AGNES et DAMIEN
ActiveSummary
The computed 12-month bankruptcy probability of AGNES et DAMIEN is 2.0% (moderate). The 2025 annual accounts show equity of €169k and a net result of €13k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 74% of 13305 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+3
Solvency83▲+4
Growth58=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.65 in 2024; short-term debt: 18.4% and cash: 11.7% of total assets), and 41.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-10-2025, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
6 d early
2023
8 d early
2022
3 d early
2021
2 d early
2020
4 d early
2019
22 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€169k▲ 8.3%
2024 · €156k
2019: €177k
2020: €174k
2021: €180k
2022: €154k
2023: €154k
2024: €156k
2019 → 2025
Total assets
€289k▼ 0.5%
2024 · €291k
2019: €251k
2020: €232k
2021: €222k
2022: €204k
2023: €261k
2024: €291k
2019 → 2025
Net result
€13k▲ 128%
2024 · €6k
2019: €-16k
2020: €-4k
2021: €6k
2022: €-4k
2023: €17k
2024: €6k
2019 → 2025
Working capital
€16k▼ 56.5%
2024 · €36k
2019: €-1k
2020: €5k
2021: €6k
2022: €-7k
2023: €8k
2024: €36k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€180k-€154k▼ 14.6%€154k▲ 0.3%€156k▲ 1.1%€169k▲ 8.3%
Operating result€13k-€6k▼ 56.0%€42k▲ 628%€24k▼ 42.9%€31k▲ 30.3%
Net result€6k-€-4k€17k€6k▼ 66.7%€13k▲ 128%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 30% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €289k
Fixed assets
€220k ▲ 10.9%
Current assets
€69k ▼ 25.1%
Equity and liabilities €289k
Equity
€169k ▲ 8.3%
Debt
€121k ▼ 10.7%
Debt's share of the balance-sheet total falls from 46.4% to 41.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57k▲
2024 · €49k
Cash flow
€38k▲
2024 · €30k
Current ratio
1.30▼
2024 · 1.65
Quick ratio
1.06▼
2024 · 1.46
Debt to equity
0.71▼
2024 · 0.87
ROE
7.7%▲
2024 · 3.7%
ROA
4.5%▲
2024 · 2.0%
Interest coverage
7.05▼
2024 · 9.29
Debt ≤ 1 year
€53k▼
2024 · €56k
Debt > 1 year
€67k▼
2024 · €79k
Income taxes
€11k▼
2024 · €13k
Staff costs
€32k▲
2024 · €30k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€291k€289k▼
Fixed assets21/28€199k€220k▲
Tangible fixed assets22/27€199k€220k▲
Land and buildings22€131k€164k▲
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€1k€708▼
Other tangible fixed assets26€57k€50k▼
Current assets29/58€92k€69k▼
Stocks and contracts in progress3€11k€13k▲
Stocks30/36€11k€13k▲
Amounts receivable within one year40/41€2k€15k▲
Trade receivables40€265€10k▲
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€74k€34k▼
Deferred charges and accrued income490/1€5k€8k▲
Equity and liabilities
Total equity and liabilities10/49€291k€289k▼
Equity10/15€156k€169k▲
Contributions10/11€45k€45k=
Reserves13€83k€96k▲
Tax-exempt reserves132€50k€50k=
Distributable reserves133€33k€46k▲
Profit (loss) carried forward14€28k€28k=
Amounts payable17/49€135k€121k▼
Amounts payable after more than one year17€79k€67k▼
Financial debts170/4€79k€67k▼
Amounts payable within one year42/48€56k€53k▼
Current portion of amounts payable after more than one year42€19k€19k▲
Trade debts44€13k€21k▲
Suppliers440/4€13k€21k▲
Advances received on contracts in progress46-€300
Taxes, remuneration and social security45€13k€10k▼
Taxes450/3€10k€10k▼
Remuneration and social security454/9€3k€520▼
Other amounts payable47/48€11k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€30k€32k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€26k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€82k€93k▲
Operating profit (loss)9901€24k€31k▲
Financial income75/76B€131€106▼
Recurring financial income75€131€106▼
Financial charges65/66B€5k€8k▲
Recurring financial charges65€5k€8k▲
Profit (loss) for the period before taxes9903€19k€23k▲
Income taxes67/77€13k€11k▼
Profit (loss) for the period9904€6k€13k▲
Profit (loss) for the period to be appropriated9905€6k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€41k▲
Profit (loss) brought forward from the previous period14P€28k€28k=
Transfer from equity791/2€4k-
Transfer to equity691/2€6k€13k▲
To other reserves6921€6k€13k▲
Profit to be distributed694/7€4k-
Return on contributions (dividend)694€4k-
The notes to these accounts (6 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
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2015
22-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Watermaal-Bosvoorde · 1 establishment unit since 1995
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.
Middelburgstraat 211170 Watermaal-BosvoordeGround area
101 m²
Building footprint
126 m²
Volume, LiDAR
861 m³
Parcel 21652E0667/00X000, Brussels · tallest building 12.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LE CORIANDRE
since 19952.074.352.522
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0667/00X000 | Brussels | 101 m² | 1 · 126 m² | 12.9 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWatermaal-Bosvoorde2.074.352.522
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A l'aize
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Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 8,876 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-1995
Fiscal year end31-03
Activities, NACEBEL 2025
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.