Summary
Agra-Services is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €53,212 and a net result of €4,247. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 10% of 2463 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2463 sector peers (2025).
NBB · sector comparisonPosition among 2463 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 6 filingsDeviation from the deadline
2025
28 d late
2024
28 d late
2023
27 d late
2022
28 d late
2021
24 d late
2020
18 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 26 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 28 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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Financials · fiscal year 2025, micro schema
Equity
€53,212▲ 8.7%
2024 · €48,966
Net result
€4,247▼ 72.8%
2024 · €15,624
Total assets
€2.6m▲ 306%
2024 · €639,426
Solvency
2.0%▼ 5.6pp
2024 · 7.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance 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
Line20212022202320242025
Operating result-€2,249▲ 17.7%€19,648€10,737▼ 45.4%€23,759▲ 121%€28,853▲ 21.4%
Net result-€3,854below the sector's middle half▼ 39.8%€12,404within the sector's middle half€2,548within the sector's middle half▼ 79.5%€15,624within the sector's middle half▲ 513%€4,247below the sector's middle half▼ 72.8%
Equity€18,389below the sector's middle half▼ 17.3%€30,793below the sector's middle half▲ 67.4%€33,341below the sector's middle half▲ 8.3%€48,966within the sector's middle half▲ 46.9%€53,212within the sector's middle half▲ 8.7%
Total assets€18,389below the sector's middle half▼ 17.3%€569,957within the sector's middle half▲ 2,999%€622,109within the sector's middle half▲ 9.2%€639,426within the sector's middle half▲ 2.8%€2.6mabove the sector's middle half▲ 306%
Debt€539,164€588,768▲ 9.2%€590,461▲ 0.3%€2.5m▲ 331%
Working capital-€41,569below the sector's middle half-€32,948below the sector's middle half▲ 20.7%-€11,009below the sector's middle half▲ 66.6%-€217,668below the sector's middle half▼ 1,877%
Solvency100.0%above the sector's middle half=5.4%below the sector's middle half▼ 94.6pp5.4%below the sector's middle half=7.7%below the sector's middle half▲ 2.3pp2.0%below the sector's middle half▼ 5.6pp
Current ratio0.77below the sector's middle half0.89below the sector's middle half▲ 0.120.97within the sector's middle half▲ 0.080.49below the sector's middle half▼ 0.48
Return on assets (ROA)-21.0%below the sector's middle half▼ 8.6pp2.2%within the sector's middle half▲ 23.1pp0.4%below the sector's middle half▼ 1.8pp2.4%within the sector's middle half▲ 2.0pp0.2%below the sector's middle half▼ 2.3pp
Staff (FTE)3.43▼ 11.8%4▲ 33.3%3.8▼ 5.0%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance 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
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.6m
Fixed assets
€2.4m ▲ 726%
Current assets
€211,091 ▼ 39.8%
Equity and liabilities €2.6m
Equity
€53,212 ▲ 8.7%
Debt
€2.5m ▲ 331%
Debt's share of the balance-sheet total rises from 92.3% to 98.0%. Equity and debt are higher.
Key figures and ratios
ROE
8.0%▼
2024 · 31.9%
Debt ≤ 1 year
€428,759▲
2024 · €361,518
Debt > 1 year
€2.1m▲
2024 · €228,943
Income taxes
€6,856▲
2024 · €4,658
Staff costs
€76,938▼
2024 · €104,473
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €221,865 | €151,544 | €104,473 | €76,938 | ▼ 26.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €71,429 | €71,837 | €72,266 | €163,785 | ▲ 127% |
| Other operating charges640/8 | €402 | €431 | €584 | €701 | €738 | ▲ 5.2% |
| Gross operating margin9900 | -€1,846 | €313,372 | €234,702 | €201,200 | €270,315 | ▲ 34.4% |
| Operating profit (loss)9901 | -€2,249 | €19,648 | €10,737 | €23,759 | €28,853 | ▲ 21.4% |
| Financial income75/76B | - | - | - | €154 | - | - |
| Recurring financial income75 | - | - | - | €154 | - | - |
| Non-recurring financial income76B | - | - | - | €154 | - | - |
| Financial charges65/66B | €1,605 | €4,602 | €3,986 | €3,630 | €17,750 | ▲ 389% |
| Recurring financial charges65 | €1,605 | €4,602 | €3,986 | €3,630 | €17,750 | ▲ 389% |
| Profit (loss) for the period before taxes9903 | -€3,854 | €15,045 | €6,751 | €20,283 | €11,103 | ▼ 45.3% |
| Income taxes67/77 | - | €2,642 | €4,202 | €4,658 | €6,856 | ▲ 47.2% |
| Profit (loss) for the period9904 | -€3,854 | €12,404 | €2,548 | €15,624 | €4,247 | ▼ 72.8% |
| Profit (loss) for the period to be appropriated9905 | -€3,854 | €12,404 | €2,548 | €15,624 | €4,247 | ▼ 72.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €18,389 | €569,957 | €622,109 | €639,426 | €2.6m | ▲ 306% |
| Fixed assets21/28 | - | €428,571 | €359,184 | €288,918 | €2.4m | ▲ 726% |
| Intangible fixed assets21 | - | €428,571 | €357,143 | €285,693 | €214,243 | ▼ 25.0% |
| Tangible fixed assets22/27 | - | - | €2,041 | €1,225 | €2.2m | ▲ 177,143% |
| Land and buildings22 | - | - | - | - | €680,000 | - |
| Leasing and similar rights25 | - | - | - | - | €408 | - |
| Other tangible fixed assets26 | - | - | €2,041 | €1,225 | - | - |
| Assets under construction and advance payments27 | - | - | - | - | €1.5m | - |
| Financial fixed assets28 | - | - | - | €2,000 | €2,000 | = |
| Current assets29/58 | €18,389 | €141,386 | €262,925 | €350,509 | €211,091 | ▼ 39.8% |
| Amounts receivable after more than one year29 | - | - | - | €70,000 | - | - |
| Other amounts receivable291 | - | - | - | €70,000 | - | - |
| Amounts receivable within one year40/41 | - | €33,954 | €61,258 | €105,289 | €73,521 | ▼ 30.2% |
| Trade receivables40 | - | €33,941 | €61,245 | €21,878 | €43,741 | ▲ 99.9% |
| Other amounts receivable41 | - | €13 | €13 | €83,411 | €29,780 | ▼ 64.3% |
| Cash at bank and in hand54/58 | €18,389 | €87,017 | €201,668 | €172,501 | €137,570 | ▼ 20.2% |
| Deferred charges and accrued income490/1 | - | €20,415 | - | €2,720 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €18,389 | €569,957 | €622,109 | €639,426 | €2.6m | ▲ 306% |
| Equity10/15 | €18,389 | €30,793 | €33,341 | €48,966 | €53,212 | ▲ 8.7% |
| Contributions10/11 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Profit (loss) carried forward14 | -€6,611 | €5,793 | €8,341 | €23,966 | €28,212 | ▲ 17.7% |
| Amounts payable17/49 | - | €539,164 | €588,768 | €590,461 | €2.5m | ▲ 331% |
| Amounts payable after more than one year17 | - | €356,209 | €292,895 | €228,943 | €2.1m | ▲ 824% |
| Financial debts170/4 | - | €356,209 | €292,895 | €228,943 | €2.1m | ▲ 824% |
| Amounts payable within one year42/48 | - | €182,955 | €295,873 | €361,518 | €428,759 | ▲ 18.6% |
| Current portion of amounts payable after more than one year42 | - | €62,683 | €63,314 | €63,952 | €243,712 | ▲ 281% |
| Financial debts43 | - | - | - | €4,050 | €4,064 | ▲ 0.3% |
| Credit institutions430/8 | - | - | - | €4,050 | €4,064 | ▲ 0.3% |
| Trade debts44 | - | €69,887 | €20,791 | €2,869 | - | - |
| Suppliers440/4 | - | €69,887 | €20,791 | €2,869 | - | - |
| Taxes, remuneration and social security45 | - | €19,683 | €21,067 | €20,640 | €10,983 | ▼ 46.8% |
| Taxes450/3 | - | €2,642 | €4,202 | €3,900 | €4,468 | ▲ 14.6% |
| Remuneration and social security454/9 | - | €17,041 | €16,865 | €16,740 | €6,515 | ▼ 61.1% |
| Other amounts payable47/48 | - | €30,701 | €190,701 | €270,006 | €170,000 | ▼ 37.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,854 | €12,404 | €2,548 | €15,624 | €4,247 | ▼ 72.8% |
| + Depreciation and write-downs630 | - | €71,429 | €71,837 | €72,266 | €163,785 | ▲ 127% |
| Operating cash flow (approximation) | -€3,854 | €83,832 | €74,385 | €87,891 | €168,032 | ▲ 91.2% |
| Investment in fixed assets (approximation) | - | - | -€2,449 | -€2,000 | -€2.3m | ▼ 112,989% |
| Change in cash | - | €68,627 | €114,651 | -€29,167 | -€34,931 | ▼ 19.8% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2020net €15,624 ▲513%
Net result €15,624, the highest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Back to profitnet €12,404
Net result €12,404 after 2 loss-making years.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Weakest financial yearnet -€3,854
Net result drops to -€3,854, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Andenne · 1 establishment unit since 2019
Ground area
5,995 m²
Building footprint
1,394 m²
2 parcels, Wallonia. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
Agra-Services
since 20192.297.681.758
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92035A0067/00E000 | Wallonia | 4,776 m² | 1 · 1,146 m² | - |
| 92003H0472/00N000 | Wallonia | 1,219 m² | 1 · 248 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.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,340 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
Founded30-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0740588763
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.