AGENCE 66
ActiveAGENCE 66 has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €216k and a net result of €17k. Equity is growing by ~60.9% per year across the filed fiscal years. Its solvency ranks better than 76% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy▼ -13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-60
Solvency93▲+20
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 1.23 in 2024), and 34.3% 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
65.7%
Return on assets
5.3%
Age of the figures
8 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
25 d late
2023
29 d late
2022
28 d late
2021
24 d late
2020
26 d late
2019
102 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
15-09-2026 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
€17k▼ 68.2%
2024 · €54k
2018: €44k
2019: €-52k
2020: €50k
2021: €29k
2022: €52k
2023: €63k
2024: €54k
2018 → 2025
Working capital
€77k▲ 35.8%
2024 · €57k
2018: €-132k
2019: €-177k
2020: €-123k
2021: €-95k
2022: €-60k
2023: €4k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€81k▲ 73.3%€144k▲ 78.6%€199k▲ 37.7%€216k▲ 8.7%
Operating result€36k-€59k▲ 62.5%€-56k€5k€-39k
Net result€29k-€52k▲ 80.9%€63k▲ 21.8%€54k▼ 14.4%€17k▼ 68.2%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €39k after €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €329k
Fixed assets
€139k▼ 2.1%
Current assets
€190k▼ 36.9%
Equity and liabilities €329k
Equity
€216k▲ 8.7%
Debt
€113k▼ 53.8%
The debt ratio falls from 55.1% to 34.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€-33k▼
2024 · €5k
Cash flow
€23k▼
2024 · €55k
Solvency
65.7%▲
2024 · 44.9%
Current ratio
1.68▲
2024 · 1.23
Quick ratio
1.68▲
2024 · 1.23
Debt / equity
0.52▼
2024 · 1.23
ROE
8.0%▼
2024 · 27.4%
ROA
5.3%▼
2024 · 12.3%
Interest coverage
-615.75▼
2024 · 37.05
Debt
€113k▼
2024 · €244k
Debt ≤ 1 year
€113k▼
2024 · €244k
Income taxes
€6k▼
2024 · €27k
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€443k€329k▼
Fixed assets21/28€142k€139k▼
Tangible fixed assets22/27€142k€139k▼
Land and buildings22€140k€136k▼
Furniture and vehicles24€2k€3k▲
Current assets29/58€301k€190k▼
Amounts receivable within one year40/41€46k€41k▼
Trade receivables40€34k€38k▲
Other amounts receivable41€12k€3k▼
Cash at bank and in hand54/58€254k€149k▼
Deferred charges and accrued income490/1€115-
Equity and liabilities
Total equity and liabilities10/49€443k€329k▼
Equity10/15€199k€216k▲
Contributions10/11€6k€6k=
Reserves13€80k€80k=
Distributable reserves133€80k€80k=
Profit (loss) carried forward14€112k€130k▲
Amounts payable17/49€244k€113k▼
Amounts payable within one year42/48€244k€113k▼
Trade debts44€151k€27k▼
Suppliers440/4€151k€27k▼
Advances received on contracts in progress46€126€907▲
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€11k€8k▼
Other amounts payable47/48€83k€77k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€516€6k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€313€63▼
Gross operating margin9900€7k€-32k▼
Operating profit (loss)9901€5k€-39k▼
Financial income75/76B€77k€62k▼
Recurring financial income75€2k€4k▲
Non-recurring financial income76B€75k€58k▼
Financial charges65/66B€146€54▼
Recurring financial charges65€146€54▼
Profit (loss) for the period before taxes9903€82k€23k▼
Income taxes67/77€27k€6k▼
Profit (loss) for the period9904€54k€17k▼
Profit (loss) for the period to be appropriated9905€54k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€162k€130k▼
Profit (loss) brought forward from the previous period14P€108k€112k▲
Transfer to equity691/2€50k-
To other reserves6921€50k-
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Equity above €200kEq €216k ▲8.7%
6 profitable years in a row build equity to €216k.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Equity above €150kEq €199k ▲37.7%
5 profitable years in a row build equity to €199k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €63k ▲21.8%
Net result €63k, the highest in the series.
31-12
Financial
Equity above €100kEq €144k ▲78.6%
4 profitable years in a row build equity to €144k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
31-12
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 102 days late
2019
31-12
Financial
Weakest financial yearnet €-52k ▼218%
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
20-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 51 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Waterloo · 1 establishment unit since 2011
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.
Chemin des Noces 401410 WaterlooGround area
682 m²
Building footprint
147 m²
Volume, LiDAR
1,012 m³
Parcel 25110B0426/00T002, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chemin des Noces 40, 1410 Waterloo
since 20112.195.461.079
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110B0426/00T002 | Wallonia | 682 m² | 1 · 147 m² | 8.7 m · 2 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.
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TECHPLAN
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Of 9,633 companies in sector 68121 we hold annual accounts for 7,327. 5,268 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-01-2011
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.agence66.be
E-mail:info@agence66.be