« MAGALI SERGEANT »
Active« MAGALI SERGEANT » has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €26k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 21% of 16424 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy▼ -27 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency35▼-59
Growth58▼-20
Stability94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.88 in 2024), and 77.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 86
Relative position
BE, all sectors
reference
Sector 86
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
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
22.3%
Return on assets
34.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 16424 sector peers (2025).
NBB · sector comparisonPosition among 16424 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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 · 5 filingsDeviation from the deadline
2025
10 d late
2024
7 d early
2023
26 d late
2022
29 d late
2021
3 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
Turnover
€106k
EBIT margin
33.8%
Net result
€26k▲ 3.1%
2024 · €26k
2021: €23k
2022: €28k
2023: €19k
2024: €26k
2021 → 2025
Working capital
€10k▼ 62.6%
2024 · €26k
2021: €9k
2022: €16k
2023: €15k
2024: €26k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€106k
Equity€26k-€28k▲ 10.4%€27k▼ 4.1%€38k▲ 38.9%€17k▼ 55.1%
Operating result€30k-€36k▲ 20.2%€25k▼ 31.1%€33k▲ 34.7%€34k▲ 2.8%
Net result€23k-€28k▲ 21.6%€19k▼ 32.0%€26k▲ 36.0%€26k▲ 3.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€7k▼ 46.1%
Current assets
€69k▲ 24.1%
Equity and liabilities €76k
Equity
€17k▼ 55.1%
Debt
€59k▲ 89.8%
The debt ratio rises from 45.2% to 77.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€40k▲
2024 · €40k
Cash flow
€33k▲
2024 · €33k
Solvency
22.3%▼
2024 · 54.8%
Current ratio
1.16▼
2024 · 1.88
Quick ratio
1.16▼
2024 · 1.88
Debt / equity
3.48▲
2024 · 0.82
ROE
155.1%▲
2024 · 67.6%
ROA
34.6%▼
2024 · 37.1%
Interest coverage
291.28▲
2024 · 180.48
Debt
€59k▲
2024 · €31k
Debt ≤ 1 year
€59k▲
2024 · €30k
Income taxes
€8k▲
2024 · €7k
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€69k€76k▲
Fixed assets21/28€14k€7k▼
Intangible fixed assets21€6k€5k▼
Tangible fixed assets22/27€7k€2k▼
Plant, machinery and equipment23€972€912▼
Furniture and vehicles24€6k€1k▼
Current assets29/58€56k€69k▲
Amounts receivable within one year40/41€4k€301▼
Other amounts receivable41€4k€301▼
Cash at bank and in hand54/58€44k€59k▲
Deferred charges and accrued income490/1€7k€10k▲
Equity and liabilities
Total equity and liabilities10/49€69k€76k▲
Equity10/15€38k€17k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€35k€14k▼
Amounts payable17/49€31k€59k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€30k€59k▲
Current portion of amounts payable after more than one year42€7k€2k▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€5k€10k▲
Other amounts payable47/48€16k€46k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€564€582▲
Gross operating margin9900€41k€41k▲
Operating profit (loss)9901€33k€34k▲
Financial income75/76B€3€3=
Recurring financial income75€3€3=
Financial charges65/66B€223€139▼
Recurring financial charges65€223€139▼
Profit (loss) for the period before taxes9903€33k€34k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€26k€26k▲
Profit (loss) for the period to be appropriated9905€26k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€61k▲
Profit (loss) brought forward from the previous period14P€24k€35k▲
Profit to be distributed694/7€15k€47k▲
Return on contributions (dividend)694€15k€47k▲
The notes to these accounts (7 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €19k ▼32%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Highest result since 2021net €28k ▲21.6%
Operating result €36k, net result €28k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Incourt
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.
Rue Duchêne 11315 IncourtGround area
199 m²
Building footprint
74 m²
Volume, LiDAR
334 m³
Parcel 25043A0208/00B000, Wallonia · tallest building 5.8 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25043A0208/00B000 | Wallonia | 199 m² | 1 · 74 m² | 5.8 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
SOURANIS EUROPE
BE 0889.917.689
Gembloux · Eq €17k
Berry
BE 0791.758.144
Brasschaat · Eq €17k
VIE HAPPY
BE 0730.852.141
Doische · Eq €17k
PEFEROEN MARJOLEIN
BE 0821.758.660
Gent · Eq €17k
OPTICIENS VANDERDONCKT
BE 0459.294.703
Brussel · Eq €17k
Of 10,458 companies in sector 86995 we hold annual accounts for 883. 556 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2021
Fiscal year end31-12
Activities, NACEBEL
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:kinemagalisergeant@gmail.com