AGREMAN
ActiveAGREMAN has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €105k and a net result of €-10k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 95% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 30.4 against 51.77 in 2023), and 3.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
96.5%
Return on assets
-9%
Age of the figures
20 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€10k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-06-2025, 45 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
45 d early
2023
47 d early
2022
54 d early
2021
52 d early
2020
54 d early
2019
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€105k▼ 8.5%
2023 · €115k
2018: €102k
2019: €72k
2020: €72k
2021: €72k
2022: €117k
2023: €115k
2018 → 2024
Total assets
€109k▼ 7.3%
2023 · €117k
2018: €116k
2019: €174k
2020: €160k
2021: €179k
2022: €169k
2023: €117k
2018 → 2024
Net result
€-10k▼ 403%
2023 · €-2k
2018: €67k
2019: €70k
2020: €75k
2021: €90k
2022: €45k
2023: €-2k
2018 → 2024
Working capital
€101k▼ 10.8%
2023 · €114k
2018: €97k
2019: €30k
2020: €41k
2021: €51k
2022: €105k
2023: €114k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€72k-€72k▲ 0.2%€117k▲ 61.7%€115k▼ 1.7%€105k▼ 8.5%
Operating result€95k-€115k▲ 20.9%€57k▼ 50.8%€-971€-9k▼ 864%
Net result€75k-€90k▲ 19.7%€45k▼ 50.6%€-2k€-10k▼ 403%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2024 against €971 in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €109k
Fixed assets
€4k▲ 190%
Current assets
€105k▼ 9.6%
Equity and liabilities €109k
Equity
€105k▼ 8.5%
Debt
€4k▲ 46.4%
The debt ratio rises from 2.2% to 3.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-8k▼
2023 · €10k
Cash flow
€-8k▼
2023 · €9k
Solvency
96.5%▼
2023 · 97.8%
Current ratio
30.40▼
2023 · 51.77
Quick ratio
30.40▼
2023 · 51.77
Debt / equity
0.04▲
2023 · 0.02
ROE
-9.3%▼
2023 · -1.7%
ROA
-9.0%▼
2023 · -1.7%
Interest coverage
-139.59▼
2023 · 204.12
Debt
€4k▲
2023 · €3k
Debt ≤ 1 year
€3k▲
2023 · €2k
Income taxes
€388▼
2023 · €925
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€117k€109k▼
Fixed assets21/28€1k€4k▲
Tangible fixed assets22/27€1k€4k▲
Furniture and vehicles24€1k€4k▲
Current assets29/58€116k€105k▼
Amounts receivable within one year40/41€1k€3k▲
Trade receivables40€318€544▲
Other amounts receivable41€1k€3k▲
Cash at bank and in hand54/58€115k€101k▼
Equity and liabilities
Total equity and liabilities10/49€117k€109k▼
Equity10/15€115k€105k▼
Contributions10/11€19k€19k=
Reserves13€96k€86k▼
Distributable reserves133€96k€86k▼
Amounts payable17/49€3k€4k▲
Amounts payable within one year42/48€2k€3k▲
Trade debts44€485€2k▲
Suppliers440/4€485€2k▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€520€314▼
Remuneration and social security454/9€1k€1k▲
Accrued charges and deferred income492/3€370€370=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€2k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€11k€-6k▼
Operating profit (loss)9901€-971€-9k▼
Financial charges65/66B€50€54▲
Recurring financial charges65€50€54▲
Profit (loss) for the period before taxes9903€-1k€-9k▼
Income taxes67/77€925€388▼
Profit (loss) for the period9904€-2k€-10k▼
Profit (loss) for the period to be appropriated9905€-2k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-10k▼
Transfer from equity791/2€2k€10k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 17current ratio 51.77
Current ratio from 3.01 to 51.77; short-term debt falls from €52k to €2k.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 3.01
Current ratio from 1.48 to 3.01; short-term debt falls from €107k to €52k.
31-12
Financial
Equity above €100kEq €117k ▲61.7%
5 profitable years in a row build equity to €117k.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €90k ▲19.7%
Operating result €115k, net result €90k, both a record.
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zwevegem · 1 establishment unit since 2016
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Bekaertstraat(Z) 448550 ZwevegemGround area
640 m²
Building footprint
107 m²
Volume, LiDAR
617 m³
Parcel 34042A0227/00Z000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bekaertstraat(Z) 44, 8550 Zwevegem
since 20162.258.931.347
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34042A0227/00Z000 | Flanders | 640 m² | 1 · 107 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,884 companies in sector 62200 we hold annual accounts for 18,321. 15,500 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2016
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.