Lagoon
ActiveSummary
Lagoon has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63,171 and a net result of €45,894. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency74▼-11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 1.95 against 2.48 in 2024; short-term debt: 51.1% and cash: 74% of total assets), but 51.1% of the assets are financed with debt.
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Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
48.9%
Return on assets
35.5%
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 12-06-2026, 49 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
49 d early
2024
34 d early
2023
20 d early
2022
41 d early
2021
62 d early
2020
57 d early
2019
45 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 44 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€63,171▲ 1.4%
2024 · €62,277
Total assets
€129,220▲ 24.5%
2024 · €103,807
Net result
€45,894▲ 20.1%
2024 · €38,201
Working capital
€62,958▲ 2.3%
2024 · €61,524
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€30,403▲ 21.5%€22,421▼ 26.3%€36,778▲ 64.0%€49,709▲ 35.2%€60,192▲ 21.1%
Net result€22,647▲ 26.8%€16,319▼ 27.9%€27,917▲ 71.1%€38,201▲ 36.8%€45,894▲ 20.1%
Equity€75,940▲ 42.5%€88,159▲ 16.1%€91,076▲ 3.3%€62,277▼ 31.6%€63,171▲ 1.4%
Total assets€94,739▲ 21.8%€115,336▲ 21.7%€128,413▲ 11.3%€103,807▼ 19.2%€129,220▲ 24.5%
Debt€18,799▼ 23.3%€27,177▲ 44.6%€37,337▲ 37.4%€41,531▲ 11.2%€66,050▲ 59.0%
Working capital€71,330▲ 47.4%€86,740▲ 21.6%€89,783▲ 3.5%€61,524▼ 31.5%€62,958▲ 2.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €129,220
Fixed assets
€213 ▼ 71.7%
Current assets
€129,007 ▲ 25.2%
Equity and liabilities €129,220
Equity
€63,171 ▲ 1.4%
Debt
€66,050 ▲ 59.0%
Debt's share of the balance-sheet total rises from 40.0% to 51.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€60,732▲
2024 · €50,249
Cash flow
€46,434▲
2024 · €38,741
Current ratio
1.95▼
2024 · 2.48
Debt to equity
1.05▲
2024 · 0.67
ROE
72.7%▲
2024 · 61.3%
ROA
35.5%▼
2024 · 36.8%
Interest coverage
721.28▲
2024 · 183.08
Debt ≤ 1 year
€66,050▲
2024 · €41,531
Income taxes
€14,475▲
2024 · €11,645
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,964 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,430 | €3,191 | €1,745 | €540 | €540 | = |
| Other operating charges640/8 | €1,108 | €348 | €708 | €1,079 | €1,117 | ▲ 3.6% |
| Gross operating margin9900 | €34,941 | €25,960 | €39,231 | €51,328 | €61,849 | ▲ 20.5% |
| Operating profit (loss)9901 | €30,403 | €22,421 | €36,778 | €49,709 | €60,192 | ▲ 21.1% |
| Financial income75/76B | €0 | - | €165 | €411 | €261 | ▼ 36.4% |
| Recurring financial income75 | €0 | - | €165 | €411 | €261 | ▼ 36.4% |
| Financial charges65/66B | €331 | €137 | €276 | €274 | €84 | ▼ 69.3% |
| Recurring financial charges65 | €331 | €137 | €276 | €274 | €84 | ▼ 69.3% |
| Profit (loss) for the period before taxes9903 | €30,073 | €22,284 | €36,667 | €49,846 | €60,369 | ▲ 21.1% |
| Income taxes67/77 | €7,426 | €5,965 | €8,750 | €11,645 | €14,475 | ▲ 24.3% |
| Profit (loss) for the period9904 | €22,647 | €16,319 | €27,917 | €38,201 | €45,894 | ▲ 20.1% |
| Profit (loss) for the period to be appropriated9905 | €22,647 | €16,319 | €27,917 | €38,201 | €45,894 | ▲ 20.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €94,739 | €115,336 | €128,413 | €103,807 | €129,220 | ▲ 24.5% |
| Fixed assets21/28 | €4,609 | €1,418 | €1,293 | €753 | €213 | ▼ 71.7% |
| Tangible fixed assets22/27 | €4,568 | €1,377 | €1,251 | €711 | €172 | ▼ 75.9% |
| Furniture and vehicles24 | €4,568 | €1,377 | €1,251 | €711 | €172 | ▼ 75.9% |
| Financial fixed assets28 | €41 | €41 | €41 | €41 | €41 | = |
| Current assets29/58 | €90,130 | €113,917 | €127,121 | €103,055 | €129,007 | ▲ 25.2% |
| Stocks and contracts in progress3 | - | - | €6,170 | - | - | - |
| Stocks30/36 | - | - | €6,170 | - | - | - |
| Amounts receivable within one year40/41 | €14,088 | €16,794 | €33,365 | €38,929 | €31,394 | ▼ 19.4% |
| Trade receivables40 | €14,088 | €16,259 | €26,847 | €32,285 | €28,651 | ▼ 11.3% |
| Other amounts receivable41 | - | €535 | €6,518 | €6,643 | €2,743 | ▼ 58.7% |
| Cash at bank and in hand54/58 | €74,839 | €95,657 | €85,317 | €62,172 | €95,575 | ▲ 53.7% |
| Deferred charges and accrued income490/1 | €1,203 | €1,467 | €2,268 | €1,954 | €2,039 | ▲ 4.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €94,739 | €115,336 | €128,413 | €103,807 | €129,220 | ▲ 24.5% |
| Equity10/15 | €75,940 | €88,159 | €91,076 | €62,277 | €63,171 | ▲ 1.4% |
| Contributions10/11 | €6,200 | €18,600 | €20,460 | €20,460 | €20,460 | = |
| Reserves13 | €1,860 | €1,860 | - | - | - | - |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Profit (loss) carried forward14 | €67,880 | €67,699 | €70,616 | €41,817 | €42,711 | ▲ 2.1% |
| Amounts payable17/49 | €18,799 | €27,177 | €37,337 | €41,531 | €66,050 | ▲ 59.0% |
| Amounts payable within one year42/48 | €18,799 | €27,177 | €37,337 | €41,531 | €66,050 | ▲ 59.0% |
| Trade debts44 | €4,433 | €5,380 | €2,490 | €3,051 | €410 | ▼ 86.5% |
| Suppliers440/4 | €4,433 | €5,380 | €2,490 | €3,051 | €410 | ▼ 86.5% |
| Taxes, remuneration and social security45 | €13,716 | €4,788 | €9,847 | €9,480 | €20,639 | ▲ 118% |
| Taxes450/3 | €13,716 | €4,788 | €9,847 | €9,480 | €20,639 | ▲ 118% |
| Other amounts payable47/48 | €650 | €17,010 | €25,000 | €29,000 | €45,000 | ▲ 55.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,647 | €16,319 | €27,917 | €38,201 | €45,894 | ▲ 20.1% |
| + Depreciation and write-downs630 | €3,430 | €3,191 | €1,745 | €540 | €540 | = |
| Operating cash flow (approximation) | €26,077 | €19,510 | €29,662 | €38,741 | €46,434 | ▲ 19.9% |
| Investment in fixed assets (approximation) | - | €0 | -€1,619 | €0 | €0 | - |
| Change in cash | - | €20,818 | -€10,340 | -€23,145 | €33,403 | ▲ 244% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €45,894 ▲20.1%
Operating result €60,192, net result €45,894, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €8,251 ▼52.9%
Net result drops to €8,251, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Gembloux · 1 establishment unit since 2017
Ground area
1,928 m²
Building footprint
269 m²
Volume, LiDAR
1,405 m³
Parcel 92065A0124/13_000, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lagoon
since 20172.266.047.088
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92065A0124/13_000 | Wallonia | 1,928 m² | 1 · 269 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
Legal Entity Identifier
984500C58ZA79E65FV23
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,396. 15,502 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-07-2017
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
46190Agents in non-specialised wholesale trade
58110Book publishing
62900Other information technology and computer services
82990Other business support services
Contact
E-mail
lagoon.sprl@gmail.comGembloux
Phone
0486/61.01.55Gembloux
E-invoicing
Reachable via Peppol
Peppol ID
0208:0677890636
Registered
18-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.