AG12
ActiveThe computed 12-month bankruptcy probability of AG12 is 2.2% (moderate). The 2025 annual accounts show equity of €7k and a net result of €8k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 26% of 939 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100
Solvency17▼-83
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.82), and 84.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 52
Relative position
BE, all sectors
reference
Sector 52
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €7k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 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 filingsDeviation from the deadline
2025
28 d late
2024
23 d late
2023
21 d late
2022
8 d early
2021
10 d early
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▲ 121%
2024 · €3k
2021: €4k
2022: €3k
2023: €3k
2024: €3k
2021 → 2025
Total assets
€45k▲ 1,154%
2024 · €4k
2021: €7k
2022: €6k
2023: €6k
2024: €4k
2021 → 2025
Net result
€8k
2023 · €-30
2021: €1k
2022: €-942
2023: €-30
2021 → 2025
Working capital
€-7k
2024 · €3k
2021: €4k
2022: €3k
2023: €3k
2024: €3k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€3k▼ 23.0%€3k▼ 0.9%€3k=€7k▲ 121%
Operating result€1k-€-897€-30▲ 96.7%€10k
Net result€1k-€-942€-30▲ 96.8%€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10k after a loss of €30 in 2023, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€14k
Current assets
€31k
Equity and liabilities €45k
Equity
€7k▲ 121%
Debt
€38k▲ 8,448%
The debt ratio rises from 12.4% to 84.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€11k
Cash flow
€8k
Solvency
15.4%
Current ratio
0.82
Quick ratio
0.82
Debt / equity
5.48
ROE
112.6%
ROA
17.4%
Interest coverage
23.00
Debt
€38k▲
2024 · €443
Debt ≤ 1 year
€38k▲
2024 · €443
Income taxes
€2k
Staff costs
€64k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€4k€45k▲
Fixed assets21/28-€14k
Tangible fixed assets22/27-€14k
Furniture and vehicles24-€14k
Current assets29/58€4k€31k▲
Amounts receivable within one year40/41€550€31k▲
Trade receivables40-€31k
Other amounts receivable41€550-
Cash at bank and in hand54/58€3k€61▼
Equity and liabilities
Total equity and liabilities10/49€4k€45k▲
Equity10/15€3k€7k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€130€4k▲
Amounts payable17/49€443€38k▲
Amounts payable within one year42/48€443€38k▲
Trade debts44-€12k
Suppliers440/4-€12k
Taxes, remuneration and social security45-€20k
Taxes450/3-€8k
Remuneration and social security454/9-€11k
Other amounts payable47/48€443€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€64k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€636
Other operating charges640/8-€950
Gross operating margin9900-€76k
Operating profit (loss)9901-€10k
Financial charges65/66B-€480
Recurring financial charges65-€480
Profit (loss) for the period before taxes9903-€10k
Income taxes67/77-€2k
Profit (loss) for the period9904-€8k
Profit (loss) for the period to be appropriated9905-€8k
Appropriation of the result
Profit (loss) to be appropriated9906€130€8k▲
Profit (loss) brought forward from the previous period14P€130€130=
Profit to be distributed694/7-€4k
Return on contributions (dividend)694-€4k
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2021net €8k
Operating result €10k, net result €8k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 8.06
Current ratio from 2.09 to 8.06; short-term debt falls from €3k to €443.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
23-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-942 ▼186%
Net result drops to €-942, the lowest in the series; recovery starts the following year.
21-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2022
Gandouz Abdelkader
CurrentDirector · since 02-08-2022
02-08-2022
Gandouz Abdelkader: Appointed as Director
02-08-2022
M'rabet Samira: Resigned as Director
Location & real-estate footprint
Registered office, Seraing · 1 establishment unit since 2020
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.
Rue de la Commune 24101 SeraingGround area
93 m²
Building footprint
48 m²
Parcel 62058A0506/00E005, Wallonia. Linked by address, not a title deed.
1 establishment unit
AG12
since 20202.313.610.445
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62058A0506/00E005 | Wallonia | 93 m² | 1 · 48 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Parcel delivery
Notified to the BIPT
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Of 3,176 companies in sector 52250 we hold annual accounts for 1,943. 519 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-08-2020
Fiscal year end31-12
Activities, NACEBEL
52250Logistics services
52290Warehousing and support activities for transportation
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:AG12.AA@OUTLOOK.COM