AGRO KERKOM
ActiveSummary
AGRO KERKOM has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €121k and a net result of €-3k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 54% of 3121 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▼-20
Solvency62=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 2.62 in 2024; short-term debt: 14.5% and cash: 21.9% of total assets), but 63.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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
Sector 01
lower
← 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
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
86 d early
2023
27 d early
2022
32 d early
2021
6 d early
2020
32 d early
2019
31 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€121k▼ 2.7%
2024 · €124k
2018: €54k
2019: €43k
2020: €64k
2021: €67k
2022: €80k
2023: €105k
2024: €124k
2018 → 2025
Total assets
€327k▼ 1.3%
2024 · €331k
2018: €195k
2019: €158k
2020: €191k
2021: €239k
2022: €191k
2023: €336k
2024: €331k
2018 → 2025
Net result
€-3k
2024 · €19k
2018: €12k
2019: €-10k
2020: €21k
2021: €3k
2022: €13k
2023: €26k
2024: €19k
2018 → 2025
Working capital
€43k▼ 39.6%
2024 · €72k
2018: €43k
2019: €40k
2020: €48k
2021: €48k
2022: €61k
2023: €51k
2024: €72k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€80k▲ 18.7%€105k▲ 32.0%€124k▲ 17.6%€121k▼ 2.7%
Operating result€7k-€20k▲ 187%€37k▲ 82.5%€33k▼ 11.6%€2k▼ 93.3%
Net result€3k-€13k▲ 285%€26k▲ 103%€19k▼ 27.5%€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 93% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €327k
Fixed assets
€236k ▲ 9.8%
Current assets
€91k ▼ 21.9%
Equity and liabilities €327k
Equity
€121k ▼ 2.7%
Provisions
€2k ▼ 33.3%
Debt
€204k =
Debt's share of the balance-sheet total rises from 61.6% to 62.5%. Equity is lower.
Key figures and ratios
EBITDA
€30k▼
2024 · €61k
Cash flow
€25k▼
2024 · €46k
Current ratio
1.91▼
2024 · 2.62
Quick ratio
1.79▼
2024 · 2.48
Debt to equity
1.69▲
2024 · 1.65
ROE
-2.7%▼
2024 · 14.9%
ROA
-1.0%▼
2024 · 5.6%
Interest coverage
4.67▼
2024 · 8.03
Debt ≤ 1 year
€48k▲
2024 · €44k
Debt > 1 year
€157k▼
2024 · €160k
Income taxes
€222▼
2024 · €8k
Staff costs
€21k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€331k€327k▼
Fixed assets21/28€215k€236k▲
Tangible fixed assets22/27€215k€236k▲
Land and buildings22€127k€127k=
Plant, machinery and equipment23€3k€30k▲
Furniture and vehicles24€6k€17k▲
Leasing and similar rights25€60k€45k▼
Other tangible fixed assets26€19k€17k▼
Current assets29/58€116k€91k▼
Stocks and contracts in progress3€6k€6k▼
Stocks30/36€6k€6k▼
Amounts receivable within one year40/41€9k€12k▲
Trade receivables40€5k€1k▼
Other amounts receivable41€3k€11k▲
Current investments50/53€884€631▼
Cash at bank and in hand54/58€99k€72k▼
Deferred charges and accrued income490/1€2k€458▼
Equity and liabilities
Total equity and liabilities10/49€331k€327k▼
Equity10/15€124k€121k▼
Contributions10/11€40k€40k=
Reserves13€36k€33k▼
Tax-exempt reserves132€10k€6k▼
Distributable reserves133€27k€27k=
Profit (loss) carried forward14€48k€47k▼
Provisions and deferred taxes16€3k€2k▼
Deferred taxes168€3k€2k▼
Amounts payable17/49€204k€204k=
Amounts payable after more than one year17€160k€157k▼
Financial debts170/4€115k€112k▼
Other amounts payable178/9€45k€45k=
Amounts payable within one year42/48€44k€48k▲
Current portion of amounts payable after more than one year42€20k€20k▼
Trade debts44€11k€15k▲
Suppliers440/4€11k€15k▲
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€244€1k▲
Other amounts payable47/48€9k€10k▲
Accrued charges and deferred income492/3€92€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€5k€21k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▲
Other operating charges640/8€2k€5k▲
Gross operating margin9900€68k€57k▼
Operating profit (loss)9901€33k€2k▼
Financial income75/76B€275€151▼
Recurring financial income75€275€151▼
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€26k€-4k▼
Transfer from deferred taxes780€1k€1k▼
Transfer to deferred taxes680€0-
Income taxes67/77€8k€222▼
Profit (loss) for the period9904€19k€-3k▼
Transfer from tax-exempt reserves789€3k€3k▼
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€22k€-142▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€47k▼
Profit (loss) brought forward from the previous period14P€26k€48k▲
The notes to these accounts (13 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €26k ▲103%
Operating result €37k, net result €26k, both a record.
31-12
Financial
Equity above €100kEq €105k ▲32%
4 profitable years in a row build equity to €105k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-10k ▼183%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
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.
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, Sint-Truiden · 1 establishment unit since 2006
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.
Heusdenstraat 163800 Sint-TruidenGround area
3,566 m²
Building footprint
291 m²
Volume, LiDAR
1,875 m³
2 parcels, Flanders · tallest building 14.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20062.150.986.381
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71027A0155/00F000 | Flanders | 2,474 m² | 1 · 143 m² | 14.4 m · 2 fl. |
| 71027A0143/00D000 | Flanders | 1,092 m² | 1 · 147 m² | 7.5 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 · 3 entries · 4,025 EUR awarded · 4,025 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,203 EUR | 1,203 EUR |
| 2024 | 1 | 1,466 EUR | 1,466 EUR |
| 2023 | 1 | 1,356 EUR | 1,356 EUR |
Schemes
Brede weersverzekering
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Truiden2.150.986.381
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Of 20,588 companies in sector 01500 we hold annual accounts for 1,149. 881 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-11-2005
Fiscal year end31-12
Activities, NACEBEL 2025
01240Growing of pome and stone fruits
01500Mixed farming
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.