Summary
NAGUS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €264k and a net result of €75k. Equity is growing by ~42.7% per year across the filed fiscal years. Its solvency ranks better than 44% of 8023 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
71 d late
2023
61 d late
2022
22 d late
2021
60 d late
2020
36 d early
2019
63 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€264k▲ 19.7%
2024 · €220k
2018: €-5k
2019: €27k
2020: €37k
2021: €69k
2022: €118k
2023: €174k
2024: €220k
2018 → 2025
Net result
€75k▲ 62.8%
2024 · €46k
2018: €-34k
2019: €61k
2020: €24k
2021: €48k
2022: €49k
2023: €56k
2024: €46k
2018 → 2025
Total assets
€594k▼ 0.7%
2024 · €598k
2018: €568k
2019: €569k
2020: €535k
2021: €579k
2022: €573k
2023: €583k
2024: €598k
2018 → 2025
Solvency
44.4%▲ 7.6pp
2024 · 36.8%
2018: -0.8%
2019: 4.8%
2020: 6.9%
2021: 12.0%
2022: 20.6%
2023: 29.9%
2024: 36.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€118k▲ 70.3%€174k▲ 47.3%€220k▲ 26.6%€264k▲ 19.7%
Operating result€66k-€79k▲ 19.0%€89k▲ 13.0%€82k▼ 8.3%€116k▲ 41.9%
Net result€48k-€49k▲ 2.7%€56k▲ 14.5%€46k▼ 17.3%€75k▲ 62.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 42% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €594k
Fixed assets
€505k ▼ 3.2%
Current assets
€89k ▲ 16.6%
Equity and liabilities €594k
Equity
€264k ▲ 19.7%
Debt
€330k ▼ 12.6%
Debt's share of the balance-sheet total falls from 63.2% to 55.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
28.5%▲
2024 · 21.0%
ROA
12.7%▲
2024 · 7.7%
Debt ≤ 1 year
€126k▲
2024 · €119k
Debt > 1 year
€203k▼
2024 · €257k
Income taxes
€33k▲
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€598k€594k▼
Fixed assets21/28€522k€505k▼
Tangible fixed assets22/27€522k€505k▼
Land and buildings22€284k€282k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€10k€9k▼
Other tangible fixed assets26€223k€211k▼
Financial fixed assets28€25€25=
Current assets29/58€76k€89k▲
Amounts receivable within one year40/41€36k€36k▼
Trade receivables40€36k€36k▼
Cash at bank and in hand54/58€39k€49k▲
Deferred charges and accrued income490/1€827€4k▲
Equity and liabilities
Total equity and liabilities10/49€598k€594k▼
Equity10/15€220k€264k▲
Contributions10/11€19k€19k=
Reserves13€202k€245k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€181k€224k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€378k€330k▼
Amounts payable after more than one year17€257k€203k▼
Financial debts170/4€257k€203k▼
Amounts payable within one year42/48€119k€126k▲
Current portion of amounts payable after more than one year42€67k€65k▼
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Taxes, remuneration and social security45€29k€39k▲
Taxes450/3€29k€39k▲
Other amounts payable47/48€15k€15k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Non-recurring operating income76A-€11k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€31k▲
Other operating charges640/8€7k€5k▼
Gross operating margin9900€116k€152k▲
Operating profit (loss)9901€82k€116k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€73k€108k▲
Income taxes67/77€26k€33k▲
Profit (loss) for the period9904€46k€75k▲
Profit (loss) for the period to be appropriated9905€46k€75k▲
Appropriation of the result
Profit (loss) to be appropriated9906€46k€75k▲
Transfer from equity791/2-€32k
Transfer to equity691/2€46k€75k▲
To other reserves6921€46k€75k▲
Profit to be distributed694/7-€32k
Return on contributions (dividend)694-€32k
The notes to these accounts (14 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €75k ▲62.8%
Operating result €116k, net result €75k, both a record.
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
31-12
Financial
Equity above €200kEq €220k ▲26.6%
6 profitable years in a row build equity to €220k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Equity above €150kEq €174k ▲47.3%
5 profitable years in a row build equity to €174k.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Equity above €100kEq €118k ▲70.3%
4 profitable years in a row build equity to €118k.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2019
31-12
Financial
Back to profitnet €61k
Net result €61k after one loss-making year.
Show earlier events
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Gent · 1 establishment unit since 2004
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.
Sint-Salvatorstraat 89000 GentGround area
466 m²
Building footprint
215 m²
Volume, LiDAR
1,687 m³
Parcel 44021A2481/00K000, Flanders · tallest building 16.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NAGUS
since 20042.135.278.717
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A2481/00K000 | Flanders | 466 m² | 1 · 215 m² | 16.7 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.
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EZRA INVEST
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STEVENS HOLDING - EURO CAP
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IMMO HJ
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,687 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2004
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
62100Computer programming
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
74301Translation services
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.