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Aggregates & Finance

Active
Public limited companyfounded 1993active for 33 yearsParklaan 74, 8200 Brugge, BelgiumKBO/BCE: BE 0449.849.871
Summary

Aggregates & Finance has been active since 1993 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.6m and a net result of €154,667. Equity has been growing by about 5.1% per year since 2018. Its solvency ranks better than 41% of 2,083 sector peers (NACE 73, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 09-04-1993 Normal situation
Activity
Public relations and communication consultancy NACE 73300and 5 others
Establishment unit
2.062.048.962 8200 Brugge, since 18-07-1996
Financial year end
31 December
Peppol
Reachable since 23-09-2025

Board and ownership

Board

Financial position

95 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€596,171
▼ 20.6%
Turnover
≈ €1.2m
estimated
Profit
€154,667
▼ 25.7%
Equity
€1.6m
▲ 10.4%
Total assets
€4.8m
▼ 1.4%
Score breakdownraises riskLiquidity: current ratio 2.24, cash €67,081, halvedlowers riskSize: total assets €4.8mFounded in 1993Figures for financial year 2025 (filed on 29-07-2026)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 57% of small companies in advertising and market research (NACE 73)
Financial strength · tick: 2024
Strong
Solvency 59+4
equity 34.0% of total assets
Liquidity 52-4
short-term debt 5.1% · cash 1.4%
Profitability 73-1
return on assets 3.2%
Bankruptcy probability within 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 0.1% (722 companies, NACE 73, small)
Last 24 months 12-2024: < 0.1% 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%▲ +0.1 percentage points vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025highest value 07-2025: < 0.1%▼ -0.1 percentage points 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 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025lowest value 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 05-2026 07-2026: 0.1%▲ +0.1 percentage points vs 06-2026 08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €150,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.24 (1.55 in 2024), above the usual 1.5. Short-term debt is 5.1% and cash 1.4% of total assets. However, 66% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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 73, small). It does better than 39% of them on solvency, 56% on liquidity, 65% on profitability and 66% on growth.

The bankruptcy probability was computed on 03-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €4.8m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 2.24, cash €67,081, halved
NBB · annual accounts
lowers risk · Founded in 1993
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Figures for financial year 2025 (filed on 29-07-2026)
NBB · annual accounts
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
2 days early
2024
37 days early
2023
13 days early
2022
32 days early
2021
5 days early
2020
3 days early
2019
67 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 4 days before the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% 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 19 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: More equity than 90% of companies in advertising and market researchsector median €164,813 · 2,086 companies €1.6m View
  • Positive: Filed on time since financial year 2020accounts within the deadline every year 6 years View
  • Positive: 6 profitable years in a rowprofit 2025: €154,667 6 years View
  • Caution: Result fell in 2025from €208,306 to €154,667 ▼ 25.7% View

Recent changes

  1. · Gazette deed 4 directors resigning, 4 reappointedResignations: DEVRIESE Nicolas Jan Robert, JORDENS Ann Josse Marie and 2 others · Reappointments: DEVRIESE Nicolas Jan Robert, JORDENS Ann Josse Marie and 2 others
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as Aggregates & Finance: public relations and communication consultancy (NACE 73300). They are comparable in size and age: total assets between €3.5m and €5.8m, founded between 1988 and 2002.

CompanyTotal assetsGross margin
Aggregates & Finance Brugge€4.8m€0.6m
ZANZIBAR Antwerpen€4.5m€0.5m
MAGIC IMAGE Vorst€3.7m€0.6m
MONELLO Leuven€3.7m€0.8m
E.G.R. CENTER Zonhoven€5.1m€0.4m
4Retail Zandhoven€3.5m€0.7m
VELIS Ichtegem€5.8m€0.5m
Full comparison

Key facts about Aggregates & Finance

What is the company number of Aggregates & Finance?
The company number of Aggregates & Finance is 0449.849.871. The VAT number is the same number with BE in front: BE 0449.849.871.
Where is Aggregates & Finance based?
The registered office is at Parklaan 74, 8200 Brugge.Company details
What does Aggregates & Finance do?
According to the KBO register, the main activity is public relations and communication consultancy (NACE 73300).
What is the legal form of Aggregates & Finance?
The legal form of Aggregates & Finance is Public limited company (NV).
When was Aggregates & Finance founded?
Aggregates & Finance was founded on 09-04-1993.
Is Aggregates & Finance still active?
Yes, Aggregates & Finance is an active enterprise in the KBO register.
What is the turnover of Aggregates & Finance?
The turnover in financial year 2025 is ≈ €1.2m. This figure is estimated from the gross margin of €596,171 and 38 comparable companies (NACE 73). It probably lies between €800,000 and €1.6m.Financials
Is Aggregates & Finance profitable?
In financial year 2025, Aggregates & Finance made a profit of €154,667.
Where can I find the annual accounts of Aggregates & Finance?
Aggregates & Finance filed 32 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Aggregates & Finance due?
Aggregates & Finance must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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