AGORA CONCEPT
ActiveThe file of AGORA CONCEPT contains 2 historical bankruptcy publications and 1 administrative flag, as published in the Belgian State Gazette.
Summary
The computed 12-month bankruptcy probability is 8.2% (elevated). The 2024 annual accounts show equity of €146,457 and a net result of -€5,771. Equity is growing by ~55.3% per year across the filed fiscal years. Its solvency ranks better than 39% of 36378 sector peers (fiscal year 2024).
Checked score
Score 2024
Axes · tick = 2023
Profitability49▼-38
Solvency62▼-6
Growth35▼-17
Track record77
Bankruptcy probability, 12 months
8.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.4 against 0.85 in 2023; short-term debt: 27.6% of total assets), and 62.9% of the assets are financed with debt.
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Signals
Nine signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
37.1%
Return on assets
-1.5%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
9 d early
2022
112 d late
2021
43 d late
2020
307 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 96 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
History
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Financials · fiscal year 2024, micro schema
Turnover
€310,192▼ 51.0%
2020 · €632,402
EBIT margin
2.3%▼ 4.7pp
2020 · 6.9%
Net result
-€5,771
2023 · €52,414
Working capital
€43,654
2023 · -€18,852
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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
Line20202021202220232024
Turnover€632,402-€310,192▼ 51.0%
Operating result€43,859-€6,980▼ 84.1%-€848€83,436€1,080▼ 98.7%
Net result€35,388above the sector's middle half-€1,673within the sector's middle half▼ 95.3%€2,752within the sector's middle half▲ 64.5%€52,414above the sector's middle half▲ 1,805%-€5,771below the sector's middle half
EBIT margin6.9%-2.3%▼ 4.7pp
Equity€35,389within the sector's middle half-€37,062within the sector's middle half▲ 4.7%€99,814within the sector's middle half▲ 169%€152,228above the sector's middle half▲ 52.5%€146,457above the sector's middle half▼ 3.8%
Total assets€185,686within the sector's middle half-€319,931above the sector's middle half▲ 72.3%€378,857above the sector's middle half▲ 18.4%€352,062above the sector's middle half▼ 7.1%€394,627above the sector's middle half▲ 12.1%
Debt€150,297-€282,869▲ 88.2%€279,043▼ 1.4%€199,834▼ 28.4%€248,171▲ 24.2%
Working capital-€28,595below the sector's middle half--€57,504below the sector's middle half▼ 101%€28,698within the sector's middle half-€18,852below the sector's middle half€43,654within the sector's middle half
Solvency19.1%below the sector's middle half-11.6%below the sector's middle half▼ 7.5pp26.3%within the sector's middle half▲ 14.8pp43.2%within the sector's middle half▲ 16.9pp37.1%within the sector's middle half▼ 6.1pp
Current ratio0.79below the sector's middle half-0.79below the sector's middle half=1.10below the sector's middle half▲ 0.310.85below the sector's middle half▼ 0.251.40within the sector's middle half▲ 0.55
Return on assets (ROA)19.1%above the sector's middle half-0.5%below the sector's middle half▼ 18.5pp0.7%below the sector's middle half▲ 0.2pp14.9%within the sector's middle half▲ 14.2pp-1.5%below the sector's middle half▼ 16.4pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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 2024; 2024 is 99% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €394,627
Fixed assets
€242,246 =
Current assets
€152,381 ▲ 38.7%
Equity and liabilities €394,627
Equity
€146,457 ▼ 3.8%
Debt
€248,171 ▲ 24.2%
Debt's share of the balance-sheet total rises from 56.8% to 62.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€26,675▼
2023 · €109,031
Cash flow
€19,824▼
2023 · €78,008
Quick ratio
1.05▲
2023 · 0.73
Debt to equity
1.69▲
2023 · 1.31
ROE
-3.9%▼
2023 · 34.4%
Interest coverage
3.89▼
2023 · 17.31
Debt ≤ 1 year
€108,727▼
2023 · €128,722
Debt > 1 year
€139,444▲
2023 · €71,112
Staff costs
€900
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,441 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 90% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a small loss
2.3%
went bankrupt
7.5%
stopped otherwise
90%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 8.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
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 3,441 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €632,402 | €310,192 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €570,217 | €272,732 | - | - | - | - |
| Remuneration, social security and pensions62 | - | €714 | - | - | €900 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,042 | €28,582 | €27,286 | €25,595 | €25,595 | = |
| Other operating charges640/8 | €9,284 | €1,184 | €5,376 | €250 | €4,926 | ▲ 1,870% |
| Non-recurring operating charges66A | - | - | €1,000 | - | - | - |
| Gross operating margin9900 | €62,185 | €37,460 | €32,814 | €109,281 | €32,500 | ▼ 70.3% |
| Operating profit (loss)9901 | €43,859 | €6,980 | -€848 | €83,436 | €1,080 | ▼ 98.7% |
| Financial income75/76B | €230 | €71 | €0 | - | - | - |
| Recurring financial income75 | €230 | €71 | €0 | - | - | - |
| Financial charges65/66B | €2,361 | €5,378 | €1,991 | €6,299 | €6,851 | ▲ 8.8% |
| Recurring financial charges65 | €2,361 | €5,378 | €1,991 | €6,299 | €6,851 | ▲ 8.8% |
| Profit (loss) for the period before taxes9903 | €41,729 | €1,673 | -€2,839 | €77,137 | -€5,771 | ▼ 107% |
| Income taxes67/77 | €6,341 | - | -€5,591 | €24,724 | - | - |
| Profit (loss) for the period9904 | €35,388 | €1,673 | €2,752 | €52,414 | -€5,771 | ▼ 111% |
| Profit (loss) for the period to be appropriated9905 | €35,388 | €1,673 | €2,752 | €52,414 | -€5,771 | ▼ 111% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €185,686 | €319,931 | €378,857 | €352,062 | €394,627 | ▲ 12.1% |
| Formation expenses20 | €2,088 | €1,044 | €0 | - | - | - |
| Fixed assets21/28 | €74,458 | €102,284 | €76,043 | €242,192 | €242,246 | = |
| Tangible fixed assets22/27 | €72,458 | €100,784 | €74,543 | €239,892 | €239,946 | = |
| Plant, machinery and equipment23 | - | - | - | €190,944 | €215,944 | ▲ 13.1% |
| Furniture and vehicles24 | €72,458 | €100,784 | €74,543 | €48,948 | €24,002 | ▼ 51.0% |
| Financial fixed assets28 | €2,000 | €1,500 | €1,500 | €2,300 | €2,300 | = |
| Current assets29/58 | €109,140 | €216,603 | €302,814 | €109,870 | €152,381 | ▲ 38.7% |
| Stocks and contracts in progress3 | - | €43,550 | €43,550 | €15,500 | €38,060 | ▲ 146% |
| Stocks30/36 | - | €43,550 | €43,550 | €15,500 | €38,060 | ▲ 146% |
| Amounts receivable within one year40/41 | €101,229 | €156,739 | €227,038 | €94,370 | €114,280 | ▲ 21.1% |
| Trade receivables40 | €101,187 | €139,896 | €227,038 | €94,012 | €105,692 | ▲ 12.4% |
| Other amounts receivable41 | €43 | €16,844 | - | €358 | €8,587 | ▲ 2,301% |
| Cash at bank and in hand54/58 | €7,911 | €15,814 | €32,149 | - | - | - |
| Deferred charges and accrued income490/1 | - | €499 | €78 | - | €42 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €185,686 | €319,931 | €378,857 | €352,062 | €394,627 | ▲ 12.1% |
| Equity10/15 | €35,389 | €37,062 | €99,814 | €152,228 | €146,457 | ▼ 3.8% |
| Contributions10/11 | €1 | €1 | €60,001 | €60,001 | €60,001 | = |
| Capital10 | €1 | €1 | €60,001 | - | - | - |
| Issued capital100 | €1 | €1 | €60,001 | - | - | - |
| Profit (loss) carried forward14 | €35,388 | €37,061 | €39,813 | €92,227 | €86,456 | ▼ 6.3% |
| Amounts payable17/49 | €150,297 | €282,869 | €279,043 | €199,834 | €248,171 | ▲ 24.2% |
| Amounts payable after more than one year17 | €12,562 | €8,762 | €4,927 | €71,112 | €139,444 | ▲ 96.1% |
| Financial debts170/4 | €12,562 | €8,762 | €4,927 | €71,112 | €139,444 | ▲ 96.1% |
| Amounts payable within one year42/48 | €137,735 | €274,107 | €274,116 | €128,722 | €108,727 | ▼ 15.5% |
| Current portion of amounts payable after more than one year42 | €3,706 | €3,800 | €3,835 | €23,831 | €8,103 | ▼ 66.0% |
| Financial debts43 | - | - | - | €17,091 | €6,203 | ▼ 63.7% |
| Credit institutions430/8 | - | - | - | €17,091 | €6,203 | ▼ 63.7% |
| Trade debts44 | €63,875 | €112,703 | €144,357 | €13,348 | €10,148 | ▼ 24.0% |
| Suppliers440/4 | €63,875 | €112,703 | €144,357 | €13,348 | €10,148 | ▼ 24.0% |
| Advances received on contracts in progress46 | €1,185 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €68,641 | €66,810 | €53,370 | €40,435 | €35,263 | ▼ 12.8% |
| Taxes450/3 | €68,641 | €66,810 | €53,370 | €40,435 | €35,263 | ▼ 12.8% |
| Other amounts payable47/48 | €328 | €90,795 | €72,553 | €34,017 | €49,010 | ▲ 44.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €35,388 | €1,673 | €2,752 | €52,414 | -€5,771 | ▼ 111% |
| + Depreciation and write-downs630 | €9,042 | €28,582 | €27,286 | €25,595 | €25,595 | = |
| Operating cash flow (approximation) | €44,429 | €30,255 | €30,038 | €78,008 | €19,824 | ▼ 74.6% |
| Investment in fixed assets (approximation) | - | -€56,409 | -€1,044 | -€191,744 | -€25,649 | ▲ 86.6% |
| Change in cash | - | €7,904 | €16,334 | - | - | - |
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
2026
01-09
State Gazette act
Registered office · End & cessationCourt decision · Director discharge · Registered-office move5 facts ▸
State Gazette act
Registered office · End & cessation
Court decision · Director discharge · Registered-office move5 facts ▸
- Court decision, 07-07-2026
- Other statement, La SRL Agora Concept est dès lors remise à la tête de ses affaires
- Director discharge, Catherine HUPEZ (liquidateur judiciaire)
- Registered-office move, Boulevard Sainctelette, 39 à 7000 Mons
- Director in office, Samuel LO GIUDICE (managing director)
24-08
KBO administration
Address struck
event 23-06-2026
08-07
Bankruptcy
Judicial dissolution, liquidator appointed
Tribunal de l’entreprise du Hainaut, division Mons · liquidator: Hupez Catherine · event 22-06-2026
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet -€5,771
Net result drops to -€5,771, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €52,414 ▲1,805%
Operating result €83,436, net result €52,414, both a record.
31-12
Financial
Equity above €150,000Eq €152,228 ▲52.5%
4 profitable years in a row build equity to €152,228.
20-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 112 days late
2022
27-10
Bankruptcy
Bankruptcy reversal
Tribunal de l’entreprise du Hainaut, division Mons · event 17-10-2022
16-09
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Mons · event 12-09-2022
12-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 43 days late
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 307 days late
SignalFinancial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Mons · 1 establishment unit since 2019
Ground area
2,595 m²
Building footprint
606 m²
Volume, LiDAR
11,095 m³
2 parcels, Wallonia · tallest building 25.0 m, ±7 floors. Linked by address, not a title deed.
71
companies at this address
See who is registered here
1 establishment unit
AGORA CONCEPT
since 20192.291.891.650
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0025/00G054 | Wallonia | 1,618 m² | 1 · 516 m² | 24.9 m · 7 fl. |
| 53032B0111/00S000 | Wallonia | 977 m² | 1 · 90 m² | - |
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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | TONY BELLAVIA AVENUE DES EXPOSITIONS, 8A,
7000 MONS- .
Date provisoire de cessation de paiement : 12/09/2022 |
12-09-2022 → 17-10-2022 |
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Of 15,524 companies in sector 43990 we hold annual accounts for 7,429. 6,086 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
Founded21-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
Contact
E-mail
agorapiscines@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0728743578
Also
9925:BE0728743578
Registered
08-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.