SAGAU CONSULTING
ActiveSAGAU CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €802k and a net result of €210k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 82% of 7889 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
81 d late
2023
92 d late
2022
65 d late
2021
30 d late
2020
31 d late
2019
103 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€802k▲ 35.5%
2024 · €592k
2018: €113k
2019: €185k
2020: €288k
2021: €508k
2022: €522k
2023: €525k
2024: €592k
2018 → 2025
Net result
€210k▲ 79.7%
2024 · €117k
2018: €66k
2019: €87k
2020: €140k
2021: €292k
2022: €41k
2023: €82k
2024: €117k
2018 → 2025
Total assets
€954k▲ 25.8%
2024 · €758k
2018: €224k
2019: €254k
2020: €579k
2021: €882k
2022: €758k
2023: €704k
2024: €758k
2018 → 2025
Solvency
84.1%▲ 6.0pp
2024 · 78.1%
2018: 50.6%
2019: 72.8%
2020: 49.7%
2021: 57.6%
2022: 68.9%
2023: 74.6%
2024: 78.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€508k-€522k▲ 2.7%€525k▲ 0.7%€592k▲ 12.7%€802k▲ 35.5%
Operating result€386k-€92k▼ 76.3%€110k▲ 20.6%€164k▲ 48.6%€299k▲ 82.4%
Net result€292k-€41k▼ 86.0%€82k▲ 102%€117k▲ 42.2%€210k▲ 79.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 82% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €954k
Fixed assets
€814k▲ 81.2%
Current assets
€140k▼ 54.8%
Equity and liabilities €954k
Equity
€802k▲ 35.5%
Debt
€152k▼ 8.6%
The debt ratio falls from 21.9% to 15.9%: equity grows while debt is paid down.
Key figures and ratios
Solvency
84.1%▲
2024 · 78.1%
ROE
26.2%▲
2024 · 19.7%
ROA
22.0%▲
2024 · 15.4%
Debt
€152k▼
2024 · €166k
Debt ≤ 1 year
€131k▲
2024 · €114k
Debt > 1 year
€21k▼
2024 · €52k
Income taxes
€85k▲
2024 · €46k
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€758k€954k▲
Fixed assets21/28€449k€814k▲
Intangible fixed assets21€2k€587▼
Tangible fixed assets22/27€432k€798k▲
Land and buildings22€339k€704k▲
Furniture and vehicles24€93k€94k▲
Financial fixed assets28€16k€16k=
Current assets29/58€309k€140k▼
Amounts receivable within one year40/41€135k€46k▼
Trade receivables40€110k€32k▼
Other amounts receivable41€25k€13k▼
Cash at bank and in hand54/58€174k€94k▼
Deferred charges and accrued income490/1€50€50=
Equity and liabilities
Total equity and liabilities10/49€758k€954k▲
Equity10/15€592k€802k▲
Contributions10/11€19k€19k=
Reserves13€389k€544k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€147k€253k▲
Distributable reserves133€240k€290k▲
Profit (loss) carried forward14€184k€239k▲
Amounts payable17/49€166k€152k▼
Amounts payable after more than one year17€52k€21k▼
Financial debts170/4€52k€21k▼
Amounts payable within one year42/48€114k€131k▲
Current portion of amounts payable after more than one year42€31k€31k=
Financial debts43€10k€10k▲
Credit institutions430/8€10k€10k▲
Trade debts44€8k€9k▲
Suppliers440/4€8k€9k▲
Taxes, remuneration and social security45€56k€66k▲
Taxes450/3€56k€66k▲
Other amounts payable47/48€9k€15k▲
Accrued charges and deferred income492/3€33€33=
Income statement
Code20242025
Non-recurring operating income76A-€46k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€128k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€10k
Other operating charges640/8€3k€3k▼
Gross operating margin9900€227k€439k▲
Operating profit (loss)9901€164k€299k▲
Financial income75/76B€50€2▼
Recurring financial income75€50€2▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€163k€295k▲
Income taxes67/77€46k€85k▲
Profit (loss) for the period9904€117k€210k▲
Transfer to tax-exempt reserves689€63k€105k▲
Profit (loss) for the period to be appropriated9905€54k€105k▲
Appropriation of the result
Profit (loss) to be appropriated9906€234k€289k▲
Profit (loss) brought forward from the previous period14P€181k€184k▲
Transfer from equity791/2€50k-
Transfer to equity691/2€50k€50k=
To other reserves6921€50k€50k=
Profit to be distributed694/7€50k-
Directors or managers695€50k-
The notes to these accounts (11 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
08-01
State Gazette act
Written resolution · Director resignation
Director appointment · Permanent representative
08-01
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 81 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
31-12
Financial
Weakest financial yearnet €41k ▼86%
Net result drops to €41k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €292k ▲108%
Operating result €386k, net result €292k, both a record.
31-12
Financial
Equity above €500kEq €508k ▲76.6%
4 profitable years in a row build equity to €508k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €200kEq €288k ▲55.8%
3 profitable years in a row build equity to €288k.
11-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 103 days late
2019
31-12
Financial
Equity above €150kEq €185k ▲62.6%
2 profitable years in a row build equity to €185k.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Martens-Latem · 1 establishment unit since 2012
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.
George Minnelaan 339830 Sint-Martens-LatemGround area
1,127 m²
Building footprint
220 m²
Volume, LiDAR
790 m³
Parcel 44064B0856/00D000, Flanders · tallest building 13.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SAGAU CONSULTING
since 20122.240.457.302
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0856/00D000 | Flanders | 1,127 m² | 1 · 220 m² | 13.3 m · 1 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 24,644 companies in sector 64210 we hold annual accounts for 19,635. 13,102 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.