AGA BOUW
ActiveAGA BOUW has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €4k. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-7
Solvency63▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.53 in 2024; short-term debt: 61.6% of total assets), but 61.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-11-2025, 27 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 · 6 filingsDeviation from the deadline
2025
27 d late
2024
45 d early
2023
21 d late
2022
3 d late
2021
178 d late
2020
543 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close18-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▲ 10.3%
2024 · €35k
2020: €15k
2021: €17k
2022: €24k
2023: €27k
2024: €35k
2020 → 2025
Total assets
€100k▲ 16.9%
2024 · €86k
2020: €16k
2021: €35k
2022: €45k
2023: €73k
2024: €86k
2020 → 2025
Net result
€4k▼ 53.5%
2024 · €8k
2020: €271
2021: €2k
2022: €7k
2023: €3k
2024: €8k
2020 → 2025
Working capital
€33k▲ 24.8%
2024 · €27k
2020: €12k
2021: €17k
2022: €23k
2023: €23k
2024: €27k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€24k▲ 43.4%€27k▲ 13.0%€35k▲ 28.4%€38k▲ 10.3%
Operating result€2k-€8k▲ 257%€5k▼ 39.5%€11k▲ 121%€5k▼ 55.0%
Net result€2k-€7k▲ 230%€3k▼ 57.1%€8k▲ 148%€4k▼ 53.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€5k▼ 37.1%
Current assets
€95k▲ 22.6%
Equity and liabilities €100k
Equity
€38k▲ 10.3%
Debt
€62k▲ 21.5%
The debt ratio rises from 59.3% to 61.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k▼
2024 · €14k
Cash flow
€7k▼
2024 · €11k
Solvency
38.4%▼
2024 · 40.7%
Current ratio
1.54▲
2024 · 1.53
Quick ratio
1.54▲
2024 · 1.53
Debt / equity
1.60▲
2024 · 1.46
ROE
9.3%▼
2024 · 22.1%
ROA
3.6%▼
2024 · 9.0%
Interest coverage
14.85▼
2024 · 24.27
Debt
€62k▲
2024 · €51k
Debt ≤ 1 year
€62k▲
2024 · €51k
Income taxes
€1k▼
2024 · €3k
Staff costs
€5k▲
2024 · €505
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€86k€100k▲
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€8k€5k▼
Plant, machinery and equipment23€95-
Furniture and vehicles24€8k€5k▼
Current assets29/58€77k€95k▲
Amounts receivable within one year40/41€76k€95k▲
Trade receivables40€72k€91k▲
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58€1k-
Deferred charges and accrued income490/1€13-
Equity and liabilities
Total equity and liabilities10/49€86k€100k▲
Equity10/15€35k€38k▲
Contributions10/11€14k€14k=
Capital10€14k-
Issued capital100€19k-
Uncalled capital101€4k-
Reserves13€381€381=
Non-distributable reserves130/1€381€381=
Legal reserve130€381-
Reserves not available under the articles1311-€381
Profit (loss) carried forward14€20k€24k▲
Amounts payable17/49€51k€62k▲
Amounts payable within one year42/48€51k€62k▲
Current portion of amounts payable after more than one year42€4k€1k▼
Financial debts43€393€5k▲
Credit institutions430/8-€5k
Other loans439€393-
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€7k€1k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€34k€47k▲
Income statement
Code20242025
Remuneration, social security and pensions62€505€5k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€737€579▼
Gross operating margin9900€16k€14k▼
Operating profit (loss)9901€11k€5k▼
Financial income75/76B€99€140▲
Recurring financial income75€99€140▲
Financial charges65/66B€593€547▼
Recurring financial charges65€593€547▼
Profit (loss) for the period before taxes9903€11k€5k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€8k€4k▼
Profit (loss) for the period to be appropriated9905€8k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€24k▲
Profit (loss) brought forward from the previous period14P€12k€20k▲
The notes to these accounts (7 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
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2024
16-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2020net €8k ▲148%
Operating result €11k, net result €8k, both a record.
2023
21-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 178 days late
27-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 543 days late
31-03
Financial
Liquidity doublescurrent ratio 4.27
Current ratio from 1.93 to 4.27; short-term debt falls from €18k to €7k.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Antwerpen · 1 establishment unit since 2018
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.
Jef Lambeauxstraat 382020 AntwerpenGround area
80 m²
Building footprint
80 m²
Volume, LiDAR
622 m³
Parcel 11809I2386/00R016, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AGA BOUW
since 20182.277.817.643
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11809I2386/00R016 | Flanders | 80 m² | 1 · 80 m² | 11.5 m · 3 fl. |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 2,211 EUR awarded · 1,608 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 918 EUR | 918 EUR |
| 2024 | 1 | 87 EUR | 87 EUR |
| 2023 | 1 | 1,206 EUR | 603 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Individueel Maatwerk
Recognitions · licences · registrations
Recognised contractor
2 categoriesAGA BOUW BV43810
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Of 7,864 companies in sector 43341 we hold annual accounts for 2,664. 2,276 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-07-2018
Fiscal year end31-03
Activities, NACEBEL
43341Painting of buildings
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.