AG Consultancy
ActiveAG Consultancy has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €41k and a net result of €5k. Equity is growing by ~50.3% per year across the filed fiscal years. Its solvency ranks better than 90% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
93
/ 100
Excellent▼ -7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability66▼-34
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 8.92 against 3.42 in 2023), and 8.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
32 d early
2022
45 d early
2021
33 d early
2020
23 d early
2019
27 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€41k▲ 15.1%
2023 · €36k
2018: €8k
2019: €11k
2020: €1k
2021: €493
2022: €12k
2023: €36k
2018 → 2024
Total assets
€45k▼ 0.8%
2023 · €46k
2018: €23k
2019: €19k
2020: €11k
2021: €12k
2022: €27k
2023: €46k
2018 → 2024
Net result
€5k▼ 77.7%
2023 · €24k
2018: €-5k
2019: €4k
2020: €-10k
2021: €-734
2022: €11k
2023: €24k
2018 → 2024
Working capital
€31k▲ 31.2%
2023 · €23k
2018: €-15
2019: €2k
2020: €-2k
2021: €-7k
2022: €4k
2023: €23k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1k-€493▼ 59.8%€12k▲ 2,252%€36k▲ 211%€41k▲ 15.1%
Operating result€-4k-€5k€20k▲ 300%€40k▲ 96.4%€11k▼ 71.5%
Net result€-10k-€-734▲ 92.6%€11k€24k▲ 120%€5k▼ 77.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 71% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €45k
Fixed assets
€11k▼ 14.7%
Current assets
€35k▲ 4.5%
Equity and liabilities €45k
Equity
€41k▲ 15.1%
Debt
€4k▼ 59.9%
The debt ratio falls from 21.2% to 8.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€18k▼
2023 · €45k
Cash flow
€12k▼
2023 · €30k
Solvency
91.5%▲
2023 · 78.8%
Current ratio
8.92▲
2023 · 3.42
Quick ratio
8.92▲
2023 · 3.42
Debt / equity
0.09▼
2023 · 0.27
ROE
13.1%▼
2023 · 67.8%
ROA
12.0%▼
2023 · 53.5%
Interest coverage
101.59▼
2023 · 249.03
Debt
€4k▼
2023 · €10k
Debt ≤ 1 year
€4k▼
2023 · €10k
Income taxes
€6k▼
2023 · €15k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€46k€45k▼
Fixed assets21/28€13k€11k▼
Tangible fixed assets22/27€13k€11k▼
Furniture and vehicles24€7k€7k▼
Other tangible fixed assets26€5k€4k▼
Current assets29/58€33k€35k▲
Amounts receivable within one year40/41€26k€6k▼
Trade receivables40€23k€1k▼
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€7k€27k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€46k€45k▼
Equity10/15€36k€41k▲
Contributions10/11€6k€6k=
Reserves13€30k€35k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€28k€33k▲
Profit (loss) carried forward14-€18
Amounts payable17/49€10k€4k▼
Amounts payable within one year42/48€10k€4k▼
Trade debts44€609€63▼
Suppliers440/4€609€63▼
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€9k€4k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€7k
Other operating charges640/8€1k€1k▲
Gross operating margin9900€46k€27k▼
Operating profit (loss)9901€40k€11k▼
Financial charges65/66B€181€180▼
Recurring financial charges65€181€180▼
Profit (loss) for the period before taxes9903€40k€11k▼
Income taxes67/77€15k€6k▼
Profit (loss) for the period9904€24k€5k▼
Profit (loss) for the period to be appropriated9905€24k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€5k▼
Profit (loss) brought forward from the previous period14P€-466-
Transfer to equity691/2€24k€5k▼
To other reserves6921€24k€5k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 8.92
Current ratio from 3.42 to 8.92; short-term debt falls from €10k to €4k.
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €24k ▲120%
Operating result €40k, net result €24k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.42
Current ratio from 1.28 to 3.42; short-term debt falls from €15k to €10k.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 1.28
Current ratio from 0.34 to 1.28.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-10k ▼377%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
28-07
NBB filing
Annual accounts filed
fiscal year 2015 · 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, Pelt · 1 establishment unit since 2012
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.
Toekomstlaan 33910 PeltGround area
1,287 m²
Building footprint
146 m²
Volume, LiDAR
934 m³
Parcel 72025B1199/00W002, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AG CONSULTANCY
since 20122.213.517.531
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72025B1199/00W002 | Flanders | 1,287 m² | 1 · 146 m² | 10.2 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.
Similar companies · same sector, comparable size
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HBEConsulting
BE 0787.599.319
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DL Consultance
BE 0545.758.127
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AVKD
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 36,856 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.