AGRIVAUX
ActiveThe annual accounts of AGRIVAUX for fiscal year 2025 show a net loss of 604% of the equity at the start of that year. The 2025 annual accounts show equity of €106k and a net result of €-293k. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 11% of 4860 sector peers (fiscal year 2025). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency33▲+4
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.02 against 1.07 in 2024; short-term debt: 73.6% and cash: 3.4% of total assets), and 91.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
8.4%
Return on assets
-23.4%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 4860 sector peers (2025).
NBB · sector comparisonPosition among 4860 sector peers
Solvency
better than 11%
← weakest
strongest →
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 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
4 d early
2022
28 d late
2021
2 d early
2020
27 d late
2019
1 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 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-293k▼ 13.2%
2024 · €-259k
2019: €-4k
2020: €6k
2021: €4k
2022: €188k
2023: €10k
2024: €-259k
2019 → 2025
Working capital
€22k▼ 68.1%
2024 · €70k
2019: €35k
2020: €50k
2021: €90k
2022: €26k
2023: €26k
2024: €70k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€113k-€297k▲ 162%€307k▲ 3.5%€49k▼ 84.2%€106k▲ 118%
Operating result€18k-€246k▲ 1,290%€68k▼ 72.4%€-225k€-256k▼ 13.5%
Net result€4k-€188k▲ 4,536%€10k▼ 94.5%€-259k€-293k▼ 13.2%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €256k in 2025 against €225k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.25M
Fixed assets
€308k▲ 7.7%
Current assets
€945k▼ 13.4%
Equity and liabilities €1.25M
Equity
€106k▲ 118%
Debt
€1.15M▼ 13.6%
The debt ratio falls from 96.5% to 91.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-132k▼
2024 · €-114k
Cash flow
€-169k▼
2024 · €-148k
Solvency
8.4%▲
2024 · 3.5%
Current ratio
1.02▼
2024 · 1.07
Quick ratio
0.55▲
2024 · 0.29
Debt / equity
10.87▼
2024 · 27.37
ROE
-277.6%▲
2024 · -533.4%
ROA
-23.4%▼
2024 · -18.8%
Interest coverage
-3.54▼
2024 · -2.56
Debt
€1.15M▼
2024 · €1.33M
Debt ≤ 1 year
€922k▼
2024 · €1.02M
Debt > 1 year
€225k▼
2024 · €308k
Income taxes
€1k▲
2024 · €347
Staff costs
€247k▼
2024 · €269k
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€1.38M€1.25M▼
Fixed assets21/28€286k€308k▲
Intangible fixed assets21€195k€235k▲
Tangible fixed assets22/27€76k€58k▼
Plant, machinery and equipment23€29k€28k▼
Furniture and vehicles24€46k€28k▼
Other tangible fixed assets26€1k€2k▲
Financial fixed assets28€14k€15k▲
Current assets29/58€1.09M€945k▼
Stocks and contracts in progress3€794k€440k▼
Stocks30/36€794k€440k▼
Amounts receivable within one year40/41€216k€431k▲
Trade receivables40€190k€394k▲
Other amounts receivable41€27k€37k▲
Cash at bank and in hand54/58€54k€42k▼
Deferred charges and accrued income490/1€27k€31k▲
Equity and liabilities
Total equity and liabilities10/49€1.38M€1.25M▼
Equity10/15€49k€106k▲
Contributions10/11€112k€462k▲
Capital10€112k€462k▲
Issued capital100€112k€462k▲
Reserves13€14k€14k=
Non-distributable reserves130/1€11k€11k=
Legal reserve130€11k€11k=
Tax-exempt reserves132€3k€3k=
Profit (loss) carried forward14€-77k€-370k▼
Amounts payable17/49€1.33M€1.15M▼
Amounts payable after more than one year17€308k€225k▼
Financial debts170/4€308k€225k▼
Amounts payable within one year42/48€1.02M€922k▼
Current portion of amounts payable after more than one year42€154k€83k▼
Financial debts43€150k€250k▲
Credit institutions430/8€150k€250k▲
Trade debts44€116k€163k▲
Suppliers440/4€116k€163k▲
Advances received on contracts in progress46€115k€197k▲
Taxes, remuneration and social security45€24k€42k▲
Taxes450/3€8k€7k▼
Remuneration and social security454/9€16k€34k▲
Other amounts payable47/48€462k€188k▼
Income statement
Code20242025
Non-recurring operating income76A€222k€11k▼
Remuneration, social security and pensions62€269k€247k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€111k€124k▲
Other operating charges640/8€15k€14k▼
Non-recurring operating charges66A€116k€12k▼
Gross operating margin9900€285k€141k▼
Operating profit (loss)9901€-225k€-256k▼
Financial income75/76B€12k€1k▼
Recurring financial income75€12k€1k▼
Financial charges65/66B€45k€37k▼
Recurring financial charges65€45k€37k▼
Profit (loss) for the period before taxes9903€-258k€-292k▼
Income taxes67/77€347€1k▲
Profit (loss) for the period9904€-259k€-293k▼
Profit (loss) for the period to be appropriated9905€-259k€-293k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-77k€-370k▼
Profit (loss) brought forward from the previous period14P€182k€-77k▼
Social balance
Average headcount (FTE)90873.74.3▲
The notes to these accounts (16 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Weakest financial yearnet €-293k
Net result drops to €-293k, the lowest in the series.
30-06
Financial
Equity above €100kEq €106k ▲118%
Equity rises from €49k to €106k.
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
31-03
Financial
Highest result since 2019net €188k ▲4536%
Operating result €246k, net result €188k, both a record.
31-03
Financial
Equity above €200kEq €297k ▲162%
3 profitable years in a row build equity to €297k.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
31-03
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
27-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Charleroi · 1 establishment unit since 1993
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.
Avenue Jean Mermoz 16041 CharleroiGround area
7,777 m²
Building footprint
1,849 m²
Volume, LiDAR
17,432 m³
Parcel 52028B0299/04G000, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Avenue Jean Mermoz 1, 6041 Charleroi
since 19932.062.824.467
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028B0299/04G000 | Wallonia | 7,777 m² | 1 · 1,849 m² | 10.7 m · 3 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.
Similar companies · same sector, comparable size
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dopo
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Roeselare · Eq €106k
OVS NAV
BE 0801.081.032
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CARDINAELS
BE 0461.171.652
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1 2 3 CARLENS
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Remicourt · Eq €112k
Of 806 companies in sector 46610 we hold annual accounts for 566. 370 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded25-06-1993
Fiscal year end30-06
Activities, NACEBEL
46610Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.