Equity
€577,465 ▼ 2.5%
AG CONSTRUCT TOITURES paid out €80,000 in dividends. That is 123% of the 2025 profit.
AG CONSTRUCT TOITURES
Lifetime
20 annual accounts with figures on one time axis, 23 filings since 2003peak €1.0m (2024)
€1.0m▼ 0.5%
lowest -€89,268 (2012)
€65,080▼ 18.7%
peak €592,384 (2024)
€577,465▼ 2.5%
€483,314▼ 23.8%
peak 19.2 FTE (2008)
12 FTE▼ 7.7%
Board3 names since 2021
1 directorGeorges ANDRE
Documentsfilings and deeds
04-07-202627 days before the deadline
2025abbreviated format
Dividend €80,000Debts from €633,903 to €483,314
Key points
from the 2025 annual accountsTurnover
≈ €2.8m estimated
The accounts state no turnover.
Staff
12 FTE from 19.2 in 2008
Between 2008 and 2025, 38% of the full-time equivalents disappeared.
Filings
23 annual accounts since 2003
Nine of the last ten came late. The 2017 accounts came latest: 31 days after the end of the period.
Board
2 joined · 1 left
Board changed. Latest change 21-08-2026 · 2 in office.
Position in the sector
€1.0m
Higher gross margin than 86% of companies in specialised construction. Sector median €243,352 · 9,955 companies.
Checked score
95
Excellent
Financially stronger than 62% of small companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.3% across 2,647 companies (NACE 43, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.3%▲ +0.1 percentage points vs 07-2025highest value
09-2025: 0.1%▼ -0.2 percentage points vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Specialised construction activities (NACE 43)
lowers risk
Liquidity: current ratio 2.28, cash €259,228
Equity €577,465 (54.4% of total assets)
Founded in 2003
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, small). It does better than 72% of them on solvency, 88% on liquidity, 62% on profitability and 24% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 20,137 companies had the same profile as AG CONSTRUCT TOITURES has now. Each dot stands for 51 companies, two years later.
95.1%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of AG CONSTRUCT TOITURES itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 20,137 companies, not a prediction for AG CONSTRUCT TOITURES. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €50,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.28 (2.37 in 2024), above the usual 1.5. Short-term debt is 21% and cash 24.4% of total assets. 45.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-07-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 days early
2024
29 days late
2023
30 days late
2022
31 days late
2021
31 days late
2020
30 days late
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 22 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0479800503
2 directors appointed, 1 resignation
Resignation: Georges ANDRE · Appointments: Highcrest and Régis Dock · Director discharge: Georges ANDRE · General meeting of 13-08-2026 · Gazette deed
Change of role: Georges ANDRE, from manager to director
Director discharge: Georges ANDRE (manager) · General meeting of 23-12-2021 · Gazette deed
First establishment
Rue des Fonds de Dave 167, Namur
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AG CONSTRUCT TOITURES Namur | €1.1m | €1.0m | 54.4% | 12 |
| WOESTENBORGHS Beerse | €0.9m | €1.1m | 55.4% | 12 |
| AC-CHARPENTES Ans | €1.1m | €0.8m | 2.7% | 12 |
| SCHRIJNWERKERIJ, DAKWERKEN GIELEN Beringen | €1.0m | €0.8m | 88.0% | 9.6 |
| Dakwerken De Rycke Peter Wichelen | €1.3m | €1.3m | 55.1% | 11.5 |
| DENEFFE FRANCIS ET FILS Libramont-Chevigny | €1.4m | €1.0m | 38.5% | 11.3 |
| DAKWERKEN SPEELMAN Mortsel | €1.0m | €0.8m | 56.4% | 10.8 |
These companies have the same main activity as AG CONSTRUCT TOITURES: roofing work (NACE 43410). They are comparable in size and age: total assets between €916,000 and €1.4m, founded between 1995 and 2007.
Official details
Source: KBO- Status
- Active since 19-03-2003Normal situation
- Activity
- Roofing workNACE 43410and 3 others
- Establishment unit
- 2.126.969.6765100 Namur, since 15-04-2003
- Financial year end
- 31 December
- Peppol
- Reachable since 08-09-2026
Annual accounts 2025
- €1.1m▼ 13.5%
- Filing
- Filed on 04-07-2026, 27 days before the end of the filing period
Insights on AG CONSTRUCT TOITURES
AG CONSTRUCT TOITURES files the abbreviated format. That format states no turnover. The gross margin rose from €725,988 in 2006 to €1.0m in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about AG CONSTRUCT TOITURES
- What is the company number of AG CONSTRUCT TOITURES?
- The company number of AG CONSTRUCT TOITURES is 0479.800.503. The VAT number is the same number with BE in front: BE 0479.800.503.
- Where is AG CONSTRUCT TOITURES based?
- The registered office is at Rue Grand Pré 96, 5100 Namur.Company details
- What does AG CONSTRUCT TOITURES do?
- According to the KBO register, the main activity is roofing work (NACE 43410).
- What is the legal form of AG CONSTRUCT TOITURES?
- AG CONSTRUCT TOITURES is a private limited company (BV).
- When was AG CONSTRUCT TOITURES founded?
- AG CONSTRUCT TOITURES was founded on 19-03-2003.
- Is AG CONSTRUCT TOITURES still active?
- Yes, AG CONSTRUCT TOITURES is an active enterprise in the KBO register.
- How many employees does AG CONSTRUCT TOITURES have?
- AG CONSTRUCT TOITURES had an average of 12 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of AG CONSTRUCT TOITURES?
- The turnover in financial year 2025 is ≈ €2.8m. This figure is estimated from the gross margin of €1.0m and 67 comparable companies (NACE 43). It probably lies between €2.2m and €3.8m.
- Is AG CONSTRUCT TOITURES profitable?
- In financial year 2025, AG CONSTRUCT TOITURES made a profit of €65,080.
- Where can I find the annual accounts of AG CONSTRUCT TOITURES?
- AG CONSTRUCT TOITURES filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of AG CONSTRUCT TOITURES due?
- AG CONSTRUCT TOITURES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence See whether the workforce is growing and whether people stay.Employer check Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check
See how customers, suppliers and banks see your own company and what to improve first.