AGAZZI
ActiveAGAZZI has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €-1k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 36% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-4
Solvency57▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.59 against 0.58 in 2024; short-term debt: 27.8% and cash: 4.7% of total assets), and 67.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
32.2%
Return on assets
-0.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
17 d early
2023
15 d early
2022
12 d early
2021
17 d early
2020
19 d early
2019
25 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-1k
2024 · €3k
2018: €-826
2019: €-8k
2020: €15k
2021: €5k
2022: €6k
2023: €16k
2024: €3k
2018 → 2025
Working capital
€-17k▲ 0.8%
2024 · €-17k
2018: €18k
2019: €4k
2020: €16k
2021: €11k
2022: €6k
2023: €-20k
2024: €-17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€48k▲ 15.1%€47k▼ 2.1%€50k▲ 5.4%€49k▼ 2.8%
Operating result€7k-€14k▲ 90.5%€29k▲ 109%€10k▼ 66.1%€2k▼ 78.4%
Net result€5k-€6k▲ 30.3%€16k▲ 148%€3k▼ 83.7%€-1k
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 78% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151k
Fixed assets
€126k▼ 8.4%
Current assets
€25k▲ 4.3%
Equity and liabilities €151k
Equity
€49k▼ 2.8%
Debt
€102k▼ 8.2%
The debt ratio falls from 69.1% to 67.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€14k▼
2024 · €22k
Cash flow
€10k▼
2024 · €15k
Solvency
32.2%▲
2024 · 30.9%
Current ratio
0.59▲
2024 · 0.58
Quick ratio
0.59▲
2024 · 0.58
Debt / equity
2.11▼
2024 · 2.23
ROE
-2.9%▼
2024 · 5.2%
ROA
-0.9%▼
2024 · 1.6%
Interest coverage
5.96▼
2024 · 6.88
Debt
€102k▼
2024 · €111k
Debt ≤ 1 year
€42k▲
2024 · €41k
Debt > 1 year
€59k▼
2024 · €69k
Income taxes
€2k▼
2024 · €4k
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€161k€151k▼
Fixed assets21/28€138k€126k▼
Tangible fixed assets22/27€138k€126k▼
Land and buildings22€128k€120k▼
Plant, machinery and equipment23€808€538▼
Furniture and vehicles24€2k€0▼
Other tangible fixed assets26€6k€5k▼
Current assets29/58€24k€25k▲
Amounts receivable within one year40/41€6k€2k▼
Trade receivables40€6k€333▼
Other amounts receivable41-€2k
Current investments50/53€12k€13k▲
Cash at bank and in hand54/58€4k€7k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€161k€151k▼
Equity10/15€50k€49k▼
Contributions10/11€12k€12k=
Reserves13€35k€35k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€33k€33k=
Profit (loss) carried forward14€3k€1k▼
Amounts payable17/49€111k€102k▼
Amounts payable after more than one year17€69k€59k▼
Financial debts170/4€69k€59k▼
Amounts payable within one year42/48€41k€42k▲
Current portion of amounts payable after more than one year42€12k€10k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Advances received on contracts in progress46€351€0▼
Taxes, remuneration and social security45€2k€2k=
Taxes450/3€2k€2k=
Other amounts payable47/48€25k€28k▲
Accrued charges and deferred income492/3€975€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€25k€17k▼
Operating profit (loss)9901€10k€2k▼
Financial income75/76B€88€688▲
Recurring financial income75€88€688▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€7k€508▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€3k€-1k▼
Profit (loss) for the period to be appropriated9905€3k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€1k▼
Profit (loss) brought forward from the previous period14P-€3k
Transfer from equity791/2€0-
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (8 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €16k ▲148%
Operating result €29k, net result €16k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
2019
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Charleroi · 1 establishment unit since 2013
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.
4ème Avenue 206001 CharleroiGround area
685 m²
Building footprint
173 m²
Volume, LiDAR
1,126 m³
2 parcels, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Beaumont 488, 6030 Charleroi
since 20132.217.737.823
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52044B0552/00P002 | Wallonia | 594 m² | 1 · 58 m² | 10.3 m · 3 fl. |
| 52392D0091/00P018 | Wallonia | 90 m² | 1 · 115 m² | 11.3 m · 2 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
Legal Entity Identifier
875500PT023VXC867V55
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Of 11,225 companies in sector 82100 we hold annual accounts for 3,511. 2,535 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-2013
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0478/68.48.63