Active BE 0804.617.176Private limited company

A&G BUILD SERVICE

Assesteenweg 116 A ·1740 Ternat, Belgium· 3 yrs active

Sector: Algemene bouw van residentiële gebouwen (41001)

Conclusion Checked

The computed 12-month bankruptcy probability of A&G BUILD SERVICE is 2.9% (moderate). The 2024 annual accounts show equity of €7k and a net result of €5k. Its solvency ranks better than 16% of 3838 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Key figures

Equity	€7k
Net result	€5k
Better than sector	16%
Active	3 yrs

Financial profile 4 of 5 axes measured · computed by Checked

57 / 100

Mixed profile: strong on profitability, weaker on solvency.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 43

Profitability 100

Solvency 6

Growth -

Stability 79

Bankruptcy probability (12 mo) Checked model v1 · free

2.9% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

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.

Health barometer FY 2024 · computed

43 / 100 Weak

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview1 NBB filings

Annual accounts filed on 01-09-2025 with the NBB · fiscal year 2024 · micro

Sector comparison

Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	6.7%	39.5%	better than 16% of 3838 sector peers
Net result	€5k	€9k	better than 41% of 3834 sector peers
Equity	€7k	€29k	better than 22% of 3843 sector peers
Gross operating margin	€34k	€26k	better than 57% of 3831 sector peers
Staff costs	€8k	€16k	higher than 42% of 1129 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€18k
Net profit	€5k
Cash flow	€18k
Staff costs	€8k
Income taxes	-
Dividends	-
Total assets	€112k
Equity	€7k
Debt	€104k
of which ≤ 1y	€104k
of which > 1y	-
Working capital	€-42k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.60
Quick ratio	0.60
Working capital ratio	-37.7%
Solvency	6.7%
Debt / equity	13.90
Long-term debt ratio	-
Interest coverage	284.58
Gross margin	-
Net margin	-
ROA	4.9%
ROE	73.3%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €50k · 44.4% Current assets €62k · 55.6%

Equity & liabilities

Equity €7k · 6.7% Debt €104k · 93.3%

Full annual accounts (19 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€112k
Fixed assets	21/28	€50k
Tangible fixed assets	22/27	€50k
Current assets	29/58	€62k
Amounts receivable within one year	40/41	€54k
Cash & bank	54/58	€8k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€112k
Equity	10/15	€7k
Contributions / capital	10/11	€2k
Accumulated profits (losses)	14	€5k
Amounts payable	17/49	€104k
Amounts payable within one year	42/48	€104k
Trade debts payable within one year	44	€91k
Income statement
Gross operating margin	9900	€34k
Operating result	9901	€6k
Financial charges	65	€63
Result before taxes	9903	€5k
Net result for the period	9904	€5k
Result to be appropriated	9905	€5k

Ratios computed by Checked.

Directors & mandates 3 directors

Directors derived from a single State Gazette act, under verification

All 3 current directors first appear in the same act (25114284). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

CAZAN STEFAN FLORIN
Director
State Gazette act 25114284 (10-09-2025)

Current
31-08-2025 → present
Deryckx Gaëtan
Director
State Gazette act 25114284 (10-09-2025)

Current
31-08-2025 → present
El Hattab EI Ibrahimi Aymane
Director
State Gazette act 25114284 (10-09-2025)

Current
31-08-2025 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Algemene bouw van residentiële gebouwen(41001)
Legal form	Private limited company(610)
Incorporation	07-08-2023
Status	Active
Postal code	1740

Establishment units 1 location

Rue de Nalinnes 531, 6001 Charleroi

Algemene bouw van residentiële gebouwen

since 20232.348.351.390

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (50%) Wallonia 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23086A0354/00K002	Flanders	82 m²	1 · 58 m²	10.3 m · 3 fl.
52392D0102/00X000	Wallonia	78 m²	1 · 85 m²	-

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

10-09-2025

State Gazette act Capital & shares

01-09-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

Belgian State Gazette reading coverage 0 of 2 acts read

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.

Belgisch Staatsblad, acts 1 acts

Capital history · 1

10-09-2025

Capital change

All acts · 1 updated 11 months ago

2025

10-09-2025 Transaction in capital or shares Capital & shares

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Algemene reiniging van gebouwen81210Algemene reiniging van gebouwen81210Groothandel in auto's en lichte bestelwagens (= 3,5 ton)45111Handelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)45112Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Handelsbemiddeling in de groothandel in andere specifieke goederen46180Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)46711Bouwmarkten en andere doe-het-zelfzaken in bouwmaterialen, algemeen assortiment47521Detailhandel in ijzerwaren, bouwmaterialen, verf en glas (algemeen assortiment)47521Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811

Primary activity highlighted.

Names & trade names

Legal nameNL

A&G BUILD SERVICE

Registered office

Assesteenweg 116 A

1740 Ternat, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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