A.G. IMMO
ActiveA.G. IMMO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €488. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 33% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69=
Solvency45▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.18 against 0.06 in 2024; short-term debt: 14.1% and cash: 0% of total assets), and 80.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 46
Relative position
BE, all sectors
reference
Sector 46
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
19.7%
Return on assets
0.1%
Age of the figures
13 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 13-02-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
47 d early
2023
47 d early
2022
25 d early
2021
4 d late
2020
29 d early
2019
40 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close19-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▲ 0.6%
2024 · €75k
2019: €48k
2020: €52k
2021: €61k
2022: €96k
2023: €75k
2024: €75k
2019 → 2025
Total assets
€386k▲ 19.1%
2024 · €324k
2019: €274k
2020: €336k
2021: €324k
2022: €316k
2023: €267k
2024: €324k
2019 → 2025
Net result
€488▲ 8.4%
2024 · €450
2019: €-8k
2020: €5k
2021: €8k
2022: €35k
2023: €-4k
2024: €450
2019 → 2025
Working capital
€-45k▼ 1.1%
2024 · €-44k
2019: €-58k
2020: €-69k
2021: €-63k
2022: €-13k
2023: €-33k
2024: €-44k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€96k▲ 58.0%€75k▼ 21.8%€75k▲ 0.6%€76k▲ 0.6%
Operating result€19k-€56k▲ 196%€4k▼ 93.3%€9k▲ 132%€12k▲ 40.3%
Net result€8k-€35k▲ 330%€-4k€450€488▲ 8.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 40% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €386k
Fixed assets
€377k▲ 17.1%
Current assets
€10k▲ 237%
Equity and liabilities €386k
Equity
€76k▲ 0.6%
Provisions
€7k▼ 3.5%
Debt
€304k▲ 25.5%
The debt ratio rises from 74.6% to 78.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€53k▲
2024 · €46k
Cash flow
€42k▲
2024 · €37k
Solvency
19.7%▼
2024 · 23.3%
Current ratio
0.18▲
2024 · 0.06
Quick ratio
0.18▲
2024 · 0.06
Debt / equity
4.00▲
2024 · 3.21
ROE
0.6%▲
2024 · 0.6%
ROA
0.1%▼
2024 · 0.1%
Interest coverage
6.74▲
2024 · 6.59
Debt
€304k▲
2024 · €242k
Debt ≤ 1 year
€54k▲
2024 · €47k
Debt > 1 year
€249k▲
2024 · €195k
Income taxes
€4k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€324k€386k▲
Fixed assets21/28€322k€377k▲
Tangible fixed assets22/27€322k€377k▲
Land and buildings22€320k€374k▲
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€782€354▼
Current assets29/58€3k€10k▲
Amounts receivable within one year40/41€0€9k▲
Trade receivables40-€9k
Other amounts receivable41€0€269▲
Current investments50/53€4€0▼
Cash at bank and in hand54/58€432€95▼
Deferred charges and accrued income490/1€2k€871▼
Equity and liabilities
Total equity and liabilities10/49€324k€386k▲
Equity10/15€75k€76k▲
Contributions10/11€6k€6k=
Reserves13€69k€70k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€28k€27k▼
Distributable reserves133€42k€43k▲
Profit (loss) carried forward14€0-
Provisions and deferred taxes16€7k€7k▼
Deferred taxes168€7k€7k▼
Amounts payable17/49€242k€304k▲
Amounts payable after more than one year17€195k€249k▲
Financial debts170/4€195k€249k▲
Amounts payable within one year42/48€47k€54k▲
Current portion of amounts payable after more than one year42€21k€25k▲
Financial debts43€828€3k▲
Credit institutions430/8€828€2k▲
Other loans439-€614
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Other amounts payable47/48€15k€14k▼
Accrued charges and deferred income492/3€75€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€41k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€50k€58k▲
Operating profit (loss)9901€9k€12k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€2k€4k▲
Transfer from deferred taxes780€2k€239▼
Income taxes67/77€4k€4k▲
Profit (loss) for the period9904€450€488▲
Transfer from tax-exempt reserves789€1k€955▼
Transfer to tax-exempt reserves689€2k€0▼
Profit (loss) for the period to be appropriated9905€64€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€64€1k▲
Transfer from equity791/2€0-
Transfer to equity691/2€64€1k▲
To other reserves6921€64€1k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (14 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
13-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-08
Financial
Back to profitnet €450
Net result €450 after one loss-making year.
13-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
Financial
Highest result since 2019net €35k ▲330%
Operating result €56k, net result €35k, both a record.
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
02-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
20-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Ronse · 1 establishment unit since 2007
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.
Bierinkstraat 59600 RonseGround area
344 m²
Building footprint
140 m²
Volume, LiDAR
729 m³
Parcel 45041A0513/00E000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A.G. IMMO
since 20072.165.763.144
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45041A0513/00E000 | Flanders | 344 m² | 1 · 140 m² | 7.4 m · 2 fl. |
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.
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,569. 1,956 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-08-2007
Fiscal year end31-08
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.