A.G. CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of A.G. CONSTRUCT is 4.0% (elevated). The 2025 annual accounts show equity of €40,205 and a net result of €599. Equity is growing by ~27.4% per year across the filed fiscal years. Its solvency ranks better than 67% of 2075 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
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Signals
This company filed its last 4 accounts on average 7 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
History
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Financials · fiscal year 2025, full schema
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Peer companies
Historical observationOf the 5,049 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 94% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 4.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,049 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Turnover70 | €143,778 | €78,584 | €162,638 | €74,512 | ▼ 54.2% |
| Goods, raw materials, services and sundry goods60/61 | €123,057 | €73,806 | €143,453 | €73,377 | ▼ 48.8% |
| Remuneration, social security and pensions62 | - | - | €40 | €81 | ▲ 103% |
| Other operating charges640/8 | €300 | - | - | - | - |
| Gross operating margin9900 | €20,721 | €4,778 | €19,184 | €1,135 | ▼ 94.1% |
| Operating profit (loss)9901 | €20,421 | €4,778 | €19,144 | €1,054 | ▼ 94.5% |
| Financial charges65/66B | €815 | €948 | -€695 | €175 | ▲ 125% |
| Recurring financial charges65 | €815 | €64 | €189 | €175 | ▼ 7.3% |
| Non-recurring financial charges66B | - | €884 | -€884 | - | - |
| Profit (loss) for the period before taxes9903 | €19,606 | €3,830 | €19,839 | €878 | ▼ 95.6% |
| Income taxes67/77 | €3,900 | €781 | €3,988 | €279 | ▼ 93.0% |
| Profit (loss) for the period9904 | €15,706 | €3,049 | €15,852 | €599 | ▼ 96.2% |
| Profit (loss) for the period to be appropriated9905 | €15,706 | €3,049 | €15,852 | €599 | ▼ 96.2% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €43,050 | €40,856 | €120,971 | €71,305 | ▼ 41.1% |
| Fixed assets21/28 | €188 | €188 | €188 | €188 | = |
| Financial fixed assets28 | €188 | €188 | €188 | €188 | = |
| Current assets29/58 | €42,862 | €40,668 | €120,782 | €71,117 | ▼ 41.1% |
| Amounts receivable within one year40/41 | €1,298 | €708 | €120,782 | €54,938 | ▼ 54.5% |
| Trade receivables40 | €805 | - | €120,342 | €54,680 | ▼ 54.6% |
| Other amounts receivable41 | €493 | €708 | €440 | €258 | ▼ 41.3% |
| Cash at bank and in hand54/58 | €11,064 | €8,901 | €1 | €125 | ▲ 20,081% |
| Deferred charges and accrued income490/1 | €30,500 | €31,058 | - | €16,054 | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €43,050 | €40,856 | €120,971 | €71,305 | ▼ 41.1% |
| Equity10/15 | €20,706 | €23,754 | €39,606 | €40,205 | ▲ 1.5% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Capital10 | €5,000 | €5,000 | €5,000 | - | - |
| Issued capital100 | €5,000 | €5,000 | €5,000 | - | - |
| Profit (loss) carried forward14 | €15,706 | €18,754 | €34,606 | €35,205 | ▲ 1.7% |
| Amounts payable17/49 | €22,345 | €17,101 | €81,365 | €31,100 | ▼ 61.8% |
| Amounts payable within one year42/48 | €22,345 | €17,101 | €81,365 | €31,100 | ▼ 61.8% |
| Trade debts44 | €423 | €1,349 | €40,349 | €9,768 | ▼ 75.8% |
| Suppliers440/4 | €423 | €1,240 | €3,591 | €9,768 | ▲ 172% |
| Bills of exchange payable441 | - | €109 | €36,758 | - | - |
| Taxes, remuneration and social security45 | €10,185 | €11,383 | €12,938 | €8,441 | ▼ 34.8% |
| Taxes450/3 | €3,900 | €4,681 | €3,900 | €2,741 | ▼ 29.7% |
| Remuneration and social security454/9 | €6,285 | €6,702 | €9,038 | €5,700 | ▼ 36.9% |
| Other amounts payable47/48 | €11,736 | €4,369 | €28,078 | €12,891 | ▼ 54.1% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,706 | €3,049 | €15,852 | €599 | ▼ 96.2% |
| Operating cash flow (approximation) | €15,706 | €3,049 | €15,852 | €599 | ▼ 96.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - |
| Change in cash | - | -€2,163 | -€8,901 | €125 | ▲ 101% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
About the unread acts
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.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21464D0127/00R009 | Brussels | 1,107 m² | 1 · 1,110 m² | 23.0 m · 6 fl. |
Linked by address, not proof of ownership
Similar companies · same sector, comparable size
Identification & contact
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.