NAGOA
ActiveNAGOA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €68k. Equity is shrinking by ~20.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 18% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency41▼-59
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.18 against 7.69 in 2024; short-term debt: 84.5% and cash: 37.9% of total assets), and 84.5% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
15.5%
Return on assets
50.8%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 16974 sector peers (2025).
NBB · sector comparisonPosition among 16974 sector peers
Solvency
better than 18%
← 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 01-08-2026, 1 day 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 · 8 filingsDeviation from the deadline
2025
1 d late
2024
30 d late
2023
29 d late
2022
42 d early
2021
51 d early
2020
43 d early
2019
9 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▼ 80.6%
2024 · €108k
2018: €39k
2019: €282k
2020: €350k
2021: €425k
2022: €185k
2023: €180k
2024: €108k
2018 → 2025
Total assets
€135k▲ 7.3%
2024 · €125k
2018: €50k
2019: €286k
2020: €365k
2021: €436k
2022: €201k
2023: €262k
2024: €125k
2018 → 2025
Net result
€68k▲ 1.3%
2024 · €68k
2018: €21k
2019: €81k
2020: €69k
2021: €74k
2022: €61k
2023: €62k
2024: €68k
2018 → 2025
Working capital
€20k▼ 80.5%
2024 · €105k
2018: €39k
2019: €273k
2020: €316k
2021: €399k
2022: €167k
2023: €168k
2024: €105k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€425k-€185k▼ 56.4%€180k▼ 2.9%€108k▼ 40.3%€21k▼ 80.6%
Operating result€88k-€94k▲ 7.1%€65k▼ 31.2%€70k▲ 8.4%€86k▲ 22.7%
Net result€74k-€61k▼ 18.5%€62k▲ 1.8%€68k▲ 9.5%€68k▲ 1.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 23% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135k
Fixed assets
€391▼ 91.2%
Current assets
€134k▲ 10.9%
Equity and liabilities €135k
Equity
€21k▼ 80.6%
Debt
€114k▲ 536%
The debt ratio rises from 14.3% to 84.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€90k▲
2024 · €77k
Cash flow
€72k▼
2024 · €75k
Solvency
15.5%▼
2024 · 85.7%
Current ratio
1.18▼
2024 · 7.69
Quick ratio
1.18▼
2024 · 7.69
Debt / equity
5.45▲
2024 · 0.17
ROE
327.7%▲
2024 · 62.8%
ROA
50.8%▼
2024 · 53.8%
Interest coverage
591.56▲
2024 · -416.73
Debt
€114k▲
2024 · €18k
Debt ≤ 1 year
€114k▲
2024 · €16k
Income taxes
€18k▲
2024 · €15k
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€125k€135k▲
Fixed assets21/28€4k€391▼
Tangible fixed assets22/27€4k€391▼
Plant, machinery and equipment23€235-
Furniture and vehicles24€4k€391▼
Current assets29/58€121k€134k▲
Amounts receivable within one year40/41€41k€33k▼
Trade receivables40€29k€29k▼
Other amounts receivable41€11k€5k▼
Current investments50/53-€50k
Cash at bank and in hand54/58€79k€51k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€125k€135k▲
Equity10/15€108k€21k▼
Contributions10/11€40k-
Profit (loss) carried forward14€68k€21k▼
Amounts payable17/49€18k€114k▲
Amounts payable within one year42/48€16k€114k▲
Trade debts44€4k€678▼
Suppliers440/4€4k€678▼
Taxes, remuneration and social security45€11k€9k▼
Taxes450/3€11k€9k▼
Other amounts payable47/48€722€104k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€4k▼
Other operating charges640/8€879€908▲
Gross operating margin9900€78k€91k▲
Operating profit (loss)9901€70k€86k▲
Financial income75/76B€12k€317▼
Recurring financial income75€12k€317▼
Financial charges65/66B€-185€152▲
Recurring financial charges65€-185€152▲
Profit (loss) for the period before taxes9903€82k€86k▲
Income taxes67/77€15k€18k▲
Profit (loss) for the period9904€68k€68k▲
Profit (loss) for the period to be appropriated9905€68k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€136k▲
Profit (loss) brought forward from the previous period14P-€68k
Profit to be distributed694/7-€115k
Return on contributions (dividend)694-€115k
The notes to these accounts (3 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
01-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 7.69
Current ratio from 3.05 to 7.69; short-term debt falls from €82k to €16k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €81k ▲287%
Operating result €102k, net result €81k, both a record.
31-12
Financial
Liquidity times 14current ratio 64.96
Current ratio from 4.54 to 64.96; short-term debt falls from €11k to €4k.
31-12
Financial
Equity above €200kEq €282k ▲617%
2 profitable years in a row build equity to €282k.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Pieters-Woluwe · 1 establishment unit since 2018
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.
Toeristenlaan 71150 Sint-Pieters-WoluweGround area
350 m²
Building footprint
139 m²
Volume, LiDAR
1,006 m³
Parcel 21683D0265/02Y017, Brussels · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Nagoa
since 20182.276.783.406
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21683D0265/02Y017 | Brussels | 350 m² | 1 · 139 m² | 11.7 m · 3 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
Eleander
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L-Craft
BE 1013.497.966
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Nomada
BE 0671.553.764
Antwerpen · Eq €21k
TORELIO
BE 0707.910.057
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SYMTEC
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Tournai · Eq €21k
Of 29,996 companies in sector 62200 we hold annual accounts for 18,390. 13,136 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-06-2018
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.