AGERTI
ActiveSummary
AGERTI has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €782k and a net result of €287k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 62% of 8048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability95▲+1
Solvency82▲+5
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 2.45 against 2.08 in 2024; short-term debt: 39.9% and cash: 30.2% of total assets), and 43.5% of the assets are financed with debt.
Credit check 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 · 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
56.5%
Return on assets
20.8%
Age of the figures
15 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 · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-03-2026, 30 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
on the day
2023
15 d early
2022
1 d early
2021
4 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€782k▲ 5.0%
2024 · €745k
2019: €828khighest in 7 years
2020: €766k▼ -7.5% vs 2019
2021: €766k● +0.0% vs 2020
2022: €585k▼ -23.7% vs 2021lowest in 7 years
2023: €713k▲ +21.9% vs 2022
2024: €745k▲ +4.6% vs 2023
2025: €782k▲ +5.0% vs 2024
2019 → 2025
Total assets
€1.38M▼ 2.7%
2024 · €1.42M
2019: €1.18M
2020: €1.20M▲ +1.5% vs 2019
2021: €1.28M▲ +6.6% vs 2020
2022: €1.02M▼ -20.4% vs 2021lowest in 7 years
2023: €1.35M▲ +32.3% vs 2022
2024: €1.42M▲ +5.7% vs 2023highest in 7 years
2025: €1.38M▼ -2.7% vs 2024
2019 → 2025
Net result
€287k▲ 1.6%
2024 · €282k
2019: €64k
2020: €35k▼ -45.4% vs 2019lowest in 7 years
2021: €195k▲ +461% vs 2020
2022: €161k▼ -17.5% vs 2021
2023: €378k▲ +135% vs 2022highest in 7 years
2024: €282k▼ -25.3% vs 2023
2025: €287k▲ +1.6% vs 2024
2019 → 2025
Working capital
€799k▲ 9.4%
2024 · €730k
2019: €530k
2020: €443k▼ -16.5% vs 2019
2021: €421k▼ -4.8% vs 2020lowest in 7 years
2022: €584k▲ +38.8% vs 2021
2023: €705k▲ +20.6% vs 2022
2024: €730k▲ +3.6% vs 2023
2025: €799k▲ +9.4% vs 2024highest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€766k-€585k▼ 23.7%€713k▲ 21.9%€745k▲ 4.6%€782k▲ 5.0%
2021: €766k
2022: €585k▼ -23.7% vs 2021lowest in 5 years
2023: €713k▲ +21.9% vs 2022
2024: €745k▲ +4.6% vs 2023
2025: €782k▲ +5.0% vs 2024highest in 5 years
Operating result€309k-€324k▲ 5.0%€561k▲ 73.2%€430k▼ 23.4%€451k▲ 4.8%
2021: €309klowest in 5 years
2022: €324k▲ +5.0% vs 2021
2023: €561k▲ +73.2% vs 2022highest in 5 years
2024: €430k▼ -23.4% vs 2023
2025: €451k▲ +4.8% vs 2024
Net result€195k-€161k▼ 17.5%€378k▲ 135%€282k▼ 25.3%€287k▲ 1.6%
2021: €195k
2022: €161k▼ -17.5% vs 2021lowest in 5 years
2023: €378k▲ +135% vs 2022highest in 5 years
2024: €282k▼ -25.3% vs 2023
2025: €287k▲ +1.6% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.38M
Fixed assets
€33k ▲ 122%
Current assets
€1.35M ▼ 4.0%
Equity and liabilities €1.38M
Equity
€782k ▲ 5.0%
Debt
€601k ▼ 11.2%
Debt's share of the balance-sheet total falls from 47.6% to 43.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€458k▲
2024 · €436k
Cash flow
€294k▲
2024 · €288k
Current ratio
2.45▲
2024 · 2.08
Quick ratio
1.00▲
2024 · 0.73
Debt to equity
0.77▼
2024 · 0.91
ROE
36.7%▼
2024 · 37.9%
ROA
20.8%▲
2024 · 19.9%
Interest coverage
8.09▼
2024 · 8.58
Debt ≤ 1 year
€552k▼
2024 · €677k
Debt > 1 year
€49k
Income taxes
€107k▲
2024 · €104k
Staff costs
€180k▲
2024 · €162k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.42M€1.38M▼
Fixed assets21/28€15k€33k▲
Tangible fixed assets22/27€15k€33k▲
Plant, machinery and equipment23€6k€30k▲
Furniture and vehicles24€9k€3k▼
Financial fixed assets28€0-
Current assets29/58€1.41M€1.35M▼
Stocks and contracts in progress3€916k€798k▼
Stocks30/36€916k€798k▼
Amounts receivable within one year40/41€173k€118k▼
Trade receivables40€148k€106k▼
Other amounts receivable41€24k€12k▼
Cash at bank and in hand54/58€289k€417k▲
Deferred charges and accrued income490/1€30k€17k▼
Equity and liabilities
Total equity and liabilities10/49€1.42M€1.38M▼
Equity10/15€745k€782k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€651k€651k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€644k€644k=
Profit (loss) carried forward14€32k€69k▲
Amounts payable17/49€677k€601k▼
Amounts payable after more than one year17-€49k
Financial debts170/4-€49k
Amounts payable within one year42/48€677k€552k▼
Current portion of amounts payable after more than one year42€5k€17k▲
Trade debts44€383k€248k▼
Suppliers440/4€383k€248k▼
Taxes, remuneration and social security45€31k€35k▲
Taxes450/3€19k€11k▼
Remuneration and social security454/9€12k€24k▲
Other amounts payable47/48€258k€251k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€162k€180k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€10k-
Other operating charges640/8€6k€6k▲
Gross operating margin9900€614k€644k▲
Operating profit (loss)9901€430k€451k▲
Financial income75/76B€7k€394▼
Recurring financial income75€7k€394▼
Financial charges65/66B€51k€57k▲
Recurring financial charges65€51k€57k▲
Profit (loss) for the period before taxes9903€386k€394k▲
Income taxes67/77€104k€107k▲
Profit (loss) for the period9904€282k€287k▲
Profit (loss) for the period to be appropriated9905€282k€287k▲
Appropriation of the result
Profit (loss) to be appropriated9906€282k€319k▲
Profit (loss) brought forward from the previous period14P-€32k
Profit to be distributed694/7€250k€250k=
Return on contributions (dividend)694€250k€250k=
Social balance
Average headcount (FTE)90873.84.2▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €143k | €95k | €162k | €180k | ▲ 11.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €11k | €5k | €6k | €7k | ▲ 22.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €-37k | €10k | - | - |
| Other operating charges640/8 | - | €8k | €51k | €6k | €6k | ▲ 2.2% |
| Gross operating margin9900 | €482k | €486k | €675k | €614k | €644k | ▲ 4.9% |
| Operating profit (loss)9901 | €309k | €324k | €561k | €430k | €451k | ▲ 4.8% |
| Financial income75/76B | - | €52k | €4k | €7k | €394 | ▼ 94.4% |
| Recurring financial income75 | €8k | €52k | €4k | €7k | €394 | ▼ 94.4% |
| Financial charges65/66B | - | €122k | €47k | €51k | €57k | ▲ 11.4% |
| Recurring financial charges65 | €47k | €45k | €47k | €51k | €57k | ▲ 11.4% |
| Non-recurring financial charges66B | - | €77k | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €269k | €255k | €518k | €386k | €394k | ▲ 2.1% |
| Income taxes67/77 | €75k | €94k | €140k | €104k | €107k | ▲ 3.5% |
| Profit (loss) for the period9904 | €195k | €161k | €378k | €282k | €287k | ▲ 1.6% |
| Profit (loss) for the period to be appropriated9905 | €195k | €161k | €378k | €282k | €287k | ▲ 1.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.28M | €1.02M | €1.35M | €1.42M | €1.38M | ▼ 2.7% |
| Fixed assets21/28 | €395k | €15k | €13k | €15k | €33k | ▲ 122% |
| Tangible fixed assets22/27 | €25k | €15k | €10k | €15k | €33k | ▲ 122% |
| Plant, machinery and equipment23 | - | - | - | €6k | €30k | ▲ 410% |
| Furniture and vehicles24 | - | €15k | €10k | €9k | €3k | ▼ 68.8% |
| Financial fixed assets28 | €369k | - | €3k | €0 | - | - |
| Current assets29/58 | €882k | €1.00M | €1.33M | €1.41M | €1.35M | ▼ 4.0% |
| Stocks and contracts in progress3 | €585k | €559k | €710k | €916k | €798k | ▼ 12.9% |
| Stocks30/36 | - | €559k | €710k | €916k | €798k | ▼ 12.9% |
| Amounts receivable within one year40/41 | €165k | €163k | €137k | €173k | €118k | ▼ 31.8% |
| Trade receivables40 | - | €138k | €125k | €148k | €106k | ▼ 28.3% |
| Other amounts receivable41 | - | €25k | €13k | €24k | €12k | ▼ 52.8% |
| Current investments50/53 | - | - | €400k | - | - | - |
| Cash at bank and in hand54/58 | €133k | €270k | €78k | €289k | €417k | ▲ 44.4% |
| Deferred charges and accrued income490/1 | - | €10k | €7k | €30k | €17k | ▼ 41.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.28M | €1.02M | €1.35M | €1.42M | €1.38M | ▼ 2.7% |
| Equity10/15 | €766k | €585k | €713k | €745k | €782k | ▲ 5.0% |
| Contributions10/11 | €62k | €62k | €62k | €62k | €62k | = |
| Capital10 | - | €62k | €62k | €62k | €62k | = |
| Issued capital100 | - | €62k | €62k | €62k | €62k | = |
| Reserves13 | €704k | €523k | €651k | €651k | €651k | = |
| Non-distributable reserves130/1 | - | €6k | €6k | €6k | €6k | = |
| Legal reserve130 | - | €6k | €6k | €6k | €6k | = |
| Distributable reserves133 | - | €516k | €644k | €644k | €644k | = |
| Profit (loss) carried forward14 | - | - | - | €32k | €69k | ▲ 114% |
| Amounts payable17/49 | €511k | €432k | €633k | €677k | €601k | ▼ 11.2% |
| Amounts payable after more than one year17 | €50k | €15k | €5k | - | €49k | - |
| Financial debts170/4 | - | €15k | €5k | - | €49k | - |
| Amounts payable within one year42/48 | €461k | €418k | €628k | €677k | €552k | ▼ 18.5% |
| Current portion of amounts payable after more than one year42 | - | €35k | €10k | €5k | €17k | ▲ 258% |
| Financial debts43 | - | - | €90k | - | - | - |
| Credit institutions430/8 | - | - | €90k | - | - | - |
| Trade debts44 | €121k | €108k | €216k | €383k | €248k | ▼ 35.2% |
| Suppliers440/4 | - | €108k | €216k | €383k | €248k | ▼ 35.2% |
| Taxes, remuneration and social security45 | - | €115k | €49k | €31k | €35k | ▲ 13.7% |
| Taxes450/3 | - | €112k | €44k | €19k | €11k | ▼ 40.3% |
| Remuneration and social security454/9 | - | €3k | €6k | €12k | €24k | ▲ 102% |
| Other amounts payable47/48 | - | €160k | €263k | €258k | €251k | ▼ 2.8% |
| Accrued charges and deferred income492/3 | - | - | - | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €195k | €161k | €378k | €282k | €287k | ▲ 1.6% |
| + Depreciation and write-downs630 | €12k | €11k | €5k | €6k | €7k | ▲ 22.9% |
| Operating cash flow (approximation) | €207k | €171k | €383k | €288k | €294k | ▲ 2.1% |
| Investment in fixed assets (approximation) | - | €369k | €-3k | €-8k | €-25k | ▼ 220% |
| Change in cash | - | €137k | €-192k | €211k | €128k | ▼ 39.1% |
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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
16-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Highest result since 2019net €378k ▲135%
Operating result €561k, net result €378k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet €35k ▼45.4%
Net result drops to €35k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
22-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
9 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, Laarne · 1 establishment unit since 1999
Ground area
1,336 m²
Building footprint
313 m²
Volume, LiDAR
1,702 m³
Parcel 42010C1036/00R002, Flanders · tallest building 5.9 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
AGERTI
since 19992.005.972.569
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42010C1036/00R002 | Flanders | 1,336 m² | 1 · 313 m² | 5.9 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 4 entries · 10,645 EUR awarded · 10,645 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 5,000 EUR |
| 2024 | 2 | 6,185 EUR | 1,185 EUR |
| 2023 | 1 | 4,460 EUR | 4,460 EUR |
Schemes
Subsidies voor internationaal ondernemen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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BE 0814.779.709
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IMART
BE 0441.483.226
Kortrijk · Eq €775,980
THIELEMANS
BE 0452.616.054
Diest · Eq €770,908
HURRAY DISTRIBUTION
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Sint-Niklaas · Eq €799,851
Of 1,276 companies in sector 46160 we hold annual accounts for 686. 353 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded01-01-1968
Fiscal year end30-06
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46180Agents specialised in the wholesale of other particular products
Scores and ratios are computed by Checked and are not a credit decision.