AG Multi-Services
ActiveSummary
AG Multi-Services has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €168k and a net result of €10k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 39% of 456 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-6
Solvency57=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.42 in 2024; short-term debt: 67.7% and cash: 0.6% of total assets), and 67.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
32.3%
Return on assets
2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-01-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
1 d early
2023
2 d early
2022
2 d early
2021
40 d early
2020
55 d early
2019
42 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€10k▼ 43.9%
2024 · €18k
2019: €27k
2020: €15k
2021: €55k
2022: €29k
2023: €28k
2024: €18k
2019 → 2025
Working capital
€147k▲ 5.5%
2024 · €139k
2019: €48k
2020: €24k
2021: €96k
2022: €130k
2023: €139k
2024: €139k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€154k-€183k▲ 18.8%€210k▲ 15.2%€157k▼ 25.2%€168k▲ 6.6%
Operating result€75k-€46k▼ 38.6%€44k▼ 3.2%€31k▼ 29.0%€27k▼ 13.2%
Net result€55k-€29k▼ 47.8%€28k▼ 4.1%€18k▼ 33.5%€10k▼ 43.9%
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 13% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €519k
Fixed assets
€21k ▲ 8.2%
Current assets
€498k ▲ 6.6%
Equity and liabilities €519k
Equity
€168k ▲ 6.6%
Debt
€351k ▲ 6.6%
Debt's share of the balance-sheet total stays at 67.7%.
Key figures and ratios
EBITDA
€40k▼
2024 · €49k
Cash flow
€23k▼
2024 · €36k
Current ratio
1.42▼
2024 · 1.42
Quick ratio
1.41▼
2024 · 1.42
Debt to equity
2.10▲
2024 · 2.09
ROE
6.2%▼
2024 · 11.7%
ROA
2.0%▼
2024 · 3.8%
Interest coverage
5.49▼
2024 · 12.53
Debt ≤ 1 year
€351k▲
2024 · €328k
Income taxes
€10k▲
2024 · €9k
Staff costs
€923k▲
2024 · €825k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€487k€519k▲
Fixed assets21/28€19k€21k▲
Tangible fixed assets22/27€19k€21k▲
Plant, machinery and equipment23€4k€8k▲
Furniture and vehicles24€13k€11k▼
Other tangible fixed assets26€2k€3k▲
Current assets29/58€467k€498k▲
Stocks and contracts in progress3€1k€2k▲
Stocks30/36€1k€2k▲
Amounts receivable within one year40/41€420k€470k▲
Trade receivables40€357k€413k▲
Other amounts receivable41€63k€56k▼
Cash at bank and in hand54/58€29k€3k▼
Deferred charges and accrued income490/1€17k€23k▲
Equity and liabilities
Total equity and liabilities10/49€487k€519k▲
Equity10/15€157k€168k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€12k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133-€12k
Profit (loss) carried forward14€137k€137k=
Amounts payable17/49€329k€351k▲
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€328k€351k▲
Current portion of amounts payable after more than one year42€36k€34k▼
Trade debts44€149k€226k▲
Suppliers440/4€149k€226k▲
Taxes, remuneration and social security45€69k€70k▲
Taxes450/3€6k€2k▼
Remuneration and social security454/9€63k€68k▲
Other amounts payable47/48€75k€21k▼
Income statement
Code20242025
Non-recurring operating income76A€1k€5k▲
Remuneration, social security and pensions62€825k€923k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€13k▼
Other operating charges640/8€37k€45k▲
Non-recurring operating charges66A€14€698▲
Gross operating margin9900€911k€1.01M▲
Operating profit (loss)9901€31k€27k▼
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€28k€20k▼
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€18k€10k▼
Profit (loss) for the period to be appropriated9905€18k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€208k€147k▼
Profit (loss) brought forward from the previous period14P€190k€137k▼
Transfer to equity691/2-€10k
To other reserves6921-€10k
Profit to be distributed694/7€72k-
Return on contributions (dividend)694€72k-
Social balance
Average headcount (FTE)908720.121.7▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Weakest financial yearnet €10k ▼43.9%
Net result drops to €10k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Equity above €200kEq €210k ▲15.2%
5 profitable years in a row build equity to €210k.
29-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Highest result since 2019net €55k ▲274%
Operating result €75k, net result €55k, both a record.
30-06
Financial
Equity above €150kEq €154k ▲56.5%
3 profitable years in a row build equity to €154k.
2020
07-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
04-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
16-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2015
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.
Paul Hymanslaan 1051200 Sint-Lambrechts-WoluweGround area
1.6 ha
Building footprint
4,063 m²
Volume, LiDAR
100,969 m³
2 parcels, Brussels · tallest building 49.7 m, ±11 floors. Linked by address, not a title deed.
1 establishment unit
AGMS
since 20152.247.211.074
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21672C0058/00G006 | Brussels | 1.2 ha | 1 · 2,336 m² | 49.7 m · 11 fl. |
| 21911C0127/00H008 | Brussels | 3,933 m² | 1 · 1,726 m² | 16.5 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 500 EUR awarded · 500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 500 EUR | 500 EUR |
Schemes
Stagebonus (stopgezet)
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Of 7,013 companies in sector 81220 we hold annual accounts for 2,416. 1,898 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-09-2004
Fiscal year end30-06
Activities, NACEBEL 2025
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.