AGRAMAR
ActiveSummary
AGRAMAR has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €441,044 and a net result of -€73,270. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 25% of 3158 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability67▼-2
Solvency34=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity short (current ratio 0.14 against 0.39 in 2024; short-term debt: 80.7% and cash: 1.8% of total assets), and 91.1% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Crop and animal production, hunting and related service activities (NACE 01)
about 70% fewer bankruptcies
← 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 3158 sector peers (2025).
NBB · sector comparisonPosition among 3158 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
29 d late
2022
31 d late
2021
22 d late
2020
66 d early
2019
4 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 37% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#2 company by total assets in Diksmuide, Agriculture, forestry and fishing sector#6 oldest company in Diksmuide, Agriculture, forestry and fishing sector
Equity
€441,044▼ 14.2%
2024 · €514,314
Total assets
€5.0m▼ 11.1%
2024 · €5.6m
Net result
-€73,270
2024 · €2,471
Working capital
-€3.4m▼ 47.4%
2024 · -€2.3m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 01, Crop and animal production, hunting and related service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€98,744€68,491€137,028▲ 100%€16,787▼ 87.7%-€63,686
Net result-€99,334below the sector's middle half€69,259above the sector's middle half€137,811above the sector's middle half▲ 99.0%€2,471within the sector's middle half▼ 98.2%-€73,270below the sector's middle half
Equity€304,773above the sector's middle half▼ 25.1%€374,032above the sector's middle half▲ 22.7%€511,842above the sector's middle half▲ 36.8%€514,314above the sector's middle half▲ 0.5%€441,044above the sector's middle half▼ 14.2%
Total assets€3.0mabove the sector's middle half▲ 35.0%€3.0mabove the sector's middle half▲ 0.7%€4.5mabove the sector's middle half▲ 49.1%€5.6mabove the sector's middle half▲ 24.7%€5.0mabove the sector's middle half▼ 11.1%
Debt€2.7m▲ 48.6%€2.6m▼ 1.8%€4.0m▲ 50.9%€5.1m▲ 27.8%€4.5m▼ 10.8%
Working capital-€1.5m▼ 114%-€1.4m▲ 6.0%-€2.9m▼ 110%-€2.3m▲ 19.3%-€3.4m▼ 47.4%
Solvency10.2%within the sector's middle half▼ 8.2pp12.4%within the sector's middle half▲ 2.2pp11.4%within the sector's middle half▼ 1.0pp9.2%within the sector's middle half▼ 2.2pp8.9%below the sector's middle half▼ 0.3pp
above
within
below
the middle half (P25 to P75) of NACE 01, Crop and animal production, hunting and related service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €63,686 after €16,787 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.0m
Fixed assets
€4.4m ▲ 8.3%
Current assets
€563,742 ▼ 63.0%
Equity and liabilities €5.0m
Equity
€441,044 ▼ 14.2%
Debt
€4.5m ▼ 10.8%
Debt's share of the balance-sheet total rises from 90.8% to 91.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€134,295▼
2024 · €195,135
Cash flow
€124,711▼
2024 · €180,819
Current ratio
0.14▼
2024 · 0.39
Debt to equity
10.27▲
2024 · 9.88
ROE
-16.6%▼
2024 · 0.5%
ROA
-1.5%▼
2024 · 0.0%
Interest coverage
13.96▼
2024 · 45.50
Debt ≤ 1 year
€4.0m▲
2024 · €3.9m
Debt > 1 year
€500,000▼
2024 · €1.2m
Income taxes
€390▼
2024 · €10,546
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,102 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 94% are still going.
- Small
- 20 years or older
- solvency under 10%
- a small loss
1.5%
went bankrupt
3.5%
stopped otherwise
94%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,102 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €18,385 | €0 | - | €3,500 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €199,927 | €117,497 | €118,322 | €178,348 | €197,981 | ▲ 11.0% |
| Other operating charges640/8 | €7,106 | €7,530 | €8,269 | €9,272 | €9,610 | ▲ 3.6% |
| Non-recurring operating charges66A | €0 | - | - | - | - | - |
| Gross operating margin9900 | €108,290 | €193,518 | €263,619 | €204,407 | €143,905 | ▼ 29.6% |
| Operating profit (loss)9901 | -€98,744 | €68,491 | €137,028 | €16,787 | -€63,686 | ▼ 479% |
| Financial income75/76B | €252 | €4,195 | €1,484 | €519 | €424 | ▼ 18.4% |
| Recurring financial income75 | €252 | €4,195 | €1,484 | €519 | €424 | ▼ 18.4% |
| Financial charges65/66B | €571 | €297 | €260 | €4,289 | €9,617 | ▲ 124% |
| Recurring financial charges65 | €571 | €297 | €260 | €4,289 | €9,617 | ▲ 124% |
| Profit (loss) for the period before taxes9903 | -€99,063 | €72,388 | €138,251 | €13,017 | -€72,879 | ▼ 660% |
| Income taxes67/77 | €271 | €3,129 | €441 | €10,546 | €390 | ▼ 96.3% |
| Profit (loss) for the period9904 | -€99,334 | €69,259 | €137,811 | €2,471 | -€73,270 | ▼ 3,065% |
| Profit (loss) for the period to be appropriated9905 | -€99,334 | €69,259 | €137,811 | €2,471 | -€73,270 | ▼ 3,065% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.0m | €3.0m | €4.5m | €5.6m | €5.0m | ▼ 11.1% |
| Fixed assets21/28 | €2.8m | €2.7m | €3.9m | €4.1m | €4.4m | ▲ 8.3% |
| Intangible fixed assets21 | - | €4,060 | €3,118 | €2,176 | €1,234 | ▼ 43.3% |
| Tangible fixed assets22/27 | €2.8m | €2.7m | €3.9m | €4.1m | €4.4m | ▲ 8.4% |
| Land and buildings22 | €2.5m | €2.4m | €3.3m | €3.5m | €3.5m | ▲ 0.1% |
| Plant, machinery and equipment23 | €30,087 | €26,317 | €72,332 | €85,337 | €151,757 | ▲ 77.8% |
| Furniture and vehicles24 | €292,042 | €234,248 | €500,723 | €496,075 | €766,580 | ▲ 54.5% |
| Leasing and similar rights25 | - | - | €10,150 | €0 | - | - |
| Other tangible fixed assets26 | - | - | - | €9,062 | €7,974 | ▼ 12.0% |
| Financial fixed assets28 | €4,387 | €9,452 | €9,452 | €9,452 | €9,452 | = |
| Current assets29/58 | €209,928 | €289,671 | €564,764 | €1.5m | €563,742 | ▼ 63.0% |
| Stocks and contracts in progress3 | €68,045 | €94,019 | €95,035 | €120,000 | €0 | ▼ 100% |
| Stocks30/36 | €68,045 | €94,019 | €95,035 | €120,000 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €52,047 | €79,992 | €408,857 | €458,685 | €466,025 | ▲ 1.6% |
| Trade receivables40 | €41,060 | €79,992 | €401,893 | €458,625 | €456,289 | ▼ 0.5% |
| Other amounts receivable41 | €10,987 | €0 | €6,963 | €60 | €9,735 | ▲ 16,013% |
| Cash at bank and in hand54/58 | €81,582 | €106,430 | €51,757 | €812,432 | €88,582 | ▼ 89.1% |
| Deferred charges and accrued income490/1 | €8,254 | €9,231 | €9,114 | €134,000 | €9,135 | ▼ 93.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.0m | €3.0m | €4.5m | €5.6m | €5.0m | ▼ 11.1% |
| Equity10/15 | €304,773 | €374,032 | €511,842 | €514,314 | €441,044 | ▼ 14.2% |
| Contributions10/11 | €400,000 | €400,000 | €400,000 | €400,000 | €400,000 | = |
| Reserves13 | €51,087 | €51,087 | €111,842 | €114,314 | €41,044 | ▼ 64.1% |
| Non-distributable reserves130/1 | €15,463 | €15,463 | €0 | - | - | - |
| Reserves not available under the articles1311 | €15,463 | €15,463 | €0 | - | - | - |
| Distributable reserves133 | €35,625 | €35,625 | €111,842 | €114,314 | €41,044 | ▼ 64.1% |
| Profit (loss) carried forward14 | -€146,314 | -€77,056 | €0 | - | - | - |
| Amounts payable17/49 | €2.7m | €2.6m | €4.0m | €5.1m | €4.5m | ▼ 10.8% |
| Amounts payable after more than one year17 | €1.0m | €949,067 | €500,000 | €1.2m | €500,000 | ▼ 57.4% |
| Financial debts170/4 | €1.0m | €949,067 | €500,000 | €1.2m | €500,000 | ▼ 57.4% |
| Amounts payable within one year42/48 | €1.7m | €1.7m | €3.5m | €3.9m | €4.0m | ▲ 3.8% |
| Current portion of amounts payable after more than one year42 | €54,400 | €54,400 | €9,067 | €75,000 | €0 | ▼ 100% |
| Trade debts44 | €47,720 | €38,189 | €144,900 | €141,460 | €77,619 | ▼ 45.1% |
| Suppliers440/4 | €47,720 | €38,189 | €144,900 | €141,460 | €77,619 | ▼ 45.1% |
| Taxes, remuneration and social security45 | €696 | €5,729 | €3,161 | €10,398 | €6,229 | ▼ 40.1% |
| Taxes450/3 | €696 | €5,729 | €3,161 | €10,398 | €6,229 | ▼ 40.1% |
| Other amounts payable47/48 | €1.6m | €1.6m | €3.3m | €3.6m | €3.9m | ▲ 8.0% |
| Accrued charges and deferred income492/3 | €166 | €14,953 | €13,330 | €42,375 | €20,469 | ▼ 51.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€99,334 | €69,259 | €137,811 | €2,471 | -€73,270 | ▼ 3,065% |
| + Depreciation and write-downs630 | €199,927 | €117,497 | €118,322 | €178,348 | €197,981 | ▲ 11.0% |
| Operating cash flow (approximation) | €100,593 | €186,756 | €256,133 | €180,819 | €124,711 | ▼ 31.0% |
| Investment in fixed assets (approximation) | - | -€59,081 | -€1.3m | -€325,544 | -€535,902 | ▼ 64.6% |
| Change in cash | - | €24,848 | -€54,672 | €760,675 | -€723,850 | ▼ 195% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €137,811 ▲99%
Operating result €137,028, net result €137,811, both a record.
31-12
Financial
Equity above €500,000Eq €511,842 ▲36.8%
2 profitable years in a row build equity to €511,842.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €69,259
Net result €69,259 after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Weakest financial yearnet -€99,334
Net result drops to -€99,334, the lowest in the series; recovery starts the following year.
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €11,283
Net result €11,283 after one loss-making year.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
Show earlier events
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Diksmuide · 1 establishment unit since 1990
Ground area
2,069 m²
Building footprint
1,020 m²
Volume, LiDAR
6,768 m³
Parcel 32003D0722/00Y009, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bloemmolenkaai(D) 8, 8600 Diksmuide
since 19902.047.047.913
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32003D0722/00Y009 | Flanders | 2,069 m² | 1 · 1,020 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 2025 · 8 entries · 123,693 EUR awarded · 123,693 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 61,377 EUR | 61,377 EUR |
| 2024 | 2 | 31,961 EUR | 31,961 EUR |
| 2023 | 3 | 3,068 EUR | 3,068 EUR |
| 2022 | 2 | 27,287 EUR | 27,287 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteDiksmuide2.047.047.913
Similar companies · same sector, comparable size
LEONARD DOYEN
BE 0441.527.667
Faimes · Eq €440,843
LANDBOUWBEDRIJF GALLE
BE 0461.056.143
Koksijde · Eq €441,444
Entreprises Eloi Godart
BE 0421.488.358
Quévy · Eq €440,220
DELFORGE AGRI
BE 0438.397.042
Juprelle · Eq €442,209
AGRICORSO
BE 0828.046.834
Faimes · Eq €442,703
Of 20,584 companies in sector 01500 we hold annual accounts for 1,149. 917 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-12-1989
Fiscal year end31-12
Activities, NACEBEL 2025
01500Mixed farming
E-invoicing
Reachable via Peppol
Peppol ID
0208:0439851349
Also
9925:BE0439851349
Registered
27-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.