AGT Iso-Construct
Open bankruptcyA bankruptcy procedure is open for AGT Iso-Construct according to publications in the Belgian State Gazette; curator: KARL DE RIDDER.
Summary
The 2022 annual accounts show equity of €137,969 and a net result of €21,064.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Hainaut, Charleroi division
- Declared bankrupt
- 27 May 2024
- Supervising judge
- Jean-Francois Hosdain
- Official Gazette
- 03-06-2024 (pdf) ↗search the document for 2024/122508
Deadlines
- Provisional date payments stopped
- 27 November 2023Moved back by judgment of 30 September 2024. Payments and security you received since that day can in some cases be challenged by the curator.art. XX.105, XX.111 and XX.112 CEL
- Appeal or third-party opposition until
- passed on 18 June 2024Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 26 June 2024art. XX.104 and XX.155 CEL
- First verification report
- passed on 24 July 2024Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- passed on 27 May 2025Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Karl De RidderRue Du Parc,49, 6000 Char- Leroi- . Date provisoire de cessation de paiement : 27/05/2024kd@avocats-nemesis.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Two signals.
+raises risk
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Addresses Are there other customers at risk in your own list?List enrichment How is the General construction of residential buildings sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2022, micro schema
Equity
€137,969▲ 22.2%
2021 · €112,904
Total assets
€208,612▲ 79.5%
2021 · €116,204
Net result
€21,064▼ 64.7%
2021 · €59,687
Working capital
€123,042▲ 260%
2020 · €34,198
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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
Line202020212022
Operating result€53,637-€59,925▲ 11.7%€21,409▼ 64.3%
Net result€53,577above the sector's middle half-€59,687above the sector's middle half▲ 11.4%€21,064within the sector's middle half▼ 64.7%
Equity€8,077below the sector's middle half-€112,904above the sector's middle half▲ 1,298%€137,969above the sector's middle half▲ 22.2%
Total assets€156,679within the sector's middle half-€116,204within the sector's middle half▼ 25.8%€208,612within the sector's middle half▲ 79.5%
Debt€148,601-€3,300▼ 97.8%€70,643▲ 2,041%
Working capital€34,198within the sector's middle half-€123,042above the sector's middle half
Solvency5.2%below the sector's middle half-97.2%above the sector's middle half▲ 92.0pp66.1%above the sector's middle half▼ 31.0pp
Current ratio1.29within the sector's middle half-2.74within the sector's middle half
Return on assets (ROA)34.2%above the sector's middle half-51.4%above the sector's middle half▲ 17.2pp10.1%within the sector's middle half▼ 41.3pp
Staff (FTE)1within the sector's middle half-1=
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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 2022; 2022 is 64% below 2021 and is the lowest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €208,612
Fixed assets
€14,927 ▲ 17.5%
Current assets
€193,685 ▲ 87.1%
Equity and liabilities €208,612
Equity
€137,969 ▲ 22.2%
Debt
€70,643 ▲ 2,041%
Debt's share of the balance-sheet total rises from 2.8% to 33.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26,136▼
2021 · €61,040
Cash flow
€25,791▼
2021 · €60,802
Quick ratio
1.87
Debt to equity
0.51▲
2021 · 0.03
ROE
15.3%▼
2021 · 52.9%
Debt ≤ 1 year
€70,643
Income taxes
€345
Staff costs
€84,269▼
2021 · €86,711
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €86,711 | €84,269 | ▼ 2.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €1,115 | €4,726 | ▲ 324% |
| Other operating charges640/8 | - | €190 | €149 | ▼ 21.6% |
| Gross operating margin9900 | €101,921 | €147,941 | €110,553 | ▼ 25.3% |
| Operating profit (loss)9901 | €53,637 | €59,925 | €21,409 | ▼ 64.3% |
| Financial charges65/66B | - | €238 | - | - |
| Recurring financial charges65 | €59 | €238 | - | - |
| Profit (loss) for the period before taxes9903 | €53,577 | €59,687 | €21,409 | ▼ 64.1% |
| Income taxes67/77 | - | - | €345 | - |
| Profit (loss) for the period9904 | €53,577 | €59,687 | €21,064 | ▼ 64.7% |
| Profit (loss) for the period to be appropriated9905 | €53,577 | €59,687 | €21,064 | ▼ 64.7% |
| Line | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €156,679 | €116,204 | €208,612 | ▲ 79.5% |
| Fixed assets21/28 | €2,879 | €12,704 | €14,927 | ▲ 17.5% |
| Tangible fixed assets22/27 | €2,879 | €12,704 | €14,927 | ▲ 17.5% |
| Plant, machinery and equipment23 | - | €1,821 | €8,771 | ▲ 382% |
| Furniture and vehicles24 | - | €10,883 | €6,156 | ▼ 43.4% |
| Current assets29/58 | €153,799 | €103,500 | €193,685 | ▲ 87.1% |
| Stocks and contracts in progress3 | - | €61,293 | €61,293 | = |
| Stocks30/36 | - | €61,293 | €61,293 | = |
| Amounts receivable within one year40/41 | €148,649 | €5,210 | €126,101 | ▲ 2,320% |
| Trade receivables40 | - | €5,210 | €126,101 | ▲ 2,320% |
| Cash at bank and in hand54/58 | €5,151 | €18,757 | €6,291 | ▼ 66.5% |
| Deferred charges and accrued income490/1 | - | €18,240 | €0 | ▼ 100% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €156,679 | €116,204 | €208,612 | ▲ 79.5% |
| Equity10/15 | €8,077 | €112,904 | €137,969 | ▲ 22.2% |
| Contributions10/11 | - | - | €4,000 | - |
| Profit (loss) carried forward14 | €4,077 | €112,904 | €133,969 | ▲ 18.7% |
| Amounts payable17/49 | €148,601 | €3,300 | €70,643 | ▲ 2,041% |
| Amounts payable within one year42/48 | €119,601 | - | €70,643 | - |
| Trade debts44 | €65,257 | - | €70,643 | - |
| Suppliers440/4 | - | - | €70,643 | - |
| Accrued charges and deferred income492/3 | - | €3,300 | - | - |
| Line | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €53,577 | €59,687 | €21,064 | ▼ 64.7% |
| + Depreciation and write-downs630 | - | €1,115 | €4,726 | ▲ 324% |
| Operating cash flow (approximation) | €53,577 | €60,802 | €25,791 | ▼ 57.6% |
| Investment in fixed assets (approximation) | - | -€10,940 | -€6,950 | ▲ 36.5% |
| Change in cash | - | €13,607 | -€12,466 | ▼ 192% |
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
2024
22-11
Bankruptcy
Date of cessation of payments moved back
Tribunal de l’entreprise du Hainaut, division Charleroi · event 30-09-2024
03-06
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Charleroi · event 27-05-2024
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 141 days late
2022
31-12
Financial
Weakest financial yearnet €21,064 ▼64.7%
Net result drops to €21,064, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 179 days late
2021
31-12
Financial
Highest result since 2020net €59,687 ▲11.4%
Operating result €59,925, net result €59,687, both a record.
31-12
Financial
Equity above €100,000Eq €112,904 ▲1,298%
2 profitable years in a row build equity to €112,904.
SignalFinancial 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, Charleroi · 1 establishment unit since 2019
Ground area
827 m²
Building footprint
61 m²
Volume, LiDAR
463 m³
Parcel 52026D0661/00T002, Wallonia · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
AGT Iso-Construct
since 20192.294.207.277
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52026D0661/00T002 | Wallonia | 826 m² | 1 · 61 m² | 10.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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 | KARL DE RIDDER RUE DU PARC,49, 6000 CHAR-
LEROI- .
Date provisoire de cessation de paiement : 27/05/2024 |
27-05-2024 → present |
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Of 29,785 companies in sector 41001 we hold annual accounts for 16,058. 12,786 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
Founded26-09-2019
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43120Site preparation
43230Insulation installation
43910Bricklaying and masonry work
43990Other specialised construction activities
81220Other building cleaning and industrial cleaning
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.