PRAGMANI
ActivePRAGMANI has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €459k and a net result of €-13k. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 42% of 2832 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability24▼-30
Solvency59▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.39 against 0.53 in 2023; short-term debt: 41.2% and cash: 0% of total assets), and 65.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
34.1%
Return on assets
-1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
71 d late
2023
on the day
2022
49 d late
2021
4 d late
2020
75 d late
2019
60 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€459k▼ 2.8%
2023 · €472k
2019: €505k
2020: €550k
2021: €625k
2022: €384k
2023: €472k
2019 → 2024
Total assets
€1.35M▼ 10.5%
2023 · €1.50M
2019: €2.44M
2020: €2.40M
2021: €1.63M
2022: €1.24M
2023: €1.50M
2019 → 2024
Net result
€-13k
2023 · €88k
2019: €-115k
2020: €45k
2021: €76k
2022: €-241k
2023: €88k
2019 → 2024
Working capital
€-335k▼ 0.2%
2023 · €-335k
2019: €785k
2020: €873k
2021: €5k
2022: €-388k
2023: €-335k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€550k-€625k▲ 13.8%€384k▼ 38.6%€472k▲ 22.9%€459k▼ 2.8%
Operating result€75k-€136k▲ 80.3%€-237k€127k€61k▼ 51.5%
Net result€45k-€76k▲ 69.4%€-241k€88k€-13k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 51% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.35M
Fixed assets
€1.13M▼ 0.1%
Current assets
€219k▼ 41.7%
Equity and liabilities €1.35M
Equity
€459k▼ 2.8%
Debt
€887k▼ 13.9%
The debt ratio falls from 68.6% to 65.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€62k▼
2023 · €127k
Cash flow
€-13k▼
2023 · €89k
Solvency
34.1%▲
2023 · 31.4%
Current ratio
0.39▼
2023 · 0.53
Quick ratio
0.39▼
2023 · 0.53
Debt / equity
1.93▼
2023 · 2.18
ROE
-2.9%▼
2023 · 18.7%
ROA
-1.0%▼
2023 · 5.9%
Interest coverage
0.82▼
2023 · 3.33
Debt
€887k▼
2023 · €1.03M
Debt ≤ 1 year
€554k▼
2023 · €710k
Debt > 1 year
€333k▲
2023 · €321k
Income taxes
€-78▼
2023 · €164
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€1.35M▼
Fixed assets21/28€1.13M€1.13M▼
Tangible fixed assets22/27€1.13M€1.13M▼
Land and buildings22€1.12M€1.12M=
Furniture and vehicles24€5k€4k▼
Current assets29/58€375k€219k▼
Amounts receivable within one year40/41€253k€218k▼
Trade receivables40€100k-
Other amounts receivable41€154k€218k▲
Cash at bank and in hand54/58€122k€416▼
Equity and liabilities
Total equity and liabilities10/49€1.50M€1.35M▼
Equity10/15€472k€459k▼
Contributions10/11€457k€457k=
Profit (loss) carried forward14€16k€2k▼
Amounts payable17/49€1.03M€887k▼
Amounts payable after more than one year17€321k€333k▲
Financial debts170/4€321k€333k▲
Amounts payable within one year42/48€710k€554k▼
Current portion of amounts payable after more than one year42€101k€30k▼
Financial debts43€123k€21k▼
Credit institutions430/8€123k€21k▼
Trade debts44€52k€28k▼
Suppliers440/4€52k€28k▼
Taxes, remuneration and social security45€27k€27k▼
Taxes450/3€27k€27k▼
Other amounts payable47/48€407k€449k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€772€772=
Other operating charges640/8€6k€8k▲
Gross operating margin9900€134k€70k▼
Operating profit (loss)9901€127k€61k▼
Financial income75/76B-€912
Recurring financial income75-€912
Financial charges65/66B€38k€76k▲
Recurring financial charges65€38k€76k▲
Profit (loss) for the period before taxes9903€88k€-13k▼
Income taxes67/77€164€-78▼
Profit (loss) for the period9904€88k€-13k▼
Profit (loss) for the period to be appropriated9905€88k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€2k▼
Profit (loss) brought forward from the previous period14P€-73k€16k▲
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
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 71 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €88k
Net result €88k after one loss-making year.
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 49 days late
2022
31-12
Financial
Weakest financial yearnet €-241k ▼418%
Net result drops to €-241k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 4 days late
2021
14-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 75 days late
2020
31-12
Financial
Back to profitnet €45k
Net result €45k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 60 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 24 days late
2016
13-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
24-07
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Kontich · 1 establishment unit since 1994
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.
Prins Boudewijnlaan 24C2550 KontichGround area
2.3 ha
Building footprint
4,126 m²
Volume, LiDAR
54,384 m³
2 parcels, Flanders · tallest building 25.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Uitbreidingstraat 84, 2600 Antwerpen
since 19942.065.222.743
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0082/00K000 | Flanders | 1.3 ha | 1 · 3,127 m² | 14.5 m · 4 fl. |
| 11303B0445/00N008 | Flanders | 9,631 m² | 1 · 998 m² | 25.2 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
SecureIT and AudIT
BE 0842.087.583
Dilbeek · Eq €459k
TRIGRR
BE 0778.989.677
La Hulpe · Eq €459k
Fortec
BE 0827.857.980
Kasterlee · Eq €459k
EXCELIO
BE 0674.689.933
Brussel · Eq €459k
AGILEO
BE 0687.558.071
Sint-Joost-ten-Node · Eq €459k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 12,317 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-12-1993
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
66199Other activities auxiliary to financial services, excluding insurance and pension funding
67130
68310Real estate agency activities
68311Real estate activities
70100Activities of head offices
70311
72100
72400
74152
Sources
Crossroads Bank for EnterprisesNational Bank · 28 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.