AGENTUUR IMARCO
ActiveAGENTUUR IMARCO has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €620k and a net result of €-19k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 71% of 7955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-9
Solvency90▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 3.12 against 2.8 in 2024; short-term debt: 28.7% and cash: 35.4% of total assets), and 34.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 22-01-2026, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
37 d early
2024
11 d early
2023
70 d early
2022
54 d early
2021
53 d early
2020
2 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close19-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€620k▼ 4.4%
2024 · €649k
2019: €472k
2020: €524k
2021: €601k
2022: €634k
2023: €709k
2024: €649k
2019 → 2025
Total assets
€951k▼ 11.6%
2024 · €1.08M
2019: €743k
2020: €849k
2021: €857k
2022: €1.00M
2023: €1.03M
2024: €1.08M
2019 → 2025
Net result
€-19k
2024 · €3k
2019: €9k
2020: €53k
2021: €76k
2022: €33k
2023: €75k
2024: €3k
2019 → 2025
Working capital
€579k▼ 3.9%
2024 · €602k
2019: €427k
2020: €512k
2021: €585k
2022: €599k
2023: €668k
2024: €602k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€601k-€634k▲ 5.5%€709k▲ 11.9%€649k▼ 8.6%€620k▼ 4.4%
Operating result€129k-€71k▼ 44.7%€130k▲ 81.3%€25k▼ 80.7%€7k▼ 73.1%
Net result€76k-€33k▼ 56.6%€75k▲ 128%€3k▼ 96.6%€-19k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 73% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €951k
Fixed assets
€99k▼ 28.4%
Current assets
€852k▼ 9.1%
Equity and liabilities €951k
Equity
€620k▼ 4.4%
Debt
€330k▼ 22.5%
The debt ratio falls from 39.7% to 34.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€46k▼
2024 · €57k
Cash flow
€20k▼
2024 · €35k
Solvency
65.2%▲
2024 · 60.3%
Current ratio
3.12▲
2024 · 2.80
Quick ratio
1.65▲
2024 · 1.63
Debt / equity
0.53▼
2024 · 0.66
ROE
-3.1%▼
2024 · 0.4%
ROA
-2.0%▼
2024 · 0.2%
Interest coverage
1.65▼
2024 · 2.45
Debt
€330k▼
2024 · €426k
Debt ≤ 1 year
€273k▼
2024 · €335k
Debt > 1 year
€56k▼
2024 · €89k
Income taxes
€512▼
2024 · €4k
Staff costs
€206k▲
2024 · €158k
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€1.08M€951k▼
Fixed assets21/28€138k€99k▼
Tangible fixed assets22/27€135k€96k▼
Plant, machinery and equipment23€1k€591▼
Furniture and vehicles24€133k€95k▼
Financial fixed assets28€3k€3k=
Current assets29/58€937k€852k▼
Stocks and contracts in progress3€392k€401k▲
Stocks30/36€392k€401k▲
Amounts receivable within one year40/41€80k€109k▲
Trade receivables40€64k€94k▲
Other amounts receivable41€16k€14k▼
Cash at bank and in hand54/58€450k€337k▼
Deferred charges and accrued income490/1€16k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.08M€951k▼
Equity10/15€649k€620k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€587k€558k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€581k€552k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€426k€330k▼
Amounts payable after more than one year17€89k€56k▼
Financial debts170/4€89k€56k▼
Amounts payable within one year42/48€335k€273k▼
Current portion of amounts payable after more than one year42€33k€34k▲
Trade debts44€166k€100k▼
Suppliers440/4€166k€100k▼
Taxes, remuneration and social security45€35k€44k▲
Taxes450/3€16k€14k▼
Remuneration and social security454/9€19k€30k▲
Other amounts payable47/48€101k€95k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Remuneration, social security and pensions62€158k€206k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€39k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€218k€253k▲
Operating profit (loss)9901€25k€7k▼
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€23k€28k▲
Recurring financial charges65€23k€28k▲
Profit (loss) for the period before taxes9903€6k€-19k▼
Income taxes67/77€4k€512▼
Profit (loss) for the period9904€3k€-19k▼
Profit (loss) for the period to be appropriated9905€3k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-19k▼
Transfer from equity791/2€63k€29k▼
Transfer to equity691/2€3k€0▼
To other reserves6921€3k€0▼
Profit to be distributed694/7€63k€9k▼
Return on contributions (dividend)694€63k€9k▼
Social balance
Average headcount (FTE)90872.32.8▲
The notes to these accounts (19 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
22-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
Financial
Weakest financial yearnet €-19k ▼855%
Net result drops to €-19k, the lowest in the series.
17-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
06-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-07
Financial
Highest result since 2019net €76k ▲45%
Net result €76k, the highest in the series.
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-07
Financial
Equity above €500kEq €524k ▲11.2%
2 profitable years in a row build equity to €524k.
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
11-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
08-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
17-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2020
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
20-01-2020
Martine Vancanneyt: Resigned as Managing director
30-06-2016
Kristien Vancanneyt: Resigned as Director
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 1998
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.
Baliestraat(Mar) 38510 KortrijkGround area
317 m²
Building footprint
3,343 m²
Parcel 34026A0737/00G008, Flanders. Linked by address, not a title deed.
1 establishment unit
Baliestraat(Mar) 3, 8510 Kortrijk
since 19982.087.454.648
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026A0737/00G008 | Flanders | 317 m² | 1 · 3,343 m² | - |
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.
Similar companies · same sector, comparable size
Minebea Intec Belgium
BE 0543.817.632
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GRANDSLAM DARTS & SPORTS
BE 0739.845.526
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ALCOR SECURITIES
BE 0463.398.197
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Datacolor België
BE 0840.531.526
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MICROMERITICS
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Of 190 companies in sector 46646 we hold annual accounts for 119. 93 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-07-1997
Fiscal year end31-07
Activities, NACEBEL
46646Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.