AGD AUTO
ActiveSummary
The computed 12-month bankruptcy probability of AGD AUTO is 2.1% (moderate). The 2025 annual accounts show equity of €51,300 and a net result of €11,004. Equity is growing by ~32.8% per year across the filed fiscal years. Its solvency ranks better than 55% of 18626 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-9
Solvency65▼-3
Growth78=
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.75 in 2024; short-term debt: 58.1% and cash: 12.8% of total assets), but 59.6% of the assets are financed with debt.
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Signals
Five 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.4%
Return on assets
8.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 3 filingsDeviation from the deadline
2025
25 d late
2024
35 d early
2023
33 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 14 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 June (3 of the last 3 filed years within 57 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€51,300▲ 27.3%
2024 · €40,296
Total assets
€127,028▲ 35.2%
2024 · €93,923
Net result
€11,004▼ 28.6%
2024 · €15,412
Working capital
€45,673▲ 17.4%
2024 · €38,889
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€13,766-€19,940▲ 44.9%€15,003▼ 24.8%
Net result€10,884within the sector's middle half-€15,412within the sector's middle half▲ 41.6%€11,004within the sector's middle half▼ 28.6%
Equity€24,884within the sector's middle half-€40,296within the sector's middle half▲ 61.9%€51,300within the sector's middle half▲ 27.3%
Total assets€79,299within the sector's middle half-€93,923within the sector's middle half▲ 18.4%€127,028within the sector's middle half▲ 35.2%
Debt€54,415-€53,628▼ 1.4%€75,728▲ 41.2%
Working capital€25,267within the sector's middle half-€38,889within the sector's middle half▲ 53.9%€45,673within the sector's middle half▲ 17.4%
Solvency31.4%within the sector's middle half-42.9%within the sector's middle half▲ 11.5pp40.4%within the sector's middle half▼ 2.5pp
Current ratio1.48within the sector's middle half-1.75within the sector's middle half▲ 0.271.62within the sector's middle half▼ 0.13
Return on assets (ROA)13.7%above the sector's middle half-16.4%above the sector's middle half▲ 2.7pp8.7%within the sector's middle half▼ 7.7pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
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 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €127,028
Fixed assets
€7,527 ▲ 159%
Current assets
€119,501 ▲ 31.3%
Equity and liabilities €127,028
Equity
€51,300 ▲ 27.3%
Debt
€75,728 ▲ 41.2%
Debt's share of the balance-sheet total rises from 57.1% to 59.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15,551▼
2024 · €20,350
Cash flow
€11,552▼
2024 · €15,822
Quick ratio
0.91▲
2024 · 0.33
Debt to equity
1.48▲
2024 · 1.33
ROE
21.5%▼
2024 · 38.2%
Interest coverage
78.66▼
2024 · 131.68
Debt ≤ 1 year
€73,828▲
2024 · €52,128
Income taxes
€4,110▼
2024 · €4,374
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.3%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €113 | €410 | €548 | ▲ 33.7% |
| Other operating charges640/8 | €1,258 | €1,371 | €4,597 | ▲ 235% |
| Gross operating margin9900 | €15,137 | €21,721 | €20,148 | ▼ 7.2% |
| Operating profit (loss)9901 | €13,766 | €19,940 | €15,003 | ▼ 24.8% |
| Financial income75/76B | - | €0 | €348 | ▲ 145,088% |
| Recurring financial income75 | - | €0 | €348 | ▲ 145,088% |
| Non-recurring financial income76B | - | - | €348 | - |
| Financial charges65/66B | €11 | €155 | €238 | ▲ 53.8% |
| Recurring financial charges65 | €11 | €155 | €198 | ▲ 27.9% |
| Non-recurring financial charges66B | - | - | €40 | - |
| Profit (loss) for the period before taxes9903 | €13,755 | €19,786 | €15,114 | ▼ 23.6% |
| Income taxes67/77 | €2,871 | €4,374 | €4,110 | ▼ 6.0% |
| Profit (loss) for the period9904 | €10,884 | €15,412 | €11,004 | ▼ 28.6% |
| Profit (loss) for the period to be appropriated9905 | €10,884 | €15,412 | €11,004 | ▼ 28.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €79,299 | €93,923 | €127,028 | ▲ 35.2% |
| Fixed assets21/28 | €1,116 | €2,907 | €7,527 | ▲ 159% |
| Tangible fixed assets22/27 | €1,116 | €707 | €1,727 | ▲ 144% |
| Furniture and vehicles24 | €1,116 | €707 | €1,727 | ▲ 144% |
| Financial fixed assets28 | - | €2,200 | €5,800 | ▲ 164% |
| Current assets29/58 | €78,183 | €91,017 | €119,501 | ▲ 31.3% |
| Stocks and contracts in progress3 | €66,821 | €74,036 | €52,506 | ▼ 29.1% |
| Stocks30/36 | €66,821 | €74,036 | €52,506 | ▼ 29.1% |
| Amounts receivable within one year40/41 | - | €6,750 | €50,025 | ▲ 641% |
| Trade receivables40 | - | - | €50,025 | - |
| Other amounts receivable41 | - | €6,750 | - | - |
| Cash at bank and in hand54/58 | €9,951 | €8,776 | €16,210 | ▲ 84.7% |
| Deferred charges and accrued income490/1 | €1,410 | €1,455 | €759 | ▼ 47.8% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €79,299 | €93,923 | €127,028 | ▲ 35.2% |
| Equity10/15 | €24,884 | €40,296 | €51,300 | ▲ 27.3% |
| Contributions10/11 | €14,000 | €14,000 | €14,000 | = |
| Profit (loss) carried forward14 | €10,884 | €26,296 | €37,300 | ▲ 41.8% |
| Amounts payable17/49 | €54,415 | €53,628 | €75,728 | ▲ 41.2% |
| Amounts payable within one year42/48 | €52,915 | €52,128 | €73,828 | ▲ 41.6% |
| Trade debts44 | €15,432 | €825 | €44,889 | ▲ 5,340% |
| Suppliers440/4 | €15,432 | €825 | €44,889 | ▲ 5,340% |
| Taxes, remuneration and social security45 | €3,122 | €10,399 | €5,049 | ▼ 51.4% |
| Taxes450/3 | €3,122 | €10,399 | €5,049 | ▼ 51.4% |
| Other amounts payable47/48 | €34,362 | €40,904 | €23,890 | ▼ 41.6% |
| Accrued charges and deferred income492/3 | €1,500 | €1,500 | €1,900 | ▲ 26.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,884 | €15,412 | €11,004 | ▼ 28.6% |
| + Depreciation and write-downs630 | €113 | €410 | €548 | ▲ 33.7% |
| Operating cash flow (approximation) | €10,997 | €15,822 | €11,552 | ▼ 27.0% |
| Investment in fixed assets (approximation) | - | -€2,200 | -€5,168 | ▼ 135% |
| Change in cash | - | -€1,175 | €7,434 | ▲ 733% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
25-03
State Gazette act
Registered officeRegistered-office move · Seat change effective date3 facts ▸
State Gazette act
Registered office
Registered-office move · Seat change effective date3 facts ▸
- Board meeting, 28/01/2026
- Registered-office move, Avenue de l'Union, 25A+, à 4432 ANS
- Seat change effective date, 01/01/2026
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €15,412 ▲41.6%
Operating result €19,940, net result €15,412, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ans · 1 establishment unit since 2023
Ground area
7,577 m²
Building footprint
404 m²
Volume, LiDAR
2,030 m³
2 parcels, Wallonia · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AGD auto
since 20232.342.874.355
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62001B0453/02Y000 | Wallonia | 7,445 m² | 1 · 348 m² | 6.5 m · 1 fl. |
| 62313E0107/00B000 | Wallonia | 132 m² | 1 · 55 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,663 companies in sector 47811 we hold annual accounts for 5,225. 3,319 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-02-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0798546758
Registered
03-04-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.