AG EXPERT TOITURES

Active

Private limited companyfounded 2015active for 10 yearsAv.Germinal 18, 1420 Braine-l'Alleud, BelgiumKBO/BCE: BE 0644.620.329

Summary

AG EXPERT TOITURES has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42,328 and a net result of €3,966. Equity is growing by about 9.9% per year across the filed financial years. Its solvency ranks better than 76% of 34,789 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Risk analysisFollow Report Compare

AG EXPERT TOITURESActiveChecked score 67/100

Risk analysis Report Compare

Activity

Roofing work

NACE 43410

1 site

Size

≈ €270,000turnover 2025, estimated

Equity: €42,328
Profit: €3,966

Turnover estimated from the gross margin

Financial health

67 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 1.1%

Structure

Alexandre Vitalievicth GRISCHINDirector
Natalia Petrovna GRISCHINADirector

2025 accounts filed 56 days late1 of 2 deeds summarised

Why 67raises riskSize: total assets €60,178Last filed accounts filed 56 days late; 1 of the last 3 lateSector: Specialised construction activities (NACE 43)lowers riskLiquidity: current ratio 3.06, cash €6,183, halvedShow the evidence

Checked score

Score 2025

67 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 57% of its sector peers (NACE 43, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 95+29

equity 70.3% of total assets

Liquidity 51-25

short-term debt 29.7% · cash 10.3%

Profitability 77-5

return on assets 6.6%

Bankruptcy probability, 12 months

1.1% Low

0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,658 companies, NACE 43, micro)

Last 24 months 11-2024: 1.0% 12-2024: 1.0%● unchanged vs 11-2024 01-2025: 0.9%▼ -0.1 percentage points vs 12-2024 02-2025: 0.9%● unchanged vs 01-2025 03-2025: 0.9%● unchanged vs 02-2025 04-2025: 1.0%▲ +0.1 percentage points vs 03-2025 05-2025: 0.9%▼ -0.1 percentage points vs 04-2025 06-2025: 0.9%● unchanged vs 05-2025 07-2025: 0.9%● unchanged vs 06-2025 08-2025: 1.3%▲ +0.4 percentage points vs 07-2025 09-2025: 1.6%▲ +0.3 percentage points vs 08-2025highest value 10-2025: 0.2%▼ -1.4 percentage points vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.1%▼ -0.1 percentage points vs 05-2026lowest value 07-2026: 0.2%▲ +0.1 percentage points vs 06-2026 08-2026: 0.3%▲ +0.1 percentage points vs 07-2026 09-2026: 0.4%▲ +0.1 percentage points vs 08-2026 10-2026: 1.1%▲ +0.7 percentage points vs 09-2026

Credit of up to €2,500 on 30-day terms is acceptable

Liquidity ample (current ratio 3.06, compared with 1.76 in 2024, above the usual 1.5; short-term debt: 29.7% and cash: 10.3% of total assets), and 29.7% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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, micro): better than 76% on solvency, 45% on liquidity, 53% on profitability and 56% on growth.

The bankruptcy probability was computed on 28-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises risk

Size: total assets €60,178

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Last filed accounts filed 56 days late; 1 of the last 3 late

NBB · filings

Sector: Specialised construction activities (NACE 43)

KBO

Liquidity: current ratio 3.06, cash €6,183, halved

NBB · annual accounts

2025 accounts filed 56 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-09-2026, 56 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

56 days late

2024

27 days late

2023

30 days late

2022

3 days early

2021

31 days late

2020

31 days late

2019

88 days 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 37 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)

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 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

29-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

25-09-2026 Annual accounts filedfinancial year 2025 · micro…
22-01-2026 Resignations: Natalia Petrovna GRISCHINA (director) and…Reappointments: Natalia Petrovna GRISCHINA (director)…
27-08-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

Board2 directors in office 2 View
Total assets 20256 financial years filed €60,178 View
Active since 2015founded 17-12-2015 10 years View

By topic

Financials

Financial year: 2025
Total assets: €60,178
Profit: €3,966
Solvency: 70.3%

Total assets▼ 36.3%

Net result

20182025

Go to Financials

Board & ownership

Board: 2 members

Alexandre Vitalievicth GRISCHINDirector
Natalia Petrovna GRISCHINADirector

Go to Board & ownership

Timeline

Events: 14
Since: 2017
Next accounts: by 31-07-2027

31-12-2024Back to profit
30-08-2024Annual accounts filed
28-07-2023Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Roofing workNACE 43410
Founded: 17-12-2015
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 29

Purpose: “Les travaux de couverture; Les travaux de couverture en tous matériaux; Le montage de…” (deed in French)

Go to Articles of association

Key facts about AG EXPERT TOITURES

What is the company number of AG EXPERT TOITURES?: 0644.620.329. In Belgium the VAT number is the company number with BE in front: BE 0644.620.329.
Where is AG EXPERT TOITURES based?: The registered office is at Av.Germinal 18, 1420 Braine-l'Alleud.Company details
What does AG EXPERT TOITURES do?: According to the KBO register, the main activity is roofing work (NACE 43410).
What is the legal form of AG EXPERT TOITURES?: Private limited company (BV).
When was AG EXPERT TOITURES founded?: On 17-12-2015.
Is AG EXPERT TOITURES still active?: Yes, AG EXPERT TOITURES is an active enterprise in the KBO register.
What is the turnover of AG EXPERT TOITURES?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is AG EXPERT TOITURES profitable?: In financial year 2025, AG EXPERT TOITURES made a profit of €3,966.
Where can I find the annual accounts of AG EXPERT TOITURES?: AG EXPERT TOITURES filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of AG EXPERT TOITURES due?: By 31-07-2027, for financial year 2026.Timeline