Turnover
≈ €220,000 estimated
The micro format states no turnover.
AG²F CONSTRUCT
Lifetime
2 annual accounts with figures on one time axispeak €82,441 (2025)
€82,441▲ 3.6%
peak €51,295 (2024)
€48,084▼ 6.3%
peak €101,379 (2025)
€101,379▲ 90.2%
€106,295▼ 6.9%
Board1 name since 2023
1 directorRicardo GOMES-FERREIRA
Documentsfilings and deeds
13-07-202618 days before the deadline
2025micro format
Equity from €53,295 to €101,379Investments €49,367
Key points
from the 2025 annual accountsInvestments
€49,167 4.1 × depreciation
Green is investment, beige is depreciation.
Position in the sector
€48,084
Higher net result than 81% of companies in real estate. Sector median €5,994 · 17,181 companies.
Checked score
98
Excellent
Financially stronger than 83% of micro companies in real estate (NACE 68)
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: 0.2% across 26,626 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.7%▲ +0.1 percentage points vs 12-2024
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.7%● unchanged vs 02-2025
04-2025: 0.8%▲ +0.1 percentage points vs 03-2025
05-2025: 0.8%● unchanged vs 04-2025
06-2025: 0.9%▲ +0.1 percentage points vs 05-2025
07-2025: 1.0%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.1%▼ -0.9 percentage points vs 07-2025
09-2025: 0.1%● unchanged 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
Founded in 2023
lowers risk
Liquidity: current ratio 2.10, cash €96,910
Sector: Real estate activities (NACE 68)
Equity €101,379 (48.8% of total assets)
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 68, micro). It does better than 63% of them on solvency, 89% on liquidity, 89% on profitability and 91% 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, 39,278 companies had the same profile as AG²F CONSTRUCT has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of AG²F CONSTRUCT itself is lower: 0.1% within 12 months. It rests on far more data about AG²F CONSTRUCT than the profile alone.
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 39,278 companies, not a prediction for AG²F CONSTRUCT. 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 €9,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.1 (1.95 in 2024), above the usual 1.5. Short-term debt is 31.7% and cash 46.7% of total assets. However, 51.2% of the assets are financed with debt and provisions.
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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 13-07-2026, 18 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
18 days early
2024
16 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 17 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- GOMES FERREIRA Ricardo Daniel 99 sharesdeed of 27-10-2023
- LEBAILLY Louise Nelly Ghislaine 1 sharedeed of 27-10-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1001592603
Incorporation
Founding capital of €2,000 · Founders: GOMES FERREIRA Ricardo Daniel and LEBAILLY Louise Nelly Ghislaine · Founding capital of EUROS 2,000, 100 shares · Appointment: Ricardo GOMES-FERREIRA (director) · published on 27-10-2023 · Gazette deed
First establishment
Rue Bailly Dupont 2, Chièvres
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AG²F CONSTRUCT Chièvres | €207,674 | €82,441 | 48.8% | - |
| Wise Engineering Jurbise | €223,781 | €126,317 | 80.5% | - |
| Artifix Ghent | €224,729 | €97,319 | 64.5% | - |
| SDBouwcoördinatie Torhout | €185,008 | €75,652 | 44.7% | - |
| DAMO CONSTRUCT Langemark-Poelkapelle | €217,472 | €107,134 | 88.3% | - |
| MACK MANAGEMENT Wielsbeke | €180,894 | €66,741 | 44.8% | - |
| Coresult Rotselaar | €214,877 | €106,138 | 77.1% | - |
These companies have the same main activity as AG²F CONSTRUCT: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €181,000 and €225,000, founded in 2023.
Official details
Source: KBO- Status
- Active since 25-10-2023Normal situation
- Activity
- Development of residential building projectsNACE 68121and 1 other
- Establishment unit
- 2.355.660.6387950 Chièvres, since 25-10-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Annual accounts 2025
- €207,674▲ 24.0%
- Filing
- Filed on 13-07-2026, 18 days before the end of the filing period
Insights on AG²F CONSTRUCT
AG²F CONSTRUCT has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101,379 and a net result of €48,084.
Its solvency ranks better than 65% of 17,190 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
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 AG²F CONSTRUCT
- What is the company number of AG²F CONSTRUCT?
- The company number of AG²F CONSTRUCT is 1001.592.603. The VAT number is the same number with BE in front: BE 1001.592.603.
- Where is AG²F CONSTRUCT based?
- The registered office is at Rue Bailly Dupont 2, 7950 Chièvres.Company details
- What does AG²F CONSTRUCT do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of AG²F CONSTRUCT?
- AG²F CONSTRUCT is a private limited company (BV).
- When was AG²F CONSTRUCT founded?
- AG²F CONSTRUCT was founded on 25-10-2023.
- Is AG²F CONSTRUCT still active?
- Yes, AG²F CONSTRUCT is an active enterprise in the KBO register.
- What is the turnover of AG²F CONSTRUCT?
- The turnover in financial year 2025 is ≈ €220,000. This figure is estimated from the gross margin of €82,441 and 48 comparable companies (NACE 681). It probably lies between €110,000 and €510,000.Financials
- Is AG²F CONSTRUCT profitable?
- In financial year 2025, AG²F CONSTRUCT made a profit of €48,084.
- Where can I find the annual accounts of AG²F CONSTRUCT?
- AG²F CONSTRUCT filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of AG²F CONSTRUCT due?
- AG²F CONSTRUCT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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