AGESIM & CO
ActiveAGESIM & CO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €208k and a net result of €141k. Equity is growing by ~69.5% per year across the filed fiscal years. Its solvency ranks better than 23% of 2410 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 2410 sector peers (2025).
NBB · sector comparisonPosition among 2410 sector peers
Solvency
better than 23%
← weakest
strongest →
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 20-05-2026, 72 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
72 d early
2024
36 d early
2023
20 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€208k▲ 77.6%
2024 · €117k
2023: €45k
2024: €117k
2023 → 2025
Net result
€141k▲ 53.3%
2024 · €92k
2023: €55k
2024: €92k
2023 → 2025
Total assets
€1.24M▼ 0.8%
2024 · €1.25M
2023: €1.27M
2024: €1.25M
2023 → 2025
Solvency
16.8%▲ 7.4pp
2024 · 9.4%
2023: 3.6%
2024: 9.4%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€45k-€117k▲ 159%€208k▲ 77.6%
Operating result€109k-€174k▲ 60.1%€228k▲ 31.1%
Net result€55k-€92k▲ 66.6%€141k▲ 53.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 31% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.24M
Fixed assets
€895k▼ 11.9%
Current assets
€344k▲ 47.5%
Equity and liabilities €1.24M
Equity
€208k▲ 77.6%
Debt
€1.03M▼ 8.9%
The debt ratio falls from 90.6% to 83.2%: equity grows while debt is paid down.
Key figures and ratios
Solvency
16.8%▲
2024 · 9.4%
ROE
67.7%▼
2024 · 78.5%
ROA
11.4%▲
2024 · 7.4%
Debt
€1.03M▼
2024 · €1.13M
Debt ≤ 1 year
€224k▲
2024 · €176k
Debt > 1 year
€806k▼
2024 · €955k
Income taxes
€45k▲
2024 · €26k
Staff costs
€80k▲
2024 · €57k
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€1.25M€1.24M▼
Fixed assets21/28€1.02M€895k▼
Intangible fixed assets21€1.00M€877k▼
Tangible fixed assets22/27€15k€18k▲
Furniture and vehicles24€15k€14k▼
Other tangible fixed assets26€273€4k▲
Current assets29/58€233k€344k▲
Amounts receivable within one year40/41€71k€85k▲
Trade receivables40€71k€85k▲
Other amounts receivable41-€499
Cash at bank and in hand54/58€162k€259k▲
Deferred charges and accrued income490/1€780-
Equity and liabilities
Total equity and liabilities10/49€1.25M€1.24M▼
Equity10/15€117k€208k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€107k€198k▲
Amounts payable17/49€1.13M€1.03M▼
Amounts payable after more than one year17€955k€806k▼
Financial debts170/4€955k€806k▼
Amounts payable within one year42/48€176k€224k▲
Current portion of amounts payable after more than one year42€111k€111k=
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€45k€68k▲
Taxes450/3€36k€58k▲
Remuneration and social security454/9€8k€10k▲
Other amounts payable47/48€15k€40k▲
Income statement
Code20242025
Remuneration, social security and pensions62€57k€80k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€124k€128k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€357k€438k▲
Operating profit (loss)9901€174k€228k▲
Financial income75/76B€43€320▲
Recurring financial income75€43€320▲
Financial charges65/66B€56k€43k▼
Recurring financial charges65€56k€43k▼
Profit (loss) for the period before taxes9903€118k€186k▲
Income taxes67/77€26k€45k▲
Profit (loss) for the period9904€92k€141k▲
Profit (loss) for the period to be appropriated9905€92k€141k▲
Appropriation of the result
Profit (loss) to be appropriated9906€127k€248k▲
Profit (loss) brought forward from the previous period14P€35k€107k▲
Profit to be distributed694/7€20k€50k▲
Return on contributions (dividend)694€20k€50k▲
The notes to these accounts (9 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
20-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €141k ▲53.3%
Operating result €228k, net result €141k, both a record.
31-12
Financial
Equity above €200kEq €208k ▲77.6%
3 profitable years in a row build equity to €208k.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €117k ▲159%
2 profitable years in a row build equity to €117k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sambreville · 2 establishment units since 2023
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.
Rue d'Hamion(FAL) 475060 SambrevilleGround area
3,242 m²
Building footprint
1,027 m²
Volume, LiDAR
14,443 m³
2 parcels, Brussels, Wallonia · tallest building 23.2 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
Agesim & CO SRL
since 20232.342.237.422
Agesim&Co SRL
since 20252.367.417.038
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21672C0268/00G002 | Brussels | 2,013 m² | 1 · 766 m² | 23.2 m · 7 fl. |
| 92041A0243/00A005 | Wallonia | 1,228 m² | 1 · 260 m² | - |
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.
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Of 4,668 companies in sector 66220 we hold annual accounts for 3,216. 2,803 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2023
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.