AG Residential

Active

Public limited companyfounded 20223 yrs activeKunstlaan 58, 1000 Brussel, BelgiumKBO/BCE: BE 0794.337.651

Summary

The annual accounts of AG Residential for fiscal year 2025 show a net loss of 53% of total assets. The 2025 annual accounts show equity of €4.9m and a net result of -€2.8m. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 89% of 1147 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisWatch Report Compare

AG ResidentialActiveChecked score 56/100

Risk analysis Report Compare

Activity

Other business support services

NACE 82990

1 site

Size

€5.3mtotal assets 2025

Staff: 9.6 FTE
Equity: €4.9m
Loss: -€2.8m

Financial health

56 Fair Checked score 2025

Bankruptcy chance 12 m: 0.8%

Structure

Parent: AG REAL ESTATE LAND · 100%
Board: 1 member

Auditor: PricewaterhouseCoopers Reviseurs d'EntreprisesAccounts 65 d early3 of 11 deeds read

Why 56Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Liquidity: current ratio 12.13- Loss of €2.8m, the second in a row (FY 2025)+ Sector Office administrative, office support and other business support activities (NACE 82)+ Equity €4.9m (91.8% of total assets)Show the evidence

Checked score

Score 2025

56 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 51% of its sector peers (NACE 82, micro)

Performance against the sector, not lower risk

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 91.8% of total assets

Liquidity 100+6

short-term debt 8.2%

Profitability 0=

return on assets -53.0%

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,601 companies)

Last 24 months 11-2024: 0.8% 12-2024: 0.8%● 0.0% vs 11-2024 01-2025: 0.8%▼ -3.3% vs 12-2024 02-2025: 0.8%● 0.0% vs 01-2025 03-2025: 0.8%▲ +1.0% vs 02-2025 04-2025: 0.8%● 0.0% vs 03-2025 05-2025: 0.8%● 0.0% vs 04-2025 06-2025: 0.7%▼ -13.5% vs 05-2025lowest value 07-2025: 0.7%● 0.0% vs 06-2025lowest value 08-2025: 0.7%● 0.0% vs 07-2025lowest value 09-2025: 0.7%● 0.0% vs 08-2025lowest value 10-2025: 0.7%● 0.0% vs 09-2025lowest value 11-2025: 0.7%● 0.0% vs 10-2025lowest value 12-2025: 0.7%● 0.0% vs 11-2025lowest value 01-2026: 0.7%▲ +0.3% vs 12-2025 02-2026: 0.7%● 0.0% vs 01-2026 03-2026: 0.7%▲ +3.4% vs 02-2026 04-2026: 0.7%● 0.0% vs 03-2026 05-2026: 0.7%▼ -1.2% vs 04-2026 06-2026: 0.9%▲ +27.1% vs 05-2026highest value 07-2026: 0.9%● 0.0% vs 06-2026highest value 08-2026: 0.8%▼ -16.1% vs 07-2026 09-2026: 0.8%● 0.0% vs 08-2026 10-2026: 0.8%● 0.0% vs 09-2026

Liquidity: current ratio 12.13 raises the probability
Sector Office administrative, office support and other business support activities (NACE 82) lowers the probability
Loss of €2.8m, the second in a row (FY 2025) raises the probability
Equity €4.9m (91.8% of total assets) lowers the probability

Credit up to €270,000 at 30 days only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity ample (current ratio 12.13 against 6.58 in 2024; short-term debt: 8.2% of total assets), and 8.2% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 82, micro). Better than this share of them on solvency 88%, liquidity 97%, profitability 5%, growth against the median 15%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

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

−lowers risk+raises risk○neutral

Liquidity: current ratio 12.13

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Sector Office administrative, office support and other business support activities (NACE 82)

In the bankruptcy model this factor lowers the probability.

KBO

Loss of €2.8m, the second in a row (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Equity €4.9m (91.8% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

232425

2023 to 2025 · latest year -€2.8m

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-05-2026, 65 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

65 d early

2024

77 d early

2023

75 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 72 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 18 May (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

07-10-2026 today31-12-2026 close31-07-2027 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

27-05-26 Annual accounts filedfiscal year 2025 · full…
22-05-26 Reappointment: PwC Reviseurs d'Entreprises (statutory auditor)Permanent representative: Damien Walgrave ·…
08-12-25 Resignation: Filip DEPREZ (membre du comité…Appointment: LUMA REAL ESTATE (daily…

Key points

Risk: 3 loss-making years in a rowloss fiscal year 2025 -€2.8m View
Caution: Among the weakest 5% on net resultsector median €49,016 · 1,148 companies -€2.8m View
Caution: Board changedlatest change 17-10-2025 · 1 in office 1 joined · 1 left View
Controlled by AG REAL ESTATE LANDultimately: AGEAS SA/NV 100% View
Caution: Equity fell in 2025from €7.7m to €4.9m ▼ 36.6% View