STRAGIER VERZEKERINGEN
ActiveSTRAGIER VERZEKERINGEN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-45k) and a net result of €-51k. Equity is shrinking by ~367.7% per year across the filed fiscal years. Its solvency ranks better than 6% of 2429 sector peers (fiscal year 2025). The company has been active since 2022 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 6% of 2429 sector peers (2025).
NBB · sector comparisonPosition among 2429 sector peers
Solvency
better than 6%
← 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 30-06-2026, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
31 d early
2024
77 d late
2023
30 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-45k
2024 · €7k
2023: €5k
2024: €7k
2023 → 2025
Net result
€-51k
2024 · €2k
2023: €73
2024: €2k
2023 → 2025
Total assets
€530k▼ 14.1%
2024 · €617k
2023: €647k
2024: €617k
2023 → 2025
Solvency
-8.4%▼ 9.5pp
2024 · 1.1%
2023: 0.8%
2024: 1.1%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€5k-€7k▲ 33.1%€-45k
Operating result€22k-€24k▲ 6.4%€-36k
Net result€73-€2k▲ 2,192%€-51k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €36k after €24k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €530k
Fixed assets
€378k▼ 20.0%
Current assets
€152k▲ 5.1%
Key figures and ratios
Solvency
-8.4%▼
2024 · 1.1%
ROA
-9.7%▼
2024 · 0.3%
Debt
€574k▼
2024 · €610k
Debt ≤ 1 year
€95k▲
2024 · €82k
Debt > 1 year
€479k▼
2024 · €528k
Income taxes
€440▼
2024 · €4k
Staff costs
€151k▲
2024 · €138k
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€617k€530k▼
Fixed assets21/28€472k€378k▼
Intangible fixed assets21€440k€352k▼
Tangible fixed assets22/27€33k€26k▼
Furniture and vehicles24€33k€26k▼
Current assets29/58€144k€152k▲
Current investments50/53€0-
Cash at bank and in hand54/58€64k€80k▲
Deferred charges and accrued income490/1€80k€72k▼
Equity and liabilities
Total equity and liabilities10/49€617k€530k▼
Equity10/15€7k€-45k▼
Contributions10/11€5k€5k=
Reserves13€2k€0▼
Distributable reserves133€2k€0▼
Profit (loss) carried forward14-€-50k
Amounts payable17/49€610k€574k▼
Amounts payable after more than one year17€528k€479k▼
Financial debts170/4€528k€479k▼
Amounts payable within one year42/48€82k€95k▲
Current portion of amounts payable after more than one year42€47k€49k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€8k€10k▲
Suppliers440/4€8k€10k▲
Taxes, remuneration and social security45€18k€28k▲
Taxes450/3€4k€4k▲
Remuneration and social security454/9€14k€24k▲
Other amounts payable47/48€9k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€138k€151k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€96k€97k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€261k€216k▼
Operating profit (loss)9901€24k€-36k▼
Financial income75/76B€297€1k▲
Recurring financial income75€297€1k▲
Financial charges65/66B€19k€16k▼
Recurring financial charges65€19k€16k▼
Profit (loss) for the period before taxes9903€6k€-51k▼
Income taxes67/77€4k€440▼
Profit (loss) for the period9904€2k€-51k▼
Profit (loss) for the period to be appropriated9905€2k€-51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-51k▼
Transfer from equity791/2-€2k
Transfer to equity691/2€2k€0▼
To other reserves6921€2k€0▼
The notes to these accounts (10 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-51k ▼3154%
Net result drops to €-51k, the lowest in the series.
16-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 77 days late
2024
31-12
Financial
Highest result since 2023net €2k ▲2192%
Operating result €24k, net result €2k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Roeselare · 1 establishment unit since 2022
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.
Rijselstraat 9/A8800 RoeselareGround area
2,585 m²
Building footprint
905 m²
Volume, LiDAR
7,069 m³
Parcel 36502B0395/00N000, Flanders · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STRAGIER VERZEKERINGEN
since 20222.337.803.037
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36502B0395/00N000 | Flanders | 2,585 m² | 1 · 905 m² | 13.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 757 EUR awarded · 757 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 219 EUR | 219 EUR |
| 2024 | 1 | 135 EUR | 135 EUR |
| 2023 | 1 | 343 EUR | 343 EUR |
| 2022 | 1 | 60 EUR | 60 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,682 companies in sector 66220 we hold annual accounts for 3,227. 747 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2022
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.