AGL
ActiveSummary
AGL has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €544k and a net result of €21k. Equity is growing by ~22.3% per year across the filed fiscal years. Its solvency ranks better than 67% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-11
Solvency77▼-23
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 8.27 against 9.02 in 2024; short-term debt: 4.9% and cash: 14.5% of total assets), and 47.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52.4%
Return on assets
2.1%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
36 d early
2023
3 d early
2022
3 d early
2021
22 d late
2020
5 d early
2019
17 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€544k▲ 4.1%
2024 · €523k
2018: €72k
2019: €115k
2020: €163k
2021: €280k
2022: €397k
2023: €452k
2024: €523k
2018 → 2025
Total assets
€1.04M▲ 59.8%
2024 · €650k
2018: €81k
2019: €153k
2020: €210k
2021: €331k
2022: €518k
2023: €590k
2024: €650k
2018 → 2025
Net result
€21k▼ 69.6%
2024 · €70k
2018: €19k
2019: €48k
2020: €56k
2021: €123k
2022: €136k
2023: €69k
2024: €70k
2018 → 2025
Working capital
€373k▼ 7.7%
2024 · €404k
2018: €57k
2019: €79k
2020: €136k
2021: €210k
2022: €278k
2023: €330k
2024: €404k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€280k-€397k▲ 41.9%€452k▲ 14.0%€523k▲ 15.5%€544k▲ 4.1%
Operating result€175k-€195k▲ 11.5%€96k▼ 50.6%€100k▲ 3.8%€42k▼ 58.1%
Net result€123k-€136k▲ 10.6%€69k▼ 49.7%€70k▲ 2.5%€21k▼ 69.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 58% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.04M
Fixed assets
€614k ▲ 214%
Current assets
€424k ▼ 6.6%
Equity and liabilities €1.04M
Equity
€544k ▲ 4.1%
Debt
€494k ▲ 289%
Debt's share of the balance-sheet total rises from 19.6% to 47.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€74k▼
2024 · €121k
Cash flow
€54k▼
2024 · €91k
Current ratio
8.27▼
2024 · 9.02
Debt to equity
0.91▲
2024 · 0.24
ROE
3.9%▼
2024 · 13.4%
ROA
2.1%▼
2024 · 10.8%
Interest coverage
7.30▼
2024 · 47.07
Debt ≤ 1 year
€51k▲
2024 · €50k
Debt > 1 year
€443k▲
2024 · €77k
Income taxes
€10k▼
2024 · €29k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€650k€1.04M▲
Fixed assets21/28€196k€614k▲
Tangible fixed assets22/27€196k€614k▲
Land and buildings22€155k€586k▲
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€36k€25k▼
Current assets29/58€454k€424k▼
Amounts receivable after more than one year29€90€90=
Other amounts receivable291€90€90=
Amounts receivable within one year40/41€145k€272k▲
Trade receivables40€22k€36k▲
Other amounts receivable41€122k€236k▲
Cash at bank and in hand54/58€308k€151k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€650k€1.04M▲
Equity10/15€523k€544k▲
Contributions10/11€6k€6k=
Reserves13€516k€538k▲
Distributable reserves133€516k€538k▲
Amounts payable17/49€127k€494k▲
Amounts payable after more than one year17€77k€443k▲
Financial debts170/4€76k€442k▲
Other amounts payable178/9€479€479=
Amounts payable within one year42/48€50k€51k▲
Current portion of amounts payable after more than one year42€19k€31k▲
Financial debts43-€125
Credit institutions430/8-€125
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€26k€15k▼
Taxes450/3€26k€13k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€3k€848▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€32k▲
Other operating charges640/8€2k€16k▲
Non-recurring operating charges66A€954-
Gross operating margin9900€124k€90k▼
Operating profit (loss)9901€100k€42k▼
Financial income75/76B€1k€10▼
Recurring financial income75€1k€10▼
Financial charges65/66B€3k€10k▲
Recurring financial charges65€3k€10k▲
Profit (loss) for the period before taxes9903€99k€32k▼
Income taxes67/77€29k€10k▼
Profit (loss) for the period9904€70k€21k▼
Profit (loss) for the period to be appropriated9905€70k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€21k▼
Transfer to equity691/2€70k€21k▼
To other reserves6921€70k€21k▼
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €523k ▲15.5%
7 profitable years in a row build equity to €523k.
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €136k ▲10.6%
Operating result €195k, net result €136k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Equity above €200kEq €280k ▲71.1%
4 profitable years in a row build equity to €280k.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €163k ▲42.5%
3 profitable years in a row build equity to €163k.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Equity above €100kEq €115k ▲58.4%
2 profitable years in a row build equity to €115k.
Show earlier events
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
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, Antwerpen · 1 establishment unit since 2016
Ground area
167 m²
Building footprint
102 m²
Volume, LiDAR
1,073 m³
Parcel 11811L3688/00K000, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AGL
since 20162.250.221.638
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3688/00K000 | Flanders | 166 m² | 1 · 102 m² | 15.3 m · 4 fl. |
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.
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TINEKE VAN ROEY VASTGOED
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RELI
BE 0896.035.520
Lievegem · Eq €545,334
Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 4,479 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-2016
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.