STRAGIER JURGEN
ActiveSummary
The computed 12-month bankruptcy probability of STRAGIER JURGEN is 1.8% (moderate). The 2025 annual accounts show equity of €200k and a net result of €37k. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 27786 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-6
Solvency73▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 3.75 against 32.73 in 2024; short-term debt: 12.3% and cash: 35.5% of total assets), but 52.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
47.8%
Return on assets
8.9%
Age of the figures
9 mo
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 08-06-2026, 53 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
53 d early
2024
31 d early
2023
20 d late
2022
115 d early
2021
11 d early
2020
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€200k▼ 2.5%
2024 · €205k
2020: €57k
2021: €94k
2022: €119k
2023: €152k
2024: €205k
2020 → 2025
Total assets
€418k▲ 10.1%
2024 · €379k
2020: €300k
2021: €307k
2022: €312k
2023: €342k
2024: €379k
2020 → 2025
Net result
€37k▼ 30.4%
2024 · €53k
2020: €42k
2021: €37k
2022: €25k
2023: €33k
2024: €53k
2020 → 2025
Working capital
€141k▼ 31.3%
2024 · €206k
2020: €56k
2021: €81k
2022: €101k
2023: €148k
2024: €206k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€119k▲ 26.6%€152k▲ 27.8%€205k▲ 35.2%€200k▼ 2.5%
Operating result€49k-€35k▼ 29.5%€45k▲ 30.4%€85k▲ 86.5%€59k▼ 30.0%
Net result€37k-€25k▼ 31.7%€33k▲ 32.3%€53k▲ 61.8%€37k▼ 30.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €418k
Fixed assets
€226k ▲ 34.7%
Current assets
€192k ▼ 9.2%
Equity and liabilities €418k
Equity
€200k ▼ 2.5%
Debt
€218k ▲ 25.0%
Debt's share of the balance-sheet total rises from 45.9% to 52.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€84k▼
2024 · €109k
Cash flow
€62k▼
2024 · €78k
Current ratio
3.75▼
2024 · 32.73
Quick ratio
3.46▼
2024 · 31.10
Debt to equity
1.09▲
2024 · 0.85
ROE
18.6%▼
2024 · 26.0%
ROA
8.9%▼
2024 · 14.1%
Interest coverage
6.80▼
2024 · 7.91
Debt ≤ 1 year
€51k▲
2024 · €6k
Debt > 1 year
€156k=
2024 · €156k
Income taxes
€13k▼
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€379k€418k▲
Fixed assets21/28€167k€226k▲
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€165k€224k▲
Land and buildings22€139k€140k▲
Plant, machinery and equipment23€7k€68k▲
Furniture and vehicles24€19k€16k▼
Current assets29/58€212k€192k▼
Stocks and contracts in progress3€11k€15k▲
Stocks30/36€11k€15k▲
Amounts receivable within one year40/41€9k€28k▲
Trade receivables40€5k€20k▲
Other amounts receivable41€4k€8k▲
Cash at bank and in hand54/58€191k€148k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€379k€418k▲
Equity10/15€205k€200k▼
Contributions10/11€15k€15k=
Reserves13€190k€185k▼
Distributable reserves133€190k€185k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€174k€218k▲
Amounts payable after more than one year17€156k€156k=
Financial debts170/4€156k€156k=
Amounts payable within one year42/48€6k€51k▲
Trade debts44€149€1k▲
Suppliers440/4€149€1k▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€3k€46k▲
Accrued charges and deferred income492/3€12k€11k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€25k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€111k€87k▼
Operating profit (loss)9901€85k€59k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€14k€12k▼
Recurring financial charges65€14k€12k▼
Profit (loss) for the period before taxes9903€74k€50k▼
Income taxes67/77€21k€13k▼
Profit (loss) for the period9904€53k€37k▼
Profit (loss) for the period to be appropriated9905€53k€37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€37k▼
Transfer from equity791/2-€42k
Transfer to equity691/2€53k€37k▼
To other reserves6921€53k€37k▼
Profit to be distributed694/7-€42k
Return on contributions (dividend)694-€42k
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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €53k ▲61.8%
Operating result €85k, net result €53k, both a record.
31-12
Financial
Equity above €200kEq €205k ▲35.2%
5 profitable years in a row build equity to €205k.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Equity above €150kEq €152k ▲27.8%
4 profitable years in a row build equity to €152k.
07-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €25k ▼31.7%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 9.39
Current ratio from 3.51 to 9.39; short-term debt falls from €32k to €12k.
31-12
Financial
Equity above €100kEq €119k ▲26.6%
3 profitable years in a row build equity to €119k.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 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, Wervik · 1 establishment unit since 2020
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.
Ieperstraat 1618940 WervikGround area
2,208 m²
Building footprint
365 m²
Parcel 33009C0691/00M002, Flanders. Linked by address, not a title deed.
1 establishment unit
STRAGIER JURGEN
since 20202.297.473.704
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33009C0691/00M002 | Flanders | 2,208 m² | 1 · 365 m² | - |
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 · 1,995 EUR awarded · 1,785 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,258 EUR | 1,258 EUR |
| 2024 | 1 | 309 EUR | 99 EUR |
| 2023 | 1 | 164 EUR | 164 EUR |
| 2022 | 1 | 264 EUR | 264 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 4,820 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
43221Plumbing work
43240Other construction installation
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.