Result
-€88,589 -€88,589
From profit to loss in 2025, after a profit of €5,584 in 2024.
AGENCE MULTI PRODUITS
Lifetime
20 annual accounts with figures on one time axis, 36 filings since 1990peak €1.2m (2021)
€20,595▼ 68.4%
lowest -€125,514 (2018)
-€88,589▼ €94,173
peak €2.1m (2024)
€2.0m▼ 4.2%
€282,234▼ 3.1%
Board2 names since 2013
2 directorsGélinet Patricia and 1 other
Documentsfilings and deeds
27-08-202627 days late
2025financial year
Gross margin from €65,274 to €20,595Loss of €88,589Investments €678,038Cash from €639,723 to €21,620
Key points
from the 2025 annual accountsTurnover
≈ €55,000 estimated
The accounts state no turnover.
Investments
€678,038 6.3 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 42.3% higher than in 2024.
Liquidity
3.70 was 23.81 in 2024
Short-term debts rose from €38,728 to €65,733.
Filings
36 annual accounts since 1990
Ten of the last ten came late. The 2018 accounts came latest: 300 days after the end of the period.
Position in the sector
-€88,589
Lower net result than 82% of companies in real estate. Sector median €20,526 · 5,817 companies.
Checked score
90
Excellent
Financially stronger than 51% of small companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 6,997 companies (NACE 68, small).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.2%▲ +0.1 percentage points vs 08-2025
10-2025: < 0.1%▼ -0.2 percentage points vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026
09-2026: 0.2%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.2%● unchanged vs 09-2026highest value
11-2026: 0.2%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 27 days late; 2 of the last 3 accounts late
Liquidity: current ratio 3.70, cash €21,620, halved
lowers risk
Size: total assets €2.6m
Founded in 1989
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small). It does better than 92% of them on solvency, 65% on liquidity, 17% on profitability and 29% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 8,617 companies had the same profile as AGENCE MULTI PRODUITS has now. Each dot stands for 22 companies, two years later.
94.2%
were still trading
5.2%
stopped another way
0.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of AGENCE MULTI PRODUITS itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 8,617 companies, not a prediction for AGENCE MULTI PRODUITS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €180,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.7 (23.81 in 2024), above the usual 1.5. Short-term debt is 2.6% and cash 0.8% of total assets. 21.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
27 days late
2024
61 days late
2023
55 days late
2022
61 days late
2021
90 days late
2020
91 days late
2019
126 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 73 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 September (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
GP
Gélinet Patricia
Director, since 07-05-2025
HJ
Huet Jean-Pierre
Director, since 07-05-2025
Shares in 1 company, JOHN THE AWE'S DAUGHTER
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0438722387
New establishment in Courcelles
Rue de Trazegnies 126
First establishment
AMUPRO, Rue de Trazegnies 124, Courcelles
Incorporation
published on 24-11-1989 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AGENCE MULTI PRODUITS Courcelles | €2.6m | €20,595 | 78.4% | - |
| DEMAC Asse | €2.5m | €23,495 | -5.7% | - |
| PARKING AND BUILDING INVESTMENTS Charleroi | €2.6m | €25,859 | 92.0% | - |
| New - Port Investment Company Koksijde | €3.2m | €22,537 | 97.2% | - |
| TUINPLANNING Pelt | €3.1m | €25,902 | 52.3% | - |
| ORK Koekelberg | €3.4m | €21,619 | 5.9% | - |
| IBERTRADE Antwerp | €1.9m | €21,270 | 87.5% | 0 |
These companies have the same main activity as AGENCE MULTI PRODUITS: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €1.9m and €3.4m, founded between 1989 and 1994.
Official details
Source: KBO- Status
- Active since 06-11-1989Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201
- Establishment units
- 2.045.511.3536180 Courcelles, since 09-11-1989
- 2.280.617.6766180 Courcelles, since 01-03-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 21-01-2026
Insights on AGENCE MULTI PRODUITS
AGENCE MULTI PRODUITS has existed since 1989. In 2021 the gross margin rose from €42,537 to €1.2m.
The gross margin has fallen every year since 2021.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about AGENCE MULTI PRODUITS
- What is the company number of AGENCE MULTI PRODUITS?
- The company number of AGENCE MULTI PRODUITS is 0438.722.387. The VAT number is the same number with BE in front: BE 0438.722.387.
- Where is AGENCE MULTI PRODUITS based?
- The registered office is at Rue de Trazegnies 124, 6180 Courcelles.Company details
- What does AGENCE MULTI PRODUITS do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of AGENCE MULTI PRODUITS?
- AGENCE MULTI PRODUITS is a public limited company (NV).
- When was AGENCE MULTI PRODUITS founded?
- AGENCE MULTI PRODUITS was founded on 06-11-1989.
- Is AGENCE MULTI PRODUITS still active?
- Yes, AGENCE MULTI PRODUITS is an active enterprise in the KBO register.
- What is the turnover of AGENCE MULTI PRODUITS?
- The turnover in financial year 2025 is ≈ €55,000. This figure is estimated from the gross margin of €20,595 and 34 comparable companies (NACE 68201). It probably lies between €37,000 and €88,000. It is a rough estimate.Financials
- Is AGENCE MULTI PRODUITS profitable?
- In financial year 2025, AGENCE MULTI PRODUITS made a loss of €88,589.
- Where can I find the annual accounts of AGENCE MULTI PRODUITS?
- AGENCE MULTI PRODUITS filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of AGENCE MULTI PRODUITS due?
- AGENCE MULTI PRODUITS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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