STROGEMA
ActiveSTROGEMA has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €-2k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 95% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▼-84
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
short-term debt: 0.3% and cash: 0% of total assets, and 0.3% 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+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 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
28 d late
2023
48 d early
2022
31 d late
2021
31 d late
2020
60 d late
2019
91 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-2k
2024 · €27k
2018: €22k
2019: €-628
2020: €17k
2021: €-22k
2022: €-4k
2023: €-2k
2024: €27k
2018 → 2025
Working capital
€94k▼ 1.8%
2024 · €96k
2018: €56k
2019: €60k
2020: €38k
2021: €35k
2022: €71k
2023: €69k
2024: €96k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€78k-€74k▼ 5.3%€71k▼ 3.3%€98k▲ 37.6%€96k▼ 2.1%
Operating result€-22k-€-5k▲ 79.4%€-4k▲ 19.2%€27k€-2k
Net result€-22k-€-4k▲ 81.4%€-2k▲ 41.1%€27k€-2k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €27k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €96k
Fixed assets
€2k▼ 17.5%
Current assets
€94k▼ 2.9%
Equity and liabilities €96k
Equity
€96k▼ 2.1%
Debt
€253▼ 80.7%
The debt ratio falls from 1.3% to 0.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-2k▼
2024 · €27k
Cash flow
€-2k▼
2024 · €27k
Solvency
99.7%▲
2024 · 98.7%
Debt / equity
0.00▼
2024 · 0.01
ROE
-2.2%▼
2024 · 27.3%
ROA
-2.2%▼
2024 · 26.9%
Interest coverage
-61.15▼
2024 · 272.61
Debt
€253▼
2024 · €1k
Debt ≤ 1 year
€253▼
2024 · €1k
A ratio outside any meaningful range has been withheld (balance sheet total €96k, equity €96k).
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€99k€96k▼
Fixed assets21/28€2k€2k▼
Intangible fixed assets21€180-
Tangible fixed assets22/27€2k€2k▼
Land and buildings22€2k€2k▼
Current assets29/58€97k€94k▼
Amounts receivable within one year40/41€92k€94k▲
Trade receivables40€92€92=
Other amounts receivable41€92k€94k▲
Cash at bank and in hand54/58€5k€41▼
Equity and liabilities
Total equity and liabilities10/49€99k€96k▼
Equity10/15€98k€96k▼
Contributions10/11€12k€12k=
Reserves13€88k€88k=
Distributable reserves133€88k€88k=
Profit (loss) carried forward14€-3k€-5k▼
Amounts payable17/49€1k€253▼
Amounts payable within one year42/48€1k€253▼
Trade debts44-€248
Suppliers440/4-€248
Taxes, remuneration and social security45€1k€5▼
Taxes450/3€1k€5▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€340€340=
Other operating charges640/8€426€400▼
Gross operating margin9900€28k€-1k▼
Operating profit (loss)9901€27k€-2k▼
Financial charges65/66B€100€28▼
Recurring financial charges65€100€28▼
Profit (loss) for the period before taxes9903€27k€-2k▼
Profit (loss) for the period9904€27k€-2k▼
Profit (loss) for the period to be appropriated9905€27k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-5k▼
Profit (loss) brought forward from the previous period14P€-29k€-3k▲
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Liquidity times 5current ratio 373.06
Current ratio from 73.98 to 373.06; short-term debt falls from €1k to €253.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Back to profitnet €27k
Net result €27k after 3 loss-making years.
31-12
Financial
Liquidity times 5current ratio 73.98
Current ratio from 16.01 to 73.98; short-term debt falls from €5k to €1k.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-22k ▼234%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 18current ratio 36.00
Current ratio from 2.05 to 36.00; short-term debt falls from €36k to €1k.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 7.97
Current ratio from 3.55 to 7.97; short-term debt falls from €22k to €9k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Tournai · 1 establishment unit since 2015
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.
Rue Montifaut(TOU) 717500 TournaiGround area
3,744 m²
Building footprint
344 m²
Volume, LiDAR
2,074 m³
2 parcels, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Montifaut(TOU) 73, 7500 Tournai
since 20152.238.828.294
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57462A0066/00K003 | Wallonia | 2,446 m² | 1 · 201 m² | 8.1 m · 2 fl. |
| 57462A0066/00H003 | Wallonia | 1,298 m² | 1 · 142 m² | 8.5 m · 2 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.
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,532 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.