AGIO
ActiveSummary
AGIO has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €321,385 and a net result of €25,258. Equity is shrinking by ~9% per year across the filed fiscal years. Its solvency ranks better than 32% of 8966 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability26▼-17
Solvency58▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity ample (current ratio 76.85 against 39.81 in 2023; short-term debt: 0.5% and cash: 0.6% of total assets), but 67.3% of the assets are financed with debt.
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Signals
Five 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
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €321,385
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-04-2025, 113 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
113 d early
2023
26 d early
2022
87 d early
2021
59 d early
2020
38 d early
2019
30 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 59 days before the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€321,385▲ 8.5%
2023 · €296,127
Total assets
€982,783▲ 0.4%
2023 · €979,117
Net result
€25,258▼ 73.8%
2023 · €96,559
Working capital
€390,850▲ 23.0%
2023 · €317,850
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€37,908▲ 26.1%-€29,133▲ 23.1%-€38,576▼ 32.4%-€32,945▲ 14.6%-€30,530▲ 7.3%
Net result-€90,873below the sector's middle half▼ 323%-€54,321below the sector's middle half▲ 40.2%-€109,342below the sector's middle half▼ 101%€96,559above the sector's middle half€25,258within the sector's middle half▼ 73.8%
Equity€363,231above the sector's middle half▼ 20.0%€308,909above the sector's middle half▼ 15.0%€199,568above the sector's middle half▼ 35.4%€296,127above the sector's middle half▲ 48.4%€321,385above the sector's middle half▲ 8.5%
Total assets€1.2mabove the sector's middle half▼ 7.2%€1.1mabove the sector's middle half▼ 1.5%€1.1mabove the sector's middle half▼ 8.2%€979,117above the sector's middle half▼ 7.0%€982,783above the sector's middle half▲ 0.4%
Debt€345,830▼ 0.5%€362,619▲ 4.9%€361,163▼ 0.4%€682,819▲ 89.1%€661,226▼ 3.2%
Working capital€597,323▼ 5.5%€583,868▼ 2.3%€340,243▼ 41.7%€317,850▼ 6.6%€390,850▲ 23.0%
Solvency31.2%within the sector's middle half▼ 5.0pp26.9%within the sector's middle half▼ 4.3pp19.0%below the sector's middle half▼ 8.0pp30.2%within the sector's middle half▲ 11.3pp32.7%within the sector's middle half▲ 2.5pp
above
within
below
the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €30,530 in 2024 against €32,945 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €982,783
Fixed assets
€586,780 ▼ 10.2%
Current assets
€396,003 ▲ 21.5%
Equity and liabilities €982,783
Equity
€321,385 ▲ 8.5%
Provisions
€172 =
Debt
€661,226 ▼ 3.2%
Debt's share of the balance-sheet total falls from 69.7% to 67.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8,116▼
2023 · €17,176
Cash flow
€63,904▼
2023 · €146,680
Current ratio
76.85▲
2023 · 39.81
Debt to equity
2.06▼
2023 · 2.31
ROE
7.9%▼
2023 · 32.6%
ROA
2.6%▼
2023 · 9.9%
Interest coverage
0.45▼
2023 · 1.44
Debt ≤ 1 year
€5,153▼
2023 · €8,190
Debt > 1 year
€656,073▼
2023 · €674,628
Income taxes
€209▼
2023 · €215
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,684 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,684 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €53,558 | €49,243 | €57,292 | €50,121 | €38,645 | ▼ 22.9% |
| Other operating charges640/8 | - | €5,070 | €3,977 | €6,154 | €5,427 | ▼ 11.8% |
| Gross operating margin9900 | €20,230 | €25,180 | €22,694 | €23,330 | €13,543 | ▼ 41.9% |
| Operating profit (loss)9901 | -€37,908 | -€29,133 | -€38,576 | -€32,945 | -€30,530 | ▲ 7.3% |
| Financial income75/76B | - | €41,365 | €19,391 | €141,659 | €74,186 | ▼ 47.6% |
| Recurring financial income75 | €28,929 | €41,365 | €19,391 | €141,659 | €46,755 | ▼ 67.0% |
| Non-recurring financial income76B | - | - | - | - | €27,431 | - |
| Financial charges65/66B | - | €66,382 | €89,949 | €11,940 | €18,189 | ▲ 52.3% |
| Recurring financial charges65 | €81,610 | €66,382 | €89,949 | €11,940 | €18,189 | ▲ 52.3% |
| Profit (loss) for the period before taxes9903 | -€90,589 | -€54,150 | -€109,133 | €96,774 | €25,467 | ▼ 73.7% |
| Income taxes67/77 | €283 | €172 | €209 | €215 | €209 | ▼ 2.8% |
| Profit (loss) for the period9904 | -€90,873 | -€54,321 | -€109,342 | €96,559 | €25,258 | ▼ 73.8% |
| Profit (loss) for the period to be appropriated9905 | -€90,873 | -€54,321 | -€109,342 | €96,559 | €25,258 | ▼ 73.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.1m | €1.1m | €979,117 | €982,783 | ▲ 0.4% |
| Fixed assets21/28 | €563,863 | €556,150 | €703,024 | €653,078 | €586,780 | ▼ 10.2% |
| Tangible fixed assets22/27 | €563,863 | €556,150 | €703,024 | €653,078 | €586,780 | ▼ 10.2% |
| Land and buildings22 | - | €383,631 | €565,362 | €546,285 | €527,361 | ▼ 3.5% |
| Plant, machinery and equipment23 | - | €16,342 | €14,879 | €12,140 | €8,810 | ▼ 27.4% |
| Furniture and vehicles24 | - | €36,520 | €25,099 | €18,943 | €14,058 | ▼ 25.8% |
| Leasing and similar rights25 | - | €119,657 | €97,684 | €75,710 | €36,550 | ▼ 51.7% |
| Current assets29/58 | €599,870 | €590,550 | €349,879 | €326,040 | €396,003 | ▲ 21.5% |
| Amounts receivable within one year40/41 | €9,126 | €9,069 | €7,657 | €10,245 | €10,980 | ▲ 7.2% |
| Other amounts receivable41 | - | €9,069 | €7,657 | €10,245 | €10,980 | ▲ 7.2% |
| Current investments50/53 | €574,930 | €397,196 | €335,106 | €311,088 | €379,009 | ▲ 21.8% |
| Cash at bank and in hand54/58 | €3,456 | €180,340 | €3,935 | €4,707 | €6,014 | ▲ 27.8% |
| Deferred charges and accrued income490/1 | - | €3,945 | €3,182 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.1m | €1.1m | €979,117 | €982,783 | ▲ 0.4% |
| Equity10/15 | €363,231 | €308,909 | €199,568 | €296,127 | €321,385 | ▲ 8.5% |
| Contributions10/11 | - | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Reserves13 | €440,334 | €440,334 | €440,334 | €440,334 | €440,334 | = |
| Non-distributable reserves130/1 | - | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Reserves not available under the articles1311 | - | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Tax-exempt reserves132 | - | €334 | €334 | €334 | €334 | = |
| Distributable reserves133 | - | €430,000 | €430,000 | €430,000 | €430,000 | = |
| Profit (loss) carried forward14 | -€177,103 | -€231,424 | -€340,766 | -€244,207 | -€218,948 | ▲ 10.3% |
| Provisions and deferred taxes16 | €454,672 | €475,172 | €492,172 | €172 | €172 | = |
| Provisions for liabilities and charges160/5 | - | €475,000 | €492,000 | - | - | - |
| Environmental obligations163 | - | €475,000 | €492,000 | - | - | - |
| Deferred taxes168 | - | €172 | €172 | €172 | €172 | = |
| Amounts payable17/49 | €345,830 | €362,619 | €361,163 | €682,819 | €661,226 | ▼ 3.2% |
| Amounts payable after more than one year17 | €343,283 | €355,937 | €351,527 | €674,628 | €656,073 | ▼ 2.8% |
| Financial debts170/4 | - | €355,937 | €351,527 | €674,628 | €656,073 | ▼ 2.8% |
| Amounts payable within one year42/48 | €2,547 | €6,681 | €9,636 | €8,190 | €5,153 | ▼ 37.1% |
| Current portion of amounts payable after more than one year42 | - | €4,351 | €4,410 | €4,471 | €3,773 | ▼ 15.6% |
| Trade debts44 | €2,547 | €1,831 | €1,356 | €1,522 | €1,380 | ▼ 9.3% |
| Suppliers440/4 | - | €1,831 | €1,356 | €1,522 | €1,380 | ▼ 9.3% |
| Other amounts payable47/48 | - | €500 | €3,869 | €2,198 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€90,873 | -€54,321 | -€109,342 | €96,559 | €25,258 | ▼ 73.8% |
| + Depreciation and write-downs630 | €53,558 | €49,243 | €57,292 | €50,121 | €38,645 | ▼ 22.9% |
| Operating cash flow (approximation) | -€37,315 | -€5,079 | -€52,050 | €146,680 | €63,904 | ▼ 56.4% |
| Investment in fixed assets (approximation) | - | -€41,530 | -€204,165 | -€175 | €27,652 | ▲ 15,862% |
| Change in cash | - | €176,884 | -€176,406 | €772 | €1,307 | ▲ 69.3% |
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
2025
09-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €96,559
Net result €96,559 after 5 loss-making years.
31-12
Financial
Equity above €200,000Eq €296,127 ▲48.4%
Equity rises from €199,568 to €296,127.
05-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 16current ratio 2427.77
Current ratio from 152.51 to 2427.77; short-term debt falls from €4,342 to €260.
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 7 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Esneux · 2 establishment units since 1991
Ground area
2,755 m²
Building footprint
857 m²
Volume, LiDAR
16,978 m³
3 parcels, Brussels, Wallonia · tallest building 40.7 m, ±13 floors. Linked by address, not a title deed.
2 establishment units
AGIO
since 19912.035.621.511
Quai Saint-Léonard 20, 4000 Liège
since 20002.035.621.709
3 parcels
Wallonia
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62101D0232/00A004 | Wallonia | 1,341 m² | 1 · 251 m² | - |
| 62810B0638/00R000 | Wallonia | 1,165 m² | 1 · 410 m² | 40.7 m · 13 fl. |
| 21017D0251/00M004 | Brussels | 250 m² | 1 · 196 m² | 13.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Recognitions · licences · registrations
Legal Entity Identifier
967600VL98MX8QCAU758
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Of 2,711 companies in sector 73200 we hold annual accounts for 1,787. 1,326 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
Founded05-09-1986
Fiscal year end31-12
Activities, NACEBEL 2025
73200Market research and public opinion polling
E-invoicing
Reachable via Peppol
Peppol ID
0208:0429371092
Also
9925:BE0429371092
Registered
16-05-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.