The QCD equation of state at finite temperature and densities of conserved charges is considered in the framework of a Hagedorn bag-like model, incorporating both the finite sizes of hadrons as well as their exponential mass spectrum. Augmented with non-zero masses of quarks and gluons in the bag spectrum, the model yields a fair quantitative description of lattice data on thermodynamic functions, the conserved charges susceptibilities, and Fourier coefficients of net-baryon density. Both at zero and finite baryon densities a broad crossover transition between hadronic and quark-gluon matter is observed. The model thus provides a thermodynamically consistent construction of a crossover equation of state for finite baryon number, electric charge and strangeness chemical potentials, which can be used in fluid dynamical simulations of heavy-ion collisions.