LAGOM
ActiveLAGOM has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €19k and a net result of €8k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 37968 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 5.54 in 2023; short-term debt: 20.3% and cash: 7.3% of total assets), and 20.3% 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 · 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
79.7%
Return on assets
33.2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-06-2025, 45 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
45 d early
2023
43 d early
2022
38 d early
2021
33 d early
2020
23 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€19k▲ 71.4%
2023 · €11k
2020: €7k
2021: €11k
2022: €16k
2023: €11k
2020 → 2024
Total assets
€24k▲ 77.9%
2023 · €14k
2020: €11k
2021: €15k
2022: €24k
2023: €14k
2020 → 2024
Net result
€8k▲ 28.8%
2023 · €6k
2020: €2k
2021: €4k
2022: €5k
2023: €6k
2020 → 2024
Working capital
€3k▼ 68.5%
2023 · €11k
2020: €7k
2021: €10k
2022: €16k
2023: €11k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€7k-€11k▲ 59.0%€16k▲ 49.2%€11k▼ 31.8%€19k▲ 71.4%
Operating result€3k-€6k▲ 93.7%€8k▲ 26.3%€9k▲ 14.2%€11k▲ 23.8%
Net result€2k-€4k▲ 112%€5k▲ 32.6%€6k▲ 14.6%€8k▲ 28.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 24% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €24k
Fixed assets
€16k▲ 2,554%
Current assets
€8k▼ 36.5%
Equity and liabilities €24k
Equity
€19k▲ 71.4%
Debt
€5k▲ 109%
The debt ratio rises from 17.2% to 20.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k▲
2023 · €9k
Cash flow
€9k▲
2023 · €6k
Solvency
79.7%▼
2023 · 82.8%
Current ratio
1.68▼
2023 · 5.54
Quick ratio
1.68▼
2023 · 5.54
Debt / equity
0.25▲
2023 · 0.21
ROE
41.7%▼
2023 · 55.4%
ROA
33.2%▼
2023 · 45.9%
Interest coverage
32.94▲
2023 · 21.28
Debt
€5k▲
2023 · €2k
Debt ≤ 1 year
€5k▲
2023 · €2k
Income taxes
€3k▲
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€14k€24k▲
Formation expenses20-€0
Fixed assets21/28€599€16k▲
Tangible fixed assets22/27€599€16k▲
Plant, machinery and equipment23-€3k
Furniture and vehicles24€599€1k▲
Other tangible fixed assets26-€12k
Current assets29/58€13k€8k▼
Amounts receivable within one year40/41€9k€6k▼
Trade receivables40€5k€5k▼
Other amounts receivable41€4k€1k▼
Current investments50/53€2k-
Cash at bank and in hand54/58€2k€2k▲
Deferred charges and accrued income490/1€104-
Equity and liabilities
Total equity and liabilities10/49€14k€24k▲
Equity10/15€11k€19k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€6k€14k▲
Amounts payable17/49€2k€5k▲
Amounts payable within one year42/48€2k€5k▲
Trade debts44€640€86▼
Suppliers440/4€640€86▼
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€5k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€264€925▲
Other operating charges640/8€864€845▼
Gross operating margin9900€10k€13k▲
Operating profit (loss)9901€9k€11k▲
Financial income75/76B€133€140▲
Recurring financial income75€133€140▲
Financial charges65/66B€435€366▼
Recurring financial charges65€435€366▼
Profit (loss) for the period before taxes9903€9k€11k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€6k€8k▲
Profit (loss) for the period to be appropriated9905€6k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€14k▼
Profit (loss) brought forward from the previous period14P€11k€6k▼
Profit to be distributed694/7€11k-
Return on contributions (dividend)694€11k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €8k ▲28.8%
Operating result €11k, net result €8k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2019
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.
Brandstraat(VRA) 1069120 Beveren-Kruibeke-ZwijndrechtGround area
2,097 m²
Building footprint
120 m²
Volume, LiDAR
706 m³
Parcel 46028C1255/00D000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LAGOM
since 20192.290.799.807
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46028C1255/00D000 | Flanders | 2,097 m² | 1 · 120 m² | 8.4 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 545 EUR awarded · 648 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 60 EUR | 163 EUR |
| 2023 | 1 | 410 EUR | 410 EUR |
| 2022 | 1 | 75 EUR | 75 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 30,184 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.