AC Agro
ActiveAC Agro has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €657k and a net result of €110k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 47% of 7692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-2
Solvency67▼-20
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 1.67 against 3.89 in 2024; short-term debt: 29.8% and cash: 29.9% of total assets), but 58.4% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
41.6%
Return on assets
7%
Age of the figures
12 mo
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 30-09-2025 was due by 30-04-2026 and was filed on 21-04-2026, 9 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
9 d early
2024
8 d late
2023
28 d early
2022
87 d early
2021
78 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€657k▼ 42.6%
2024 · €1.14M
2021: €622k
2022: €861k
2023: €992k
2024: €1.14M
2021 → 2025
Total assets
€1.58M▼ 13.8%
2024 · €1.83M
2021: €1.23M
2022: €1.42M
2023: €1.74M
2024: €1.83M
2021 → 2025
Net result
€110k▼ 28.6%
2024 · €154k
2021: €445k
2022: €263k
2023: €132k
2024: €154k
2021 → 2025
Working capital
€318k▼ 61.8%
2024 · €833k
2021: €356k
2022: €571k
2023: €662k
2024: €833k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€622k-€861k▲ 38.6%€992k▲ 15.2%€1.14M▲ 15.4%€657k▼ 42.6%
Operating result€615k-€379k▼ 38.5%€186k▼ 50.9%€225k▲ 20.8%€165k▼ 26.3%
Net result€445k-€263k▼ 40.9%€132k▼ 49.6%€154k▲ 16.8%€110k▼ 28.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.58M
Fixed assets
€790k▲ 11.2%
Current assets
€790k▼ 29.6%
Equity and liabilities €1.58M
Equity
€657k▼ 42.6%
Debt
€923k▲ 34.2%
The debt ratio rises from 37.5% to 58.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€355k▼
2024 · €388k
Cash flow
€299k▼
2024 · €317k
Solvency
41.6%▼
2024 · 62.5%
Current ratio
1.67▼
2024 · 3.89
Quick ratio
1.47▼
2024 · 3.63
Debt / equity
1.41▲
2024 · 0.60
ROE
16.8%▲
2024 · 13.5%
ROA
7.0%▼
2024 · 8.4%
Interest coverage
20.12▼
2024 · 25.66
Debt
€923k▲
2024 · €688k
Debt ≤ 1 year
€472k▲
2024 · €289k
Debt > 1 year
€452k▲
2024 · €399k
Income taxes
€51k▼
2024 · €69k
Staff costs
€278k▲
2024 · €228k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.83M€1.58M▼
Fixed assets21/28€711k€790k▲
Intangible fixed assets21€30k€15k▼
Tangible fixed assets22/27€681k€775k▲
Land and buildings22€259k€242k▼
Plant, machinery and equipment23€163k€182k▲
Furniture and vehicles24€138k€145k▲
Leasing and similar rights25€121k€205k▲
Financial fixed assets28€231€206▼
Current assets29/58€1.12M€790k▼
Amounts receivable after more than one year29€486k€25k▼
Other amounts receivable291€486k€25k▼
Stocks and contracts in progress3€74k€99k▲
Stocks30/36€74k€99k▲
Amounts receivable within one year40/41€147k€149k▲
Trade receivables40€127k€132k▲
Other amounts receivable41€19k€17k▼
Cash at bank and in hand54/58€316k€473k▲
Deferred charges and accrued income490/1€100k€44k▼
Equity and liabilities
Total equity and liabilities10/49€1.83M€1.58M▼
Equity10/15€1.14M€657k▼
Contributions10/11€100€100=
Reserves13€1.14M€655k▼
Distributable reserves133€1.14M€655k▼
Profit (loss) carried forward14€2k€2k▲
Amounts payable17/49€688k€923k▲
Amounts payable after more than one year17€399k€452k▲
Financial debts170/4€399k€452k▲
Amounts payable within one year42/48€289k€472k▲
Current portion of amounts payable after more than one year42€93k€113k▲
Trade debts44€177k€274k▲
Suppliers440/4€177k€274k▲
Taxes, remuneration and social security45€18k€85k▲
Taxes450/3€8k€69k▲
Remuneration and social security454/9€10k€15k▲
Other amounts payable47/48€1k-
Accrued charges and deferred income492/3€240-
Income statement
Code20242025
Non-recurring operating income76A€41k€2k▼
Remuneration, social security and pensions62€228k€278k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€163k€189k▲
Other operating charges640/8€5k€7k▲
Non-recurring operating charges66A€2k€65k▲
Gross operating margin9900€622k€705k▲
Operating profit (loss)9901€225k€165k▼
Financial income75/76B€14k€13k▼
Recurring financial income75€14k€13k▼
Financial charges65/66B€15k€18k▲
Recurring financial charges65€15k€18k▲
Profit (loss) for the period before taxes9903€224k€161k▼
Income taxes67/77€69k€51k▼
Profit (loss) for the period9904€154k€110k▼
Profit (loss) for the period to be appropriated9905€154k€110k▼
Appropriation of the result
Profit (loss) to be appropriated9906€156k€112k▼
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer from equity791/2-€598k
Transfer to equity691/2€153k€110k▼
To other reserves6921€153k€110k▼
Profit to be distributed694/7€2k€598k▲
Return on contributions (dividend)694€2k€598k▲
Social balance
Average headcount (FTE)90873.84.1▲
The notes to these accounts (19 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
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €110k ▼28.6%
Net result drops to €110k, the lowest in the series.
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 8 days late
2024
30-09
Financial
Equity above €1MEq €1.14M ▲15.4%
4 profitable years in a row build equity to €1.14M.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
02-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
11-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Aalter · 1 establishment unit since 2009
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.
De Wijngaard 289910 AalterGround area
649 m²
Building footprint
111 m²
Volume, LiDAR
731 m³
Parcel 44029A0792/00N000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AC Agro
since 20092.182.712.410
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44029A0792/00N000 | Flanders | 649 m² | 1 · 111 m² | 8.3 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 5 entries · 22,473 EUR awarded · 22,473 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 2 | 2,325 EUR | 2,325 EUR |
| 2023 | 2 | 12,409 EUR | 12,409 EUR |
| 2022 | 1 | 7,739 EUR | 7,739 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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BE 0428.035.264
Antwerpen · Eq €657k
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BE 0833.373.124
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NEW GENERATION SERVICES AND WORK
BE 0455.968.690
Oudergem · Eq €656k
BOUWONDERNEMING MILLIAU
BE 0869.931.533
Temse · Eq €660k
SCHEPERS
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Oudsbergen · Eq €660k
Of 15,543 companies in sector 43990 we hold annual accounts for 7,421. 4,042 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2009
Fiscal year end30-09
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
43120Site preparation
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.