Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 62 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
AGF-SPECIAALZAAK from Mechelen, company number BE0821585248, closed financial year 2025 with a result of € 78,618 after tax. For that financial year AGF-SPECIAALZAAK recorded a gross margin of € 424,868 and equity of € 178,355. Compared with financial year 2024, the result moved from € 5,454 to € 78,618. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 30, 2026.
€ 178,355
▲ 79% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 78,618
▲ € 73,164 vs 2024
Profit after tax over the fiscal year.
€ 33,060
▲ € 32,395 vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 159,755.
People and assets in 2025
7.5
▲ 0.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 234,748
▲ 9% vs 2024
€ 31,300 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 6,088
▲ 295% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 468,162
▲ 27% vs 2024
€ 20,381 is repaid this year. At this pace the long-term loan is gone in ≈ 23 years.
€ 49,275
▲ 2% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 46,560
▼ 9% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 267,838 | € 283,111 | € 282,171 | € 424,868 | ▲ 51% |
| Profit after taxes | € 40,600 | € 35,084 | € 5,454 | € 78,618 | ▲ € 73,164 |
| Equity | € 96,414 | € 131,497 | € 99,737 | € 178,355 | ▲ 79% |
| Total debts | € 552,240 | € 489,270 | € 467,930 | € 564,111 | ▲ 21% |
| Cash | € 7,648 | € 9,777 | € 665 | € 33,060 | ▲ € 32,395 |
| Land & buildings | € 487,582 | € 455,710 | € 430,845 | € 591,899 | ▲ 37% |
| Retained profit | € 77,814 | € 112,897 | € 81,137 | € 159,755 | ▲ 97% |
| Dividend | € 0 | € 0 | € 37,214 | € 0 | ▼ 100% |
| Bank debt | € 451,288 | € 389,139 | € 367,900 | € 468,162 | ▲ 27% |
| Balance sheet total | € 648,654 | € 620,768 | € 567,667 | € 742,465 | ▲ 31% |
| Employees (FTE) | 4.9 | 5.6 | 6.7 | 7.5 | ▲ 0.8 |
Key figures of AGF-SPECIAALZAAK, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to AGF-SPECIAALZAAK?
What happened at AGF-SPECIAALZAAK in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 78,618 (▲ € 73,164 vs 2024). Source: NBB ↗
- New establishment in Mechelen. KBO
- Start of the company according to the CBE. KBO
In short
From € 40,600 profit in 2022 to € 78,618 profit in 2025.
Paid € 79,824 in corporate taxes since 2022.
Best year ever: 2025, with € 78,618 profit.
On average € 56,600 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind AGF-SPECIAALZAAK is Sander Ghyselen.
Directors
According to the 2025 annual accounts
Sander Ghyselen
Director
Establishments
Establishment units
Physical locations of this company
IJzerenleen 57
2800 Mechelen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0821.585.248
- VAT number
- BE 0821.585.248
- Registered office
- IJzerenleen 57, 2800 Mechelen
- Names & denominations
- AGF-SPECIAALZAAK
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 18 December 2009
- Peppol
- Active · Active since 25 Aug 2025
- Activities · NACE
Detailhandel in groenten en fruit