Argo Groepspraktijk
ActiveArgo Groepspraktijk has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €-16k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 91% of 1363 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
22
/ 100
Critical▼ -38 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency67▼-28
Growth52=
Stability94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.49 against 1.78 in 2024), and 12.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
8 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
87.9%
Return on assets
-19.7%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year -€16k
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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
9 d early
2022
31 d late
2021
18 d late
2020
61 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€74k▼ 18.3%
2024 · €90k
2020: €-1k
2021: €-9k
2022: €-18k
2023: €103k
2024: €90k
2020 → 2025
Total assets
€84k▼ 14.1%
2024 · €97k
2020: €3k
2021: €4k
2022: €15k
2023: €103k
2024: €97k
2020 → 2025
Net result
€-16k▼ 31.2%
2024 · €-13k
2020: €-5k
2021: €-7k
2022: €-9k
2023: €-24k
2024: €-13k
2020 → 2025
Working capital
€-5k
2024 · €3k
2020: €-895
2021: €-11k
2022: €-20k
2023: €8k
2024: €3k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-9k-€-18k▼ 110%€103k€90k▼ 12.2%€74k▼ 18.3%
Operating result€-7k-€-9k▼ 28.6%€-24k▼ 157%€-12k▲ 49.6%€-16k▼ 33.8%
Net result€-7k-€-9k▼ 28.5%€-24k▼ 155%€-13k▲ 48.2%€-16k▼ 31.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €16k in 2025 against €12k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€79k▼ 12.0%
Current assets
€5k▼ 38.3%
Equity and liabilities €84k
Equity
€74k▼ 18.3%
Debt
€10k▲ 38.0%
The debt ratio rises from 7.5% to 12.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-6k▼
2024 · €-2k
Cash flow
€-6k▼
2024 · €-2k
Solvency
87.9%▼
2024 · 92.5%
Current ratio
0.49▼
2024 · 1.78
Quick ratio
0.49▼
2024 · 1.78
Debt / equity
0.14▲
2024 · 0.08
ROE
-22.4%▼
2024 · -13.9%
ROA
-19.7%▼
2024 · -12.9%
Interest coverage
-27.03▼
2024 · -4.05
Debt
€10k▲
2024 · €7k
Debt ≤ 1 year
€10k▲
2024 · €4k
Staff costs
€0▼
2024 · €45
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
Balance sheet
Code2025
Total assets
20/58€84k
Fixed assets
21/28€79k
Intangible fixed assets
21€455
Tangible fixed assets
22/27€77k
Financial fixed assets
28€2k
Current assets
29/58€5k
Amounts receivable within one year
40/41€4k
Cash & bank
54/58€982
Total equity & liabilities
10/49€84k
Equity
10/15€74k
Contributions / capital
10/11€149k
Accumulated profits (losses)
14€-75k
Amounts payable
17/49€10k
Amounts payable within one year
42/48€10k
Trade debts payable within one year
44€2k
Income statement
Code2025
Gross operating margin
9900€-5k
Operating result
9901€-16k
Financial income
75€5
Financial charges
65€205
Result before taxes
9903€-16k
Net result for the period
9904€-16k
Result to be appropriated
9905€-16k
This is the latest fiscal year. 5 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 50current ratio 19.43
Current ratio from 0.39 to 19.43; short-term debt falls from €33k to €435.
31-12
Financial
Equity above €100kEq €103k
Equity rises from €-18k to €103k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
VERKO
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ELIMO
BE 0683.468.334
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WELCARBU
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AUTHENTIC BLEND
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Of 11,999 companies in sector 68203 we hold annual accounts for 5,662. 3,302 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2020
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
86905Human health activities
86951Physiotherapy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 01-08-2026. Scores and ratios are computed by Checked and are not a credit decision.