AGRIVERT
ActiveSummary
AGRIVERT has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €657,782 and a net result of €103,989. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 60% of 4231 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▼-2
Solvency71▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50,000 at 30 days acceptable
Liquidity ample (current ratio 3.83 against 4.95 in 2024; short-term debt: 15.5% and cash: 36.8% of total assets), but 54.4% of the assets are financed with debt.
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Signals
Five 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
45.6%
Return on assets
7.2%
Age of the figures
9 mo
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
21 d early
2023
27 d late
2022
10 d early
2021
46 d early
2020
34 d early
2019
39 d early
← 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 25 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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. Usually files around 10 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€103,989▼ 26.7%
2024 · €141,883
Working capital
€634,542▼ 12.3%
2024 · €723,870
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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€133,609▼ 35.1%€65,100▼ 51.3%€139,817▲ 115%€254,202▲ 81.8%€181,079▼ 28.8%
Net result€77,873within the sector's middle half▼ 43.9%€33,318within the sector's middle half▼ 57.2%€82,004within the sector's middle half▲ 146%€141,883above the sector's middle half▲ 73.0%€103,989within the sector's middle half▼ 26.7%
Equity€562,408within the sector's middle half▲ 6.0%€575,194within the sector's middle half▲ 2.3%€604,574within the sector's middle half▲ 5.1%€693,568within the sector's middle half▲ 14.7%€657,782within the sector's middle half▼ 5.2%
Total assets€1.0mwithin the sector's middle half▲ 4.5%€1.2mwithin the sector's middle half▲ 15.2%€1.5mwithin the sector's middle half▲ 28.3%€1.5mwithin the sector's middle half▲ 1.9%€1.4mwithin the sector's middle half▼ 5.9%
Debt€454,961▲ 2.5%€595,725▲ 30.9%€901,592▲ 51.3%€840,811▼ 6.7%€785,376▼ 6.6%
Working capital€251,446within the sector's middle half▼ 44.7%€317,017within the sector's middle half▲ 26.1%€182,494within the sector's middle half▼ 42.4%€723,870above the sector's middle half▲ 297%€634,542within the sector's middle half▼ 12.3%
Solvency55.2%within the sector's middle half▲ 0.8pp49.0%within the sector's middle half▼ 6.2pp40.1%within the sector's middle half▼ 8.9pp45.2%within the sector's middle half▲ 5.1pp45.6%within the sector's middle half▲ 0.4pp
Current ratio1.57within the sector's middle half▼ 0.481.57within the sector's middle half=1.28within the sector's middle half▼ 0.294.95above the sector's middle half▲ 3.673.83above the sector's middle half▼ 1.12
Return on assets (ROA)7.6%within the sector's middle half▼ 6.6pp2.8%within the sector's middle half▼ 4.8pp5.4%within the sector's middle half▲ 2.6pp9.2%within the sector's middle half▲ 3.8pp7.2%within the sector's middle half▼ 2.0pp
Staff (FTE)3.9within the sector's middle half▼ 13.3%3.6within the sector's middle half▼ 7.7%3.8within the sector's middle half▲ 5.6%3.9within the sector's middle half▲ 2.6%2.7below the sector's middle half▼ 30.8%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€584,611 ▼ 6.8%
Current assets
€858,547 ▼ 5.4%
Equity and liabilities €1.4m
Equity
€657,782 ▼ 5.2%
Debt
€785,376 ▼ 6.6%
Debt's share of the balance-sheet total falls from 54.8% to 54.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€240,148▼
2024 · €323,482
Cash flow
€163,058▼
2024 · €211,163
Quick ratio
2.51▼
2024 · 3.20
Debt to equity
1.19▼
2024 · 1.21
ROE
15.8%▼
2024 · 20.5%
Interest coverage
5.99▼
2024 · 6.08
Debt ≤ 1 year
€224,005▲
2024 · €183,318
Debt > 1 year
€533,954▼
2024 · €657,494
Income taxes
€42,549▼
2024 · €63,948
Staff costs
€120,625▼
2024 · €127,486
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,370 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 31,370 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €140,395 | €162,891 | €178,700 | €127,486 | €120,625 | ▼ 5.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €89,099 | €100,930 | €125,570 | €69,280 | €59,069 | ▼ 14.7% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €1,094 | €1,589 | -€2,683 | - | - | - |
| Other operating charges640/8 | €5,311 | €6,585 | €6,297 | €6,022 | €5,676 | ▼ 5.7% |
| Gross operating margin9900 | €369,508 | €337,095 | €447,702 | €456,990 | €366,448 | ▼ 19.8% |
| Operating profit (loss)9901 | €133,609 | €65,100 | €139,817 | €254,202 | €181,079 | ▼ 28.8% |
| Financial income75/76B | €5,648 | €4,996 | €7,483 | €4,862 | €5,539 | ▲ 13.9% |
| Recurring financial income75 | €5,648 | €4,996 | €7,483 | €4,862 | €5,539 | ▲ 13.9% |
| Financial charges65/66B | €17,073 | €23,853 | €42,108 | €53,233 | €40,080 | ▼ 24.7% |
| Recurring financial charges65 | €17,073 | €23,853 | €42,108 | €53,233 | €40,080 | ▼ 24.7% |
| Profit (loss) for the period before taxes9903 | €122,185 | €46,243 | €105,192 | €205,831 | €146,538 | ▼ 28.8% |
| Income taxes67/77 | €44,311 | €12,925 | €23,188 | €63,948 | €42,549 | ▼ 33.5% |
| Profit (loss) for the period9904 | €77,873 | €33,318 | €82,004 | €141,883 | €103,989 | ▼ 26.7% |
| Transfer from tax-exempt reserves789 | €31,619 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €109,493 | €33,318 | €82,004 | €141,883 | €103,989 | ▼ 26.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.0m | €1.2m | €1.5m | €1.5m | €1.4m | ▼ 5.9% |
| Fixed assets21/28 | €324,268 | €298,252 | €667,378 | €627,191 | €584,611 | ▼ 6.8% |
| Intangible fixed assets21 | - | - | - | - | €3,584 | - |
| Tangible fixed assets22/27 | €308,214 | €278,197 | €647,323 | €607,137 | €560,973 | ▼ 7.6% |
| Land and buildings22 | €242,727 | €176,969 | €462,110 | €444,035 | €425,961 | ▼ 4.1% |
| Plant, machinery and equipment23 | €7,150 | €28,259 | €145,633 | €140,892 | €125,623 | ▼ 10.8% |
| Furniture and vehicles24 | €58,338 | €72,970 | €39,581 | €22,209 | €9,389 | ▼ 57.7% |
| Financial fixed assets28 | €16,055 | €20,055 | €20,055 | €20,055 | €20,055 | = |
| Current assets29/58 | €694,194 | €875,350 | €838,788 | €907,188 | €858,547 | ▼ 5.4% |
| Stocks and contracts in progress3 | €319,417 | €284,004 | €353,869 | €320,240 | €295,517 | ▼ 7.7% |
| Stocks30/36 | €319,417 | €284,004 | €353,869 | €320,240 | €295,517 | ▼ 7.7% |
| Amounts receivable within one year40/41 | €12,048 | €18,421 | €22,128 | €23,902 | €24,133 | ▲ 1.0% |
| Trade receivables40 | €6,318 | €1,148 | €7,369 | €7,124 | €8,741 | ▲ 22.7% |
| Other amounts receivable41 | €5,730 | €17,273 | €14,758 | €16,778 | €15,392 | ▼ 8.3% |
| Cash at bank and in hand54/58 | €358,524 | €569,772 | €460,247 | €560,969 | €530,765 | ▼ 5.4% |
| Deferred charges and accrued income490/1 | €4,205 | €3,152 | €2,545 | €2,077 | €8,132 | ▲ 292% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.0m | €1.2m | €1.5m | €1.5m | €1.4m | ▼ 5.9% |
| Equity10/15 | €562,408 | €575,194 | €604,574 | €693,568 | €657,782 | ▼ 5.2% |
| Contributions10/11 | €31,000 | €31,000 | €31,000 | €31,000 | €31,000 | = |
| Reserves13 | €498,163 | €510,949 | €541,255 | €631,203 | €596,342 | ▼ 5.5% |
| Non-distributable reserves130/1 | €372,509 | €385,294 | €333,596 | €281,661 | €142,811 | ▼ 49.3% |
| Other1319 | €372,509 | €385,294 | €333,596 | €281,661 | €142,811 | ▼ 49.3% |
| Distributable reserves133 | €125,655 | €125,655 | €207,659 | €349,542 | €453,531 | ▲ 29.8% |
| Profit (loss) carried forward14 | €33,245 | €33,245 | €32,319 | €31,365 | €30,440 | ▼ 2.9% |
| Provisions and deferred taxes16 | €1,094 | €2,683 | - | - | - | - |
| Provisions for liabilities and charges160/5 | €1,094 | €2,683 | - | - | - | - |
| Other liabilities and charges164/5 | €1,094 | €2,683 | - | - | - | - |
| Amounts payable17/49 | €454,961 | €595,725 | €901,592 | €840,811 | €785,376 | ▼ 6.6% |
| Amounts payable after more than one year17 | - | €18,946 | €214,349 | €657,494 | €533,954 | ▼ 18.8% |
| Financial debts170/4 | - | €18,946 | €214,349 | €187,494 | €163,954 | ▼ 12.6% |
| Other amounts payable178/9 | - | - | - | €470,000 | €370,000 | ▼ 21.3% |
| Amounts payable within one year42/48 | €442,748 | €558,332 | €656,294 | €183,318 | €224,005 | ▲ 22.2% |
| Current portion of amounts payable after more than one year42 | - | €16,870 | €38,190 | €26,855 | €23,540 | ▼ 12.3% |
| Financial debts43 | €1,610 | €2,010 | €2,525 | €320 | - | - |
| Credit institutions430/8 | €1,610 | €2,010 | €2,525 | €320 | - | - |
| Trade debts44 | €28,131 | €12,974 | €20,220 | €7,035 | €20,659 | ▲ 194% |
| Suppliers440/4 | €28,131 | €12,974 | €20,220 | €7,035 | €20,659 | ▲ 194% |
| Taxes, remuneration and social security45 | €42,007 | €35,403 | €22,736 | €75,218 | €34,223 | ▼ 54.5% |
| Taxes450/3 | €21,515 | €13,313 | €11,978 | €65,731 | €20,448 | ▼ 68.9% |
| Remuneration and social security454/9 | €20,492 | €22,090 | €10,758 | €9,487 | €13,775 | ▲ 45.2% |
| Other amounts payable47/48 | €371,000 | €491,075 | €572,624 | €73,888 | €145,582 | ▲ 97.0% |
| Accrued charges and deferred income492/3 | €12,213 | €18,447 | €30,948 | - | €27,418 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €77,873 | €33,318 | €82,004 | €141,883 | €103,989 | ▼ 26.7% |
| + Depreciation and write-downs630 | €89,099 | €100,930 | €125,570 | €69,280 | €59,069 | ▼ 14.7% |
| Operating cash flow (approximation) | €166,973 | €134,248 | €207,575 | €211,163 | €163,058 | ▼ 22.8% |
| Investment in fixed assets (approximation) | - | -€74,913 | -€494,696 | -€29,094 | -€16,489 | ▲ 43.3% |
| Change in cash | - | €211,248 | -€109,526 | €100,722 | -€30,204 | ▼ 130% |
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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €141,883 ▲73%
Operating result €254,202, net result €141,883, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 4.95
Current ratio from 1.28 to 4.95; short-term debt falls from €656,294 to €183,318.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
21-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €33,318 ▼57.2%
Net result drops to €33,318, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
27-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €500,000Eq €530,535 ▲17.7%
3 profitable years in a row build equity to €530,535.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Marche-en-Famenne · 1 establishment unit since 1985
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.
Marche, Rue du Parc Industriel 276900 Marche-en-Famenne1 establishment unit
AGRIVERT
since 19852.025.722.660
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
0.55%
According to the 2025 annual accounts of AGRIVERT and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMarche-en-Famenne2.025.722.660
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Of 3,390 companies in sector 47761 we hold annual accounts for 1,156. 771 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
Founded11-10-1984
Fiscal year end31-12
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
47762Retail sale of pets, pet food and pet supplies
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0426422589
Registered
03-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.