Financials
Financial year 2025
COMMERCIAL A.G.R. from Saint-Ghislain, company number BE0862892895, closed financial year 2025 with a result of € 199,499 after tax. For that financial year COMMERCIAL A.G.R. recorded a gross margin of € 1.9 million and equity of € 715,364. Compared with financial year 2024, the result moved from € 391,756 to € 199,499. The company is profitable. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on September 22, 2026.
€ 715,364
▼ 11% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 199,499
▼ 49% vs 2024
Profit after tax over the fiscal year.
€ 1 million
▲ 38% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 291,051 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
30.9
▲ 2.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.4 million
▲ 7% vs 2024
€ 46,500 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.
€ 8,512
▲ 92% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 922,626
▼ 2% vs 2024
€ 192,695 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 538,539
▲ € 491,170 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 233,197
▲ 25% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,456,944 | € 1,869,634 | € 2,049,963 | € 1,856,913 | ▼ 9% |
| Profit after taxes | € 268,524 | € 283,016 | € 391,756 | € 199,499 | ▼ 49% |
| Equity | € 585,047 | € 667,095 | € 807,883 | € 715,364 | ▼ 11% |
| Total debts | € 1,897,304 | € 1,694,763 | € 1,512,046 | € 2,098,831 | ▲ 39% |
| Cash | € 1,021,504 | € 943,464 | € 726,828 | € 1,005,479 | ▲ 38% |
| Land & buildings | € 104,236 | € 90,256 | € 76,275 | € 62,295 | ▼ 18% |
| Retained profit | € 332,574 | € 415,590 | € 557,346 | € 465,794 | ▼ 16% |
| Dividend | € 220,000 | € 200,000 | € 250,000 | € 291,051 | ▲ 16% |
| Bank debt | € 1,158,477 | € 1,023,651 | € 942,272 | € 922,626 | ▼ 2% |
| Balance sheet total | € 2,490,074 | € 2,369,259 | € 2,327,008 | € 2,820,951 | ▲ 21% |
| Employees (FTE) | 29.2 | 26.2 | 28.8 | 30.9 | ▲ 2.1 |
Key figures of COMMERCIAL A.G.R., 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 COMMERCIAL A.G.R.?
What happened at COMMERCIAL A.G.R. in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 199,499 (▼ 49% vs 2024). filed late Source: NBB ↗
- New establishment in Tournai. KBO
- New establishment in Péruwelz. KBO
- Nathalie Elia became a director. NBB
- SISTERS'S HOLDING became a director. NBB
- New establishment in Tournai. KBO
- New establishment in Mons. KBO
- New establishment in Boussu. KBO
In short
From € 268,524 profit in 2022 to € 199,499 profit in 2025.
Paid € 351,840 in corporate taxes since 2022.
Best year ever: 2024, with € 391,756 profit.
On average € 60,100 of value added per employee in 2025.
Management
Behind COMMERCIAL A.G.R. are Nathalie Elia and SISTERS'S HOLDING. The shares are held by SISTERS'S HOLDING (100%).
Directors
According to the 2025 annual accounts
since 2021
Managing director · represented by Patricia ELIA
since 2021
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Zone art. de la Rivièrette(SG) 22
7330 Saint-Ghislain
Rue Grande 25
7380 Quiévrain
Active since 21 March 1997
Rue de Valenciennes 124
7380 Quiévrain
Active since 1 March 2000
Chaussée Montgomery(LG) 51
7611 Rumes
Active since 20 March 1997
Rue de Maire(FRY) 6
7503 Tournai
Active since 20 March 1997
Rue Grande(SG) 22
7330 Saint-Ghislain
Active since 26 December 2006
Grand-Rue 55/57
7000 Mons
Active since 27 February 2007
Rue Neuve(B) 1
7300 Boussu
Active since 1 February 2013
Rue de Mons(H) 163
7301 Boussu
Active since 21 November 2014
Place des Grands Prés 1
7000 Mons
Active since 10 February 2016
Chaussée de Lille(HER) 957
7522 Tournai
Active since 11 May 2021
Boulevard Walter de Marvis(TOU) 22
7500 Tournai
Active since 1 February 2023
Avenue de la Basilique(B.S) 10
7603 Péruwelz
Active since 1 February 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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
- 0862.892.895
- VAT number
- BE 0862.892.895
- Registered office
- Zone art. de la Rivièrette(SG) 22, 7330 Saint-Ghislain
- Names & denominations
- COMMERCIAL A.G.R.
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 22 January 2004
- Peppol
- Active · Active since 21 Oct 2026
- Activities · NACE
Detailhandel in brood en banketbakkerswerk (koude bakkers)
Detailhandel in brood-, banketbakkerswerk en suikerwerk
Groothandel in suiker, chocolade en suikerwerk
Detailhandel in artikelen voor verlichting en woninginrichting
Detailhandel in verlichtingsartikelen
Detailhandel in verlichtingsartikelen in gespecialiseerde winkels