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AGORA 45

Active
Private limited companyfounded 201610 yrs activeLescours 28, 4653 Herve, BelgiumKBO/BCE: BE 0648.984.240
Summary

The computed 12-month bankruptcy probability of AGORA 45 is 2.7% (moderate). The 2024 annual accounts show equity of €250,076 and a net result of €33,993. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 49% of 9525 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
AGORA 45ActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Other business support services
NACE 82990
1 site
Size
€501,658total assets 2024
Equity
€250,076
Profit
€33,993
Turnover not published (abridged schema)
Financial health
53 Fair Checked score 2024
Bankruptcy chance 12 m
2.7%
Structure
Accounts 66 d overdue0 of 3 deeds read
Why 53- Liquidity: current ratio 4.35- Figures for FY 2024 (filed 29-09-2025)- 1 financial year not filed after the legal deadline; latest accounts 60 days late; 3 of the last 3 late+ Sector Office administrative, office support and other business support activities (NACE 82)Show the evidence

Checked score

Score 2024
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 64% of its sector peers (NACE 82, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Strong
Solvency 75+8
equity 49.8% of total assets
Liquidity 98+46
short-term debt 11.4%
Profitability 77+8
return on assets 6.8%
Bankruptcy probability, 12 months
2.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,603 companies)
Last 24 months 11-2024: 0.8% 12-2024: 0.8%▼ -0.7% vs 11-2024 01-2025: 0.8%▼ -1.4% vs 12-2024lowest value 02-2025: 0.8%▲ +1.0% vs 01-2025 03-2025: 0.8%▼ -0.7% vs 02-2025 04-2025: 0.8%▲ +2.0% vs 03-2025 05-2025: 0.9%▲ +3.5% vs 04-2025 06-2025: 0.8%▼ -1.8% vs 05-2025 07-2025: 0.8%● 0.0% vs 06-2025 08-2025: 1.1%▲ +36.4% vs 07-2025 09-2025: 1.3%▲ +13.5% vs 08-2025 10-2025: 1.6%▲ +26.1% vs 09-2025 11-2025: 1.6%● 0.0% vs 10-2025 12-2025: 1.6%● 0.0% vs 11-2025 01-2026: 1.6%● 0.0% vs 12-2025 02-2026: 1.6%● 0.0% vs 01-2026 03-2026: 1.6%▲ +0.6% vs 02-2026 04-2026: 1.6%▼ -2.1% vs 03-2026 05-2026: 1.5%▼ -3.4% vs 04-2026 06-2026: 1.5%▼ -3.8% vs 05-2026 07-2026: 1.4%▼ -7.6% vs 06-2026 08-2026: 1.7%▲ +26.9% vs 07-2026 09-2026: 1.9%▲ +10.2% vs 08-2026 10-2026: 2.7%▲ +39.0% vs 09-2026highest value
  • Liquidity: current ratio 4.35 raises the probability
  • Figures for FY 2024 (filed 29-09-2025) raises the probability
  • 1 financial year not filed after the legal deadline; latest accounts 60 days late; 3 of the last 3 late raises the probability
  • Sector Office administrative, office support and other business support activities (NACE 82) lowers the probability
Credit up to €13,000 at 30 days acceptable
Liquidity ample (current ratio 4.35 against 4.41 in 2023; short-term debt: 11.4% of total assets), but 50.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 82, micro). Better than this share of them on solvency 51%, liquidity 93%, profitability 48%, growth against the median 62%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 4.35
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Figures for FY 2024 (filed 29-09-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; latest accounts 60 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Sector Office administrative, office support and other business support activities (NACE 82)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024
Equity per financial year
18192021222324
2018 to 2024 · latest year €250,076
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 filings
Deviation from the deadline
2025
not confirmed
2024
60 d late
2023
66 d late
2022
31 d late
2021
31 d late
2020
61 d late
2019
82 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 55 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Annual accounts filedfiscal year 2023 · micro…
  3. Back to profitnet €1,703

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 66 d late View
  • Positive: Among the best 18% on equitysector median €56,820 · 9,542 companies €250,076 View
  • Total assets 20246 fiscal years filed €501,658 View

By topic

Financials

Fiscal year
2024
Total assets
€501,658
Profit
€33,993
Solvency
49.8%
Total assets▼ 1.8%
Net result
20182024
Go to Financials

Timeline

Events
12
Since
2017
  1. 29-09-2025Annual accounts filed
  2. 05-10-2024Annual accounts filed
  3. 31-12-2023Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other business support servicesNACE 82990
Founded
25-02-2016
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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