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L'Agence

Active
Private limited company·Detailhandel in huismeubilair· 2 yrs active
Avenue du Grand Cortil 42 ·4053 Chaudfontaine, Belgium
KBO/BCE: BE 1007.202.864
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Age2 yrs
Real estate1 parcel · 1,505 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of L'Agence is 3.7% (moderate). The 2024 annual accounts show negative equity (€-27k) and a net result of €-52k. Its solvency ranks better than 22% of 6721 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
3.7% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker financial profile +Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 30-10-2025 91 d late 2025-00563684

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-52k
Working capital€-115k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-10-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -9.8% 20.4%
better than 22% of 6721 sector peers
Net result €-52k €4k
better than 5% of 6702 sector peers
Equity €-27k €16k
better than 11% of 6736 sector peers
Gross operating margin €28k €24k
better than 53% of 6681 sector peers
Staff costs €52k €33k
higher than 65% of 3049 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€-26k
Net profit€-52k
Cash flow€-30k
Staff costs€52k
Income taxes-
Dividends-
Total assets€278k
Equity€-27k
Debt€305k
of which ≤ 1y€175k
of which > 1y€130k
Working capital€-115k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.34
Quick ratio0.33
Working capital ratio-41.4%
Solvency-9.8%
Debt / equity-11.22
Long-term debt ratio-4.79
Interest coverage-6.31
Gross margin-
Net margin-
ROA-18.8%
ROE191.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€278k
Fixed assets 21/28€218k
Intangible fixed assets 21€25k
Tangible fixed assets 22/27€193k
Financial fixed assets 28€610
Current assets 29/58€60k
Stocks & contracts in progress 3€1k
Amounts receivable within one year 40/41€54k
Cash & bank 54/58€248
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€278k
Equity 10/15€-27k
Contributions / capital 10/11€25k
Accumulated profits (losses) 14€-52k
Amounts payable 17/49€305k
Amounts payable after one year 17€130k
Amounts payable within one year 42/48€175k
Trade debts payable within one year 44€99k
Income statement
Gross operating margin 9900€28k
Operating result 9901€-48k
Financial income 75€308
Financial charges 65€4k
Result before taxes 9903€-52k
Net result for the period 9904€-52k
Result to be appropriated 9905€-52k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
10 / 100 Critical
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Avenue du Grand Cortil 424053 Chaudfontaine

Establishment units

1 location
Monarchi Interiors
Avenue du Grand Cortil 42, 4053 ChaudfontaineVervaardiging van andere artikelen van hout
since 20242.357.098.713
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,505 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62030C0248/00C015 Wallonia 1,505 m² - -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

4 of 5 axes measured
Health10Profitability100Solvency33Growth-Stability67
52 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 10
Profitability 100
Solvency 33
Growth -
Stability 67

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 321 of the 2,610 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in huismeubilair47551Detailhandel in huismeubilair in gespecialiseerde winkels47591Activiteiten van interieurdecorateurs74104Interieurontwerp74130Vervaardiging van keukenmeubelen31002Detailhandel in elektrische huishoudapparaten47540Detailhandel in verlichtingsartikelen47552Detailhandel in verlichtingsartikelen in gespecialiseerde winkels47592Activiteiten van interieurarchitecten71112
Primary activity highlighted.
Names & trade names
Legal nameFR L'Agence
Registered office
Avenue du Grand Cortil 42
4053 Chaudfontaine, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.