Higher solvency than 95% of companies in financial services. Sector median 50.9% · 9,770 companies.
Financial institution: outside the modelBankruptcy probability: sector outside the model
Checked score
Outside the general model
Checked score
The higher the Checked score (0 to 100), the smaller the chance that the company goes bankrupt within twelve months. That chance sets the band, from Critical to Excellent, and within the band how the company does against its sector peers counts too. With a low score, agree a shorter payment term, an advance or security.
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
Bankruptcy probability
It is the chance that the company goes bankrupt within twelve months, estimated from the registers, the annual accounts and the Belgian Official Gazette. At 0.2%, about 2 in 1,000 comparable companies go bankrupt. The higher it is, the shorter the payment term to agree.
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
raises risk
raises risk · 2025 accounts filed 16 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-08-2026, 16 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 15 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% 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 28 July (3 of the last 3 accounts filed within 53 days either side of that date).
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0799345722
Incorporation
Founders: VLAEMMINCK Stéphane Jean-Pierre Jacques Paul and VAN dER BIEST Lieve Raymonda Esther · 36 shares · Appointment: VLAEMMINCK Stéphane Jean-Pierre Jacques Paul (director) · published on 13-03-2023 · Gazette deed
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
These companies have the same main activity as Agolis: other financial services (NACE 64999). They are comparable in size and age: total assets between €400,000 and €844,000, founded between 2021 and 2024.
Small companies may file abbreviated or micro-format accounts. They often leave out revenue and other detail. The law allows it, so it is not missing data.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance sheet
balance sheet total €750,116 on 31-12-2025
What the company ownsHow it is paid for
in euro
in euro
Position in the sector
Sector peers
Sector peers are the companies with the same activity (NACE code) and, where stated, the same size, that the company is compared with. A percentile says how many of them do worse.
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
A company files its annual accounts with the National Bank no later than seven months after its financial year ends. Repeated late filing is a warning sign.
each dot is a set of accounts, on the day it reached the National Bank
2025 annual accounts filed 16 days after the deadline. Filed on 16 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00400428.
per financial year, computed from the annual accounts
Line
Trend
2025
2024
2023
3,225
0
8,348
269,461
-78,158
-
97.4%
94.5%
88.9%
39.2%
56.1%
100.0%
38.2%
53.0%
88.9%
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired
Investment
Investment is what the company bought in the financial year in buildings, machinery, software and other fixed assets. Above depreciation, it is building up. Years below it, it is living off what it has.
Item
2025
2024
2023
Tangible fixed assets
€3,225
-
€8,348
€1,889
€1,670
€1,253
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on Agolis
The operating result for 2025 is 5% higher than in 2024 and the highest since 2023. It is the second rise in a row.
Debt's share of the balance-sheet total falls from 5.5% to 2.6%. Equity is higher and debt is lower.
Board & ownership
Board
Directors
Many board changes in a short time are a reason to keep a close eye on the company.
Each bar is one period in a role, from appointment to resignation or to today. An open left edge means the mandate began before its first mention. An open right edge means the mandate ended without a stated end date.
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of May at 10:00
Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
Agolis is linked to other companies through directors or shares. Look especially for linked companies in trouble.
1 current director
Depth
The board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
This companyCompanyDirectorShareholding+N: links not shown yetClick a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Timeline
10 events since 2023
Filings
Financial
2023202420252026
Deadline for the 2026 accounts:
31-07-2027
2026
Annual accounts 2025 filedNBB ↗micro format · 16 days late
2025
Highest result from 2023 to 2025net €286,555 ▲15.2% The operating result of €338,703 and the net result of €286,555 are both a record.
Liquidity doublescurrent ratio 37.99 The current ratio rises from 18.57 to 37.99. Short-term debt falls from €25,002 to €19,569.
Equity above €500,000equity €730,499 ▲64.5% With a profit in every financial year since 2023, equity grows to €730,499.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0799345722
Annual accounts 2024 filedPDFmicro format · 3 days before the deadline
2024
Liquidity more than doubledcurrent ratio 18.57 The current ratio rises from 8.74 to 18.57.
Equity above €200,000equity €443,944 ▲128% With a profit in every financial year since 2023, equity grows to €443,944.
Annual accounts 2023 filedPDFmicro format · 57 days before the deadline
2023
IncorporationFounders: VLAEMMINCK Stéphane Jean-Pierre Jacques Paul and VAN dER BIEST Lieve Raymonda Esther · 36 shares · Appointment: VLAEMMINCK Stéphane Jean-Pierre Jacques Paul (director) · published on 13-03-20235 points ▸
Each sentence rests on a document from the KBO register, the Belgian Official Gazette or the National Bank. The number after the sentence opens that document.
On 9 March 2023, Agolis was incorporated as a private limited company by two natural persons.12VLAEMMINCK Stéphane Jean-Pierre Jacques Paul has served as director since 2023.3Total assets went from €219,377 in 2023 to €750,116 in 2025.4
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
64999Financial service activities, except insurance and pension funding main activity
70220Business consulting
PurposeThe purpose describes the activities the company may carry out under its articles.
“Activiteiten waarvoor de vennootschap niet zelf over de vereiste activiteitenattesten zou beschikken,zullen in onderaanneming worden…”
14 activities
Activiteiten waarvoor de vennootschap niet zelf over de vereiste activiteitenattesten zou beschikken,zullen in onderaanneming worden uitgegeven.
Om haar voorwerp te verwezenlijken,kan de vennootschap samenwerken met,deelnemen in op gelijk welke wijze,rechtstreeks of zijdelings,belangen nemen in ondernemingen van allerlei aard,alle verbintenissen aangaan,kredieten en leningen aangaan en toestaan,zich voor derden borgstellen onder meer door haar goederen in hypotheek of in pand te geven,inclusief de eigen handelszaak.Kortom,zij mag alles doen wat verband houdt met bovengenoemd doel,of wat van aard is de verwezenlijking ervan te bevorderen.
Daartoe mag de vennootschap alle roerende en onroerende,financiële,industriële en commerciële handelingen stellen,die rechtstreeks of onrechtstreeks,geheel of gedeeltelijk met het voorwerp van de vennootschap verband houden of de verwezenlijking ervan vergemakkelijken en/of helpen uitbreiden.
De vennootschap kan alle rechtshandelingen en daden stellen in rechtstreeks of onrechtstreeks verband met haar voorwerp.Zij kan dit doen in België en in het buitenland,en voor eigen rekening en voor rekening van derden.
De vennootschap mag bij wijze van inbreng in speciën of in natura,van fusie,inschrijving,deelneming,financiële tussenkomst of op andere wijze,een aandeel nemen in alle bestaande of op te richten vennootschappen of bedrijven,in de Europese Gemeenschap of het buitenland,waarvan het voorwerp identiek,gelijkaardig of verwant is met het hare,of van aard is de uitoefening van haar voorwerp te bevorderen.Deze lijst is exemplair en niet beperkend.
De vennootschap zal tevens elke onderneming kunnen starten,elke vennootschap kunnen oprichten,een inbreng verrichten in een andere vennootschap,fuseren of met andere vennootschappen samenwerken,alle aandelen,deelbewijzen en andere maatschappelijke rechten kunnen aan- en verkopen of onderschrijven.
Beperking door exclusieve bevoegdheden die de wet aan andere personen voorbehoudt.Activiteiten waarvoor vergunning/attest nodig is of aan nog andere voorschriften moet voldaan zijn zullen slechts mogen uitgeoefend worden nadat de vereiste vergunning/attest ter beschikking zal zijn of aan de desbetreffende voorschriften zal zijn voldaan.Dit alles in de meest ruime zin.
Het verstrekken van elke managementdienst en het uitvoeren van opdrachten als (management) consultant,zowel aan rechts-als natuurlijke personen,alsook aan verenigingen en elke gouvernementele of non-gouvernementele organisatie.
Het opnemen van mandaten zoals onder meer deze van bestuurder,zaakvoerder of vereffenaar in andere vennootschappen of verenigingen.
De organisatie en het geven van theoretische en praktische opleidingen,trainingen,seminars,workshops,vergaderingen,evenementen,feesten,recepties,symposia en congressen voor of aan bedrijven,universiteiten,verenigingen,organisaties en particulieren.Deze lijst is niet limitatief.
Het verstrekken van alle diensten,consultancy en oplossingen met betrekking tot energie,energie gerichte toepassingen en duurzaamheidsoplossingen,waaronder bijvoorbeeld het uitgeven van energieprestatiecertificaten.
Beheer van een eigen roerend en eigen onroerend vermogen:
Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen;alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals de huurfinanciering van onroerende goederen aan derden,het aankopen,verkopen,ruilen,bouwen,verbouwen,onderhouden,verhuren,huren,verkavelen,prospecteren en uitbaten van onroerende goederen;de aan- en verkoop,huur en verhuur van roerende goederen,alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen,alsmede zich borg te stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze roerende en onroerende goederen.
Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend patrimonium,alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals het verwerven door inschrijving of aankoop en het beheren van aandelen,obligaties,kasbons of andere roerende waarden,van welke vorm ook,van Belgische of buitenlandse,bestaande of nog op te richten rechtspersonen en ondernemingen.