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Complete company report
Generated 04-08-2026
Active BE 0761.538.288Private limited companyOpen bankruptcy

A&G Group

· 5 yrs active
Sector: Retail trade (47241)
Conclusion Checked

A bankruptcy procedure is open for A&G Group according to publications in the Belgian State Gazette. The 2022 annual accounts show equity of €22k and a net result of €24k.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €22k
Net result €24k
Better than sector 49%
Active 5 yrs
Snowflake analysis 5 axes · computed by Checked
Health0Profitability100Solvency13Growth78Stability0
38 / 100

Fragile profile, watch health in particular.

Health 0
Profitability 100
Solvency 13
Growth 78
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
50 / 100
High risk
Components
· Open bankruptcy (+50)
Trust signals 1 signals
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags 0 events
No administrative flags
Health barometer FY 2022 · computed
0 / 100 Critical
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 03-07-2023 with the NBB · fiscal year 2022 · micro
€-10k€0€10k€20k€30kOperating result 2021: €-2k€-2kNet result 2021: €-2k€-2kOperating result 2022: €30k€30kNet result 2022: €24k€24k20212022
Operating resultNet result
Sector comparison
Fiscal year 2022 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 19.4% 19.9%
better than 49% of 4272 sector peers
Net result €24k €3k
better than 80% of 4260 sector peers
Equity €22k €14k
better than 59% of 4280 sector peers
Gross operating margin €51k €19k
better than 70% of 4250 sector peers
Staff costs €16k €30k
higher than 33% of 1873 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€34k
- -44% vs sector
Net profit
€24k
- +100% vs sector
Cash flow
€28k
- -44% vs sector
Total assets
€115k
+38751.5% -18% vs sector
Equity
€22k
- -78% vs sector
Working capital
€-58k
-3835.1% far below sector median
Staff costs
€16k
- -72% vs sector
Income taxes
€6k
- -42% vs sector
Debt
€93k
+5165.2% +263% vs sector
Debt ≤ 1y
€93k
+5165.2% +263% vs sector
Current ratio
0.38
+125.0% -93% vs sector
Quick ratio
0.38
+125.0% -93% vs sector
Solvency
19.4%
- -76% vs sector
Debt / equity
4.15
- far above sector median
ROE
106.6%
-36.7% far above sector median
ROA
20.7%
- +271% vs sector
Interest coverage
46.51
- far above sector median
Figures by fiscal year
Fiscal year2022
Revenue-
EBITDA€34k
Net profit€24k
Cash flow€28k
Staff costs€16k
Income taxes€6k
Dividends-
Total assets€115k
Equity€22k
Debt€93k
of which ≤ 1y€93k
of which > 1y-
Working capital€-58k
Employees (FTE)-
Ratios (computed)
2022
Current ratio0.38
Quick ratio0.38
Working capital ratio-50.1%
Solvency19.4%
Debt / equity4.15
Long-term debt ratio-
Interest coverage46.51
Gross margin-
Net margin-
ROA20.7%
ROE106.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2022
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2022
Balance sheet, Assets
TOTAL ASSETS 20/58€115k
Fixed assets 21/28€80k
Intangible fixed assets 21€47k
Tangible fixed assets 22/27€32k
Current assets 29/58€35k
Amounts receivable within one year 40/41€30k
Cash & bank 54/58€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€115k
Equity 10/15€22k
Contributions / capital 10/11€1k
Accumulated profits (losses) 14€21k
Amounts payable 17/49€93k
Amounts payable within one year 42/48€93k
Trade debts payable within one year 44€81k
Income statement
Gross operating margin 9900€51k
Operating result 9901€30k
Financial income 75€546
Financial charges 65€726
Result before taxes 9903€30k
Income taxes 67/77€6k
Net result for the period 9904€24k
Result to be appropriated 9905€24k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates2 persons
Role Name Tenure Source
Curator LISA HEUNINCK
VIJFSTRATEN 57-59, 9100 SINT- NIKLAAS
 18-12-2023 → present Belgian State Gazette
Curator ELKE M.J. GOOSSENS
VIJFSTRATEN 57, 9100 SINT-NIKLAAS-
 18-12-2023 → present Belgian State Gazette
Legal Structure
NACE primary Retail trade(47241)
Legal form Private limited company(610)
Incorporation13-01-2021
StatusActive
Postal code-
First BS signal 12-02-2024
Latest BS signal 12-02-2024
Company structure, linked entities2 linked entities
A&G GroupBE 0761.538.288LISA HEUNINCKReceiverELKE M.J. GOOSSENSReceiver
Mandates
Establishment units 1 location
La Casa De Schutter
Ertbrandstraat 185, 2950 KapellenAmbachtelijke vervaardiging van brood, broodjes, verse cakes, taarten en ander vers banketbakkerswerk door warme bakkers
since 20212.312.701.021
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 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46022A0161/00C000
ProtectedTownscape or village viewDorpskom Sint-PauwelsSource ↗
 Flanders 540 m² 1 · 257 m² 9.1 m · 1 fl.
11023A0263/00V000 Flanders 421 m² 1 · 266 m² 9.0 m · 1 fl.
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Updates 8 events

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

2024
12-02-2024
Bankruptcy Opening
Ondernemingsrechtbank Gent, afdeling Dendermonde · A&G GROUP BV DRIES(SP) 5, 9170 SINT-GILLIS-WAAS · event 18-12-2023
2023
27-07-2023
State Gazette act Registered-office change
03-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
31-05-2023
State Gazette act Registered-office change
03-05-2023
State Gazette act Registered-office change
2022
16-07-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
29-06-2022
State Gazette act Registered-office change
16-03-2022
State Gazette act Registered-office change
Lifecycle & Insolvency Signals 1 events
12-02-2024
Bankruptcy Opening
Date: 18-12-2023 · Ondernemingsrechtbank Gent, afdeling Dendermonde · A&G GROUP BV DRIES(SP) 5, 9170 SINT-GILLIS-WAAS · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262024-02-12 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 5 acts
Address history · 5
27-07-2023
Registered-office move
31-05-2023
Registered-office move
03-05-2023
Registered-office move
29-06-2022
Registered-office move
16-03-2022
Registered-office move
All acts · 5 updated 3 years ago
2023
27-07-2023 Registered office moved from Kapellen to Sint-Pauwels Registered-office change
  • Ertbrandstraat 185 2950 Kapellen → Dries 5 te 9170 Sint-Pauwels
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Dries 5 te 9170 Sint-Pauwels",
        "city": "Sint-Pauwels",
        "region": "vlaams_gewest",
        "street": "Dries",
        "country": "BE",
        "postcode": "9170",
        "box_number": null,
        "street_number": "5",
        "locality_suffix": "Sint-Pauwels"
      },
      "old_address": {
        "raw": "Ertbrandstraat 185 2950 Kapellen",
        "city": "Kapellen",
        "region": "vlaams_gewest",
        "street": "Ertbrandstraat",
        "country": "BE",
        "postcode": "2950",
        "box_number": null,
        "street_number": "185",
        "locality_suffix": null
      },
      "effective_date": "2023-07-03",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Antwerpen",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2023-07-27",
    "filing_date": "2023-07-03",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "bijzondere_algemene_vergadering",
    "date": "2023-07-03",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0761.538.288",
    "name_full": "A\u0026G GROUP",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": []
}
31-05-2023 Registered office moved to Kapellen Registered-office change
  • 2950 Kapellen, Ertbrandstraat 185
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "2950 Kapellen, Ertbrandstraat 185",
        "city": "Kapellen",
        "region": "vlaams_gewest",
        "street": "Ertbrandstraat",
        "country": "BE",
        "postcode": "2950",
        "box_number": null,
        "street_number": "185",
        "locality_suffix": null
      },
      "old_address": null,
      "effective_date": "2023-04-25",
      "evidence_quote": "Uittreksel uit het verslag van de bijzondere algemene vergadering gehouden op de maatschappelijke zetel op 25 april 2023.",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "inferred",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Antwerpen",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": "2023-05-16",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "bijzondere_algemene_vergadering",
    "date": "2023-04-25",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0761.538.288",
    "name_full": "A\u0026G GROUP",
    "legal_form": "BESLOTEN VENNOOTSCHAP",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Becene Fatih",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": []
}
03-05-2023 Registered office moved to Antwerpen Registered-office change
  • 2040 Antwerpen, Monnikenhofstraat 60
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "2040 Antwerpen, Monnikenhofstraat 60",
        "city": "Antwerpen",
        "region": "vlaams_gewest",
        "street": "Monnikenhofstraat",
        "country": "BE",
        "postcode": "2040",
        "box_number": null,
        "street_number": "60",
        "locality_suffix": null
      },
      "old_address": null,
      "effective_date": "2023-04-01",
      "evidence_quote": "Uittreksel uit het verslag van de bijzondere algemene vergadering gehouden op de maatschappelijke zetel op 31 maart 2023.",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "inferred",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Luik",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": "2023-04-19",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "bijzondere_algemene_vergadering",
    "date": "2023-03-31",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0761.538.288",
    "name_full": "A\u0026G GROUP",
    "legal_form": "BESLOTEN VENNOOTSCHAP",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Becene Fatih",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": [
    "Annexes du Moniteur bel"
  ]
}
2022
29-06-2022 Registered office moved from Kapellen to Stabroek Registered-office change
  • Dorpsstraat 26, 2950 Kapellen → Dorpsstraat 82, 2940 Stabroek
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Dorpsstraat 82, 2940 Stabroek",
        "city": "Stabroek",
        "region": "vlaams_gewest",
        "street": "Dorpsstraat",
        "country": "BE",
        "postcode": "2940",
        "box_number": null,
        "street_number": "82",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Dorpsstraat 26, 2950 Kapellen",
        "city": "Kapellen",
        "region": "vlaams_gewest",
        "street": "Dorpsstraat",
        "country": "BE",
        "postcode": "2950",
        "box_number": null,
        "street_number": "26",
        "locality_suffix": null
      },
      "effective_date": null,
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "beide",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2022-06-16",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2022-05-30",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0761.538.288",
    "name_full": "A\u0026G Group",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Fatih Becene",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": []
}
16-03-2022 Registered office moved from Lier to Kapellen Registered-office change
  • Leopoldplein 33 82, 2500 Lier → Dorpstraat 26/11 2950 Kapellen
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Dorpstraat 26/11 2950 Kapellen",
        "city": "Kapellen",
        "region": "vlaams_gewest",
        "street": "Dorpstraat",
        "country": "BE",
        "postcode": "2950",
        "box_number": null,
        "street_number": "26/11",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Leopoldplein 33 82, 2500 Lier",
        "city": "Lier",
        "region": "vlaams_gewest",
        "street": "Leopoldplein",
        "country": "BE",
        "postcode": "2500",
        "box_number": "B2",
        "street_number": "33",
        "locality_suffix": null
      },
      "effective_date": null,
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": null,
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2022-02-22",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0761.538.288",
    "name_full": "A\u0026G Group",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Fatih Becene",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": []
}
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Company registry (CBE) Crossroads Bank
Activities
Detailhandel in brood en banketbakkerswerk in gespecialiseerde winkels (koude bakkers)47241Detailhandel in brood en banketbakkerswerk (koude bakkers)47241Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112
Primary activity highlighted.
Names & trade names
Legal nameNL A&G Group
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative