FAGNES-INVEST
ActiveSummary
FAGNES-INVEST has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-29k) and a net result of €4k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▲+24
Solvency0=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.66 against 0.64 in 2024; short-term debt: 151.8% and cash: 78.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six 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 68
Relative position
BE, all sectors
reference
Sector 68
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-52%
Return on assets
6.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9194 sector peers (2025).
NBB · sector comparisonPosition among 9194 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
153 d late
2022
31 d early
2021
5 d early
2020
1 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k
2024 · €-2k
2018: €-1k
2019: €-1k
2020: €-1k
2021: €-2k
2022: €62k
2023: €-11k
2024: €-2k
2018 → 2025
Working capital
€-28k▲ 11.1%
2024 · €-32k
2018: €-76k
2019: €-78k
2020: €-79k
2021: €-81k
2022: €-19k
2023: €-30k
2024: €-32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-82k-€-19k▲ 76.4%€-30k▼ 58.0%€-32k▼ 5.5%€-29k▲ 11.1%
Operating result€-2k-€63k€-11k€-2k▲ 84.1%€4k
Net result€-2k-€62k€-11k€-2k▲ 84.9%€4k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €2k in 2024.
Key figures and ratios
Solvency
-52.0%▲
2024 · -57.2%
Current ratio
0.66▲
2024 · 0.64
Quick ratio
0.52▲
2024 · 0.51
Debt to equity
-2.92▼
2024 · -2.75
ROA
6.5%▲
2024 · -3.0%
Debt
€83k▼
2024 · €88k
Debt ≤ 1 year
€83k▼
2024 · €88k
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 · 30 lines
Balance sheet
Code20242025
Assets
Total assets20/58€56k€55k▼
Current assets29/58€56k€55k▼
Stocks and contracts in progress3€11k€11k=
Stocks30/36€11k€11k=
Amounts receivable within one year40/41€134€149▲
Other amounts receivable41€134€149▲
Cash at bank and in hand54/58€45k€43k▼
Deferred charges and accrued income490/1€157€119▼
Equity and liabilities
Total equity and liabilities10/49€56k€55k▼
Equity10/15€-32k€-29k▲
Contributions10/11€22k€22k=
Profit (loss) carried forward14€-54k€-50k▲
Amounts payable17/49€88k€83k▼
Amounts payable within one year42/48€88k€83k▼
Trade debts44€6k€994▼
Suppliers440/4€6k€994▼
Other amounts payable47/48€82k€82k=
Accrued charges and deferred income492/3€120€119▼
Income statement
Code20242025
Other operating charges640/8€445€460▲
Gross operating margin9900€-1k€4k▲
Operating profit (loss)9901€-2k€4k▲
Financial income75/76B€293€202▼
Recurring financial income75€293€202▼
Financial charges65/66B€213€224▲
Recurring financial charges65€213€224▲
Profit (loss) for the period before taxes9903€-2k€4k▲
Profit (loss) for the period9904€-2k€4k▲
Profit (loss) for the period to be appropriated9905€-2k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-54k€-50k▲
Profit (loss) brought forward from the previous period14P€-52k€-54k▼
The notes to these accounts (1 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 153 days late
2023
31-12
Financial
Weakest financial yearnet €-11k ▼118%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €62k
Net result €62k after 4 loss-making years.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Theux · 1 establishment unit since 1988
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 Joseph Marchal 124910 TheuxGround area
4,450 m²
Building footprint
276 m²
Volume, LiDAR
1,953 m³
2 parcels, Wallonia · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Place Sommeleville 32, 4800 Verviers
since 19882.033.438.714
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63060B0107/00_000 | Wallonia | 4,389 m² | 1 · 227 m² | 9.2 m · 2 fl. |
| 63572B0157/00C000 | Wallonia | 60 m² | 1 · 49 m² | 14.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector and region
Coopération Venture Développement
BE 0433.073.227
Theux
Extension Bruxelloise
BE 0403.352.625
Theux
IMMO CANVASSE MATHIEU
BE 0741.980.021
Theux
MONAMI IMMO
BE 1028.843.564
Theux
NIVLEX
BE 0761.872.840
Theux
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-1987
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.