SAGICO
ActiveSAGICO has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.49M and a net result of €93k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 72% of 8479 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability31▼-33
Solvency67=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity short (current ratio 0.15 against 0.13 in 2024), and 23.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
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
76.5%
Return on assets
4.8%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 15-09-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
49 d early
2023
41 d early
2022
39 d early
2021
11 d early
2020
42 d early
2019
49 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close08-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€93k▼ 49.4%
2024 · €184k
2019: €11k
2020: €5k
2021: €186k
2022: €148k
2023: €281k
2024: €184k
2019 → 2025
Working capital
€-391k▼ 8.1%
2024 · €-361k
2019: €-426k
2020: €-558k
2021: €-591k
2022: €-649k
2023: €-461k
2024: €-361k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€931k-€979k▲ 5.1%€1.26M▲ 28.7%€1.44M▲ 14.6%€1.49M▲ 3.0%
Operating result€64k-€52k▼ 19.0%€145k▲ 181%€88k▼ 39.1%€31k▼ 64.7%
Net result€186k-€148k▼ 20.4%€281k▲ 90.2%€184k▼ 34.6%€93k▼ 49.4%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 65% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.94M
Fixed assets
€1.88M=
Current assets
€66k▲ 24.1%
Equity and liabilities €1.94M
Equity
€1.49M▲ 3.0%
Debt
€458k▼ 6.2%
The debt ratio falls from 25.3% to 23.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
76.5%▲
2024 · 74.7%
Current ratio
0.15▲
2024 · 0.13
Quick ratio
0.15▲
2024 · 0.13
Debt / equity
0.31▼
2024 · 0.34
ROE
6.3%▼
2024 · 12.7%
ROA
4.8%▼
2024 · 9.5%
Debt
€458k▼
2024 · €488k
Debt ≤ 1 year
€457k▲
2024 · €415k
Debt > 1 year
€0▼
2024 · €72k
Income taxes
€6k▼
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.93M€1.94M▲
Fixed assets21/28€1.88M€1.88M=
Financial fixed assets28€1.88M€1.88M=
Current assets29/58€54k€66k▲
Amounts receivable within one year40/41€14k€27k▲
Other amounts receivable41€14k€27k▲
Cash at bank and in hand54/58€37k€38k▲
Deferred charges and accrued income490/1€2k€2k=
Equity and liabilities
Total equity and liabilities10/49€1.93M€1.94M▲
Equity10/15€1.44M€1.49M▲
Contributions10/11€388k€388k=
Reserves13€1.06M€1.10M▲
Distributable reserves133€1.06M€1.10M▲
Profit (loss) carried forward14-€0
Amounts payable17/49€488k€458k▼
Amounts payable after more than one year17€72k€0▼
Financial debts170/4€72k€0▼
Amounts payable within one year42/48€415k€457k▲
Current portion of amounts payable after more than one year42€84k€72k▼
Financial debts43€10k€10k▲
Credit institutions430/8€10k€10k▲
Trade debts44€6k€6k▲
Suppliers440/4€6k€6k▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€315k€369k▲
Accrued charges and deferred income492/3€670€670=
Income statement
Code20242025
Other operating charges640/8€960€986▲
Gross operating margin9900€89k€32k▼
Operating profit (loss)9901€88k€31k▼
Financial income75/76B€125k€75k▼
Recurring financial income75€125k€75k▼
Financial charges65/66B€10k€7k▼
Recurring financial charges65€10k€7k▼
Profit (loss) for the period before taxes9903€203k€99k▼
Income taxes67/77€20k€6k▼
Profit (loss) for the period9904€184k€93k▼
Profit (loss) for the period to be appropriated9905€184k€93k▼
Appropriation of the result
Profit (loss) to be appropriated9906€184k€93k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€184k€43k▼
To other reserves6921€184k€43k▼
Profit to be distributed694/7-€50k
Return on contributions (dividend)694-€50k
The notes to these accounts (13 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
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
12-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Highest result since 2019net €281k ▲90.2%
Net result €281k, the highest in the series.
31-03
Financial
Equity above €1MEq €1.26M ▲28.7%
5 profitable years in a row build equity to €1.26M.
2022
22-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
20-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
19-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
31-03
Financial
Weakest financial yearnet €5k ▼54.6%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
2019
12-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Zaventem · 1 establishment unit since 2005
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.
Lenneke Marelaan 61932 ZaventemGround area
6,351 m²
Building footprint
2,283 m²
Volume, LiDAR
54,168 m³
Parcel 23078C0183/00Z000, Flanders · tallest building 30.1 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
SAGICO
since 20052.147.862.981
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23078C0183/00Z000 | Flanders | 6,351 m² | 1 · 2,283 m² | 30.1 m · 8 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 82,127 companies in sector 70200 we hold annual accounts for 52,337. 23,364 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2005
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
71121Engineering and related technical consultancy, excluding land surveyors
73200Market research and public opinion polling
73300Public relations and communication consultancy
74131
74141
74151
74203
74501
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.