AGENCE HET ZOUTE
ActiveAGENCE HET ZOUTE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €131k and a net result of €168k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 4506 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
76
/ 100
Excellent▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency27▼-18
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.02 in 2024), and 86.3% 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
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
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
13.7%
Return on assets
17.5%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
25 d early
2024
45 d early
2023
55 d early
2022
28 d early
2021
110 d early
2020
134 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€168k
2024 · €-49k
2020: €93k
2021: €18k
2022: €-28k
2023: €-132k
2024: €-49k
2020 → 2025
Working capital
€191k▲ 2,000%
2024 · €9k
2020: €39k
2021: €2k
2022: €-44k
2023: €23k
2024: €9k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€173k-€145k▼ 16.4%€13k▼ 91.2%€-37k€131k
Operating result€33k-€-26k€-130k▼ 407%€-50k▲ 61.8%€174k
Net result€18k-€-28k€-132k▼ 366%€-49k▲ 62.7%€168k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €174k after a loss of €50k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €958k
Fixed assets
€140k▼ 9.1%
Current assets
€818k▲ 73.6%
Equity and liabilities €958k
Equity
€131k
Debt
€827k
Debt finances 86.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€219k▲
2024 · €6k
Cash flow
€213k▲
2024 · €7k
Solvency
13.7%▲
2024 · -5.8%
Current ratio
1.30▲
2024 · 1.02
Quick ratio
1.30▲
2024 · 1.02
Debt / equity
6.30▲
2024 · -18.12
ROE
127.8%▼
2024 · 134.6%
ROA
17.5%▲
2024 · -7.9%
Interest coverage
87.52▲
2024 · 12.64
Debt
€827k▲
2024 · €662k
Debt ≤ 1 year
€627k▲
2024 · €462k
Debt > 1 year
€200k=
2024 · €200k
Income taxes
€4k
Staff costs
€419k▼
2024 · €478k
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€625k€958k▲
Fixed assets21/28€154k€140k▼
Intangible fixed assets21€13k€3k▼
Tangible fixed assets22/27€141k€137k▼
Plant, machinery and equipment23€105k€105k▲
Furniture and vehicles24€37k€32k▼
Current assets29/58€471k€818k▲
Amounts receivable within one year40/41€62k€201k▲
Trade receivables40€52k€200k▲
Other amounts receivable41€10k€1k▼
Cash at bank and in hand54/58€403k€605k▲
Deferred charges and accrued income490/1€6k€11k▲
Equity and liabilities
Total equity and liabilities10/49€625k€958k▲
Equity10/15€-37k€131k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€70k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133-€64k
Profit (loss) carried forward14€-104k€0▲
Amounts payable17/49€662k€827k▲
Amounts payable after more than one year17€200k€200k=
Financial debts170/4€200k€200k=
Amounts payable within one year42/48€462k€627k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€302k€330k▲
Suppliers440/4€302k€330k▲
Taxes, remuneration and social security45€40k€66k▲
Taxes450/3-€22k
Remuneration and social security454/9€40k€44k▲
Other amounts payable47/48€120k€231k▲
Income statement
Code20242025
Remuneration, social security and pensions62€478k€419k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€45k▼
Other operating charges640/8€42k€54k▲
Gross operating margin9900€526k€693k▲
Operating profit (loss)9901€-50k€174k▲
Financial income75/76B€1k€0▼
Recurring financial income75€1k€0▼
Financial charges65/66B€486€3k▲
Recurring financial charges65€486€3k▲
Profit (loss) for the period before taxes9903€-49k€171k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€-49k€168k▲
Profit (loss) for the period to be appropriated9905€-49k€168k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-104k€64k▲
Profit (loss) brought forward from the previous period14P€-55k€-104k▼
Transfer from equity791/2€0-
Transfer to equity691/2-€64k
To other reserves6921-€64k
Social balance
Average headcount (FTE)90875.15.0▼
The notes to these accounts (13 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €168k
Net result €168k after 3 loss-making years.
31-12
Financial
Equity above €100kEq €131k
Equity rises from €-37k to €131k.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-132k
Net result drops to €-132k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
12-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
19-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Knokke-Heist · 1 establishment unit since 2019
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.
Kustlaan 1058300 Knokke-HeistGround area
532 m²
Building footprint
511 m²
Volume, LiDAR
6,992 m³
2 parcels, Flanders · tallest building 24.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
AGENCE HET ZOUTE
since 20192.295.182.920
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31334B0632/00A000 | Flanders | 331 m² | 1 · 342 m² | 24.1 m · 6 fl. |
| 31332E0015/00B000 | Flanders | 201 m² | 1 · 169 m² | 23.3 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 404 EUR awarded · 404 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 59 EUR | 59 EUR |
| 2024 | 1 | 345 EUR | 345 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,708 companies in sector 68310 we hold annual accounts for 6,875. 5,225 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-10-2019
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.