Checked.be
Active
BE 1013.246.657Private limited company
F. LAGO CONSULTING
Rue Harkay 45 ·4400 Flémalle, Belgium· 1 yrs active
Sector: General electrical installation work
(43211)
Conclusion
The computed 12-month bankruptcy probability of F. LAGO CONSULTING is 1.6% (moderate). The 2025 annual accounts show equity of €18k and a net result of €15k. Its solvency ranks better than 48% of 2906 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €18k |
| Net result | €15k |
| Better than sector | 48% |
| Active | 1 yrs |
Financial profile
81
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
78
Profitability
100
Solvency
80
Growth
-
Stability
67
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
78
/ 100
Excellent
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€2k
estimate, not credit advice
Score components
Liquidity
Current ratio 1.72 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.72 (≥ 1.0)
+5
Leverage
Debt/equity 1.39 (< 2.0)
+3
Profitability
ROE 83% (≥ 10%)
+10
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 09-07-2026 with the NBB · fiscal year 2025 · micro schema
Sector comparison
Fiscal year 2025 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 41.8% | 43.3% | |
| Net result | €15k | €13k | |
| Equity | €18k | €44k | |
| Gross operating margin | €27k | €39k | |
| Total assets | €42k | €115k |
Figures by fiscal year and ratios
| Fiscal year | 2025 |
|---|---|
| Deposit | micro schema |
| Revenue | - |
| EBITDA | - |
| Net profit | €15k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €7k |
| Dividends | - |
| Total assets | €42k |
| Equity | €18k |
| Debt | €25k |
| of which ≤ 1y | €25k |
| of which > 1y | - |
| Working capital | €18k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.72 |
| Quick ratio | 1.72 |
| Working capital ratio | 41.8% |
| Solvency | 41.8% |
| Debt / equity | 1.39 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | 34.6% |
| ROE | 83.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (18 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €42k |
| Current assets | 29/58 | €42k |
| Amounts receivable within one year | 40/41 | €40k |
| Cash & bank | 54/58 | €1 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €42k |
| Equity | 10/15 | €18k |
| Contributions / capital | 10/11 | €3k |
| Reserves | 13 | €15k |
| Amounts payable | 17/49 | €25k |
| Amounts payable within one year | 42/48 | €25k |
| Trade debts payable within one year | 44 | €7k |
| Income statement | ||
| Gross operating margin | 9900 | €27k |
| Operating result | 9901 | €25k |
| Financial charges | 65 | €3k |
| Result before taxes | 9903 | €22k |
| Income taxes | 67/77 | €7k |
| Net result for the period | 9904 | €15k |
| Result to be appropriated | 9905 | €15k |
Legal Structure
| NACE primary | General electrical installation work(43211) |
| Legal form | Private limited company(610) |
| Incorporation | 06-09-2024 |
| Status | Active |
| Postal code | 4400 |
Establishment units
F. LAGO CONSULTING
since 20242.363.463.693
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62036B0095/00Z000 | Wallonia | 177 m² | 1 · 51 m² | 10.0 m · 3 fl. |
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.
Updates
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
General electrical installation work43211Business and other management consultancy70200Business consulting70220
Names & trade names
| Legal nameFR | F. LAGO CONSULTING |
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