LocAgnès
ActiveSummary
LocAgnès has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €196,642 and a net result of €5,929. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 70% of 8115 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability48▼-3
Solvency90▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 2.74 against 2.51 in 2024; short-term debt: 35.4% and cash: 2.4% of total assets), and 35.4% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
64.6%
Return on assets
1.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
30 d early
2024
7 d early
2023
1 d late
2022
11 d late
2021
9 d late
2020
27 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 6 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€5,929▲ 191%
2024 · €2,037
Working capital
€187,709▲ 2.0%
2024 · €184,074
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, 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€70,598▲ 73.6%€113,662▲ 61.0%€115,334▲ 1.5%€8,334▼ 92.8%€12,404▲ 48.8%
Net result€52,107within the sector's middle half▲ 60.3%€87,947within the sector's middle half▲ 68.8%€83,720within the sector's middle half▼ 4.8%€2,037within the sector's middle half▼ 97.6%€5,929within the sector's middle half▲ 191%
Equity€169,950below the sector's middle half▼ 17.3%€157,897below the sector's middle half▼ 7.1%€188,676below the sector's middle half▲ 19.5%€190,713below the sector's middle half▲ 1.1%€196,642within the sector's middle half▲ 3.1%
Total assets€322,693below the sector's middle half▲ 21.7%€413,323below the sector's middle half▲ 28.1%€460,804below the sector's middle half▲ 11.5%€313,776below the sector's middle half▼ 31.9%€304,498below the sector's middle half▼ 3.0%
Debt€152,743▲ 156%€255,426▲ 67.2%€272,128▲ 6.5%€123,063▼ 54.8%€107,856▼ 12.4%
Working capital€155,207▼ 20.6%€143,651▼ 7.4%€175,217▲ 22.0%€184,074▲ 5.1%€187,709▲ 2.0%
Solvency52.7%within the sector's middle half▼ 24.8pp38.2%within the sector's middle half▼ 14.5pp40.9%within the sector's middle half▲ 2.7pp60.8%within the sector's middle half▲ 19.8pp64.6%within the sector's middle half▲ 3.8pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 49% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €304,498
Fixed assets
€8,933 ▲ 13.2%
Current assets
€295,565 ▼ 3.4%
Equity and liabilities €304,498
Equity
€196,642 ▲ 3.1%
Debt
€107,856 ▼ 12.4%
Debt's share of the balance-sheet total falls from 39.2% to 35.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15,862▲
2024 · €11,792
Cash flow
€9,387▲
2024 · €5,495
Current ratio
2.74▲
2024 · 2.51
Quick ratio
0.51▲
2024 · 0.36
Debt to equity
0.55▼
2024 · 0.65
ROE
3.0%▲
2024 · 1.1%
ROA
1.9%▲
2024 · 0.6%
Interest coverage
3.25▼
2024 · 3.78
Debt ≤ 1 year
€107,856▼
2024 · €121,811
Income taxes
€2,223▼
2024 · €3,533
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,047 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 94% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
2.0%
went bankrupt
3.7%
stopped otherwise
94%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,047 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €90 | €6,954 | €39 | €856 | ▲ 2,095% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,620 | €5,607 | €3,480 | €3,458 | €3,458 | = |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €675 | - | - | -€1,291 | - | - |
| Other operating charges640/8 | €1,774 | €2,757 | €2,217 | €903 | €1,653 | ▲ 83.1% |
| Gross operating margin9900 | €77,667 | €122,026 | €121,031 | €11,404 | €17,515 | ▲ 53.6% |
| Operating profit (loss)9901 | €70,598 | €113,662 | €115,334 | €8,334 | €12,404 | ▲ 48.8% |
| Financial income75/76B | €899 | €6,262 | €1,933 | €354 | €623 | ▲ 76.0% |
| Recurring financial income75 | €899 | €6,262 | €1,933 | €354 | €623 | ▲ 76.0% |
| Financial charges65/66B | €5,559 | €7,858 | €2,825 | €3,118 | €4,875 | ▲ 56.4% |
| Recurring financial charges65 | €5,559 | €7,858 | €2,825 | €3,118 | €4,875 | ▲ 56.4% |
| Profit (loss) for the period before taxes9903 | €65,938 | €112,066 | €114,442 | €5,570 | €8,152 | ▲ 46.4% |
| Income taxes67/77 | €13,831 | €24,119 | €30,722 | €3,533 | €2,223 | ▼ 37.1% |
| Profit (loss) for the period9904 | €52,107 | €87,947 | €83,720 | €2,037 | €5,929 | ▲ 191% |
| Profit (loss) for the period to be appropriated9905 | €52,107 | €87,947 | €83,720 | €2,037 | €5,929 | ▲ 191% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €322,693 | €413,323 | €460,804 | €313,776 | €304,498 | ▼ 3.0% |
| Fixed assets21/28 | €16,022 | €17,165 | €13,459 | €7,891 | €8,933 | ▲ 13.2% |
| Tangible fixed assets22/27 | €16,022 | €17,165 | €13,459 | €7,891 | €4,433 | ▼ 43.8% |
| Plant, machinery and equipment23 | - | €5,648 | €4,298 | €2,948 | €1,598 | ▼ 45.8% |
| Furniture and vehicles24 | €13,235 | €9,317 | €7,548 | €3,916 | €2,395 | ▼ 38.8% |
| Other tangible fixed assets26 | €2,787 | €2,200 | €1,613 | €1,027 | €440 | ▼ 57.2% |
| Financial fixed assets28 | - | - | - | - | €4,500 | - |
| Current assets29/58 | €306,671 | €396,158 | €447,345 | €305,885 | €295,565 | ▼ 3.4% |
| Stocks and contracts in progress3 | €192,877 | €262,638 | €379,626 | €262,640 | €240,707 | ▼ 8.4% |
| Stocks30/36 | €192,877 | €262,638 | €379,626 | €262,640 | €240,707 | ▼ 8.4% |
| Amounts receivable within one year40/41 | €22,891 | €25,952 | €36,046 | €20,262 | €41,874 | ▲ 107% |
| Trade receivables40 | €10,499 | €19,783 | €36,046 | €8,795 | €14,302 | ▲ 62.6% |
| Other amounts receivable41 | €12,392 | €6,169 | - | €11,467 | €27,572 | ▲ 140% |
| Current investments50/53 | €3,200 | €3,200 | €3,200 | €503 | - | - |
| Cash at bank and in hand54/58 | €85,260 | €102,158 | €28,011 | €20,163 | €7,438 | ▼ 63.1% |
| Deferred charges and accrued income490/1 | €2,443 | €2,210 | €462 | €2,317 | €5,546 | ▲ 139% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €322,693 | €413,323 | €460,804 | €313,776 | €304,498 | ▼ 3.0% |
| Equity10/15 | €169,950 | €157,897 | €188,676 | €190,713 | €196,642 | ▲ 3.1% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €151,350 | €139,297 | €170,076 | €170,076 | €170,076 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €149,490 | €137,437 | €168,216 | €168,216 | €168,216 | = |
| Profit (loss) carried forward14 | - | - | - | €2,037 | €7,966 | ▲ 291% |
| Amounts payable17/49 | €152,743 | €255,426 | €272,128 | €123,063 | €107,856 | ▼ 12.4% |
| Amounts payable after more than one year17 | €1,279 | - | - | - | - | - |
| Financial debts170/4 | €1,279 | - | - | - | - | - |
| Amounts payable within one year42/48 | €151,464 | €252,507 | €272,128 | €121,811 | €107,856 | ▼ 11.5% |
| Current portion of amounts payable after more than one year42 | €428 | - | - | - | - | - |
| Trade debts44 | €20,058 | €12,894 | €21,390 | €10,016 | €107,094 | ▲ 969% |
| Suppliers440/4 | €20,058 | €12,894 | €21,390 | €10,016 | €107,094 | ▲ 969% |
| Taxes, remuneration and social security45 | €27,564 | €68,317 | €75,850 | €19,065 | €528 | ▼ 97.2% |
| Taxes450/3 | €23,028 | €50,150 | €57,952 | €13,902 | €5 | ▼ 100.0% |
| Remuneration and social security454/9 | €4,536 | €18,167 | €17,898 | €5,163 | €523 | ▼ 89.9% |
| Other amounts payable47/48 | €103,414 | €171,296 | €174,888 | €92,730 | €234 | ▼ 99.7% |
| Accrued charges and deferred income492/3 | - | €2,919 | - | €1,252 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €52,107 | €87,947 | €83,720 | €2,037 | €5,929 | ▲ 191% |
| + Depreciation and write-downs630 | €4,620 | €5,607 | €3,480 | €3,458 | €3,458 | = |
| Operating cash flow (approximation) | €56,727 | €93,554 | €87,200 | €5,495 | €9,387 | ▲ 70.8% |
| Investment in fixed assets (approximation) | - | -€6,750 | €226 | €2,110 | -€4,500 | ▼ 313% |
| Change in cash | - | €16,898 | -€74,147 | -€7,848 | -€12,725 | ▼ 62.1% |
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €2,037 ▼97.6%
Net result drops to €2,037, the lowest in the series; recovery starts the following year.
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 1 day late
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 11 days late
2022
31-12
Financial
Highest result since 2018net €87,947 ▲68.8%
Net result €87,947, the highest in the series.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 9 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
31-12
Financial
Equity above €200,000Eq €205,442 ▲18.8%
3 profitable years in a row build equity to €205,442.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Equity above €150,000Eq €172,940 ▲52%
2 profitable years in a row build equity to €172,940.
02-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 33 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Soignies · 1 establishment unit since 2016
Ground area
1,838 m²
Building footprint
68 m²
Volume, LiDAR
609 m³
Parcel 55018D1174/00R000, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LocAgnès
since 20162.257.826.339
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55018D1174/00R000 | Wallonia | 1,838 m² | 1 · 68 m² | 11.0 m · 3 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.
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Of 1,805 companies in sector 46831 we hold annual accounts for 1,399. 939 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
Founded14-10-2016
Fiscal year end31-12
Activities, NACEBEL 2025
46831Wholesale of construction materials, general range
47241Retail sale of bread and pastry (bakery outlets)
47521Retail sale of hardware, building materials, paint and glass (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0664635486
Registered
20-11-2020
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.