AGRITERRASSEMENT
ActiveAGRITERRASSEMENT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €477k and a net result of €132k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 76% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+21
Solvency97▲+33
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 3.04 against 1.37 in 2024; short-term debt: 27.3% and cash: 54% of total assets), and 28.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
71.6%
Return on assets
19.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
3 d late
2023
on the day
2022
on the day
2021
on the day
2020
2 d early
2019
25 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€477k▲ 19.2%
2024 · €400k
2019: €284k
2020: €303k
2021: €329k
2022: €364k
2023: €371k
2024: €400k
2019 → 2025
Total assets
€667k▼ 34.7%
2024 · €1.02M
2019: €609k
2020: €611k
2021: €872k
2022: €711k
2023: €733k
2024: €1.02M
2019 → 2025
Net result
€132k▲ 342%
2024 · €30k
2019: €20k
2020: €23k
2021: €25k
2022: €36k
2023: €6k
2024: €30k
2019 → 2025
Working capital
€372k▲ 64.3%
2024 · €226k
2019: €151k
2020: €202k
2021: €117k
2022: €252k
2023: €253k
2024: €226k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€329k-€364k▲ 10.7%€371k▲ 1.8%€400k▲ 8.0%€477k▲ 19.2%
Operating result€34k-€36k▲ 7.1%€10k▼ 72.3%€49k▲ 386%€193k▲ 296%
Net result€25k-€36k▲ 42.5%€6k▼ 82.2%€30k▲ 362%€132k▲ 342%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 296% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €667k
Fixed assets
€112k▼ 40.1%
Current assets
€554k▼ 33.4%
Equity and liabilities €667k
Equity
€477k▲ 19.2%
Debt
€189k▼ 69.4%
The debt ratio falls from 60.8% to 28.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€268k▲
2024 · €100k
Cash flow
€207k▲
2024 · €81k
Solvency
71.6%▲
2024 · 39.2%
Current ratio
3.04▲
2024 · 1.37
Quick ratio
3.04▲
2024 · 1.37
Debt / equity
0.40▼
2024 · 1.55
ROE
27.6%▲
2024 · 7.4%
ROA
19.8%▲
2024 · 2.9%
Interest coverage
593.88▲
2024 · 162.64
Debt
€189k▼
2024 · €620k
Debt ≤ 1 year
€182k▼
2024 · €606k
Income taxes
€64k▲
2024 · €21k
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€1.02M€667k▼
Fixed assets21/28€188k€112k▼
Tangible fixed assets22/27€188k€112k▼
Land and buildings22€39k€30k▼
Plant, machinery and equipment23€135k€78k▼
Furniture and vehicles24€14k€5k▼
Current assets29/58€833k€554k▼
Amounts receivable within one year40/41€107k€191k▲
Trade receivables40€22k€141k▲
Other amounts receivable41€85k€50k▼
Cash at bank and in hand54/58€722k€360k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.02M€667k▼
Equity10/15€400k€477k▲
Contributions10/11€50k€50k=
Reserves13€201k€276k▲
Distributable reserves133€201k€276k▲
Profit (loss) carried forward14€150k€152k▲
Amounts payable17/49€620k€189k▼
Amounts payable after more than one year17€8k-
Financial debts170/4€8k-
Amounts payable within one year42/48€606k€182k▼
Financial debts43€30k€8k▼
Other loans439€30k€8k▼
Trade debts44€566k€145k▼
Suppliers440/4€566k€145k▼
Taxes, remuneration and social security45€10k€25k▲
Taxes450/3€10k€25k▲
Other amounts payable47/48-€5k
Accrued charges and deferred income492/3€6k€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€75k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€103k€272k▲
Operating profit (loss)9901€49k€193k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€613€452▼
Recurring financial charges65€613€452▼
Profit (loss) for the period before taxes9903€51k€196k▲
Income taxes67/77€21k€64k▲
Profit (loss) for the period9904€30k€132k▲
Profit (loss) for the period to be appropriated9905€30k€132k▲
Appropriation of the result
Profit (loss) to be appropriated9906€179k€282k▲
Profit (loss) brought forward from the previous period14P€149k€150k▲
Transfer from equity791/2-€55k
Transfer to equity691/2€29k€130k▲
To other reserves6921€29k€130k▲
Profit to be distributed694/7-€55k
Return on contributions (dividend)694-€55k
The notes to these accounts (8 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €132k ▲342%
Operating result €193k, net result €132k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 3.04
Current ratio from 1.37 to 3.04; short-term debt falls from €606k to €182k.
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €6k ▼82.2%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
26-01
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Celles (lez-Tournai) · 1 establishment unit since 2008
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.
Rue Delvourgue (VEL) 297760 Celles (lez-Tournai)Ground area
2,275 m²
Building footprint
525 m²
Volume, LiDAR
3,229 m³
Parcel 57083D0409/00F000, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AGRITERRASSEMENT
since 20082.173.376.159
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57083D0409/00F000 | Wallonia | 2,275 m² | 1 · 525 m² | 9.0 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.
Recognitions · licences · registrations
Recognised contractor
2 categoriesAGRITERRASSEMENT SRL46143
Food safety, FASFC
1 siteCelles (Ht.)2.173.376.159
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Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,207 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2008
Fiscal year end30-06
Activities, NACEBEL
01130Growing of vegetables, melons, roots and tubers
43120Site preparation
01110Growing of cereals (except rice), leguminous crops and oil seeds
01610Support activities for crop production
33120Repair and maintenance of machinery
42911Civil engineering
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.