PAGERO
InactiveNo longer registered with the KBO since 17-07-2026; last annual accounts for fiscal year 2024.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 229 sector peers (2024).
NBB · sector comparisonPosition among 229 sector peers
Solvency
better than 15%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-11-2025, 108 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
108 d late
2023
22 d early
2022
37 d early
2021
26 d early
2020
19 d late
2019
25 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€26k▼ 46.4%
2023 · €49k
2018: €-37k
2019: €3k
2020: €11k
2021: €14k
2022: €17k
2023: €49k
2018 → 2024
Working capital
€1.42M▲ 89.1%
2023 · €750k
2018: €27k
2019: €55k
2020: €62k
2021: €62k
2022: €124k
2023: €750k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-10k-€4k€21k▲ 446%€70k▲ 236%€96k▲ 37.7%
Operating result€11k-€14k▲ 27.2%€17k▲ 23.4%€70k▲ 304%€37k▼ 47.5%
Net result€11k-€14k▲ 27.4%€17k▲ 22.9%€49k▲ 189%€26k▼ 46.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 47% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.66M
Fixed assets
€1k=
Current assets
€2.66M▲ 78.0%
Equity and liabilities €2.66M
Equity
€96k▲ 37.7%
Debt
€2.57M▲ 79.9%
The debt ratio rises from 95.3% to 96.4%. Equity and debt are higher.
Key figures and ratios
Solvency
3.6%▼
2023 · 4.7%
Current ratio
2.14▲
2023 · 2.01
Quick ratio
2.14▲
2023 · 2.01
Debt / equity
26.67▲
2023 · 20.41
ROE
27.4%▼
2023 · 70.3%
ROA
1.0%▼
2023 · 3.3%
Debt
€2.57M▲
2023 · €1.43M
Debt ≤ 1 year
€1.24M▲
2023 · €746k
Income taxes
€10k▼
2023 · €20k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.50M€2.66M▲
Fixed assets21/28€1k€1k=
Financial fixed assets28€1k€1k=
Current assets29/58€1.50M€2.66M▲
Amounts receivable within one year40/41€1.29M€2.42M▲
Trade receivables40€1.28M€1.01M▼
Other amounts receivable41€10k€1.42M▲
Cash at bank and in hand54/58€202k€242k▲
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€1.50M€2.66M▲
Equity10/15€70k€96k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€58k€84k▲
Amounts payable17/49€1.43M€2.57M▲
Amounts payable within one year42/48€746k€1.24M▲
Trade debts44€736k€1.23M▲
Suppliers440/4€736k€1.23M▲
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€10k€11k▲
Accrued charges and deferred income492/3€681k€1.32M▲
Income statement
Code20232024
Other operating charges640/8€2k€1k▼
Gross operating margin9900€72k€38k▼
Operating profit (loss)9901€70k€37k▼
Financial income75/76B-€69
Recurring financial income75-€69
Financial charges65/66B€116€341▲
Recurring financial charges65€116€341▲
Profit (loss) for the period before taxes9903€70k€36k▼
Income taxes67/77€20k€10k▼
Profit (loss) for the period9904€49k€26k▼
Profit (loss) for the period to be appropriated9905€49k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€84k▲
Profit (loss) brought forward from the previous period14P€8k€58k▲
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
29-07
State Gazette act
Restructuring · End & cessationGeneral meeting · Merger · Dissolution4 facts ▸
State Gazette act
Restructuring · End & cessation
General meeting · Merger · Dissolution4 facts ▸
- General meeting, 30/06/2026
- Merger, opération assimilée à une fusion par absorption
- Dissolution, 2026-06-30
- Accounting effect, 01/01/2026
21-05
State Gazette act
RestructuringMerger · Accounting effect · Purpose change4 facts ▸
State Gazette act
Restructuring
Merger · Accounting effect · Purpose change4 facts ▸
- Merger, opération assimilée à la fusion par absorption, article 12:7, 2° du CSA
- Accounting effect, 01/01/2026
- Purpose change, Inclusion des activités de Pagero dans l'objet d'Aktor
- Power of attorney, Jeanpaul Christiaan Jonker
2025
16-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 108 days late
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €49k ▲189%
Operating result €70k, net result €49k, both a record.
24-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 19 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are in the Belgian State Gazette, of which we have read 2. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Waterloo
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.
Drève Richelle 1611410 WaterlooGround area
1.0 ha
Building footprint
1,772 m²
Volume, LiDAR
33,713 m³
Parcel 25763M0621/00F000, Wallonia · tallest building 22.9 m, ±6 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763M0621/00F000indicative | Wallonia | 1.0 ha | 1 · 1,772 m² | 22.9 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Acquisitions and mergers
1 transactionTaken over by:AKTOR KNOWLEDGE TECHNOLOGY
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Of 2,726 companies in sector 63100 we hold annual accounts for 1,272. 986 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2017
Fiscal year end31-12
Activities, NACEBEL
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.