SAEGO 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 €23k and a net result of €351k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 8018 sector peers (fiscal year 2025). The company has been active since 2018 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 advice for your own amount and term
Signals
Four 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 19% of 8018 sector peers (2025).
NBB · sector comparisonPosition among 8018 sector peers
Solvency
better than 19%
← 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 21-05-2026, 71 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
71 d early
2024
64 d early
2023
149 d early
2022
56 d early
2021
51 d early
2020
43 d early
2019
52 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▼ 91.3%
2024 · €267k
2019: €255k
2020: €417k
2021: €683k
2022: €491k
2023: €125k
2024: €267k
2019 → 2025
Net result
€351k▲ 45.3%
2024 · €242k
2019: €237k
2020: €161k
2021: €267k
2022: €263k
2023: €244k
2024: €242k
2019 → 2025
Total assets
€177k▼ 41.3%
2024 · €302k
2019: €362k
2020: €501k
2021: €782k
2022: €795k
2023: €419k
2024: €302k
2019 → 2025
Solvency
13.1%▼ 75.3pp
2024 · 88.4%
2019: 70.5%
2020: 83.2%
2021: 87.4%
2022: 61.8%
2023: 29.9%
2024: 88.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€683k-€491k▼ 28.1%€125k▼ 74.5%€267k▲ 113%€23k▼ 91.3%
Operating result€333k-€385k▲ 15.6%€308k▼ 19.8%€317k▲ 2.9%€463k▲ 46.1%
Net result€267k-€263k▼ 1.6%€244k▼ 7.0%€242k▼ 1.0%€351k▲ 45.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 46% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €177k
Fixed assets
€44k▼ 28.6%
Current assets
€134k▼ 44.5%
Equity and liabilities €177k
Equity
€23k▼ 91.3%
Debt
€154k▲ 340%
The debt ratio rises from 11.6% to 86.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
13.1%▼
2024 · 88.4%
ROA
198.1%▲
2024 · 80.0%
Debt
€154k▲
2024 · €35k
Debt ≤ 1 year
€153k▲
2024 · €35k
Income taxes
€112k▲
2024 · €75k
A ratio outside any meaningful range has been withheld (balance sheet total €177k, equity €23k).
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€302k€177k▼
Fixed assets21/28€61k€44k▼
Tangible fixed assets22/27€61k€44k▼
Furniture and vehicles24€61k€44k▼
Current assets29/58€241k€134k▼
Amounts receivable within one year40/41€51k€85k▲
Trade receivables40€48k€85k▲
Other amounts receivable41€3k-
Cash at bank and in hand54/58€181k€47k▼
Deferred charges and accrued income490/1€9k€2k▼
Equity and liabilities
Total equity and liabilities10/49€302k€177k▼
Equity10/15€267k€23k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€247k€3k▼
Amounts payable17/49€35k€154k▲
Amounts payable within one year42/48€35k€153k▲
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€30k€35k▲
Taxes450/3€30k€35k▲
Other amounts payable47/48€123€115k▲
Accrued charges and deferred income492/3€481€565▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k=
Other operating charges640/8€724€885▲
Gross operating margin9900€335k€482k▲
Operating profit (loss)9901€317k€463k▲
Financial income75/76B€98-
Recurring financial income75€98-
Financial charges65/66B€198€216▲
Recurring financial charges65€198€216▲
Non-recurring financial charges66B€198€216▲
Profit (loss) for the period before taxes9903€317k€463k▲
Income taxes67/77€75k€112k▲
Profit (loss) for the period9904€242k€351k▲
Profit (loss) for the period to be appropriated9905€242k€351k▲
Appropriation of the result
Profit (loss) to be appropriated9906€347k€598k▲
Profit (loss) brought forward from the previous period14P€105k€247k▲
Profit to be distributed694/7€100k€595k▲
Return on contributions (dividend)694€100k€595k▲
The notes to these accounts (4 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €351k ▲45.3%
Operating result €463k, net result €351k, both a record.
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 6current ratio 6.97
Current ratio from 1.16 to 6.97; short-term debt falls from €293k to €35k.
31-12
Financial
Equity above €200kEq €267k ▲113%
6 profitable years in a row build equity to €267k.
04-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €683k ▲64.1%
3 profitable years in a row build equity to €683k.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €161k ▼31.7%
Net result drops to €161k, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hoegaarden
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.
Klein Overlaar 223320 HoegaardenGround area
784 m²
Building footprint
269 m²
Volume, LiDAR
2,227 m³
Parcel 24041C0397/00H004, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24041C0397/00H004 | Flanders | 784 m² | 1 · 269 m² | 11.7 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
894500U846NSL2XZ0207
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Target
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 7,948 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.