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AGT & FILS

Active
Private limited companyfounded 2023active for 3 yearsBormenville(F) 6, 5370 Havelange, BelgiumKBO/BCE: BE 1000.337.244

From the official registers: KBO 2 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The computed 12-month bankruptcy probability of AGT & FILS is 3.2% (moderate). The 2025 annual accounts show equity of €27,842 and a net result of €12,347. Its solvency ranks better than 53% of 34,902 sector peers (NACE 43, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

KBO
Status
Active since 26-09-2023 Normal situation
Activity
Roofing work NACE 43410and 1 other
Establishment unit
2.350.262.587 5100 Namur, since 26-09-2023
Financial year end
31 December
Peppol
Reachable since 23-11-2025

Board and ownership

Board

Financial position

51 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
3.2%
Annual accounts 2025
Gross margin
€56,420
▲ 13.7%
Turnover
≈ €240,000
estimated
Profit
€12,347
▲ 17.7%
Equity
€27,842
▲ 79.7%
Total assets
€56,403
▼ 2.2%
Staff
≈ 0.6 FTE
estimated
Filed on 19-06-2026, 42 days before the deadlineat the National Bank
Score breakdownraises riskFounded in 20231 change of registered office in 24 monthsLiquidity: current ratio 1.16, cash €596, halvedlowers riskFigures for financial year 2025 (filed on 19-06-2026)Show the evidence

Checked score

Score 2025
51 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 60% of micro companies in specialised construction (NACE 43)
Financial strength · tick: 2024
Strong
Solvency 74+22
equity 49.4% of total assets
Liquidity 26+10
short-term debt 50.3% · cash 1.1%
Profitability 96+4
return on assets 21.9%
Bankruptcy probability within 12 months
3.2% Moderate
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.7% (47,675 companies, NACE 43, micro)
Last 24 months 11-2024: 1.9%lowest value 12-2024: 1.9%● unchanged vs 11-2024 01-2025: 4.3%▲ +2.4 percentage points vs 12-2024 02-2025: 4.5%▲ +0.2 percentage points vs 01-2025 03-2025: 4.9%▲ +0.4 percentage points vs 02-2025 04-2025: 4.9%● unchanged vs 03-2025 05-2025: 5.1%▲ +0.2 percentage points vs 04-2025 06-2025: 5.2%▲ +0.1 percentage points vs 05-2025highest value 07-2025: 5.1%▼ -0.1 percentage points vs 06-2025 08-2025: 3.0%▼ -2.1 percentage points vs 07-2025 09-2025: 3.1%▲ +0.1 percentage points vs 08-2025 10-2025: 3.1%● unchanged vs 09-2025 11-2025: 3.1%● unchanged vs 10-2025 12-2025: 3.1%● unchanged vs 11-2025 01-2026: 3.1%● unchanged vs 12-2025 02-2026: 3.1%● unchanged vs 01-2026 03-2026: 3.1%● unchanged vs 02-2026 04-2026: 3.8%▲ +0.7 percentage points vs 03-2026 05-2026: 4.3%▲ +0.5 percentage points vs 04-2026 06-2026: 4.2%▼ -0.1 percentage points vs 05-2026 07-2026: 3.2%▼ -1.0 percentage point vs 06-2026 08-2026: 3.2%● unchanged vs 07-2026 09-2026: 3.2%● unchanged vs 08-2026 10-2026: 3.2%● unchanged vs 09-2026
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.16 (0.44 in 2024), below the usual 1.5. Short-term debt is 50.3% and cash 1.1% of total assets. 50.6% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 54% of them on solvency, 15% on liquidity, 82% on profitability and 89% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Founded in 2023
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Figures for financial year 2025 (filed on 19-06-2026)
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Liquidity: current ratio 1.16, cash €596, halved
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-06-2026, 42 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
42 days early
2024
3 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 2 accounts on average 23 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2023.
KBO publications

Comparable companies

These companies have the same main activity as AGT & FILS: roofing work (NACE 43410). They are comparable in size and age: total assets between €51,200 and €68,000, founded between 2023 and 2024.

CompanyTotal assetsGross margin
AGT & FILS Havelange€56,403€56,420
TOITURE DZ Ternat€51,157€53,930
Dakwerken Bogaerts Zandhoven€57,051€45,272
Totaal Concept Sint-Niklaas€61,928€45,000
Be-Hout Kruisem€54,210€44,069
Dam Dak Genk€68,021€59,150
Ulenaers Lummen€58,236€44,412
Full comparison

Documents

Annual accounts at the NBB

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about AGT & FILS

What is the company number of AGT & FILS?
The company number of AGT & FILS is 1000.337.244. The VAT number is the same number with BE in front: BE 1000.337.244.
Where is AGT & FILS based?
The registered office is at Bormenville(F) 6, 5370 Havelange.Company details
What does AGT & FILS do?
According to the KBO register, the main activity is roofing work (NACE 43410).
What is the legal form of AGT & FILS?
The legal form of AGT & FILS is Private limited company (BV).
When was AGT & FILS founded?
AGT & FILS was founded on 26-09-2023.
Is AGT & FILS still active?
Yes, AGT & FILS is an active enterprise in the KBO register.
What is the turnover of AGT & FILS?
The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €56,420 and 30 comparable companies (NACE 434). It probably lies between €150,000 and €330,000.Financials
Is AGT & FILS profitable?
In financial year 2025, AGT & FILS made a profit of €12,347.
Where can I find the annual accounts of AGT & FILS?
AGT & FILS filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of AGT & FILS due?
AGT & FILS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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