ASSOCIATION DES GENERALISTES DE L'EST FRANCOPHONE DE LA BELGIQUE
ActiveASSOCIATION DES GENERALISTES DE L'EST FRANCOPHONE DE LA BELGIQUE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €335k and a net result of €45k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 28% of 632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
91
/ 100
Excellent▲ +12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+28
Solvency76=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.47 against 3.04 in 2024), but 73.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
26.1%
Return on assets
3.5%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
20 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€45k▲ 62.8%
2024 · €28k
2023: €41k
2024: €28k
2023 → 2025
Working capital
€914k▲ 4.1%
2024 · €878k
2023: €823k
2024: €878k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€324k-€352k▲ 8.6%€335k▼ 4.8%
Operating result€41k-€20k▼ 52.1%€38k▲ 91.1%
Net result€41k-€28k▼ 32.8%€45k▲ 62.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 91% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.28M
Fixed assets
€708▼ 57.1%
Current assets
€1.28M▼ 1.9%
Equity and liabilities €1.28M
Equity
€335k▼ 4.8%
Provisions
€484k▲ 4.0%
Debt
€465k▼ 5.6%
The debt ratio falls from 37.6% to 36.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€39k▲
2024 · €21k
Cash flow
€46k▲
2024 · €29k
Solvency
26.1%▼
2024 · 26.9%
Current ratio
3.47▲
2024 · 3.04
Quick ratio
3.47▲
2024 · 3.04
Debt / equity
1.39▼
2024 · 1.40
ROE
13.5%▲
2024 · 7.9%
ROA
3.5%▲
2024 · 2.1%
Interest coverage
28.42▲
2024 · 25.96
Debt
€465k▼
2024 · €493k
Debt ≤ 1 year
€370k▼
2024 · €431k
Income taxes
€2k
Staff costs
€711k▲
2024 · €663k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.31M€1.28M▼
Formation expenses20€0-
Fixed assets21/28€2k€708▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€2k€633▼
Furniture and vehicles24€2k€633▼
Financial fixed assets28€75€75=
Current assets29/58€1.31M€1.28M▼
Amounts receivable after more than one year29-€270k
Other amounts receivable291-€270k
Amounts receivable within one year40/41€83k€107k▲
Trade receivables40€11k€22k▲
Other amounts receivable41€72k€85k▲
Current investments50/53€400k-
Cash at bank and in hand54/58€759k€823k▲
Deferred charges and accrued income490/1€67k€84k▲
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.28M▼
Equity10/15€352k€335k▼
Contributions10/11€289k€283k▼
Capital10€289k€283k▼
Reserves13€35k€7k▼
Profit (loss) carried forward14€28k€45k▲
Provisions and deferred taxes16€466k€484k▲
Provisions for liabilities and charges160/5€466k€484k▲
Other liabilities and charges164/5€466k€484k▲
Amounts payable17/49€493k€465k▼
Amounts payable within one year42/48€431k€370k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€75k€73k▼
Taxes450/3€8-
Remuneration and social security454/9€75k€73k▼
Accrued charges and deferred income492/3€62k€96k▲
Income statement
Code20242025
Remuneration, social security and pensions62€663k€711k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€943▼
Other operating charges640/8€7k€2k▼
Gross operating margin9900€690k€770k▲
Operating profit (loss)9901€20k€38k▲
Financial income75/76B€9k€11k▲
Recurring financial income75€9k€11k▲
Financial charges65/66B€799€1k▲
Recurring financial charges65€799€1k▲
Profit (loss) for the period before taxes9903€28k€47k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€28k€45k▲
Profit (loss) for the period to be appropriated9905€28k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€45k▲
From contributions791€35k-
To contributions691€35k-
Social balance
Average headcount (FTE)908710.211.9▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
21-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director reappointment · Director appointment14 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director reappointment · Director appointment14 facts ▸
- General meeting, 2026-06-16
- Director reappointment, Dr. Jonathan LUSZEZEK (administrateur)
- Director reappointment, Dr. Michel MEURIS (administrateur)
- Director appointment, Dr. Sébastien FÖRSTER (administrateur)
- Board composition, administrateur, 2026-06-16
- Board composition, administrateur, 2026-06-16
- Board composition, administrateur, 2026-06-16
- Board composition, administrateur, 2026-06-16
- Board composition, administrateur, 2026-06-16
- Board composition, administrateur, 2026-06-16
- Board composition, administrateur, 2026-06-16
- Board composition, administrateur, 2026-06-16
- +2 further facts in this act
2025
31-12
Financial
Highest result since 2023net €45k ▲62.8%
Net result €45k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €28k ▼32.8%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 20 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26107466). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Dr. Michel MEURIS
CurrentDirector · since 16-06-2026
Dr. Sébastien FÖRSTER
CurrentDirector · since 16-06-2026
LUSZEZEK Jonathan
CurrentDirector · since 16-06-2026
16-06-2026
Dr. Michel MEURIS: Mandate renewed as Director
16-06-2026
Dr. Sébastien FÖRSTER: Appointed as Director
16-06-2026
LUSZEZEK Jonathan: Mandate renewed as Director
Location & real-estate footprint
Registered office, Verviers · 1 establishment unit since 2008
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.
Rue de la Marne 44800 VerviersGround area
2,084 m²
Building footprint
200 m²
Volume, LiDAR
2,293 m³
Parcel 63079D0418/00X005, Wallonia · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ASSOCIATION DES GENERALISTES DE L'EST FRANCOPHONE DE LA BELGIQUE
since 20082.198.277.346
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079D0418/00X005 | Wallonia | 2,084 m² | 1 · 200 m² | 13.1 m · 4 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.
Structure & network
Connections & network
1 connected companyLinked via shared directors
viaLUSZEZEK Jonathan · Director
former→
Ownership & control
1 partyASSOCIATION DES GENERALISTES DE L'EST FRANCOPHONE DE LA BELGIQUEBE 0480.018.554
controls
Where this company holds controlthis company sits on their board1
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Maasmechelen · Eq €333k
KINESITHERAPIE LUT DE WILDE
BE 0434.867.331
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Of 10,461 companies in sector 86995 we hold annual accounts for 883. 581 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded30-12-2002
Fiscal year end31-12
Abbreviation FR
AGEF.BE
Activities, NACEBEL
86909Human health activities
86995Nutrition and dietetics services
94120Activities of professional membership organisations
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.