AG FOR YOU

Active

Private limited companyfounded 20197 yrs activeLt. Graffplein 15, 1780 Wemmel, BelgiumKBO/BCE: BE 0734.718.283

The computed 12-month bankruptcy probability of AG FOR YOU is 2.8% (moderate). The 2024 annual accounts show equity of €4k and a net result of €-2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 9981 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

38 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability66▼-5

Solvency29▼-6

Growth85=

Track record100

Bankruptcy probability, 12 months

2.8% Moderate

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity short (current ratio 0.91 against 1.02 in 2023; short-term debt: 95.5% and cash: 0.6% of total assets), and 95.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

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 2024

Solvency, return and age of the figures

Solvency

4.5%

Return on assets

-2%

Age of the figures

21 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 9981 sector peers (2024).

NBB · sector comparison

Position among 9981 sector peers

Solvency

better than 14%

← weakest strongest →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

28 d late

2023

29 d late

2022

31 d late

2021

11 d early

2020

4 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€114k▲ 89.1%

2020 · €60k

2020: €60k

2020 → 2022

EBIT margin

23.8%▲ 50.4pp

2020 · -26.6%

2020: -26.6%

2020 → 2022

Net result

€-2k

2023 · €1k

2020: €-16k 2021: €-8k 2022: €27k 2023: €1k

2020 → 2024

Working capital

€-8k

2023 · €884

2020: €-14k 2021: €-22k 2022: €-1k 2023: €884

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Turnover€60k-€114k

Equity€-14k-€-22k▼ 56.2%€5k€6k▲ 20.4%€4k▼ 31.2%

Operating result€-16k-€-8k▲ 50.8%€27k€1k▼ 96.0%€-2k

Net result€-16k-€-8k▲ 50.8%€27k€1k▼ 96.2%€-2k

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 2024: a loss of €2k after €1k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €93k

13.2%

86.8%

Fixed assets €12k▲ 138%

Current assets €81k▲ 43.1%

Equity and liabilities €93k

95.5%

Equity €4k▼ 31.2%

Debt €89k▲ 60.0%

The debt ratio rises from 90.2% to 95.5%. Equity is lower and debt is higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€2k▼

2023 · €2k

Cash flow

€2k▼

2023 · €2k

Solvency

4.5%▼

2023 · 9.8%

Current ratio

0.91▼

2023 · 1.02

Quick ratio

0.91▼

2023 · 1.02

Debt / equity

21.35▲

2023 · 9.18

ROE

-45.4%▼

2023 · 16.9%

ROA

-2.0%▼

2023 · 1.7%

Interest coverage

11.11▼

2023 · 51.58

Debt

€89k▲

2023 · €56k

Debt ≤ 1 year

€89k▲

2023 · €56k

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€62k€93k▲

Fixed assets21/28€5k€12k▲

Tangible fixed assets22/27€5k€12k▲

Plant, machinery and equipment23€5k€4k▼

Furniture and vehicles24-€8k

Current assets29/58€57k€81k▲

Amounts receivable within one year40/41€55k€80k▲

Trade receivables40€46k€80k▲

Other amounts receivable41€9k€5▼

Cash at bank and in hand54/58€2k€598▼

Equity and liabilities

Total equity and liabilities10/49€62k€93k▲

Equity10/15€6k€4k▼

Contributions10/11€2k€2k=

Profit (loss) carried forward14€4k€2k▼

Amounts payable17/49€56k€89k▲

Amounts payable within one year42/48€56k€89k▲

Trade debts44€46k€50k▲

Suppliers440/4€46k€50k▲

Advances received on contracts in progress46-€27k

Taxes, remuneration and social security45€9k€8k▼

Taxes450/3€9k€4k▼

Remuneration and social security454/9-€4k

Other amounts payable47/48€1k€4k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€4k▲

Other operating charges640/8€1€832▲

Gross operating margin9900€2k€3k▲

Operating profit (loss)9901€1k€-2k▼

Financial income75/76B-€1

Recurring financial income75-€1

Financial charges65/66B€46€168▲

Recurring financial charges65€46€168▲

Profit (loss) for the period before taxes9903€1k€-2k▼

Profit (loss) for the period9904€1k€-2k▼

Profit (loss) for the period to be appropriated9905€1k€-2k▼

Appropriation of the result

Profit (loss) to be appropriated9906€4k€2k▼

Profit (loss) brought forward from the previous period14P€3k€4k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 1Filings 5

2025

28-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 28 days late

2024

29-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 29 days late

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

31-12

Financial Back to profitnet €27k

Net result €27k after 2 loss-making years.

20-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

04-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 4 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Wemmel · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Lt. Graffplein 151780 Wemmel

Ground area

218 m²

Building footprint

210 m²

Volume, LiDAR

2,232 m³

2 parcels, Brussels, Flanders · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

AG FOR YOU

Wijnheuvelenstraat 173, 1030 SchaarbeekGeneral construction of buildings

since 20202.296.801.533

2 parcels

Flanders 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
22662B0387/00R004	Flanders	147 m²	1 · 144 m²	14.9 m · 4 fl.
21906D0116/00M011	Brussels	71 m²	1 · 66 m²	14.8 m · 4 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Recognitions · licences · registrations

Recognised contractor

12 categories

AG FOR YOU BV40901

category D1, class 1 · category D12, class 1 · category D13, class 1 · category D16, class 1 · category D21, class 1 · category D25, class 1 · category D4, class 1 · category D5, class 1 · category D8, class 1 · category G5, class 1 · category P1, class 1 · category P2, class 1

decision 05-11-2025