AGNES
ActiveSummary
AGNES has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €10k. Equity is growing by ~27.8% per year across the filed fiscal years. Its solvency ranks better than 77% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability86▲+4
Solvency93▼-3
Growth52=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.97 against 3.26 in 2024; short-term debt: 32.1% and cash: 5.3% of total assets), and 32.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer 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
67.9%
Return on assets
13.6%
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 13-07-2026, 18 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
18 d early
2024
28 d late
2023
9 d early
2022
4 d early
← 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
€52k▲ 25.0%
2024 · €42k
2022: €19klowest in 4 years
2023: €36k▲ +89.0% vs 2022
2024: €42k▲ +17.2% vs 2023
2025: €52k▲ +25.0% vs 2024highest in 4 years
2022 → 2025
Total assets
€77k▲ 30.2%
2024 · €59k
2022: €28klowest in 4 years
2023: €53k▲ +89.9% vs 2022
2024: €59k▲ +11.7% vs 2023
2025: €77k▲ +30.2% vs 2024highest in 4 years
2022 → 2025
Net result
€10k▲ 70.3%
2024 · €6k
2022: €15k
2023: €17k▲ +13.1% vs 2022highest in 4 years
2024: €6k▼ -63.5% vs 2023lowest in 4 years
2025: €10k▲ +70.3% vs 2024
2022 → 2025
Working capital
€49k▲ 24.8%
2024 · €39k
2022: €14klowest in 4 years
2023: €32k▲ +126% vs 2022
2024: €39k▲ +22.3% vs 2023
2025: €49k▲ +24.8% vs 2024highest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€19k-€36k▲ 89.0%€42k▲ 17.2%€52k▲ 25.0%
2022: €19klowest in 4 years
2023: €36k▲ +89.0% vs 2022
2024: €42k▲ +17.2% vs 2023
2025: €52k▲ +25.0% vs 2024highest in 4 years
Operating result€22k-€24k▲ 9.7%€11k▼ 54.2%€18k▲ 62.3%
2022: €22k
2023: €24k▲ +9.7% vs 2022highest in 4 years
2024: €11k▼ -54.2% vs 2023lowest in 4 years
2025: €18k▲ +62.3% vs 2024
Net result€15k-€17k▲ 13.1%€6k▼ 63.5%€10k▲ 70.3%
2022: €15k
2023: €17k▲ +13.1% vs 2022highest in 4 years
2024: €6k▼ -63.5% vs 2023lowest in 4 years
2025: €10k▲ +70.3% vs 2024
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 62% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€4k ▲ 28.0%
Current assets
€73k ▲ 30.3%
Equity and liabilities €77k
Equity
€52k ▲ 25.0%
Debt
€25k ▲ 42.9%
Debt's share of the balance-sheet total rises from 29.2% to 32.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▲
2024 · €12k
Cash flow
€12k▲
2024 · €7k
Current ratio
2.97▼
2024 · 3.26
Debt to equity
0.47▲
2024 · 0.41
ROE
20.0%▲
2024 · 14.7%
ROA
13.6%▲
2024 · 10.4%
Interest coverage
9.58▲
2024 · 6.77
Debt ≤ 1 year
€25k▲
2024 · €17k
Income taxes
€5k▲
2024 · €3k
Staff costs
€0▼
2024 · €2k
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€59k€77k▲
Fixed assets21/28€3k€4k▲
Tangible fixed assets22/27€3k€4k▲
Furniture and vehicles24€3k€4k▲
Current assets29/58€56k€73k▲
Amounts receivable within one year40/41€24k€45k▲
Trade receivables40-€15k
Other amounts receivable41€24k€29k▲
Current investments50/53€24k€24k=
Cash at bank and in hand54/58€8k€4k▼
Deferred charges and accrued income490/1€669€595▼
Equity and liabilities
Total equity and liabilities10/49€59k€77k▲
Equity10/15€42k€52k▲
Contributions10/11€4k€4k=
Reserves13€38k€48k▲
Distributable reserves133€38k€48k▲
Amounts payable17/49€17k€25k▲
Amounts payable within one year42/48€17k€25k▲
Trade debts44€3k€12k▲
Suppliers440/4€3k€12k▲
Taxes, remuneration and social security45€14k€13k▼
Taxes450/3€14k€13k▼
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€2k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€979€1k▲
Other operating charges640/8€136€222▲
Gross operating margin9900€14k€19k▲
Operating profit (loss)9901€11k€18k▲
Financial income75/76B€464€0▼
Recurring financial income75€464€0▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€10k€16k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€6k€10k▲
Profit (loss) for the period to be appropriated9905€6k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€10k▲
Transfer to equity691/2€6k€10k▲
To the legal reserve6920€0-
To other reserves6921€6k€10k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €2k | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €174 | €979 | €979 | €1k | ▲ 25.3% |
| Other operating charges640/8 | - | - | €136 | €222 | ▲ 62.8% |
| Gross operating margin9900 | €22k | €25k | €14k | €19k | ▲ 36.2% |
| Operating profit (loss)9901 | €22k | €24k | €11k | €18k | ▲ 62.3% |
| Financial income75/76B | €63 | €283 | €464 | €0 | ▼ 100% |
| Recurring financial income75 | €63 | €283 | €464 | €0 | ▼ 100% |
| Financial charges65/66B | €84 | €113 | €2k | €2k | ▲ 12.5% |
| Recurring financial charges65 | €84 | €113 | €2k | €2k | ▲ 12.5% |
| Profit (loss) for the period before taxes9903 | €22k | €24k | €10k | €16k | ▲ 63.6% |
| Income taxes67/77 | €7k | €7k | €3k | €5k | ▲ 51.7% |
| Profit (loss) for the period9904 | €15k | €17k | €6k | €10k | ▲ 70.3% |
| Profit (loss) for the period to be appropriated9905 | €15k | €17k | €6k | €10k | ▲ 70.3% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €28k | €53k | €59k | €77k | ▲ 30.2% |
| Fixed assets21/28 | €5k | €4k | €3k | €4k | ▲ 28.0% |
| Tangible fixed assets22/27 | €5k | €4k | €3k | €4k | ▲ 28.0% |
| Furniture and vehicles24 | €5k | €4k | €3k | €4k | ▲ 28.0% |
| Current assets29/58 | €23k | €49k | €56k | €73k | ▲ 30.3% |
| Amounts receivable within one year40/41 | €10k | €14k | €24k | €45k | ▲ 85.7% |
| Trade receivables40 | - | - | - | €15k | - |
| Other amounts receivable41 | €10k | €14k | €24k | €29k | ▲ 22.3% |
| Current investments50/53 | €7k | €24k | €24k | €24k | = |
| Cash at bank and in hand54/58 | €6k | €11k | €8k | €4k | ▼ 46.1% |
| Deferred charges and accrued income490/1 | - | - | €669 | €595 | ▼ 11.1% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €28k | €53k | €59k | €77k | ▲ 30.2% |
| Equity10/15 | €19k | €36k | €42k | €52k | ▲ 25.0% |
| Contributions10/11 | €4k | €4k | €4k | €4k | = |
| Reserves13 | €15k | €32k | €38k | €48k | ▲ 27.6% |
| Distributable reserves133 | €15k | €32k | €38k | €48k | ▲ 27.6% |
| Amounts payable17/49 | €9k | €17k | €17k | €25k | ▲ 42.9% |
| Amounts payable within one year42/48 | €9k | €17k | €17k | €25k | ▲ 42.9% |
| Trade debts44 | €140 | €1k | €3k | €12k | ▲ 277% |
| Suppliers440/4 | €140 | €1k | €3k | €12k | ▲ 277% |
| Taxes, remuneration and social security45 | €6k | €15k | €14k | €13k | ▼ 10.7% |
| Taxes450/3 | €6k | €15k | €14k | €13k | ▼ 10.7% |
| Other amounts payable47/48 | €3k | €1k | €0 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15k | €17k | €6k | €10k | ▲ 70.3% |
| + Depreciation and write-downs630 | €174 | €979 | €979 | €1k | ▲ 25.3% |
| Operating cash flow (approximation) | €15k | €18k | €7k | €12k | ▲ 64.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-2k | - |
| Change in cash | - | €5k | €-4k | €-3k | ▲ 1.0% |
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
26-08
State Gazette act
General meeting · Director appointment
Permanent representative
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €6k ▼63.5%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €17k ▲13.1%
Operating result €24k, net result €17k, both a record.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB 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, Leuven · 1 establishment unit since 2021
Ground area
305 m²
Building footprint
167 m²
Volume, LiDAR
895 m³
Parcel 24483E0244/00W000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AGNES
since 20212.322.938.974
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24483E0244/00W000 | Flanders | 304 m² | 1 · 167 m² | 8.2 m · 2 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 9,693 companies in sector 68121 we hold annual accounts for 7,385. 5,035 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
Founded08-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Scores and ratios are computed by Checked and are not a credit decision.