AG & Y

Active

Private limited company (pre-2019)founded 2016active for 10 yearsKeizerstraat 23, 8310 Brugge, BelgiumKBO/BCE: BE 0662.773.680

Summary

AG & Y has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4,011 and a net result of -€593. Equity is shrinking by about 9.8% per year across the filed financial years. Its solvency ranks better than 95% of 1,587 sector peers (NACE 55, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisFollow Report Compare

AG & YActiveChecked score 66/100

Risk analysis Report Compare

Activity

Hotels and similar accommodation

NACE 55100Limited-service restaurants, excluding mobile food services NACE 56112

1 site

Size

€4,011total assets 2025

Equity: €4,011
Loss: -€593

Turnover not published (micro format)

Financial health

66 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.9%

Structure

2025 accounts 17 days early4 deeds in the Belgian Official Gazette

Why 66raises riskLiquidity: cash €1, halvedLoss of €593, the second in a row (financial year 2025)lowers riskSize: total assets €4,011Equity €4,011 (100.0% of total assets)Show the evidence

Checked score

Score 2025

66 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 33% of its sector peers (NACE 55, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 100=

equity 100.0% of total assets

Liquidity 0-1

cash 0.0%

Profitability 1-16

return on assets -14.8%

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (2,515 companies, NACE 55, micro)

Last 24 months 11-2024: 0.8% 12-2024: 0.8%● unchanged vs 11-2024 01-2025: 0.6%▼ -0.2 percentage points vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.6%● unchanged vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.6%● unchanged vs 06-2025 08-2025: 0.6%● unchanged vs 07-2025lowest value 09-2025: 0.6%● unchanged vs 08-2025 10-2025: 0.6%● unchanged vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.7%▲ +0.1 percentage points vs 12-2025 02-2026: 0.9%▲ +0.2 percentage points vs 01-2026 03-2026: 0.9%● unchanged vs 02-2026 04-2026: 0.9%● unchanged vs 03-2026 05-2026: 0.9%● unchanged vs 04-2026 06-2026: 0.9%● unchanged vs 05-2026 07-2026: 0.9%● unchanged vs 06-2026 08-2026: 0.9%● unchanged vs 07-2026 09-2026: 0.9%● unchanged vs 08-2026 10-2026: 0.9%● unchanged vs 09-2026highest value

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 55, micro): better than 93% on solvency, 1% on liquidity, 10% on profitability and 28% on growth.

The bankruptcy probability was computed on 23-10-2026 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 riskneutral

Size: total assets €4,011

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

NBB · annual accounts

Liquidity: cash €1, halved

NBB · annual accounts

Loss of €593, the second in a row (financial year 2025)

NBB · annual accounts

Equity €4,011 (100.0% of total assets)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 14-01-2026, 17 days ahead of the deadline.

NBB · 8 filings

Deviation from the deadline

2025

17 days early

2024

44 days early

2023

23 days early

2022

on the day

2021

3 days early

2020

1 day late

2019

on the day

← 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 12 days before the deadline; the sector median (NACE 55) for financial year 2024 is 1 day before the deadline, and 45% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 14 January (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-06-2026 year end24-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

14-01-2026 Annual accounts filedfinancial year 2025 · micro…
18-12-2024 Annual accounts filedfinancial year 2024 · micro…
08-01-2024 Annual accounts filedfinancial year 2023 · micro…

Key points

Risk: 3 loss-making years in a rowloss financial year 2025 -€593 View
Positive: Among the best 5% on solvencysector median 19.0% · 1,587 companies 100.0% View
Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View

By topic

Financials

Financial year: 2025
Total assets: €4,011
Loss: -€593
Solvency: 100.0%

Total assets▼ 12.9%

Net result

20192025

Go to Financials

Timeline

Events: 8
Since: 2019
Next accounts: by 31-01-2027

31-01-2023Annual accounts filed
28-01-2022Annual accounts filed
01-02-2021Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company (pre-2019)
Activity: Hotels and similar accommodationNACE 55100
Founded: 20-09-2016
Year ends: 30-06
Peppol: Reachable for e-invoices

Go to Company details

Key facts about AG & Y

What is the company number of AG & Y?: 0662.773.680. In Belgium the VAT number is the company number with BE in front: BE 0662.773.680.
Where is AG & Y based?: The registered office is at Keizerstraat 23, 8310 Brugge.Company details
What does AG & Y do?: According to the KBO register, the main activity is hotels and similar accommodation (NACE 55100).
What is the legal form of AG & Y?: Private limited company (pre-2019) (BVBA).
When was AG & Y founded?: On 20-09-2016.
Is AG & Y still active?: Yes, AG & Y is an active enterprise in the KBO register.
What is the turnover of AG & Y?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is AG & Y profitable?: In financial year 2025, AG & Y made a loss of €593.
Where can I find the annual accounts of AG & Y?: AG & Y filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of AG & Y due?: By 31-01-2027, for financial year 2026.Timeline