AGE Immo
ActiveSummary
AGE Immo has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19,944 and a net result of €11,810. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 34% of 14254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+3
Solvency37▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.34 against 0.41 in 2024; short-term debt: 42.4% and cash: 13.7% of total assets), and 87.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer 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
12.1%
Return on assets
7.2%
Age of the figures
9 mo
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
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
17 d early
2023
8 d early
2022
3 d early
2021
19 d early
2020
8 d early
2019
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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 14 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€19,944▲ 4.2%
2024 · €19,134
Total assets
€164,980▼ 10.5%
2024 · €184,327
Net result
€11,810▲ 21.6%
2024 · €9,714
Working capital
-€46,272▼ 11.1%
2024 · -€41,663
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, 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
Line20212022202320242025
Operating result€10,528▲ 7.4%€11,800▲ 12.1%€15,362▲ 30.2%€16,045▲ 4.4%€18,195▲ 13.4%
Net result€4,902within the sector's middle half▲ 8.3%€6,199within the sector's middle half▲ 26.4%€9,146within the sector's middle half▲ 47.5%€9,714within the sector's middle half▲ 6.2%€11,810within the sector's middle half▲ 21.6%
Equity€18,676within the sector's middle half=€18,874within the sector's middle half▲ 1.1%€18,920within the sector's middle half▲ 0.2%€19,134within the sector's middle half▲ 1.1%€19,944within the sector's middle half▲ 4.2%
Total assets€230,884within the sector's middle half▼ 7.0%€213,094within the sector's middle half▼ 7.7%€203,451within the sector's middle half▼ 4.5%€184,327within the sector's middle half▼ 9.4%€164,980within the sector's middle half▼ 10.5%
Debt€212,208▼ 7.6%€194,220▼ 8.5%€184,531▼ 5.0%€165,194▼ 10.5%€145,037▼ 12.2%
Working capital-€34,788within the sector's middle half▼ 5.0%-€36,641within the sector's middle half▼ 5.3%-€38,973within the sector's middle half▼ 6.4%-€41,663within the sector's middle half▼ 6.9%-€46,272within the sector's middle half▼ 11.1%
Solvency8.1%within the sector's middle half▲ 0.6pp8.9%within the sector's middle half▲ 0.8pp9.3%within the sector's middle half▲ 0.4pp10.4%within the sector's middle half▲ 1.1pp12.1%within the sector's middle half▲ 1.7pp
Current ratio0.45within the sector's middle half▼ 0.030.42within the sector's middle half▼ 0.030.46within the sector's middle half▲ 0.040.41within the sector's middle half▼ 0.040.34below the sector's middle half▼ 0.08
Return on assets (ROA)2.1%within the sector's middle half▲ 0.3pp2.9%within the sector's middle half▲ 0.8pp4.5%within the sector's middle half▲ 1.6pp5.3%within the sector's middle half▲ 0.8pp7.2%within the sector's middle half▲ 1.9pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, 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 has risen four years in a row; 2025 is 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €164,980
Fixed assets
€141,300 ▼ 8.8%
Current assets
€23,681 ▼ 19.5%
Equity and liabilities €164,980
Equity
€19,944 ▲ 4.2%
Debt
€145,037 ▼ 12.2%
Debt's share of the balance-sheet total falls from 89.6% to 87.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€31,790▼
2024 · €31,812
Cash flow
€25,405▼
2024 · €25,481
Debt to equity
7.27▼
2024 · 8.63
ROE
59.2%▲
2024 · 50.8%
Interest coverage
13.83▲
2024 · 11.80
Debt ≤ 1 year
€69,953▼
2024 · €71,096
Debt > 1 year
€75,084▼
2024 · €94,098
Income taxes
€4,087▲
2024 · €3,634
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,053 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 96% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
2.3%
stopped otherwise
96%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 5,053 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,767 | €15,767 | €15,767 | €15,767 | €13,595 | ▼ 13.8% |
| Other operating charges640/8 | €1,433 | €1,468 | €1,609 | €1,674 | €1,727 | ▲ 3.1% |
| Gross operating margin9900 | €27,729 | €29,035 | €32,738 | €33,486 | €33,517 | ▲ 0.1% |
| Operating profit (loss)9901 | €10,528 | €11,800 | €15,362 | €16,045 | €18,195 | ▲ 13.4% |
| Financial charges65/66B | €3,841 | €3,468 | €3,086 | €2,696 | €2,298 | ▼ 14.8% |
| Recurring financial charges65 | €3,841 | €3,468 | €3,086 | €2,696 | €2,298 | ▼ 14.8% |
| Profit (loss) for the period before taxes9903 | €6,687 | €8,332 | €12,275 | €13,348 | €15,897 | ▲ 19.1% |
| Income taxes67/77 | €1,785 | €2,134 | €3,130 | €3,634 | €4,087 | ▲ 12.5% |
| Profit (loss) for the period9904 | €4,902 | €6,199 | €9,146 | €9,714 | €11,810 | ▲ 21.6% |
| Profit (loss) for the period to be appropriated9905 | €4,902 | €6,199 | €9,146 | €9,714 | €11,810 | ▲ 21.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €230,884 | €213,094 | €203,451 | €184,327 | €164,980 | ▼ 10.5% |
| Fixed assets21/28 | €202,196 | €186,429 | €170,662 | €154,895 | €141,300 | ▼ 8.8% |
| Tangible fixed assets22/27 | €202,196 | €186,429 | €170,662 | €154,895 | €141,300 | ▼ 8.8% |
| Land and buildings22 | €202,196 | €186,429 | €170,662 | €154,895 | €141,300 | ▼ 8.8% |
| Current assets29/58 | €28,688 | €26,666 | €32,790 | €29,433 | €23,681 | ▼ 19.5% |
| Amounts receivable within one year40/41 | €932 | €1,161 | €184 | €120 | €1,086 | ▲ 803% |
| Trade receivables40 | €932 | €1,027 | - | - | €1,086 | - |
| Other amounts receivable41 | - | €134 | €184 | €120 | - | - |
| Cash at bank and in hand54/58 | €27,756 | €25,504 | €31,535 | €28,234 | €22,594 | ▼ 20.0% |
| Deferred charges and accrued income490/1 | - | - | €1,071 | €1,078 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €230,884 | €213,094 | €203,451 | €184,327 | €164,980 | ▼ 10.5% |
| Equity10/15 | €18,676 | €18,874 | €18,920 | €19,134 | €19,944 | ▲ 4.2% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | €76 | €274 | €320 | €534 | €1,344 | ▲ 152% |
| Amounts payable17/49 | €212,208 | €194,220 | €184,531 | €165,194 | €145,037 | ▼ 12.2% |
| Amounts payable after more than one year17 | €148,732 | €130,913 | €112,705 | €94,098 | €75,084 | ▼ 20.2% |
| Financial debts170/4 | €148,732 | €130,913 | €112,705 | €94,098 | €75,084 | ▼ 20.2% |
| Amounts payable within one year42/48 | €63,476 | €63,307 | €71,763 | €71,096 | €69,953 | ▼ 1.6% |
| Current portion of amounts payable after more than one year42 | €17,437 | €17,819 | €18,208 | €18,607 | €19,014 | ▲ 2.2% |
| Taxes, remuneration and social security45 | €2,520 | €1,034 | €1,365 | €5,059 | €2,234 | ▼ 55.8% |
| Taxes450/3 | €2,520 | €1,034 | €1,365 | €5,059 | €2,234 | ▼ 55.8% |
| Other amounts payable47/48 | €43,519 | €44,454 | €52,189 | €47,429 | €48,704 | ▲ 2.7% |
| Accrued charges and deferred income492/3 | - | - | €64 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,902 | €6,199 | €9,146 | €9,714 | €11,810 | ▲ 21.6% |
| + Depreciation and write-downs630 | €15,767 | €15,767 | €15,767 | €15,767 | €13,595 | ▼ 13.8% |
| Operating cash flow (approximation) | €20,669 | €21,966 | €24,913 | €25,481 | €25,405 | ▼ 0.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€2,251 | €6,030 | -€3,300 | -€5,640 | ▼ 70.9% |
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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €11,810 ▲21.6%
Operating result €18,195, net result €11,810, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €533
Net result €533 after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Soumagne · 1 establishment unit since 2015
Ground area
1,169 m²
Building footprint
229 m²
Volume, LiDAR
853 m³
Parcel 62033A0215/00R000, Wallonia · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AGE IMMO
since 20152.241.054.940
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62033A0215/00R000 | Wallonia | 1,169 m² | 1 · 229 m² | 5.8 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BUREAU IMMOBILIER MONTOIS
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Of 9,146 companies in sector 68201 we hold annual accounts for 6,775. 2,215 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
Founded26-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
Contact
E-mail
laurent.boulanger@agecomptafisca.be
Phone
042565019
Fax
042483466
E-invoicing
Reachable via Peppol
Peppol ID
0208:0598970446
Also
9925:BE0598970446
Registered
23-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.