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Generated 17-07-2026
Active BE 0792.402.304Private limited company

Agoya

Vredesplein(SDB) 22 ·9630 Zwalm, Belgium· 3 yrs active
Sector: Computer programming & consultancy (62900)
Conclusion Checked

The computed 12-month bankruptcy probability of Agoya is 0.6% (low). The 2025 annual accounts show equity of €56k and a net result of €19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 170 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €56k
Net result €19k
Staff (FTE) 3.1
Better than sector 34%
Snowflake analysis 5 axes · computed by Checked
Health65Profitability100Solvency28Growth78Stability94
73 / 100

Strong profile, led by profitability.

Health 65
Profitability 100
Solvency 28
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Multiple establishment units +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2025 · computed
65 / 100 Healthy
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview4 NBB filings
Annual accounts filed on 22-04-2026 with the NBB · fiscal year 2025 · verkort
€0€50k€100k€150kOperating result 2022: €17k€17kNet result 2022: €13k€13kOperating result 2023: €145k€145kNet result 2023: €113k€113kOperating result 2024: €91k€91kNet result 2024: €74k€74kOperating result 2025: €25k€25kNet result 2025: €19k€19k2022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile Too volatile to project: the yearly deviation from the trend is ~53% of the level (threshold 35%). We therefore deliberately show no projection line.
€0€50k€100k€150k€200k2022: €15k2023: €126k2024: €201k2025: €56k2022202320242025
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 18.8% 36.1%
better than 34% of 170 sector peers
Net result €19k €29k
better than 41% of 170 sector peers
Equity €56k €97k
better than 41% of 170 sector peers
Gross operating margin €220k €90k
better than 64% of 170 sector peers
Staff costs €185k €350k
higher than 35% of 82 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€34k
-64.4% +5% vs sector
Net profit
€19k
-74.0% +14% vs sector
Cash flow
€28k
-64.9% +12% vs sector
Total assets
€299k
-19.3% -38% vs sector
Equity
€56k
-71.9% -50% vs sector
Working capital
€39k
-79.0% far above sector median
Employees (FTE)
3
+55.0% -23% vs sector
Staff costs
€185k
+24.4% -12% vs sector
Income taxes
€7k
-63.3% +30% vs sector
Dividends
€164k
- far above sector median
Debt
€243k
+42.8% -20% vs sector
Debt ≤ 1y
€187k
+10.1% +67% vs sector
Debt > 1y
€56k
- -46% vs sector
Current ratio
1.21
-42.0% +16% vs sector
Quick ratio
1.21
-42.0% +16% vs sector
Solvency
18.8%
-65.2% -37% vs sector
Debt / equity
4.31
+408.8% +84% vs sector
ROE
34.4%
-7.2% +149% vs sector
ROA
6.5%
-67.7% +83% vs sector
Interest coverage
12.05
-96.6% -28% vs sector
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA€34k
Net profit€19k
Cash flow€28k
Staff costs€185k
Income taxes€7k
Dividends€164k
Total assets€299k
Equity€56k
Debt€243k
of which ≤ 1y€187k
of which > 1y€56k
Working capital€39k
Employees (FTE)3.1
Ratios (computed)
2025
Current ratio1.21
Quick ratio1.21
Working capital ratio12.9%
Solvency18.8%
Debt / equity4.31
Long-term debt ratio0.99
Interest coverage12.05
Gross margin-
Net margin-
ROA6.5%
ROE34.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€299k
Fixed assets 21/28€73k
Tangible fixed assets 22/27€57k
Financial fixed assets 28€16k
Current assets 29/58€226k
Amounts receivable within one year 40/41€138k
Cash & bank 54/58€81k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€299k
Equity 10/15€56k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€53k
Amounts payable 17/49€243k
Amounts payable after one year 17€56k
Amounts payable within one year 42/48€187k
Trade debts payable within one year 44€71k
Income statement
Gross operating margin 9900€220k
Operating result 9901€25k
Financial income 75€4k
Financial charges 65€3k
Result before taxes 9903€27k
Income taxes 67/77€7k
Net result for the period 9904€19k
Result to be appropriated 9905€19k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Computer programming & consultancy(62900)
Legal form Private limited company(610)
Incorporation13-10-2022
StatusActive
Postal code9630
Establishment units 2 locations
Agoya
Vredesplein(SDB) 22, 9630 ZwalmOntwerpen en programmeren van computerprogramma's
since 20222.337.569.643
Oudstrijdersstraat 76, 9700 Oudenaarde
Ontwerpen en programmeren van computerprogramma's
since 20242.366.938.570
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
45046B0501/00L000 Flanders 313 m² 1 · 85 m² 8.5 m · 2 fl.
45503A0353/00D000 Flanders 267 m² 1 · 237 m² 9.7 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
22-04-2026
NBB filing Annual accounts filed
fiscal year 2025 · verkort
2025
24-03-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
10-03-2025
State Gazette act Director changes
2024
08-04-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
20-03-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
10-03-2025 2 directors appointed, 2 resigning Director changes
  • BV Martijn Bauters, Bestuurder
  • BV Martijn Bauters, Dagelijks bestuur
  • Martijn Bauters, Bestuurder
  • Martijn Bauters, Dagelijks bestuur
Technical details 
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Computerconsultancy-activiteiten62020Overige diensten op het gebied van informatietechnologie en computer62090Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Overige diensten op het gebied van informatietechnologie en computer62900
Primary activity highlighted.
Names & trade names
Legal nameNL Agoya
Registered office
Vredesplein(SDB) 22 bus 2
9630 Zwalm, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative