Agro Fluyt
ActiveThe computed 12-month bankruptcy probability of Agro Fluyt is 1.7% (moderate). The annual accounts of Agro Fluyt for fiscal year 2025 show a net loss of 60% of the equity at the start of that year. The 2025 annual accounts show equity of €3k and a net result of €-5k. Equity is shrinking by ~78.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 21% of 11209 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
36
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▲+14
Solvency28▼-4
Growth58=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit 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 short (current ratio 0.29 against 0.33 in 2024; short-term debt: 97.2% and cash: 24.5% of total assets), and 97.2% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
2.8%
Return on assets
-4.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year €-5k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 11209 sector peers (2025).
NBB · sector comparisonPosition among 11209 sector peers
Solvency
better than 21%
← 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
23 d late
2022
4 d early
2021
26 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 60.0%
2024 · €8k
2021: €115k
2022: €82k
2023: €43k
2024: €8k
2021 → 2025
Total assets
€122k▼ 2.9%
2024 · €125k
2021: €169k
2022: €135k
2023: €128k
2024: €125k
2021 → 2025
Net result
€-5k▲ 85.2%
2024 · €-34k
2021: €-35k
2022: €-33k
2023: €-39k
2024: €-34k
2021 → 2025
Working capital
€-84k▼ 8.6%
2024 · €-78k
2021: €34k
2022: €-20k
2023: €-59k
2024: €-78k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€82k▼ 28.7%€43k▼ 47.9%€8k▼ 80.3%€3k▼ 60.0%
Operating result€-34k-€-33k▲ 4.2%€-39k▼ 18.9%€-34k▲ 12.9%€-5k▲ 86.2%
Net result€-35k-€-33k▲ 4.2%€-39k▼ 19.0%€-34k▲ 12.8%€-5k▲ 85.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €34k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€88k▲ 1.9%
Current assets
€34k▼ 13.4%
Equity and liabilities €122k
Equity
€3k▼ 60.0%
Debt
€118k▲ 1.3%
The debt ratio rises from 93.2% to 97.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-2k▲
2024 · €-31k
Cash flow
€-2k▲
2024 · €-31k
Solvency
2.8%▼
2024 · 6.8%
Current ratio
0.29▼
2024 · 0.33
Quick ratio
0.29▼
2024 · 0.33
Debt / equity
34.97▲
2024 · 13.81
ROE
-150.1%▲
2024 · -406.7%
ROA
-4.2%▲
2024 · -27.5%
Interest coverage
-5.00▲
2024 · -107.04
Debt
€118k▲
2024 · €117k
Debt ≤ 1 year
€118k▲
2024 · €117k
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€125k€122k▼
Fixed assets21/28€86k€88k▲
Intangible fixed assets21€8k€12k▲
Tangible fixed assets22/27€76k€73k▼
Plant, machinery and equipment23€17k€14k▼
Furniture and vehicles24€0-
Assets under construction and advance payments27€59k€59k=
Financial fixed assets28€3k€3k=
Current assets29/58€39k€34k▼
Amounts receivable within one year40/41€15k€4k▼
Trade receivables40€2k€3k▲
Other amounts receivable41€13k€1k▼
Cash at bank and in hand54/58€24k€30k▲
Equity and liabilities
Total equity and liabilities10/49€125k€122k▼
Equity10/15€8k€3k▼
Contributions10/11€150k€150k=
Profit (loss) carried forward14€-142k€-147k▼
Amounts payable17/49€117k€118k▲
Amounts payable within one year42/48€117k€118k▲
Trade debts44€51k€53k▲
Suppliers440/4€51k€53k▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€65k€65k▼
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€1k€629▼
Gross operating margin9900€-30k€-1k▲
Operating profit (loss)9901€-34k€-5k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€288€353▲
Recurring financial charges65€288€353▲
Profit (loss) for the period before taxes9903€-34k€-5k▲
Profit (loss) for the period9904€-34k€-5k▲
Profit (loss) for the period to be appropriated9905€-34k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-142k€-147k▼
Profit (loss) brought forward from the previous period14P€-107k€-142k▼
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Overijse · 1 establishment unit since 2020
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.
Schapenweg 243090 OverijseGround area
7,402 m²
Building footprint
516 m²
Volume, LiDAR
3,441 m³
2 parcels, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Agro Fluyt
since 20202.299.980.064
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23544C0109/00W003 | Flanders | 4,901 m² | 1 · 293 m² | 10.0 m · 2 fl. |
| 23544D0682/00R003 | Flanders | 2,502 m² | 1 · 223 m² | 10.4 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 4 entries · 1,288 EUR awarded · 1,288 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 410 EUR | 410 EUR |
| 2024 | 1 | 400 EUR | 400 EUR |
| 2023 | 2 | 478 EUR | 478 EUR |
Schemes
Subsidie voor controlekosten voor de biologische landbouw
Hectaresteun voor de toepassing van de biologische productiemethode
Recognitions · licences · registrations
Food safety, FASFC
1 siteOverijse2.299.980.064
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Of 409 companies in sector 46110 we hold annual accounts for 173. 35 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-02-2020
Fiscal year end31-12
Activities, NACEBEL
46110Wholesale trade
01240Growing of pome and stone fruits
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.