AGMS IMMO
ActiveSummary
AGMS IMMO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16,486 and a net result of €5,157. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 60% of 1317 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability48▼-40
Solvency56▲+16
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.13 against 0.94 in 2024; short-term debt: 68.6% and cash: 26.6% of total assets), and 68.6% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Accommodation (NACE 55)
about 6% 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
31.4%
Return on assets
9.8%
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 19-08-2026, 19 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 · 9 filingsDeviation from the deadline
2025
19 d late
2024
27 d late
2023
52 d late
2022
19 d early
2021
23 d late
2020
3 d early
2019
112 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 30 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 45% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€16,486▲ 45.5%
2024 · €11,329
Total assets
€52,543▼ 32.3%
2024 · €77,586
Net result
€5,157▼ 83.9%
2024 · €31,940
Working capital
€4,767
2024 · -€4,141
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 55, Accommodation, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€3,981-€2,630€8,874€41,677▲ 370%€13,604▼ 67.4%
Net result€2,096within the sector's middle half-€10,053within the sector's middle half-€3,082within the sector's middle half▲ 69.3%€31,940above the sector's middle half€5,157within the sector's middle half▼ 83.9%
Equity-€7,477within the sector's middle half▲ 21.9%-€17,529below the sector's middle half▼ 134%-€20,611below the sector's middle half▼ 17.6%€11,329within the sector's middle half€16,486within the sector's middle half▲ 45.5%
Total assets€40,204below the sector's middle half▲ 39.5%€51,017below the sector's middle half▲ 26.9%€68,625below the sector's middle half▲ 34.5%€77,586below the sector's middle half▲ 13.1%€52,543below the sector's middle half▼ 32.3%
Debt€47,681▲ 24.2%€68,547▲ 43.8%€89,236▲ 30.2%€66,258▼ 25.7%€36,057▼ 45.6%
Working capital-€15,564▼ 13.8%-€35,061▼ 125%-€40,291▼ 14.9%-€4,141▲ 89.7%€4,767
Solvency-18.6%below the sector's middle half▲ 14.6pp-34.4%below the sector's middle half▼ 15.8pp-30.0%below the sector's middle half▲ 4.3pp14.6%within the sector's middle half▲ 44.6pp31.4%within the sector's middle half▲ 16.8pp
Staff (FTE)2▲ 567%7.57.9▲ 5.3%7.8▼ 1.3%
above
within
below
the middle half (P25 to P75) of NACE 55, Accommodation, 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 falls in 2025; 2025 is 67% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52,543
Fixed assets
€11,719 ▼ 24.2%
Current assets
€40,825 ▼ 34.3%
Equity and liabilities €52,543
Equity
€16,486 ▲ 45.5%
Debt
€36,057 ▼ 45.6%
Debt's share of the balance-sheet total falls from 85.4% to 68.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17,355▼
2024 · €45,888
Cash flow
€8,908▼
2024 · €36,150
Current ratio
1.13▲
2024 · 0.94
Debt to equity
2.19▼
2024 · 5.85
ROE
31.3%▼
2024 · 281.9%
ROA
9.8%▼
2024 · 41.2%
Interest coverage
2.04▼
2024 · 4.54
Debt ≤ 1 year
€36,057▼
2024 · €66,258
Staff costs
€92,598▼
2024 · €93,122
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 26,964 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €12,835 | €53,343 | €80,616 | €93,122 | €92,598 | ▼ 0.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,925 | €2,357 | €3,787 | €4,211 | €3,751 | ▼ 10.9% |
| Other operating charges640/8 | €3,223 | €1,337 | €2,191 | €4,826 | €3,325 | ▼ 31.1% |
| Gross operating margin9900 | €22,965 | €54,406 | €95,468 | €143,836 | €113,277 | ▼ 21.2% |
| Operating profit (loss)9901 | €3,981 | -€2,630 | €8,874 | €41,677 | €13,604 | ▼ 67.4% |
| Financial income75/76B | - | - | €367 | €372 | €56 | ▼ 84.8% |
| Recurring financial income75 | - | - | €367 | €372 | €56 | ▼ 84.8% |
| Financial charges65/66B | €1,885 | €7,423 | €12,323 | €10,109 | €8,503 | ▼ 15.9% |
| Recurring financial charges65 | €1,885 | €7,423 | €12,323 | €10,109 | €8,503 | ▼ 15.9% |
| Profit (loss) for the period before taxes9903 | €2,096 | -€10,053 | -€3,082 | €31,940 | €5,157 | ▼ 83.9% |
| Profit (loss) for the period9904 | €2,096 | -€10,053 | -€3,082 | €31,940 | €5,157 | ▼ 83.9% |
| Profit (loss) for the period to be appropriated9905 | €2,096 | -€10,053 | -€3,082 | €31,940 | €5,157 | ▼ 83.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €40,204 | €51,017 | €68,625 | €77,586 | €52,543 | ▼ 32.3% |
| Fixed assets21/28 | €8,088 | €17,531 | €19,680 | €15,469 | €11,719 | ▼ 24.2% |
| Tangible fixed assets22/27 | €7,088 | €16,531 | €18,680 | €14,469 | €10,719 | ▼ 25.9% |
| Plant, machinery and equipment23 | €5,707 | €5,116 | €8,882 | €7,951 | €7,021 | ▼ 11.7% |
| Furniture and vehicles24 | €1,381 | €11,415 | €9,798 | €6,518 | €3,698 | ▼ 43.3% |
| Financial fixed assets28 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Current assets29/58 | €32,117 | €33,486 | €48,945 | €62,117 | €40,825 | ▼ 34.3% |
| Amounts receivable within one year40/41 | €11,572 | €10,244 | €6,531 | €43,310 | €26,856 | ▼ 38.0% |
| Trade receivables40 | €3,953 | €3,745 | - | €28,058 | €25,086 | ▼ 10.6% |
| Other amounts receivable41 | €7,619 | €6,499 | €6,531 | €15,252 | €1,770 | ▼ 88.4% |
| Cash at bank and in hand54/58 | €20,545 | €23,242 | €42,414 | €18,807 | €13,969 | ▼ 25.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €40,204 | €51,017 | €68,625 | €77,586 | €52,543 | ▼ 32.3% |
| Equity10/15 | -€7,477 | -€17,529 | -€20,611 | €11,329 | €16,486 | ▲ 45.5% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Profit (loss) carried forward14 | -€13,677 | -€23,729 | -€26,811 | €5,129 | €10,286 | ▲ 101% |
| Amounts payable17/49 | €47,681 | €68,547 | €89,236 | €66,258 | €36,057 | ▼ 45.6% |
| Amounts payable within one year42/48 | €47,681 | €68,547 | €89,236 | €66,258 | €36,057 | ▼ 45.6% |
| Trade debts44 | €37,253 | €41,991 | €52,428 | €48,986 | €17,766 | ▼ 63.7% |
| Suppliers440/4 | €37,253 | €41,991 | €52,428 | €48,986 | €17,766 | ▼ 63.7% |
| Advances received on contracts in progress46 | - | €7,973 | €19,297 | - | - | - |
| Taxes, remuneration and social security45 | €1,028 | €9,183 | €8,112 | €7,871 | €7,762 | ▼ 1.4% |
| Taxes450/3 | €44 | - | - | - | - | - |
| Remuneration and social security454/9 | €983 | €9,183 | €8,112 | €7,871 | €7,762 | ▼ 1.4% |
| Other amounts payable47/48 | €9,400 | €9,400 | €9,400 | €9,400 | €10,529 | ▲ 12.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,096 | -€10,053 | -€3,082 | €31,940 | €5,157 | ▼ 83.9% |
| + Depreciation and write-downs630 | €2,925 | €2,357 | €3,787 | €4,211 | €3,751 | ▼ 10.9% |
| Operating cash flow (approximation) | €5,022 | -€7,696 | €705 | €36,150 | €8,908 | ▼ 75.4% |
| Investment in fixed assets (approximation) | - | -€11,801 | -€5,936 | €0 | €0 | - |
| Change in cash | - | €2,697 | €19,172 | -€23,607 | -€4,838 | ▲ 79.5% |
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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €31,940
Net result €31,940 after 2 loss-making years.
21-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 52 days late
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Back to profitnet €2,096
Net result €2,096 after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet -€32,870
Net result drops to -€32,870, the lowest in the series; recovery starts the following year.
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 112 days late
2019
19-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 50 days late
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
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, Liège · 2 establishment units since 2016
Ground area
137 m²
Building footprint
147 m²
Volume, LiDAR
2,250 m³
2 parcels, Wallonia · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
LES SUITES DE NANESSE
since 20162.258.741.604
LES SUITES DE NANESSE
since 20162.258.741.901
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62063A0463/00D000 | Wallonia | 78 m² | 1 · 73 m² | 17.5 m · 5 fl. |
| 62063A0475/00H000 | Wallonia | 59 m² | 1 · 74 m² | 17.5 m · 5 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.
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Of 1,854 companies in sector 55204 we hold annual accounts for 451. 283 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 (pre-2019)
Founded20-10-2016
Fiscal year end31-12
Activities, NACEBEL 2025
55204Guest rooms (bed and breakfast)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0664833248
Also
9925:BE0664833248
Registered
03-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.