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AGFIK

Active
Private limited companyfounded 1982active for 43 yearsMolenstraat 116, 3920 Lommel, BelgiumKBO/BCE: BE 0423.274.742
Summary

AGFIK has been active since 1982 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.0m and a net result of €83,301. Equity is growing by about 29% per year across the filed financial years. Its solvency ranks better than 95% of 12,650 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Activity
Retail sale of fruit and vegetables
NACE 47210Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110
2 sites
Size
€1.1mtotal assets 2025
Staff
2.9 FTE
Equity
€1.0m
Profit
€83,301
Turnover not published (abbreviated or micro format)
Financial health
97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
Accounts 45 days early2 of 4 deeds read
Why 97raises riskSector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 10.82, cash €206,202, halvedEquity €1.0m (92.1% of total assets)Founded in 1982Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 74% of its sector peers (NACE 47, micro)
Financial strength · tick = 2024
Strong
Solvency 100=
equity 92.1% of total assets
Liquidity 73-27
short-term debt 7.9% · cash 18.3%
Profitability 78-13
return on assets 7.4%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,226 companies, NACE 47, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026lowest value 07-2026: < 0.1%● unchanged vs 06-2026highest value 08-2026: < 0.1%● unchanged vs 07-2026highest value 09-2026: < 0.1%● unchanged vs 08-2026highest value 10-2026: < 0.1%● unchanged vs 09-2026highest value
Credit of up to €100,000 on 30-day terms is acceptable
Liquidity ample (current ratio 10.82, compared with 13.01 in 2024, above the usual 1.5; short-term debt: 7.9% and cash: 18.3% of total assets), and 7.9% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 47, micro): better than 92% on solvency, 79% on liquidity, 67% on profitability and 58% on growth.

The bankruptcy probability was computed on 22-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 10.82, cash €206,202, halved
NBB · annual accounts
lowers risk · Equity €1.0m (92.1% of total assets)
NBB · annual accounts
lowers risk · Founded in 1982
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
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 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
45 days early
2024
59 days early
2023
29 days late
2022
4 days early
2021
81 days late
2020
31 days late
2019
32 days early
← 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 on the deadline day; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% 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. The company usually files around 27 July (4 of the last 5 filed years within 55 days of that day).
Companies Code · seven months
Where today falls in the filing period
23-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Appointment: Greet DIEPVENS (director)Gazette deed
  2. Annual accounts filedfinancial year 2025 · abbreviated…
  3. Equity above €1mequity €1.0m ▲8.7%

Key points

  • Positive: Among the best 5% on solvencysector median 36.7% · 12,650 companies 92.1% View
  • Caution: Result fell in 2025from €183,851 to €83,301 ▼ 54.7% View
  • Positive: 8 profitable years in a rowprofit 2025: €83,301 8 years View
  • New directorlatest change 01-07-2026 · 2 in office 1 joined View

By topic

Financials

Financial year
2025
Total assets
€1.1m
Profit
€83,301
Solvency
92.1%
Total assets▲ 10.5%
Net result
20182025
Go to Financials

Timeline

Events
49
Since
1984
Next accounts
by 31-07-2027
  1. 24-06-2025Restructuring
  2. 02-06-2025Annual accounts filed
  3. 29-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of fruit and vegetablesNACE 47210
Founded
27-10-1982
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
5
Annual meeting
Fourth Friday of May at 19:00
Purpose
“Het uitbaten voor eigen rekening, voor rekening van anderen of bij deelneming, van een…” (deed in Dutch)
Go to Articles of association

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