A.G.P. CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of A.G.P. CONSTRUCT is 2.2% (moderate). The annual accounts of A.G.P. CONSTRUCT for fiscal year 2025 show a net loss of 56% of total assets and of 74% of the equity at the start of that year. The 2025 annual accounts show equity of €58,068 and a net result of -€169,425. Equity is growing by ~74.9% per year across the filed fiscal years. Its solvency ranks better than 21% of 28051 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-90
Solvency44▼-32
Growth35▼-17
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.19 against 2.04 in 2024; short-term debt: 80.7% and cash: 11.9% of total assets), and 80.7% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19.3%
Return on assets
-56.3%
Age of the figures
15 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 28051 sector peers (2025).
NBB · sector comparisonPosition among 28051 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 06-01-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
14 d early
2023
on the day
2022
1 d early
2021
7 d early
2020
24 d early
2019
116 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 6 days after 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)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close26-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€1.2m▼ 27.1%
2019 · €1.6m
EBIT margin
4.1%▲ 0.1pp
2019 · 4.0%
Net result
-€169,425
2024 · €74,404
Working capital
€45,654▼ 79.9%
2024 · €227,027
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€11,966▼ 74.7%€79,532▲ 565%€109,917▲ 38.2%€99,630▼ 9.4%-€167,960
Net result€3,771€54,116▲ 1,335%€83,074▲ 53.5%€74,404▼ 10.4%-€169,425
EBIT margin
Equity€15,899▲ 31.1%€70,015▲ 340%€153,089▲ 119%€227,493▲ 48.6%€58,068▼ 74.5%
Total assets€171,362▼ 29.2%€299,718▲ 74.9%€301,747▲ 0.7%€444,973▲ 47.5%€300,824▼ 32.4%
Debt€155,463▼ 32.4%€229,703▲ 47.8%€148,658▼ 35.3%€217,480▲ 46.3%€242,756▲ 11.6%
Working capital€6,029▲ 29.4%€66,074▲ 996%€152,353▲ 131%€227,027▲ 49.0%€45,654▼ 79.9%
Staff (FTE)1=1=1=1
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €167,960 after €99,630 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €300,824
Fixed assets
€12,414 ▲ 2,561%
Current assets
€288,410 ▼ 35.1%
Equity and liabilities €300,824
Equity
€58,068 ▼ 74.5%
Debt
€242,756 ▲ 11.6%
Debt's share of the balance-sheet total rises from 48.9% to 80.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€162,467▼
2024 · €99,900
Cash flow
-€163,933▼
2024 · €74,674
Current ratio
1.19▼
2024 · 2.04
Debt to equity
4.18▲
2024 · 0.96
ROE
-291.8%▼
2024 · 32.7%
ROA
-56.3%▼
2024 · 16.7%
Interest coverage
-137.89▼
2024 · 180.03
Debt ≤ 1 year
€242,756▲
2024 · €217,480
Income taxes
€288▼
2024 · €24,672
Staff costs
€74,484▲
2024 · €11,175
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €45,298 | €60,954 | €11,175 | €74,484 | ▲ 567% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,075 | €6,723 | €3,205 | €270 | €5,493 | ▲ 1,934% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €1,378 | - | - | €1,622 | - |
| Other operating charges640/8 | - | €1,262 | €1,751 | €2,095 | €1,242 | ▼ 40.7% |
| Gross operating margin9900 | €71,653 | €134,193 | €175,826 | €113,170 | -€85,119 | ▼ 175% |
| Operating profit (loss)9901 | €11,966 | €79,532 | €109,917 | €99,630 | -€167,960 | ▼ 269% |
| Financial income75/76B | - | €0 | €3 | €1 | €1 | ▲ 2.0% |
| Recurring financial income75 | €1 | €0 | €3 | €1 | €1 | ▲ 2.0% |
| Financial charges65/66B | - | €757 | €747 | €555 | €1,178 | ▲ 112% |
| Recurring financial charges65 | €223 | €757 | €747 | €555 | €1,178 | ▲ 112% |
| Profit (loss) for the period before taxes9903 | €11,743 | €78,775 | €109,173 | €99,076 | -€169,137 | ▼ 271% |
| Income taxes67/77 | €7,973 | €24,659 | €26,099 | €24,672 | €288 | ▼ 98.8% |
| Profit (loss) for the period9904 | €3,771 | €54,116 | €83,074 | €74,404 | -€169,425 | ▼ 328% |
| Profit (loss) for the period to be appropriated9905 | €3,771 | €54,116 | €83,074 | €74,404 | -€169,425 | ▼ 328% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €171,362 | €299,718 | €301,747 | €444,973 | €300,824 | ▼ 32.4% |
| Fixed assets21/28 | €9,870 | €3,941 | €736 | €466 | €12,414 | ▲ 2,561% |
| Tangible fixed assets22/27 | €9,404 | €3,475 | €270 | - | €11,948 | - |
| Furniture and vehicles24 | - | €3,475 | €270 | - | €11,948 | - |
| Financial fixed assets28 | €466 | €466 | €466 | €466 | €466 | = |
| Current assets29/58 | €161,492 | €295,777 | €301,011 | €444,507 | €288,410 | ▼ 35.1% |
| Amounts receivable within one year40/41 | €113,248 | €289,210 | €242,366 | €393,436 | €247,252 | ▼ 37.2% |
| Trade receivables40 | - | €287,025 | €210,448 | €372,903 | €121,485 | ▼ 67.4% |
| Other amounts receivable41 | - | €2,185 | €31,918 | €20,533 | €125,767 | ▲ 513% |
| Cash at bank and in hand54/58 | €46,228 | €2,497 | €54,113 | €46,800 | €35,757 | ▼ 23.6% |
| Deferred charges and accrued income490/1 | - | €4,070 | €4,532 | €4,271 | €5,402 | ▲ 26.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €171,362 | €299,718 | €301,747 | €444,973 | €300,824 | ▼ 32.4% |
| Equity10/15 | €15,899 | €70,015 | €153,089 | €227,493 | €58,068 | ▼ 74.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €21,860 | €21,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | €20,000 | €20,000 | = |
| Profit (loss) carried forward14 | -€4,561 | €49,555 | €132,629 | €187,033 | €17,608 | ▼ 90.6% |
| Amounts payable17/49 | €155,463 | €229,703 | €148,658 | €217,480 | €242,756 | ▲ 11.6% |
| Amounts payable within one year42/48 | €155,463 | €229,703 | €148,658 | €217,480 | €242,756 | ▲ 11.6% |
| Trade debts44 | €57,270 | €112,307 | €44,538 | €30,418 | €30,175 | ▼ 0.8% |
| Suppliers440/4 | - | €112,307 | €44,538 | €30,418 | €30,175 | ▼ 0.8% |
| Advances received on contracts in progress46 | - | €63,077 | €63,077 | €150,832 | €196,805 | ▲ 30.5% |
| Taxes, remuneration and social security45 | - | €31,177 | €41,044 | €36,230 | €15,777 | ▼ 56.5% |
| Taxes450/3 | - | €25,478 | €30,599 | €24,926 | €4,933 | ▼ 80.2% |
| Remuneration and social security454/9 | - | €5,699 | €10,445 | €11,304 | €10,844 | ▼ 4.1% |
| Other amounts payable47/48 | - | €23,142 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,771 | €54,116 | €83,074 | €74,404 | -€169,425 | ▼ 328% |
| + Depreciation and write-downs630 | €9,075 | €6,723 | €3,205 | €270 | €5,493 | ▲ 1,934% |
| Operating cash flow (approximation) | €12,846 | €60,839 | €86,278 | €74,674 | -€163,933 | ▼ 320% |
| Investment in fixed assets (approximation) | - | -€794 | €0 | €0 | -€17,440 | - |
| Change in cash | - | -€43,731 | €51,615 | -€7,312 | -€11,043 | ▼ 51.0% |
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
Next filing, fiscal year 2026, expected by
2026
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet -€169,425
Net result drops to -€169,425, the lowest in the series.
17-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €200,000Eq €227,493 ▲48.6%
4 profitable years in a row build equity to €227,493.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €83,074 ▲53.5%
Operating result €109,917, net result €83,074, both a record.
30-06
Financial
Equity above €150,000Eq €153,089 ▲119%
3 profitable years in a row build equity to €153,089.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €3,771
Net result €3,771 after one loss-making year.
07-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 116 days late
Show earlier events
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
08-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
5 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, Jette · 1 establishment unit since 2013
Ground area
563 m²
Building footprint
222 m²
Volume, LiDAR
4,417 m³
Parcel 21464D0137/00Z010, Brussels · tallest building 24.3 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
OLV van Lourdeslaan 15, 1090 Jette
since 20132.218.702.477
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21464D0137/00Z010 | Brussels | 563 m² | 1 · 222 m² | 24.3 m · 7 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
B.O STEEL CONSTRUCT
BE 0686.788.011
Binche · Eq €58,103
SERVI DIAM
BE 0883.255.967
Beersel · Eq €58,131
BATI WAW
BE 0794.775.339
Sint-Pieters-Leeuw · Eq €58,160
PERCE BETON
BE 0772.806.621
Froidchapelle · Eq €58,171
ALTYVA
BE 0880.408.424
Beringen · Eq €58,180
Of 15,521 companies in sector 43990 we hold annual accounts for 7,416. 6,168 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-03-2013
Fiscal year end30-06
Activities, NACEBEL 2025
43320Joinery installation
43990Other specialised construction activities
43310Plastering work
43422Screed work
Scores and ratios are computed by Checked and are not a credit decision.