AGL CLOISON
ActiveSummary
AGL CLOISON has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €3k. Equity is shrinking by ~18.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 57% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+78
Solvency78▼-7
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 1.67 in 2024; short-term debt: 46.7% and cash: 6.2% of total assets), and 46.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
53.3%
Return on assets
7.7%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
11 d late
2023
39 d early
2022
30 d late
2021
26 d late
2020
31 d late
2019
31 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▲ 16.8%
2024 · €16k
2018: €60khighest in 8 years
2019: €50k▼ -16.3% vs 2018
2020: €55k▲ +10.0% vs 2019
2021: €44k▼ -19.3% vs 2020
2022: €32k▼ -27.6% vs 2021
2023: €25k▼ -22.2% vs 2022
2024: €16k▼ -34.8% vs 2023lowest in 8 years
2025: €19k▲ +16.8% vs 2024
2018 → 2025
Total assets
€36k▲ 32.4%
2024 · €27k
2018: €92khighest in 8 years
2019: €67k▼ -27.0% vs 2018
2020: €71k▲ +6.1% vs 2019
2021: €56k▼ -21.7% vs 2020
2022: €37k▼ -32.6% vs 2021
2023: €35k▼ -5.4% vs 2022
2024: €27k▼ -23.9% vs 2023lowest in 8 years
2025: €36k▲ +32.4% vs 2024
2018 → 2025
Net result
€3k
2024 · €-9k
2018: €33khighest in 8 years
2019: €-10k▼ -130% vs 2018
2020: €5k▲ +152% vs 2019
2021: €-11k▼ -311% vs 2020
2022: €-12k▼ -15.3% vs 2021lowest in 8 years
2023: €-7k▲ +41.6% vs 2022
2024: €-9k▼ -21.9% vs 2023
2025: €3k▲ +132% vs 2024
2018 → 2025
Working capital
€13k▲ 88.7%
2024 · €7k
2018: €48khighest in 8 years
2019: €39k▼ -19.0% vs 2018
2020: €45k▲ +15.5% vs 2019
2021: €32k▼ -29.6% vs 2020
2022: €20k▼ -37.3% vs 2021
2023: €12k▼ -38.9% vs 2022
2024: €7k▼ -41.3% vs 2023lowest in 8 years
2025: €13k▲ +88.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€32k▼ 27.6%€25k▼ 22.2%€16k▼ 34.8%€19k▲ 16.8%
2021: €44khighest in 5 years
2022: €32k▼ -27.6% vs 2021
2023: €25k▼ -22.2% vs 2022
2024: €16k▼ -34.8% vs 2023lowest in 5 years
2025: €19k▲ +16.8% vs 2024
Operating result€-9k-€-12k▼ 29.7%€-7k▲ 42.9%€-8k▼ 22.4%€3k
2021: €-9k
2022: €-12k▼ -29.7% vs 2021lowest in 5 years
2023: €-7k▲ +42.9% vs 2022
2024: €-8k▼ -22.4% vs 2023
2025: €3k▲ +139% vs 2024highest in 5 years
Net result€-11k-€-12k▼ 15.3%€-7k▲ 41.6%€-9k▼ 21.9%€3k
2021: €-11k
2022: €-12k▼ -15.3% vs 2021lowest in 5 years
2023: €-7k▲ +41.6% vs 2022
2024: €-9k▼ -21.9% vs 2023
2025: €3k▲ +132% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €8k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€6k ▼ 39.0%
Current assets
€30k ▲ 69.1%
Equity and liabilities €36k
Equity
€19k ▲ 16.8%
Debt
€17k ▲ 56.1%
Debt's share of the balance-sheet total rises from 39.7% to 46.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7k▲
2024 · €-4k
Cash flow
€7k▲
2024 · €-4k
Current ratio
1.80▲
2024 · 1.67
Quick ratio
1.04▲
2024 · 0.96
Debt to equity
0.88▲
2024 · 0.66
ROE
14.4%▲
2024 · -53.3%
ROA
7.7%▲
2024 · -32.2%
Interest coverage
13.94▲
2024 · -11.43
Debt ≤ 1 year
€17k▲
2024 · €11k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€27k€36k▲
Fixed assets21/28€9k€6k▼
Tangible fixed assets22/27€9k€6k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€18k€30k▲
Stocks and contracts in progress3€8k€13k▲
Stocks30/36€8k€13k▲
Amounts receivable within one year40/41€1k€6k▲
Trade receivables40-€4k
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€9k€2k▼
Deferred charges and accrued income490/1€109€10k▲
Equity and liabilities
Total equity and liabilities10/49€27k€36k▲
Equity10/15€16k€19k▲
Contributions10/11€19k€19k=
Reserves13€33k€33k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€31k€31k=
Profit (loss) carried forward14€-35k€-32k▲
Amounts payable17/49€11k€17k▲
Amounts payable within one year42/48€11k€17k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45-€110
Taxes450/3-€110
Other amounts payable47/48€8k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Gross operating margin9900€-4k€7k▲
Operating profit (loss)9901€-8k€3k▲
Financial income75/76B-€3
Recurring financial income75-€3
Financial charges65/66B€360€518▲
Recurring financial charges65€360€518▲
Profit (loss) for the period before taxes9903€-9k€3k▲
Profit (loss) for the period9904€-9k€3k▲
Profit (loss) for the period to be appropriated9905€-9k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-32k▲
Profit (loss) brought forward from the previous period14P€-26k€-35k▼
The notes to these accounts (7 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 | €503 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €4k | €4k | €4k | €4k | ▼ 6.0% |
| Other operating charges640/8 | €13 | €13 | €11 | - | - | - |
| Gross operating margin9900 | €-5k | €-8k | €-2k | €-4k | €7k | ▲ 276% |
| Operating profit (loss)9901 | €-9k | €-12k | €-7k | €-8k | €3k | ▲ 139% |
| Financial income75/76B | €76 | €54 | - | - | €3 | - |
| Recurring financial income75 | €76 | €54 | - | - | €3 | - |
| Financial charges65/66B | €1k | €341 | €325 | €360 | €518 | ▲ 44.1% |
| Recurring financial charges65 | €1k | €341 | €325 | €360 | €518 | ▲ 44.1% |
| Profit (loss) for the period before taxes9903 | €-11k | €-12k | €-7k | €-9k | €3k | ▲ 132% |
| Profit (loss) for the period9904 | €-11k | €-12k | €-7k | €-9k | €3k | ▲ 132% |
| Profit (loss) for the period to be appropriated9905 | €-11k | €-12k | €-7k | €-9k | €3k | ▲ 132% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €56k | €37k | €35k | €27k | €36k | ▲ 32.4% |
| Fixed assets21/28 | €13k | €12k | €13k | €9k | €6k | ▼ 39.0% |
| Tangible fixed assets22/27 | €13k | €12k | €13k | €9k | €6k | ▼ 39.0% |
| Plant, machinery and equipment23 | €7k | €8k | €7k | €6k | €4k | ▼ 34.6% |
| Furniture and vehicles24 | €5k | €5k | €6k | €3k | €2k | ▼ 46.6% |
| Current assets29/58 | €43k | €25k | €23k | €18k | €30k | ▲ 69.1% |
| Stocks and contracts in progress3 | - | - | €5k | €8k | €13k | ▲ 67.9% |
| Stocks30/36 | - | - | €5k | €8k | €13k | ▲ 67.9% |
| Amounts receivable within one year40/41 | €15k | €2k | €1k | €1k | €6k | ▲ 315% |
| Trade receivables40 | €12k | €1k | - | - | €4k | - |
| Other amounts receivable41 | €3k | €918 | €1k | €1k | €2k | ▲ 22.1% |
| Cash at bank and in hand54/58 | €28k | €23k | €16k | €9k | €2k | ▼ 74.9% |
| Deferred charges and accrued income490/1 | €203 | €125 | €138 | €109 | €10k | ▲ 8,772% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €56k | €37k | €35k | €27k | €36k | ▲ 32.4% |
| Equity10/15 | €44k | €32k | €25k | €16k | €19k | ▲ 16.8% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | €19k | - | - | - | - | - |
| Issued capital100 | €19k | - | - | - | - | - |
| Reserves13 | €33k | €33k | €33k | €33k | €33k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | €2k | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | €31k | - | - | - | - | - |
| Distributable reserves133 | - | €31k | €31k | €31k | €31k | = |
| Profit (loss) carried forward14 | €-7k | €-19k | €-26k | €-35k | €-32k | ▲ 7.8% |
| Amounts payable17/49 | €11k | €5k | €10k | €11k | €17k | ▲ 56.1% |
| Amounts payable within one year42/48 | €11k | €5k | €10k | €11k | €17k | ▲ 56.1% |
| Trade debts44 | €11k | €702 | €4k | €3k | €4k | ▲ 25.0% |
| Suppliers440/4 | €11k | €702 | €4k | €3k | €4k | ▲ 25.0% |
| Taxes, remuneration and social security45 | €13 | €37 | €63 | - | €110 | - |
| Taxes450/3 | €13 | €37 | €63 | - | €110 | - |
| Other amounts payable47/48 | €226 | €5k | €6k | €8k | €13k | ▲ 67.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-11k | €-12k | €-7k | €-9k | €3k | ▲ 132% |
| + Depreciation and write-downs630 | €3k | €4k | €4k | €4k | €4k | ▼ 6.0% |
| Operating cash flow (approximation) | €-7k | €-8k | €-3k | €-4k | €7k | ▲ 250% |
| Investment in fixed assets (approximation) | - | €-4k | €-5k | €-549 | €-389 | ▲ 29.1% |
| Change in cash | - | €-5k | €-7k | €-7k | €-7k | ▲ 11.3% |
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
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after 4 loss-making years.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
22-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Quaregnon · 1 establishment unit since 2002
Ground area
301 m²
Building footprint
94 m²
Volume, LiDAR
372 m³
Parcel 53065A0718/00F000, Wallonia · tallest building 5.0 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Rue Jules Destrée 307, 7390 Quaregnon
since 20022.098.870.360
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53065A0718/00F000 | Wallonia | 301 m² | 1 · 94 m² | 5.0 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 4,014 companies in sector 43310 we hold annual accounts for 1,746. 1,325 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
Founded18-02-2002
Fiscal year end31-12
Activities, NACEBEL 2025
43310Plastering work
43320Joinery installation
43410Roofing work
Scores and ratios are computed by Checked and are not a credit decision.