AGAM R
ActiveThe computed 12-month bankruptcy probability of AGAM R is 1.7% (moderate). The 2024 annual accounts show equity of €67k and a net result of €10k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 65% of 26052 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability61▲+5
Solvency75▲+6
Growth64=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days only on tighter terms
Liquidity ample (current ratio 3.56 against 4.65 in 2023; short-term debt: 25% and cash: 26.9% of total assets), but 50.2% 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
49.8%
Return on assets
7.1%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-11-2025, 95 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
95 d late
2023
197 d late
2022
115 d late
2021
121 d late
2020
17 d late
2019
14 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€1.08M▲ 13.5%
2023 · €951k
2018: €447k
2019: €441k
2020: €291k
2023: €951k
2018 → 2024
EBIT margin
0.9%▲ 0.1pp
2023 · 0.8%
2018: 2.3%
2019: 1.8%
2020: 2.1%
2023: 0.8%
2018 → 2024
Net result
€10k▲ 440%
2023 · €2k
2018: €10k
2019: €6k
2020: €6k
2021: €11k
2022: €14k
2023: €2k
2018 → 2024
Working capital
€86k▲ 2.6%
2023 · €84k
2018: €22k
2019: €20k
2020: €24k
2021: €64k
2022: €84k
2023: €84k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€291k-€951k€1.08M▲ 13.5%
Equity€31k-€42k▲ 36.6%€56k▲ 32.0%€58k▲ 3.2%€67k▲ 16.6%
Operating result€6k-€12k▲ 97.5%€14k▲ 14.5%€8k▼ 46.3%€9k▲ 24.5%
Net result€6k-€11k▲ 82.6%€14k▲ 19.5%€2k▼ 86.9%€10k▲ 440%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 24% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €135k
Fixed assets
€15k▼ 35.0%
Current assets
€120k▲ 12.0%
Equity and liabilities €135k
Equity
€67k▲ 16.6%
Debt
€68k▼ 6.7%
The debt ratio falls from 55.8% to 50.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€23k▲
2023 · €18k
Cash flow
€23k▲
2023 · €13k
Solvency
49.8%▲
2023 · 44.2%
Current ratio
3.56▼
2023 · 4.65
Quick ratio
1.53▼
2023 · 1.86
Debt / equity
1.01▼
2023 · 1.26
ROE
14.2%▲
2023 · 3.1%
ROA
7.1%▲
2023 · 1.4%
Interest coverage
23.04▲
2023 · 7.46
Debt
€68k▼
2023 · €73k
Debt ≤ 1 year
€34k▲
2023 · €23k
Debt > 1 year
€34k▼
2023 · €50k
Income taxes
€771▼
2023 · €3k
Staff costs
€8k▼
2023 · €8k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€131k€135k▲
Fixed assets21/28€23k€15k▼
Intangible fixed assets21€1k€1k=
Tangible fixed assets22/27€21k€10k▼
Furniture and vehicles24€21k€10k▼
Financial fixed assets28€773€4k▲
Current assets29/58€107k€120k▲
Amounts receivable after more than one year29€2k€2k=
Trade receivables290€2k€2k=
Stocks and contracts in progress3€64k€69k▲
Stocks30/36€64k€69k▲
Amounts receivable within one year40/41€20k€14k▼
Trade receivables40€527€527=
Other amounts receivable41€20k€13k▼
Cash at bank and in hand54/58€21k€36k▲
Equity and liabilities
Total equity and liabilities10/49€131k€135k▲
Equity10/15€58k€67k▲
Contributions10/11€19k€19k=
Reserves13€813€813=
Non-distributable reserves130/1€813€813=
Reserves not available under the articles1311-€813
Other1319€813-
Profit (loss) carried forward14€38k€48k▲
Amounts payable17/49€73k€68k▼
Amounts payable after more than one year17€50k€34k▼
Financial debts170/4€50k€34k▼
Amounts payable within one year42/48€23k€34k▲
Current portion of amounts payable after more than one year42-€2k
Trade debts44-€4k
Suppliers440/4-€4k
Advances received on contracts in progress46€13k€17k▲
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€9k€11k▲
Remuneration and social security454/9€267-
Other amounts payable47/48€864€864=
Income statement
Code20232024
Turnover70€951k€1.08M▲
Goods, raw materials, services and sundry goods60/61€922k€1.05M▲
Remuneration, social security and pensions62€8k€8k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€13k▲
Other operating charges640/8€3k€813▼
Gross operating margin9900€29k€31k▲
Operating profit (loss)9901€8k€9k▲
Financial income75/76B-€2k
Recurring financial income75-€2k
Financial charges65/66B€2k€983▼
Recurring financial charges65€2k€983▼
Profit (loss) for the period before taxes9903€5k€10k▲
Income taxes67/77€3k€771▼
Profit (loss) for the period9904€2k€10k▲
Profit (loss) for the period to be appropriated9905€2k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€48k▲
Profit (loss) brought forward from the previous period14P€37k€38k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
03-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 95 days late
13-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 197 days late
2023
31-12
Financial
Weakest financial yearnet €2k ▼86.9%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
23-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 115 days late
2022
31-12
Financial
Highest result since 2018net €14k ▲19.5%
Operating result €14k, net result €14k, both a record.
31-12
Financial
Liquidity times 17current ratio 188.60
Current ratio from 10.94 to 188.60; short-term debt falls from €6k to €449.
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 121 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 17 days late
2020
31-12
Financial
Liquidity quadruplescurrent ratio 5.95
Current ratio from 1.66 to 5.95; short-term debt falls from €30k to €5k.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 14 days late
2019
07-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 99 days late
2018
27-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 119 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Koekelberg · 1 establishment unit since 2016
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.
Schmitzstraat 521081 KoekelbergGround area
205 m²
Building footprint
195 m²
Volume, LiDAR
2,134 m³
2 parcels, Brussels · tallest building 19.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
7 DAYS PRESS & SHOP
since 20162.258.752.688
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0221/00L000 | Brussels | 133 m² | 1 · 123 m² | 15.9 m · 2 fl. |
| 21816C0084/00T007 | Brussels | 72 m² | 1 · 71 m² | 19.1 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.258.752.688
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Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 4,671 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2016
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47260Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.
Contact details
1 entryE-mail:agamrsprl@gmail.com