NRAG CONSULT
ActiveNRAG CONSULT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €81k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 12685 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency27▼-12
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
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 69
Relative position
BE, all sectors
reference
Sector 69
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
1.8%
Return on assets
48.2%
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 6% of 12685 sector peers (2025).
NBB · sector comparisonPosition among 12685 sector peers
Solvency
better than 6%
← weakest
strongest →
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 13-07-2026, 18 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
18 d early
2024
14 d early
2023
9 d early
2022
20 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 89.2%
2024 · €28k
2022: €773
2023: €62k
2024: €28k
2022 → 2025
Total assets
€168k▼ 15.9%
2024 · €200k
2022: €71k
2023: €135k
2024: €200k
2022 → 2025
Net result
€81k▲ 12.4%
2024 · €72k
2022: €-2k
2023: €62k
2024: €72k
2022 → 2025
Working capital
€-14k
2024 · €5k
2022: €-35k
2023: €33k
2024: €5k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€773-€62k▲ 7,963%€28k▼ 55.5%€3k▼ 89.2%
Operating result€-2k-€80k€95k▲ 18.4%€109k▲ 14.3%
Net result€-2k-€62k€72k▲ 17.3%€81k▲ 12.4%
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 three years in a row; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168k
Fixed assets
€21k▼ 34.7%
Current assets
€147k▼ 12.1%
Equity and liabilities €168k
Equity
€3k▼ 89.2%
Debt
€165k▼ 4.1%
The debt ratio rises from 86.1% to 98.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€120k▲
2024 · €107k
Cash flow
€93k▲
2024 · €84k
Solvency
1.8%▼
2024 · 13.9%
Current ratio
0.91▼
2024 · 1.03
Quick ratio
0.91▼
2024 · 1.03
Debt / equity
55.17▲
2024 · 6.22
ROA
48.2%▲
2024 · 36.0%
Interest coverage
181.20▲
2024 · 131.41
Debt
€165k▼
2024 · €173k
Debt ≤ 1 year
€160k▼
2024 · €162k
Debt > 1 year
€5k▼
2024 · €10k
Income taxes
€27k▲
2024 · €22k
A ratio outside any meaningful range has been withheld (balance sheet total €168k, equity €3k).
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€200k€168k▼
Formation expenses20€619€394▼
Fixed assets21/28€33k€21k▼
Tangible fixed assets22/27€33k€21k▼
Furniture and vehicles24€33k€21k▼
Current assets29/58€167k€147k▼
Amounts receivable within one year40/41-€25k
Other amounts receivable41-€25k
Cash at bank and in hand54/58€162k€119k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€200k€168k▼
Equity10/15€28k€3k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€25k-
Amounts payable17/49€173k€165k▼
Amounts payable after more than one year17€10k€5k▼
Financial debts170/4€10k€5k▼
Amounts payable within one year42/48€162k€160k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€2k€479▼
Suppliers440/4€2k€479▼
Taxes, remuneration and social security45€63k€63k▼
Taxes450/3€63k€63k▼
Other amounts payable47/48€92k€92k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€109k€122k▲
Operating profit (loss)9901€95k€109k▲
Financial charges65/66B€813€665▼
Recurring financial charges65€813€665▼
Profit (loss) for the period before taxes9903€94k€108k▲
Income taxes67/77€22k€27k▲
Profit (loss) for the period9904€72k€81k▲
Profit (loss) for the period to be appropriated9905€72k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€132k€106k▼
Profit (loss) brought forward from the previous period14P€59k€25k▼
Profit to be distributed694/7€107k€106k▼
Return on contributions (dividend)694€107k€106k▼
The notes to these accounts (5 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
03-08
State Gazette act
General meeting · Purpose change
Name change · Statutes amendment
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €81k ▲12.4%
Operating result €109k, net result €81k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €62k
Net result €62k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 1.58
Current ratio from 0.28 to 1.58.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB 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, Chaudfontaine · 1 establishment unit since 2022
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.
Allée Dubois 64052 ChaudfontaineGround area
2,248 m²
Building footprint
232 m²
Volume, LiDAR
1,532 m³
Parcel 62012A0371/00Z000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NRAG CONSULT
since 20222.336.381.095
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62012A0371/00Z000 | Wallonia | 2,248 m² | 1 · 232 m² | 9.0 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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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 1,426 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2022
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:nathyri@hotmail.com