AGM DYNAMIC
ActiveAGM DYNAMIC has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-6k) and a net result of €4k. Equity is shrinking by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 13% of 2506 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
16
/ 100
Critical▲ +1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency35▲+2
Growth58=
Stability94
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.58 against 0.27 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-21.5%
Return on assets
14.7%
Age of the figures
8 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 2506 sector peers (2025).
NBB · sector comparisonPosition among 2506 sector peers
Solvency
better than 13%
← 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 10-08-2026, 10 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 · 3 filingsDeviation from the deadline
2025
10 d late
2024
on the day
2023
20 d late
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-6k▲ 40.6%
2024 · €-9k
2023: €-4k
2024: €-9k
2023 → 2025
Total assets
€26k▲ 93.4%
2024 · €14k
2023: €35k
2024: €14k
2023 → 2025
Net result
€4k
2024 · €-6k
2023: €-7k
2024: €-6k
2023 → 2025
Working capital
€-13k▲ 7.2%
2024 · €-14k
2023: €-5k
2024: €-14k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-4k-€-9k▼ 140%€-6k▲ 40.6%
Operating result€-6k-€-5k▲ 22.8%€4k
Net result€-7k-€-6k▲ 20.6%€4k
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: €4k after a loss of €5k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26k
Fixed assets
€9k▲ 1.5%
Current assets
€17k▲ 251%
Key figures and ratios
EBITDA
€5k▲
2024 · €-2k
Cash flow
€5k▲
2024 · €-3k
Solvency
-21.5%▲
2024 · -69.9%
Current ratio
0.58▲
2024 · 0.27
Quick ratio
0.58▲
2024 · 0.27
Debt / equity
-5.65▼
2024 · -2.43
ROE
-68.2%▼
2024 · 58.3%
ROA
14.7%▲
2024 · -40.8%
Interest coverage
8.31▲
2024 · -2.36
Debt
€32k▲
2024 · €23k
Debt ≤ 1 year
€30k▲
2024 · €19k
Debt > 1 year
€2k▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€14k€26k▲
Fixed assets21/28€9k€9k▲
Tangible fixed assets22/27€5k€2k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€2k-
Financial fixed assets28€3k€6k▲
Current assets29/58€5k€17k▲
Amounts receivable within one year40/41€1k€6k▲
Trade receivables40€1k€6k▲
Other amounts receivable41€11€15▲
Cash at bank and in hand54/58€4k€10k▲
Deferred charges and accrued income490/1€203€2k▲
Equity and liabilities
Total equity and liabilities10/49€14k€26k▲
Equity10/15€-9k€-6k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-12k€-9k▲
Amounts payable17/49€23k€32k▲
Amounts payable after more than one year17€4k€2k▼
Financial debts170/4€4k€2k▼
Amounts payable within one year42/48€19k€30k▲
Current portion of amounts payable after more than one year42€2k€3k▲
Trade debts44€3k€10k▲
Suppliers440/4€3k€10k▲
Taxes, remuneration and social security45€1k€2k▲
Taxes450/3€1k€2k▲
Other amounts payable47/48€12k€16k▲
Accrued charges and deferred income492/3€72-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€920▼
Other operating charges640/8€2k€253▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€-262€7k▲
Operating profit (loss)9901€-5k€4k▲
Financial income75/76B€68€61▼
Recurring financial income75€68€61▼
Financial charges65/66B€841€641▼
Recurring financial charges65€841€641▼
Profit (loss) for the period before taxes9903€-6k€4k▲
Profit (loss) for the period9904€-6k€4k▲
Profit (loss) for the period to be appropriated9905€-6k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-9k▲
Profit (loss) brought forward from the previous period14P€-7k€-12k▼
The notes to these accounts (9 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Wezembeek-Oppem · 1 establishment unit since 2022
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.
Lange Eikstraat 461970 Wezembeek-OppemGround area
3.1 ha
Building footprint
2,838 m²
Volume, LiDAR
14,001 m³
2 parcels, Flanders, Wallonia · tallest building 14.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
AGM DYNAMIC
since 20222.342.104.590
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62809C0255/00A000 | Wallonia | 3.0 ha | 1 · 2,513 m² | 7.6 m · 2 fl. |
| 22006A0114/00P000 | Flanders | 520 m² | 1 · 325 m² | 14.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector and region
Ateliers Lambaux
BE 0402.633.637
Wezembeek-Oppem
CALASSAMI
BE 1039.191.385
Wezembeek-Oppem
Garage AVER
BE 1009.344.584
Wezembeek-Oppem
Garage Van Hoof
BE 0420.861.224
Wezembeek-Oppem
ILSA
BE 0872.297.838
Wezembeek-Oppem
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 7,341 companies in sector 95311 we hold annual accounts for 2,939.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2022
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
62900Other information technology and computer services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.