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AGEFI Immo

Active
Private limited companyfounded 20197 yrs activeRue de la Paix 3B, 7030 Mons, BelgiumKBO/BCE: BE 0723.858.342
Summary

AGEFI Immo has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63,341 and a net result of €76,171. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 26% of 4613 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability87▲+41
Solvency37▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity tight (current ratio 1.33 against 0.33 in 2024; short-term debt: 28.2% and cash: 6.3% of total assets), and 87.7% 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 7 years 0 10 y
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 →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
12.3%
Return on assets
14.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
2 d early
2024
4 d early
2023
6 d early
2022
51 d early
2021
53 d early
2020
20 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 23 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 1 April 2019, AGEFI Immo was incorporated.1 Total assets went from EUR 492,406 in 2020 to EUR 516,901 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2020 and 2025

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Financials · fiscal year 2025, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€76,171▲ 350%
2024 · €16,932
Working capital
€47,418
2024 · -€46,830
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-€476▲ 75.2%-€421▲ 11.7%-€423▼ 0.7%€24,986€101,377▲ 306%
Net result€32,629within the sector's middle half€42,389within the sector's middle half▲ 29.9%-€6,686within the sector's middle half€16,932within the sector's middle half€76,171within the sector's middle half▲ 350%
Equity€49,536below the sector's middle half€91,924within the sector's middle half▲ 85.6%€85,238within the sector's middle half▼ 7.3%€102,170within the sector's middle half▲ 19.9%€63,341below the sector's middle half▼ 38.0%
Total assets€516,536below the sector's middle half▲ 4.9%€534,924below the sector's middle half▲ 3.6%€504,238below the sector's middle half▼ 5.7%€508,115below the sector's middle half▲ 0.8%€516,901below the sector's middle half▲ 1.7%
Debt€467,000▼ 1.8%€443,000▼ 5.1%€419,000▼ 5.4%€405,945▼ 3.1%€453,560▲ 11.7%
Working capital-€17,464within the sector's middle half▲ 58.5%€924within the sector's middle half-€29,762within the sector's middle half-€46,830within the sector's middle half▼ 57.4%€47,418within the sector's middle half
Solvency9.6%within the sector's middle half17.2%within the sector's middle half▲ 7.6pp16.9%within the sector's middle half▼ 0.3pp20.1%within the sector's middle half▲ 3.2pp12.3%within the sector's middle half▼ 7.9pp
Current ratio0.64within the sector's middle half▲ 0.491.02within the sector's middle half▲ 0.380.39below the sector's middle half▼ 0.630.33below the sector's middle half▼ 0.061.33within the sector's middle half▲ 1.00
Return on assets (ROA)6.3%above the sector's middle half▲ 8.0pp7.9%above the sector's middle half▲ 1.6pp-1.3%within the sector's middle half▼ 9.3pp3.3%within the sector's middle half▲ 4.7pp14.7%above the sector's middle half▲ 11.4pp
Staff (FTE)0within the sector's middle half
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.
Result per fiscal year
Operating resultNet result
-€50,000€0€50,000€100,000Operating result 2021: -€476-€476Net result 2021: €32,629€32,629Operating result 2022: -€421-€421Net result 2022: €42,389€42,389Operating result 2023: -€423-€423Net result 2023: -€6,686-€6,686Operating result 2024: €24,986€24,986Net result 2024: €16,932€16,932Operating result 2025: €101,377€101,377Net result 2025: €76,171€76,17120212022202320242025-€50,000€0€50,000€100,000Operating result 2023: -€423-€423Net result 2023: -€6,686-€6,690Operating result 2024: €24,986€25,000Net result 2024: €16,932€16,900Operating result 2025: €101,377€101,000Net result 2025: €76,171€76,200202320242025
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 306% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €516,901
Fixed assets €323,851 ▼ 33.2%
Current assets €193,050 ▲ 735%
Equity and liabilities €516,901
Equity €63,341 ▼ 38.0%
Debt €453,560 ▲ 11.7%
Debt's share of the balance-sheet total rises from 79.9% to 87.7%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€108,869
Cash flow
€83,664
Debt to equity
7.16▲
2024 · 3.97
ROE
120.3%▲
2024 · 16.6%
Interest coverage
14.61
Debt ≤ 1 year
€145,632▲
2024 · €69,945
Debt > 1 year
€307,500▼
2024 · €336,000
Income taxes
€21,515
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,679 companies that looked in July 2024 the way this one looks now, 1.3% went bankrupt within 24 months and 97% are still going.

  • Small
  • 5 to 10 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
1.3% went bankrupt
1.2% stopped otherwise
97% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.7% 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%.

The companies in ten equal groups, from lowest to highest expected share.
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 2,679 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet Code20242025
Assets
Total assets20/58€508,115€516,901▲
Fixed assets21/28€485,000€323,851▼
Tangible fixed assets22/27-€323,851
Land and buildings22-€323,851
Financial fixed assets28€485,000€0▼
Current assets29/58€23,115€193,050▲
Amounts receivable within one year40/41€1,815€9,639▲
Trade receivables40€1,815€0▼
Other amounts receivable41-€9,639
Current investments50/53-€150,000
Cash at bank and in hand54/58€21,300€32,585▲
Deferred charges and accrued income490/1-€825
Equity and liabilities
Total equity and liabilities10/49€508,115€516,901▲
Equity10/15€102,170€63,341▼
Contributions10/11€25,000€25,000=
Profit (loss) carried forward14€77,170€38,341▼
Amounts payable17/49€405,945€453,560▲
Amounts payable after more than one year17€336,000€307,500▼
Financial debts170/4€336,000€307,500▼
Amounts payable within one year42/48€69,945€145,632▲
Current portion of amounts payable after more than one year42€24,000€28,500▲
Financial debts43-€2,000
Credit institutions430/8-€2,000
Trade debts44-€132
Suppliers440/4-€132
Taxes, remuneration and social security45€945€31,050▲
Taxes450/3€945€31,050▲
Other amounts payable47/48€45,000€83,950▲
Accrued charges and deferred income492/3-€428
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€7,493
Other operating charges640/8€434€3,317▲
Gross operating margin9900€25,420€112,186▲
Operating profit (loss)9901€24,986€101,377▲
Financial income75/76B€197€3,763▲
Recurring financial income75€197€1,234▲
Non-recurring financial income76B-€2,529
Financial charges65/66B€8,251€7,453▼
Recurring financial charges65€8,251€7,453▼
Profit (loss) for the period before taxes9903€16,932€97,686▲
Income taxes67/77-€21,515
Profit (loss) for the period9904€16,932€76,171▲
Profit (loss) for the period to be appropriated9905€16,932€76,171▲
Appropriation of the result
Profit (loss) to be appropriated9906€77,170€153,341▲
Profit (loss) brought forward from the previous period14P€60,238€77,170▲
Profit to be distributed694/7-€115,000
Return on contributions (dividend)694-€115,000
Social balance
Average headcount (FTE)9087-0.0

The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630----€7,493-
Other operating charges640/8-€348€348€434€3,317▲ 663%
Gross operating margin9900-€129-€73-€76€25,420€112,186▲ 341%
Operating profit (loss)9901-€476-€421-€423€24,986€101,377▲ 306%
Financial income75/76B-€49,430€0€197€3,763▲ 1,812%
Recurring financial income75€40,000€49,430€0€197€1,234▲ 527%
Non-recurring financial income76B----€2,529-
Financial charges65/66B-€6,621€6,263€8,251€7,453▼ 9.7%
Recurring financial charges65€6,894€6,621€6,263€8,251€7,453▼ 9.7%
Profit (loss) for the period before taxes9903€32,629€42,389-€6,686€16,932€97,686▲ 477%
Income taxes67/77----€21,515-
Profit (loss) for the period9904€32,629€42,389-€6,686€16,932€76,171▲ 350%
Profit (loss) for the period to be appropriated9905€32,629€42,389-€6,686€16,932€76,171▲ 350%
Line20212022202320242025Change
Assets
Total assets20/58€516,536€534,924€504,238€508,115€516,901▲ 1.7%
Fixed assets21/28€485,000€485,000€485,000€485,000€323,851▼ 33.2%
Tangible fixed assets22/27----€323,851-
Land and buildings22----€323,851-
Financial fixed assets28€485,000€485,000€485,000€485,000€0▼ 100%
Current assets29/58€31,536€49,924€19,238€23,115€193,050▲ 735%
Amounts receivable within one year40/41-€35,000€0€1,815€9,639▲ 431%
Trade receivables40---€1,815€0▼ 100%
Other amounts receivable41-€35,000€0-€9,639-
Current investments50/53----€150,000-
Cash at bank and in hand54/58€31,536€14,924€19,238€21,300€32,585▲ 53.0%
Deferred charges and accrued income490/1----€825-
Equity and liabilities
Total equity and liabilities10/49€516,536€534,924€504,238€508,115€516,901▲ 1.7%
Equity10/15€49,536€91,924€85,238€102,170€63,341▼ 38.0%
Contributions10/11-€25,000€25,000€25,000€25,000=
Profit (loss) carried forward14€24,536€66,924€60,238€77,170€38,341▼ 50.3%
Amounts payable17/49€467,000€443,000€419,000€405,945€453,560▲ 11.7%
Amounts payable after more than one year17€418,000€394,000€370,000€336,000€307,500▼ 8.5%
Financial debts170/4-€394,000€370,000€336,000€307,500▼ 8.5%
Amounts payable within one year42/48€49,000€49,000€49,000€69,945€145,632▲ 108%
Current portion of amounts payable after more than one year42-€24,000€24,000€24,000€28,500▲ 18.8%
Financial debts43----€2,000-
Credit institutions430/8----€2,000-
Trade debts44----€132-
Suppliers440/4----€132-
Taxes, remuneration and social security45---€945€31,050▲ 3,186%
Taxes450/3---€945€31,050▲ 3,186%
Other amounts payable47/48-€25,000€25,000€45,000€83,950▲ 86.6%
Accrued charges and deferred income492/3----€428-
Line20212022202320242025Change
Profit (loss) for the period9904€32,629€42,389-€6,686€16,932€76,171▲ 350%
+ Depreciation and write-downs630----€7,493-
Operating cash flow (approximation)€32,629€42,389-€6,686€16,932€83,664▲ 394%
Investment in fixed assets (approximation)-€0€0€0€153,656-
Change in cash--€16,611€4,314€2,062€11,285▲ 447%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2026
29-01
NBB filing Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial Highest result since 2020net €76,171 ▲350%
Operating result €101,377, net result €76,171, both a record.
30-06
Financial Liquidity quadruplescurrent ratio 1.33
Current ratio from 0.33 to 1.33.
27-01
NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial Back to profitnet €16,932
Net result €16,932 after one loss-making year.
30-06
Financial Equity above €100,000Eq €102,170 ▲19.9%
Equity rises from €85,238 to €102,170.
2023
25-08
NBB filing Annual accounts filed
fiscal year 2023 · full schema
2022
11-07
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2021
09-07
NBB filing Annual accounts filed
fiscal year 2021 · full schema
31-01
Financial Back to profitnet €32,629
Net result €32,629 after one loss-making year.
2020
11-08
NBB filing Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Mons · 1 establishment unit since 2019
seat establishment The establishment unit on the map
Ground area
2,598 m²
Building footprint
328 m²
Volume, LiDAR
2,719 m³
2 parcels, Wallonia · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Agefi Immo
Rempart du Vieux Cimetière 5, 7060 SoigniesReal estate activities
since 20192.290.195.140
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53071B0016/00L000 Wallonia 2,314 m² 1 · 91 m² 8.1 m · 2 fl.
55040A0477/00T000 Wallonia 283 m² 1 · 238 m² 12.3 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.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 30-06-2024 list no shareholders, and no other source names one.

Holdings 1

According to the annual accounts to 30-06-2024 of AGEFI Immo and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 7,326 companies in sector 68110 we hold annual accounts for 5,390. 3,453 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
Founded01-04-2019
Fiscal year end30-06
Activities, NACEBEL 2025
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
E-invoicing
Reachable via Peppol
Peppol ID 0208:0723858342
Also 9925:BE0723858342
Registered 17-10-2025

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.