amounts payable47/48€2k-
Income statement
Code20242025
Other operating charges640/8-€7k
Gross operating margin9900€27k€37k▲
Operating profit (loss)9901€27k€30k▲
Financial income75/76B€247€220▼
Recurring financial income75€247€220▼
Financial charges65/66B€244€2k▲
Recurring financial charges65€244€2k▲
Profit (loss) for the period before taxes9903€27k€29k▲
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€21k€20k▼
Profit (loss) for the period to be appropriated9905€21k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€20k▼
Transfer to equity691/2€19k€20k▲
To other reserves6921€19k€20k▲
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
The notes to these accounts (1 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 7.18
Current ratio from 3.21 to 7.18; short-term debt falls from €13k to €8k.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
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, Beersel · 1 establishment unit since 2023
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.
Beukenbosstraat 921652 BeerselGround area
2,034 m²
Building footprint
317 m²
Volume, LiDAR
1,443 m³
Parcel 23001A0103/00W002, Flanders · tallest building 20.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ISTVAN ARGAY
since 20232.355.697.062
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23001A0103/00W002 | Flanders | 2,034 m² | 1 · 317 m² | 20.0 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.
Similar companies · same sector, comparable size
VGB Terrassement
BE 1000.863.915
Chaumont-Gistoux · Eq €48k
A COACH
BE 0685.810.685
Sint-Katelijne-Waver · Eq €48k
NBI Consulting
BE 0783.648.053
Sprimont · Eq €48k
AITconsult
BE 0744.486.579
Watermaal-Bosvoorde · Eq €48k
Defimo
BE 0801.531.388
Moorslede · Eq €48k
Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 37,849 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.