PROGRESSIO
ActiveSummary
PROGRESSIO has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.83M and a net result of €777k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 71% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-11
Solvency99▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €330k at 30 days acceptable
Liquidity ample (current ratio 3.88 against 3.33 in 2024; short-term debt: 25.6% and cash: 18.5% of total assets), and 25.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
74.4%
Return on assets
15.1%
Age of the figures
9 mo
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
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
8 d early
2022
7 d early
2021
5 d early
2020
1 d early
2019
25 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.83M▲ 25.4%
2024 · €3.05M
2018: €1.21M
2019: €1.68M
2020: €2.09M
2021: €2.33M
2022: €2.43M
2023: €2.72M
2024: €3.05M
2018 → 2025
Total assets
€5.15M▲ 18.4%
2024 · €4.35M
2018: €3.58M
2019: €3.45M
2020: €3.56M
2021: €4.53M
2022: €4.65M
2023: €4.74M
2024: €4.35M
2018 → 2025
Net result
€777k▼ 26.1%
2024 · €1.05M
2018: €376k
2019: €476k
2020: €408k
2021: €538k
2022: €713k
2023: €588k
2024: €1.05M
2018 → 2025
Working capital
€3.79M▲ 25.6%
2024 · €3.02M
2018: €1.20M
2019: €1.67M
2020: €2.08M
2021: €2.30M
2022: €2.42M
2023: €2.72M
2024: €3.02M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.33M-€2.43M▲ 4.4%€2.72M▲ 11.8%€3.05M▲ 12.2%€3.83M▲ 25.4%
Operating result€707k-€848k▲ 20.0%€718k▼ 15.3%€649k▼ 9.6%€978k▲ 50.7%
Net result€538k-€713k▲ 32.4%€588k▼ 17.5%€1.05M▲ 78.8%€777k▼ 26.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 51% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.15M
Fixed assets
€42k ▲ 16.0%
Current assets
€5.11M ▲ 18.4%
Equity and liabilities €5.15M
Equity
€3.83M ▲ 25.4%
Debt
€1.32M ▲ 1.6%
Debt's share of the balance-sheet total falls from 29.8% to 25.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€984k▲
2024 · €670k
Cash flow
€783k▼
2024 · €1.07M
Current ratio
3.88▲
2024 · 3.33
Debt to equity
0.34▼
2024 · 0.42
ROE
20.3%▼
2024 · 34.4%
ROA
15.1%▼
2024 · 24.2%
Interest coverage
355.67▼
2024 · 626.58
Debt ≤ 1 year
€1.32M▲
2024 · €1.30M
Income taxes
€266k▼
2024 · €354k
Staff costs
€95k▲
2024 · €80k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.35M€5.15M▲
Fixed assets21/28€37k€42k▲
Intangible fixed assets21€8-
Tangible fixed assets22/27€37k€42k▲
Furniture and vehicles24€12k€14k▲
Other tangible fixed assets26€25k€28k▲
Financial fixed assets28-€1
Current assets29/58€4.31M€5.11M▲
Amounts receivable within one year40/41€1.24M€4.08M▲
Trade receivables40€1.17M€1.39M▲
Other amounts receivable41€77k€2.69M▲
Current investments50/53€2.37M€10k▼
Cash at bank and in hand54/58€697k€951k▲
Deferred charges and accrued income490/1-€62k
Equity and liabilities
Total equity and liabilities10/49€4.35M€5.15M▲
Equity10/15€3.05M€3.83M▲
Contributions10/11€19k€19k=
Reserves13€3.04M€3.81M▲
Distributable reserves133€3.04M€3.81M▲
Amounts payable17/49€1.30M€1.32M▲
Amounts payable within one year42/48€1.30M€1.32M▲
Current portion of amounts payable after more than one year42-€67k
Trade debts44€1.19M€1.06M▼
Suppliers440/4€1.19M€1.06M▼
Taxes, remuneration and social security45€109k€191k▲
Taxes450/3€100k€175k▲
Remuneration and social security454/9€9k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€80k€95k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€6k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€26k
Other operating charges640/8€5k€110▼
Gross operating margin9900€756k€1.11M▲
Operating profit (loss)9901€649k€978k▲
Financial income75/76B€758k€68k▼
Recurring financial income75€758k€68k▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€1.41M€1.04M▼
Income taxes67/77€354k€266k▼
Profit (loss) for the period9904€1.05M€777k▼
Profit (loss) for the period to be appropriated9905€1.05M€777k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.05M€777k▼
Transfer from equity791/2€720k-
Transfer to equity691/2€1.05M€777k▼
To other reserves6921€1.05M€777k▼
Profit to be distributed694/7€720k-
Return on contributions (dividend)694€720k-
Social balance
Average headcount (FTE)90871.21.2=
The notes to these accounts (11 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
26-08
State Gazette act
Resignation: Anna-Maria Schuermans (director)Appointment: AM Consult BV (director) · Permanent representative: Anna-Maria Schuermans4 facts ▸
State Gazette act
Resignation: Anna-Maria Schuermans (director)
Appointment: AM Consult BV (director) · Permanent representative: Anna-Maria Schuermans4 facts ▸
- General meeting, 10-06-2026
- Director resignation, Anna-Maria Schuermans (director)
- Director appointment, AM Consult BV (director)
- Permanent representative, Anna-Maria Schuermans
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €1.05M ▲78.8%
Net result €1.05M, the highest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €2MEq €2.09M ▲24.2%
3 profitable years in a row build equity to €2.09M.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 8 acts read
About the unread acts
Of the 8 Belgian State Gazette acts we know for this company, 1 has been read. The other 7 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
AM Consult BV
CurrentDirector · since 01-07-2026 · Legal entity · perm. rep.: Anna-Maria Schuermans
01-07-2026
AM Consult BV: Appointed as Director
01-07-2026
Anna-Maria Schuermans: Resigned as Director
Not every act has been read: a resignation may be missing here
7 of this company's 8 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Haacht · 1 establishment unit since 2009
Ground area
1,017 m²
Building footprint
443 m²
Volume, LiDAR
1,762 m³
Parcel 24033D0324/00B002, Flanders · tallest building 10.5 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
PROGRESSIO
since 20092.182.906.608
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24033D0324/00B002 | Flanders | 1,017 m² | 1 · 443 m² | 10.5 m · 1 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.
Structure & network
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 13,502 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
Founded20-11-2009
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
62200Computer consultancy and computer facilities management
66199Other activities auxiliary to financial services, excluding insurance and pension funding
73300Public relations and communication consultancy
78200Temporary employment agencies and other provision of personnel
82990Other business support services
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.