Equity
€891,068 ▲ 3.7%
AGMA has made a profit without a break since 2016.
AGMA
Lifetime
20 annual accounts with figures on one time axis, 33 filings since 1992peak €188,247 (2025)
€188,247▲ 21.2%
lowest -€51,237 (2012)
€31,677▲ 391%
peak €891,068 (2025)
€891,068▲ 3.7%
€815,523▼ 10.9%
Board4 names since 1996
4 directorsEddy De Coster and 3 others
Documentsfilings and deeds
29-07-20262 days before the deadline
2025abbreviated format
Gross margin from €155,259 to €188,247Result from €6,451 to €31,677Cash from €22,046 to €12,853
Key points
from the 2025 annual accountsChecked score
91
Excellent
Financially stronger than 44% of micro companies in building services and landscaping (NACE 81)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.9% across 7,710 companies (NACE 81, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025highest value
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.3%● unchanged vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.1%▼ -0.2 percentage points vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Services to buildings and landscape activities (NACE 81)
Liquidity: current ratio 0.11, cash €12,853
lowers risk
Size: total assets €1.7m
Founded in 1991
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 81, micro). It does better than 62% of them on solvency, 34% on liquidity, 39% on profitability and 42% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 14,766 companies had the same profile as AGMA has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of AGMA itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 14,766 companies, not a prediction for AGMA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €80,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.11 (0.12 in 2024), below 1. Short-term debt is 25.1% and cash 0.8% of total assets. 47.8% of the assets are financed with debt and provisions.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 days early
2024
36 days early
2023
28 days late
2022
31 days late
2021
52 days early
2020
31 days early
2019
63 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average on the deadline day. In the sector (NACE 81), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 July (4 of the last 5 accounts filed within 34 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
3 directors appointed, 3 resignations, 1 reappointment
Resignations: DE COSTER Sofie Franciscus Joanna, WILLEMSE Rita Josephina Françoise and DE COSTER Eddy Eduard Leonardus · Appointments: DE COSTER Sofie Franciscus Joanna, DE COSTER Eddy Eduard Leonardus and WILLEMSE Rita Josephina Françoise · Reappointment: DE COSTER Eddy Eduard Leonardus (managing director) · General meeting of 02-04-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0444674427
3 directors reappointed
Eddy De Coster (managing director), Rita Willemse and Sofie De Coster · General meeting of 04-05-2023 · Gazette deed
First establishment
AGMA NV, Dorpsstraat 24, Kalmthout
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| AGMA Kalmthout | €1.7m | €188,247 | 52.2% | - |
| CALUVAN Boortmeerbeek | €1.5m | €203,950 | 79.6% | - |
| ASON Mortsel | €1.6m | €157,718 | 63.2% | - |
| DE SCHUUR Ravels | €1.4m | €245,780 | 91.5% | - |
| ACCODI Oud-Turnhout | €2.1m | €321,979 | 70.0% | - |
| TASEF INVEST Puurs-Sint-Amands | €0.9m | €180,624 | 60.8% | - |
| F&F Investments Zandhoven | €2.4m | €127,715 | 87.1% | - |
These companies have the same main activity as AGMA: combined facilities support activities (NACE 81100). They are comparable in size and age: total assets between €910,000 and €2.4m, founded between 1987 and 1996.
Official details
Source: KBO- Status
- Active since 04-07-1991Normal situation
- Activity
- Combined facilities support activitiesNACE 81100
- Establishment unit
- 2.053.582.0502920 Kalmthout, since 28-08-1996
- Financial year end
- 31 December
- Peppol
- Reachable since 27-03-2025
Annual accounts 2025
- ≈ €600,000estimated
- €1.7m▼ 3.9%
- Filing
- Filed on 29-07-2026, 2 days before the end of the filing period
Insights on AGMA
AGMA files the abbreviated format. That format states no turnover. The gross margin rose from €103,569 in 2006 to €188,247 in 2025.
The balance sheet grew most from 2007 to 2008 through fixed assets.
In April 2026, three directors stepped down. In July 2023, the Official Gazette published the appointment of Eddy De Coster as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about AGMA
- What is the company number of AGMA?
- The company number of AGMA is 0444.674.427. The VAT number is the same number with BE in front: BE 0444.674.427.
- Where is AGMA based?
- The registered office is at Dorpsstraat 24, 2920 Kalmthout.Company details
- What does AGMA do?
- According to the KBO register, the main activity is combined facilities support activities (NACE 81100).
- What is the legal form of AGMA?
- AGMA is a public limited company (NV).
- When was AGMA founded?
- AGMA was founded on 04-07-1991.
- Is AGMA still active?
- Yes, AGMA is an active enterprise in the KBO register.
- What is the turnover of AGMA?
- The turnover in financial year 2025 is ≈ €600,000. This figure is estimated from the gross margin of €188,247 and 64 comparable companies (NACE 81). It probably lies between €380,000 and €870,000.Financials
- Is AGMA profitable?
- In financial year 2025, AGMA made a profit of €31,677.
- Where can I find the annual accounts of AGMA?
- AGMA filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of AGMA due?
- AGMA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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