AGRACO
ActiveAGRACO has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €422. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 44% of 4410 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent▼ -15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-41
Solvency76▼-24
Growth58=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.9 against 12.22 in 2024), but 65.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
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
34.6%
Return on assets
0.3%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €56k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
37 d early
2023
13 d early
2022
26 d early
2021
22 d late
2020
30 d late
2019
180 d late
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 0.8%
2024 · €55k
2018: €58k
2019: €58k
2020: €55k
2021: €56k
2022: €57k
2023: €50k
2024: €55k
2018 → 2025
Total assets
€161k▲ 110%
2024 · €76k
2018: €84k
2019: €82k
2020: €87k
2021: €83k
2022: €86k
2023: €75k
2024: €76k
2018 → 2025
Net result
€422▼ 91.6%
2024 · €5k
2018: €-4k
2019: €738
2020: €-3k
2021: €2k
2022: €562
2023: €2k
2024: €5k
2018 → 2025
Working capital
€40k▼ 23.4%
2024 · €52k
2018: €79k
2019: €79k
2020: €75k
2021: €76k
2022: €78k
2023: €44k
2024: €52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€56k-€57k▲ 1.0%€50k▼ 11.9%€55k▲ 10.0%€56k▲ 0.8%
Operating result€2k-€430▼ 73.9%€3k▲ 497%€6k▲ 131%€2k▼ 59.8%
Net result€2k-€562▼ 64.8%€2k▲ 290%€5k▲ 129%€422▼ 91.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 60% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €161k
Fixed assets
€99k▲ 413%
Current assets
€61k▲ 7.3%
Equity and liabilities €161k
Equity
€56k▲ 0.8%
Debt
€105k▲ 396%
The debt ratio rises from 27.7% to 65.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€13k▲
2024 · €10k
Cash flow
€11k▲
2024 · €9k
Solvency
34.6%▼
2024 · 72.3%
Current ratio
2.90▼
2024 · 12.22
Quick ratio
2.90▼
2024 · 12.22
Debt / equity
1.89▲
2024 · 0.38
ROE
0.8%▼
2024 · 9.1%
ROA
0.3%▼
2024 · 6.6%
Interest coverage
6.61▼
2024 · 36.54
Debt
€105k▲
2024 · €21k
Debt ≤ 1 year
€21k▲
2024 · €5k
Debt > 1 year
€84k▲
2024 · €17k
Income taxes
€0▼
2024 · €751
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€76k€161k▲
Fixed assets21/28€19k€99k▲
Tangible fixed assets22/27€19k€99k▲
Plant, machinery and equipment23€19k€16k▼
Furniture and vehicles24-€84k
Current assets29/58€57k€61k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€14k€17k▲
Trade receivables40€12k€16k▲
Other amounts receivable41€1k€462▼
Cash at bank and in hand54/58€43k€44k▲
Equity and liabilities
Total equity and liabilities10/49€76k€161k▲
Equity10/15€55k€56k▲
Contributions10/11€33k€33k=
Reserves13€22k€23k▲
Distributable reserves133€22k€23k▲
Amounts payable17/49€21k€105k▲
Amounts payable after more than one year17€17k€84k▲
Financial debts170/4-€67k
Other amounts payable178/9€17k€17k=
Amounts payable within one year42/48€5k€21k▲
Current portion of amounts payable after more than one year42-€8k
Trade debts44€4k€13k▲
Suppliers440/4€4k€13k▲
Taxes, remuneration and social security45€751€0▼
Taxes450/3€751€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€11k▲
Other operating charges640/8€651€727▲
Gross operating margin9900€10k€14k▲
Operating profit (loss)9901€6k€2k▼
Financial income75/76B€118€69▼
Recurring financial income75€118€69▼
Financial charges65/66B€263€2k▲
Recurring financial charges65€263€2k▲
Profit (loss) for the period before taxes9903€6k€422▼
Income taxes67/77€751€0▼
Profit (loss) for the period9904€5k€422▼
Profit (loss) for the period to be appropriated9905€5k€422▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€422▼
Transfer to equity691/2€5k€422▼
To other reserves6921€5k€422▼
The notes to these accounts (15 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €5k ▲129%
Operating result €6k, net result €5k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 12.22
Current ratio from 6.02 to 12.22; short-term debt falls from €9k to €5k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 180 days late
2019
31-12
Financial
Back to profitnet €738
Net result €738 after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
22-06
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
8 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, Bocholt · 1 establishment unit since 2005
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.
Elshoven 43950 BocholtGround area
1.2 ha
Building footprint
386 m²
Volume, LiDAR
2,160 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Agraco CVBA
since 20052.148.094.001
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72003A0014/00C010 | Flanders | 8,536 m² | 1 · 163 m² | 9.2 m · 2 fl. |
| 72016D0336/00F000 | Flanders | 3,283 m² | 1 · 223 m² | 8.0 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBocholt2.148.094.001
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Of 21,155 companies in sector 81300 we hold annual accounts for 4,344. 3,609 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded28-06-2005
Fiscal year end31-12
Activities, NACEBEL
01410Raising of dairy cattle
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.