AGM AUTO
ActiveSummary
The computed 12-month bankruptcy probability of AGM AUTO is 2.0% (moderate). The 2025 annual accounts show equity of €10,983 and a net result of €10,862. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 54% of 18973 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
Score 2025
Axes · tick = 2024
Profitability100▲+23
Solvency63▲+37
Growth78=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.19 against 0.57 in 2024; short-term debt: 61.6% and cash: 6.8% of total assets), and 61.6% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
38.4%
Return on assets
37.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
25 d late
2023
85 d late
2022
59 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 50 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 14 September (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€10,983▲ 8,935%
2024 · €122
Total assets
€28,624▲ 78.7%
2024 · €16,018
Net result
€10,862▲ 961%
2024 · €1,024
Working capital
€3,381
2024 · -€6,834
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result-€6,751-€3,376€704▼ 79.2%€14,013▲ 1,891%
Net result-€6,903below the sector's middle half-€3,500within the sector's middle half€1,024within the sector's middle half▼ 70.7%€10,862within the sector's middle half▲ 961%
Equity-€4,403below the sector's middle half--€903below the sector's middle half▲ 79.5%€122below the sector's middle half€10,983within the sector's middle half▲ 8,935%
Total assets€9,792below the sector's middle half-€17,993below the sector's middle half▲ 83.8%€16,018below the sector's middle half▼ 11.0%€28,624below the sector's middle half▲ 78.7%
Debt€14,195-€18,896▲ 33.1%€15,896▼ 15.9%€17,640▲ 11.0%
Working capital-€7,427within the sector's middle half--€10,518within the sector's middle half▼ 41.6%-€6,834within the sector's middle half▲ 35.0%€3,381within the sector's middle half
Solvency-45.0%below the sector's middle half--5.0%below the sector's middle half▲ 39.9pp0.8%below the sector's middle half▲ 5.8pp38.4%within the sector's middle half▲ 37.6pp
Current ratio0.48below the sector's middle half-0.44below the sector's middle half▼ 0.030.57below the sector's middle half▲ 0.131.19within the sector's middle half▲ 0.62
Return on assets (ROA)-70.5%below the sector's middle half-19.5%above the sector's middle half▲ 89.9pp6.4%within the sector's middle half▼ 13.1pp37.9%above the sector's middle half▲ 31.6pp
Staff (FTE)1-1=1=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, 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 recovers in 2025; 2025 is 1,891% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28,314
Fixed assets
€7,292 ▲ 14.9%
Current assets
€21,022 ▲ 132%
Equity and liabilities €28,624
Equity
€10,983 ▲ 8,935%
Debt
€17,640 ▲ 11.0%
Debt's share of the balance-sheet total falls from 99.2% to 61.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€16,597▲
2024 · €3,362
Cash flow
€13,445▲
2024 · €3,683
Debt to equity
1.61
ROE
98.9%
Interest coverage
133.67▲
2024 · 44.78
Debt ≤ 1 year
€17,640▲
2024 · €15,896
Income taxes
€3,087▲
2024 · €47
Staff costs
€379▼
2024 · €8,882
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.3%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.0% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 39,278 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 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €8,789 | €19,144 | €8,882 | €379 | ▼ 95.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €738 | €1,540 | €2,659 | €2,583 | ▼ 2.8% |
| Other operating charges640/8 | €602 | €3,274 | €370 | €832 | ▲ 125% |
| Gross operating margin9900 | €3,378 | €27,334 | €12,614 | €17,808 | ▲ 41.2% |
| Operating profit (loss)9901 | -€6,751 | €3,376 | €704 | €14,013 | ▲ 1,891% |
| Financial income75/76B | - | €181 | €443 | €60 | ▼ 86.5% |
| Recurring financial income75 | - | €181 | €443 | €60 | ▼ 86.5% |
| Financial charges65/66B | €152 | €57 | €75 | €124 | ▲ 65.3% |
| Recurring financial charges65 | €152 | €57 | €75 | €124 | ▲ 65.3% |
| Profit (loss) for the period before taxes9903 | -€6,903 | €3,500 | €1,071 | €13,949 | ▲ 1,202% |
| Income taxes67/77 | - | - | €47 | €3,087 | ▲ 6,457% |
| Profit (loss) for the period9904 | -€6,903 | €3,500 | €1,024 | €10,862 | ▲ 961% |
| Profit (loss) for the period to be appropriated9905 | -€6,903 | €3,500 | €1,024 | €10,862 | ▲ 961% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €9,792 | €17,993 | €16,018 | €28,624 | ▲ 78.7% |
| Formation expenses20 | €1,206 | €908 | €609 | €310 | ▼ 49.1% |
| Fixed assets21/28 | €1,818 | €8,707 | €6,347 | €7,292 | ▲ 14.9% |
| Tangible fixed assets22/27 | €1,818 | €8,707 | €6,347 | €7,292 | ▲ 14.9% |
| Plant, machinery and equipment23 | €141 | €7,731 | €6,071 | €5,375 | ▼ 11.5% |
| Furniture and vehicles24 | €1,677 | €976 | €275 | €1,917 | ▲ 596% |
| Current assets29/58 | €6,768 | €8,378 | €9,062 | €21,022 | ▲ 132% |
| Amounts receivable within one year40/41 | €2,126 | €3,747 | €7,577 | €19,071 | ▲ 152% |
| Trade receivables40 | €2,015 | €3,570 | €7,572 | €19,063 | ▲ 152% |
| Other amounts receivable41 | €111 | €177 | €5 | €7 | ▲ 46.3% |
| Cash at bank and in hand54/58 | €4,024 | €4,577 | €1,194 | €1,951 | ▲ 63.4% |
| Deferred charges and accrued income490/1 | €618 | €54 | €291 | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €9,792 | €17,993 | €16,018 | €28,624 | ▲ 78.7% |
| Equity10/15 | -€4,403 | -€903 | €122 | €10,983 | ▲ 8,935% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | -€6,903 | -€3,403 | -€2,378 | €8,483 | ▲ 457% |
| Amounts payable17/49 | €14,195 | €18,896 | €15,896 | €17,640 | ▲ 11.0% |
| Amounts payable within one year42/48 | €14,195 | €18,896 | €15,896 | €17,640 | ▲ 11.0% |
| Current portion of amounts payable after more than one year42 | €1,889 | €861 | €861 | - | - |
| Trade debts44 | €3,977 | €3,132 | €5,081 | €8,541 | ▲ 68.1% |
| Suppliers440/4 | €3,977 | €3,132 | €5,081 | €8,541 | ▲ 68.1% |
| Advances received on contracts in progress46 | - | - | €200 | €399 | ▲ 99.5% |
| Taxes, remuneration and social security45 | €3,092 | €4,684 | €4,704 | €6,945 | ▲ 47.6% |
| Taxes450/3 | €1,264 | €1,151 | €4,089 | €6,945 | ▲ 69.8% |
| Remuneration and social security454/9 | €1,828 | €3,533 | €615 | - | - |
| Other amounts payable47/48 | €5,237 | €10,219 | €5,050 | €1,755 | ▼ 65.2% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,903 | €3,500 | €1,024 | €10,862 | ▲ 961% |
| + Depreciation and write-downs630 | €738 | €1,540 | €2,659 | €2,583 | ▼ 2.8% |
| Operating cash flow (approximation) | -€6,165 | €5,040 | €3,683 | €13,445 | ▲ 265% |
| Investment in fixed assets (approximation) | - | -€8,429 | -€298 | -€3,529 | ▼ 1,082% |
| Change in cash | - | €553 | -€3,383 | €757 | ▲ 122% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
17-07
State Gazette act
Resignation: Bennour Saddam (director)2 facts ▸
State Gazette act
Resignation: Bennour Saddam (director)
2 facts ▸
- General meeting, 31-12-2025
- Director resignation, Bennour Saddam (director)
2025
31-12
Financial
Highest result since 2022net €10,862 ▲961%
Operating result €14,013, net result €10,862, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.19
Current ratio from 0.57 to 1.19.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 85 days late
2023
31-12
Financial
Back to profitnet €3,500
Net result €3,500 after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company in the Gazette acts read. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Mouscron · 1 establishment unit since 2021
Ground area
854 m²
Building footprint
427 m²
Volume, LiDAR
3,073 m³
2 parcels, Flanders, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
AGM AUTO
since 20212.326.174.321
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54436A0211/00H006 | Wallonia | 548 m² | 1 · 121 m² | 9.2 m · 2 fl. |
| 34001B0354/00K002 | Flanders | 306 m² | 1 · 306 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Bennour Saddam |
|
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Of 1,124 companies in this sector we hold annual accounts for 466. 192 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded23-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47830Retail sale of motorcycles and motorcycle parts and accessories
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95319Other maintenance and repair of motor vehicles
46180Agents specialised in the wholesale of other particular products
46720Wholesale of motor vehicle parts and accessories
E-invoicing
Reachable via Peppol
Peppol ID
0208:0779292456
Also
9925:BE0779292456
Registered
28-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.