AGEBA
ActiveAGEBA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €-7k. Equity is shrinking by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 62% of 13240 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-83
Solvency70▼-15
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.41 against 2.05 in 2024; short-term debt: 55.2% and cash: 17.8% of total assets), and 55.2% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
44.8%
Return on assets
-11.9%
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 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
on the day
2022
122 d late
2021
23 d late
2020
31 d late
2019
31 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2024 · €0
2018: €0
2022: €202k
2024: €0
2018 → 2025
EBIT margin
-1.1%
Net result
€-7k
2024 · €10k
2018: €1k
2019: €8k
2020: €-22k
2021: €12k
2022: €-4k
2023: €11k
2024: €10k
2018 → 2025
Working capital
€13k▼ 55.4%
2024 · €29k
2018: €47k
2019: €38k
2020: €11k
2021: €24k
2022: €28k
2023: €41k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€202k€0€0
Equity€49k-€45k▼ 7.4%€56k▲ 23.6%€41k▼ 27.1%€25k▼ 37.3%
Operating result€13k-€-2k€12k€9k▼ 27.6%€-11k
Net result€12k-€-4k€11k€10k▼ 7.3%€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €9k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€13k▲ 5.5%
Current assets
€44k▼ 20.7%
Equity and liabilities €57k
Equity
€25k▼ 37.3%
Debt
€31k▲ 15.9%
The debt ratio rises from 40.0% to 55.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-8k▼
2024 · €12k
Cash flow
€-4k▼
2024 · €13k
Solvency
44.8%▼
2024 · 60.0%
Current ratio
1.41▼
2024 · 2.05
Quick ratio
0.90▼
2024 · 1.61
Debt / equity
1.23▲
2024 · 0.67
ROE
-26.5%▼
2024 · 24.3%
ROA
-11.9%▼
2024 · 14.6%
Interest coverage
-5.95▼
2024 · 12.26
Debt
€31k▲
2024 · €27k
Debt ≤ 1 year
€31k▲
2024 · €27k
Income taxes
€0▼
2024 · €986
Staff costs
€60k▲
2024 · €53k
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€68k€57k▼
Fixed assets21/28€12k€13k▲
Tangible fixed assets22/27€12k€12k▲
Plant, machinery and equipment23€12k€12k▲
Financial fixed assets28€305€305=
Current assets29/58€56k€44k▼
Stocks and contracts in progress3€12k€16k▲
Stocks30/36€12k€16k▲
Amounts receivable within one year40/41€22k€13k▼
Trade receivables40€10k€3k▼
Other amounts receivable41€11k€9k▼
Cash at bank and in hand54/58€22k€10k▼
Deferred charges and accrued income490/1-€6k
Equity and liabilities
Total equity and liabilities10/49€68k€57k▼
Equity10/15€41k€25k▼
Contributions10/11€6k€6k=
Reserves13€35k€26k▼
Distributable reserves133€35k€26k▼
Profit (loss) carried forward14-€-7k
Amounts payable17/49€27k€31k▲
Amounts payable within one year42/48€27k€31k▲
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€23k€26k▲
Taxes450/3€16k€16k▼
Remuneration and social security454/9€6k€10k▲
Other amounts payable47/48€0€0=
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Turnover70€0€0=
Goods, raw materials, services and sundry goods60/61€0€0=
Remuneration, social security and pensions62€53k€60k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€67k€54k▼
Operating profit (loss)9901€9k€-11k▼
Financial income75/76B€3k€5k▲
Recurring financial income75€2k€5k▲
Non-recurring financial income76B€684€248▼
Financial charges65/66B€996€1k▲
Recurring financial charges65€996€1k▲
Profit (loss) for the period before taxes9903€11k€-7k▼
Income taxes67/77€986€0▼
Profit (loss) for the period9904€10k€-7k▼
Profit (loss) for the period to be appropriated9905€10k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€-7k▼
Transfer from equity791/2-€8k
Transfer to equity691/2€10k-
To other reserves6921€10k-
Profit to be distributed694/7-€8k
Return on contributions (dividend)694-€8k
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 122 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 5.49
Current ratio from 2.60 to 5.49; short-term debt falls from €7k to €5k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-22k ▼359%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
26-07
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.
Directors · office · real estate
Directors
1 act for this company is 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, Verviers · 1 establishment unit since 1995
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.
Place du Martyr 164800 VerviersGround area
268 m²
Building footprint
87 m²
Volume, LiDAR
1,236 m³
Parcel 63079A0221/00K000, Wallonia · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
SPIRIT OF 66
since 19952.071.942.269
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079A0221/00K000 | Wallonia | 268 m² | 1 · 87 m² | 17.8 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVerviers2.071.942.269
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BARBOESJ
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CAFE BAIRRADA
BE 0821.486.466
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NARUDAL
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Frasnes-lez-Anvaing · Eq €25k
Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,054 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-1995
Fiscal year end31-12
Activities, NACEBEL
55401
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.