Summary
AGIFIN 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 €140k and a net result of €48k. Equity is growing by ~78.7% per year across the filed fiscal years. Its solvency ranks better than 24% of 8048 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two 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 24% of 8048 sector peers (2025).
NBB · sector comparisonPosition among 8048 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 · 5 filingsDeviation from the deadline
2025
18 d late
2024
20 d early
2023
5 d late
2022
32 d early
2021
27 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€140k▲ 52.0%
2024 · €92k
2021: €14klowest in 5 years
2022: €24k▲ +73.6% vs 2021
2023: €89k▲ +270% vs 2022
2024: €92k▲ +2.8% vs 2023
2025: €140k▲ +52.0% vs 2024highest in 5 years
2021 → 2025
Net result
€48k▲ 1,823%
2024 · €2k
2021: €4k
2022: €10k▲ +161% vs 2021
2023: €65k▲ +536% vs 2022highest in 5 years
2024: €2k▼ -96.2% vs 2023lowest in 5 years
2025: €48k▲ +1823% vs 2024
2021 → 2025
Total assets
€709k▲ 7.3%
2024 · €661k
2021: €429k
2022: €396k▼ -7.6% vs 2021lowest in 5 years
2023: €501k▲ +26.5% vs 2022
2024: €661k▲ +31.9% vs 2023
2025: €709k▲ +7.3% vs 2024highest in 5 years
2021 → 2025
Solvency
19.7%▲ 5.8pp
2024 · 13.9%
2021: 3.2%lowest in 5 years
2022: 6.1%▲ +88.0% vs 2021
2023: 17.9%▲ +192% vs 2022
2024: 13.9%▼ -22.1% vs 2023
2025: 19.7%▲ +41.6% vs 2024highest in 5 years
2021 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€24k▲ 73.6%€89k▲ 270%€92k▲ 2.8%€140k▲ 52.0%
2021: €14klowest in 5 years
2022: €24k▲ +73.6% vs 2021
2023: €89k▲ +270% vs 2022
2024: €92k▲ +2.8% vs 2023
2025: €140k▲ +52.0% vs 2024highest in 5 years
Operating result€6k-€17k▲ 193%€92k▲ 435%€15k▼ 83.7%€81k▲ 438%
2021: €6klowest in 5 years
2022: €17k▲ +193% vs 2021
2023: €92k▲ +435% vs 2022highest in 5 years
2024: €15k▼ -83.7% vs 2023
2025: €81k▲ +438% vs 2024
Net result€4k-€10k▲ 161%€65k▲ 536%€2k▼ 96.2%€48k▲ 1,823%
2021: €4k
2022: €10k▲ +161% vs 2021
2023: €65k▲ +536% vs 2022highest in 5 years
2024: €2k▼ -96.2% vs 2023lowest in 5 years
2025: €48k▲ +1823% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 438% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €709k
Fixed assets
€328k ▼ 10.2%
Current assets
€382k ▲ 28.8%
Equity and liabilities €709k
Equity
€140k ▲ 52.0%
Debt
€570k ▲ 0.1%
Debt's share of the balance-sheet total falls from 86.1% to 80.3%. Equity and debt are higher.
Key figures and ratios
ROE
34.2%▲
2024 · 2.7%
ROA
6.7%▲
2024 · 0.4%
Debt ≤ 1 year
€301k▲
2024 · €273k
Debt > 1 year
€265k▼
2024 · €296k
Income taxes
€20k▲
2024 · €7k
Staff costs
€103k▼
2024 · €116k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€661k€709k▲
Fixed assets21/28€365k€328k▼
Intangible fixed assets21€355k€312k▼
Tangible fixed assets22/27€9k€15k▲
Furniture and vehicles24€9k€15k▲
Financial fixed assets28€500€500=
Current assets29/58€296k€382k▲
Amounts receivable within one year40/41€51k€81k▲
Trade receivables40€50k€80k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€41k€107k▲
Deferred charges and accrued income490/1€204k€194k▼
Equity and liabilities
Total equity and liabilities10/49€661k€709k▲
Equity10/15€92k€140k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€82k€130k▲
Amounts payable17/49€569k€570k▲
Amounts payable after more than one year17€296k€265k▼
Financial debts170/4€156k€145k▼
Other amounts payable178/9€140k€120k▼
Amounts payable within one year42/48€273k€301k▲
Current portion of amounts payable after more than one year42€24k€31k▲
Financial debts43-€304
Credit institutions430/8-€304
Trade debts44€9k€34k▲
Suppliers440/4€9k€34k▲
Taxes, remuneration and social security45€27k€42k▲
Taxes450/3€7k€28k▲
Remuneration and social security454/9€20k€14k▼
Other amounts payable47/48€213k€194k▼
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Remuneration, social security and pensions62€116k€103k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€50k▲
Other operating charges640/8€516€610▲
Gross operating margin9900€161k€234k▲
Operating profit (loss)9901€15k€81k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€5k€13k▲
Recurring financial charges65€5k€13k▲
Profit (loss) for the period before taxes9903€10k€68k▲
Income taxes67/77€7k€20k▲
Profit (loss) for the period9904€2k€48k▲
Profit (loss) for the period to be appropriated9905€2k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€82k€130k▲
Profit (loss) brought forward from the previous period14P€79k€82k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €14k | €29k | €36k | €116k | €103k | ▼ 11.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €25k | €26k | €29k | €50k | ▲ 71.8% |
| Other operating charges640/8 | - | €94 | - | €516 | €610 | ▲ 18.1% |
| Gross operating margin9900 | €29k | €72k | €154k | €161k | €234k | ▲ 45.4% |
| Operating profit (loss)9901 | €6k | €17k | €92k | €15k | €81k | ▲ 438% |
| Financial income75/76B | €4 | €0 | €302 | €1 | €0 | ▼ 96.7% |
| Recurring financial income75 | €4 | €0 | €302 | €1 | €0 | ▼ 96.7% |
| Financial charges65/66B | €50 | €2k | €2k | €5k | €13k | ▲ 136% |
| Recurring financial charges65 | €50 | €2k | €2k | €5k | €13k | ▲ 136% |
| Profit (loss) for the period before taxes9903 | €6k | €16k | €90k | €10k | €68k | ▲ 607% |
| Income taxes67/77 | €2k | €5k | €25k | €7k | €20k | ▲ 183% |
| Profit (loss) for the period9904 | €4k | €10k | €65k | €2k | €48k | ▲ 1,823% |
| Profit (loss) for the period to be appropriated9905 | €4k | €10k | €65k | €2k | €48k | ▲ 1,823% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €429k | €396k | €501k | €661k | €709k | ▲ 7.3% |
| Formation expenses20 | €136 | - | - | - | - | - |
| Fixed assets21/28 | €230k | €207k | €189k | €365k | €328k | ▼ 10.2% |
| Intangible fixed assets21 | €227k | €204k | €180k | €355k | €312k | ▼ 12.2% |
| Tangible fixed assets22/27 | €3k | €3k | €8k | €9k | €15k | ▲ 69.6% |
| Furniture and vehicles24 | €3k | €3k | €8k | €9k | €15k | ▲ 69.6% |
| Financial fixed assets28 | - | €500 | €500 | €500 | €500 | = |
| Current assets29/58 | €199k | €190k | €312k | €296k | €382k | ▲ 28.8% |
| Amounts receivable within one year40/41 | €54k | €34k | €86k | €51k | €81k | ▲ 59.3% |
| Trade receivables40 | €54k | €32k | €86k | €50k | €80k | ▲ 60.7% |
| Other amounts receivable41 | - | €2k | - | €1k | €2k | ▲ 12.4% |
| Cash at bank and in hand54/58 | €79k | €72k | €95k | €41k | €107k | ▲ 162% |
| Deferred charges and accrued income490/1 | €65k | €83k | €131k | €204k | €194k | ▼ 5.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €429k | €396k | €501k | €661k | €709k | ▲ 7.3% |
| Equity10/15 | €14k | €24k | €89k | €92k | €140k | ▲ 52.0% |
| Contributions10/11 | €10k | €10k | €10k | €10k | €10k | = |
| Profit (loss) carried forward14 | €4k | €14k | €79k | €82k | €130k | ▲ 58.3% |
| Amounts payable17/49 | €415k | €372k | €412k | €569k | €570k | ▲ 0.1% |
| Amounts payable after more than one year17 | €150k | €150k | €150k | €296k | €265k | ▼ 10.3% |
| Financial debts170/4 | - | - | - | €156k | €145k | ▼ 6.7% |
| Other amounts payable178/9 | €150k | €150k | €150k | €140k | €120k | ▼ 14.3% |
| Amounts payable within one year42/48 | €260k | €222k | €262k | €273k | €301k | ▲ 10.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | €24k | €31k | ▲ 27.2% |
| Financial debts43 | - | - | - | - | €304 | - |
| Credit institutions430/8 | - | - | - | - | €304 | - |
| Trade debts44 | €6k | €8k | €21k | €9k | €34k | ▲ 273% |
| Suppliers440/4 | €6k | €8k | €21k | €9k | €34k | ▲ 273% |
| Taxes, remuneration and social security45 | €10k | €22k | €49k | €27k | €42k | ▲ 53.8% |
| Taxes450/3 | €7k | €17k | €43k | €7k | €28k | ▲ 284% |
| Remuneration and social security454/9 | €3k | €5k | €6k | €20k | €14k | ▼ 30.8% |
| Other amounts payable47/48 | €244k | €192k | €192k | €213k | €194k | ▼ 8.9% |
| Accrued charges and deferred income492/3 | €5k | - | - | - | €3k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €10k | €65k | €2k | €48k | ▲ 1,823% |
| + Depreciation and write-downs630 | €9k | €25k | €26k | €29k | €50k | ▲ 71.8% |
| Operating cash flow (approximation) | €13k | €35k | €91k | €31k | €98k | ▲ 210% |
| Investment in fixed assets (approximation) | - | €-2k | €-8k | €-205k | €-13k | ▲ 93.8% |
| Change in cash | - | €-7k | €23k | €-54k | €66k | ▲ 222% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Equity above €100kEq €140k ▲52%
5 profitable years in a row build equity to €140k.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €2k ▼96.2%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-12
Financial
Highest result since 2021net €65k ▲536%
Operating result €92k, net result €65k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Mont-Saint-Guibert · 1 establishment unit since 2021
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 Emile Francqui 111435 Mont-Saint-Guibert1 establishment unit
AGIFIN
since 20212.314.792.756
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Of 807 companies in sector 64999 we hold annual accounts for 484. 324 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
66220Insurance agents and brokers
70200Business and other management consultancy
Contact
Website
www.agifin.be
E-mail
contact@agifin.be
Scores and ratios are computed by Checked and are not a credit decision.