AGRO VAN LOO
ActiveSummary
AGRO VAN LOO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €209,844 and a net result of €48,928. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 40% of 8161 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability79▲+1
Solvency60▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.16 in 2024; short-term debt: 21.3% and cash: 12.2% of total assets), and 65.2% of the assets are financed with debt.
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Signals
Four 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
Wholesale trade (NACE 46)
about 21% 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
34.8%
Return on assets
8.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
on the day
2023
11 d early
2022
2 d early
2021
30 d early
2020
31 d early
2019
30 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 19 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 20 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€209,844▲ 30.4%
2024 · €160,915
Total assets
€603,680▲ 6.7%
2024 · €565,543
Net result
€48,928▲ 11.8%
2024 · €43,756
Working capital
€23,849▲ 24.6%
2024 · €19,138
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale 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€14,883▼ 57.7%€8,274▼ 44.4%€51,463▲ 522%€73,249▲ 42.3%€83,636▲ 14.2%
Net result€6,831within the sector's middle half▼ 67.4%€2,810below the sector's middle half▼ 58.9%€34,632within the sector's middle half▲ 1,132%€43,756within the sector's middle half▲ 26.3%€48,928within the sector's middle half▲ 11.8%
Equity€131,748within the sector's middle half▲ 4.8%€133,758below the sector's middle half▲ 1.5%€167,590within the sector's middle half▲ 25.3%€160,915within the sector's middle half▼ 4.0%€209,844within the sector's middle half▲ 30.4%
Total assets€456,877below the sector's middle half▼ 12.3%€420,213below the sector's middle half▼ 8.0%€596,888within the sector's middle half▲ 42.0%€565,543below the sector's middle half▼ 5.3%€603,680within the sector's middle half▲ 6.7%
Debt€325,129▼ 17.7%€286,455▼ 11.9%€429,298▲ 49.9%€404,628▼ 5.7%€393,836▼ 2.7%
Working capital€42,076below the sector's middle half▼ 4.7%€40,958below the sector's middle half▼ 2.7%€26,480below the sector's middle half▼ 35.3%€19,138below the sector's middle half▼ 27.7%€23,849within the sector's middle half▲ 24.6%
Solvency28.8%within the sector's middle half▲ 4.7pp31.8%within the sector's middle half▲ 3.0pp28.1%within the sector's middle half▼ 3.8pp28.5%within the sector's middle half▲ 0.4pp34.8%within the sector's middle half▲ 6.3pp
Current ratio1.42within the sector's middle half▲ 0.021.34within the sector's middle half▼ 0.081.24within the sector's middle half▼ 0.101.16below the sector's middle half▼ 0.091.19within the sector's middle half▲ 0.03
Return on assets (ROA)1.5%within the sector's middle half▼ 2.5pp0.7%within the sector's middle half▼ 0.8pp5.8%within the sector's middle half▲ 5.1pp7.7%within the sector's middle half▲ 1.9pp8.1%within the sector's middle half▲ 0.4pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €603,680
Fixed assets
€451,035 ▲ 6.4%
Current assets
€152,645 ▲ 7.9%
Equity and liabilities €603,680
Equity
€209,844 ▲ 30.4%
Debt
€393,836 ▼ 2.7%
Debt's share of the balance-sheet total falls from 71.5% to 65.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€124,663▲
2024 · €110,170
Cash flow
€89,955▲
2024 · €80,677
Quick ratio
1.16▲
2024 · 1.11
Debt to equity
1.88▼
2024 · 2.51
ROE
23.3%▼
2024 · 27.2%
Interest coverage
10.06▲
2024 · 9.62
Debt ≤ 1 year
€128,796▲
2024 · €122,343
Debt > 1 year
€264,240▼
2024 · €281,485
Income taxes
€22,923▲
2024 · €18,088
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,811 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.3%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.5% 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 17,811 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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €8,000 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €55,236 | €55,238 | €40,863 | €36,921 | €41,027 | ▲ 11.1% |
| Other operating charges640/8 | - | - | - | - | €14,287 | - |
| Gross operating margin9900 | €70,119 | €63,512 | €92,326 | €110,170 | €138,950 | ▲ 26.1% |
| Operating profit (loss)9901 | €14,883 | €8,274 | €51,463 | €73,249 | €83,636 | ▲ 14.2% |
| Financial income75/76B | - | €1,266 | €1,579 | €51 | €607 | ▲ 1,089% |
| Recurring financial income75 | €960 | €1,266 | €1,579 | €51 | €607 | ▲ 1,089% |
| Financial charges65/66B | - | €4,798 | €11,063 | €11,456 | €12,391 | ▲ 8.2% |
| Recurring financial charges65 | €5,487 | €4,798 | €11,063 | €11,456 | €12,391 | ▲ 8.2% |
| Profit (loss) for the period before taxes9903 | €10,356 | €4,742 | €41,979 | €61,844 | €71,851 | ▲ 16.2% |
| Income taxes67/77 | €3,525 | €1,932 | €7,347 | €18,088 | €22,923 | ▲ 26.7% |
| Profit (loss) for the period9904 | €6,831 | €2,810 | €34,632 | €43,756 | €48,928 | ▲ 11.8% |
| Profit (loss) for the period to be appropriated9905 | €6,831 | €2,810 | €34,632 | €43,756 | €48,928 | ▲ 11.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €456,877 | €420,213 | €596,888 | €565,543 | €603,680 | ▲ 6.7% |
| Fixed assets21/28 | €314,290 | €259,052 | €460,983 | €424,062 | €451,035 | ▲ 6.4% |
| Intangible fixed assets21 | €125 | - | - | - | - | - |
| Tangible fixed assets22/27 | €314,165 | €259,052 | €460,983 | €424,062 | €451,035 | ▲ 6.4% |
| Land and buildings22 | - | €228,455 | €448,203 | €418,772 | €389,317 | ▼ 7.0% |
| Plant, machinery and equipment23 | - | €735 | €425 | €115 | €60,998 | ▲ 52,942% |
| Furniture and vehicles24 | - | €29,862 | €12,355 | €5,175 | €720 | ▼ 86.1% |
| Current assets29/58 | €142,587 | €161,161 | €135,905 | €141,481 | €152,645 | ▲ 7.9% |
| Stocks and contracts in progress3 | €5,990 | €5,827 | €5,402 | €5,093 | €3,000 | ▼ 41.1% |
| Stocks30/36 | - | €5,827 | €5,402 | €5,093 | €3,000 | ▼ 41.1% |
| Amounts receivable within one year40/41 | €46,367 | €95,220 | €48,689 | €45,028 | €65,383 | ▲ 45.2% |
| Trade receivables40 | - | €93,033 | €48,572 | €44,423 | €61,236 | ▲ 37.8% |
| Other amounts receivable41 | - | €2,187 | €117 | €605 | €4,148 | ▲ 586% |
| Current investments50/53 | - | - | - | €1,000 | €7,000 | ▲ 600% |
| Cash at bank and in hand54/58 | €88,386 | €58,302 | €76,926 | €87,217 | €73,684 | ▼ 15.5% |
| Deferred charges and accrued income490/1 | - | €1,812 | €4,888 | €3,143 | €3,577 | ▲ 13.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €456,877 | €420,213 | €596,888 | €565,543 | €603,680 | ▲ 6.7% |
| Equity10/15 | €131,748 | €133,758 | €167,590 | €160,915 | €209,844 | ▲ 30.4% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €78,493 | €78,493 | €112,325 | €105,650 | €154,578 | ▲ 46.3% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | €76,633 | €110,465 | €105,650 | €154,578 | ▲ 46.3% |
| Profit (loss) carried forward14 | €34,655 | €36,665 | €36,665 | €36,665 | €36,666 | = |
| Amounts payable17/49 | €325,129 | €286,455 | €429,298 | €404,628 | €393,836 | ▼ 2.7% |
| Amounts payable after more than one year17 | €223,818 | €165,452 | €318,273 | €281,485 | €264,240 | ▼ 6.1% |
| Financial debts170/4 | - | €165,452 | €318,273 | €281,485 | €264,240 | ▼ 6.1% |
| Amounts payable within one year42/48 | €100,511 | €120,203 | €109,425 | €122,343 | €128,796 | ▲ 5.3% |
| Current portion of amounts payable after more than one year42 | - | €58,307 | €39,806 | €36,390 | €49,823 | ▲ 36.9% |
| Trade debts44 | €23,542 | €49,745 | €50,792 | €9,843 | €22,332 | ▲ 127% |
| Suppliers440/4 | - | €49,745 | €50,792 | €9,843 | €22,332 | ▲ 127% |
| Taxes, remuneration and social security45 | - | €9,622 | €14,845 | €20,210 | €21,388 | ▲ 5.8% |
| Taxes450/3 | - | €3,222 | €9,145 | €18,410 | €19,588 | ▲ 6.4% |
| Remuneration and social security454/9 | - | €6,400 | €5,700 | €1,800 | €1,800 | = |
| Other amounts payable47/48 | - | €2,529 | €3,982 | €55,900 | €35,254 | ▼ 36.9% |
| Accrued charges and deferred income492/3 | - | €800 | €1,600 | €800 | €800 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,831 | €2,810 | €34,632 | €43,756 | €48,928 | ▲ 11.8% |
| + Depreciation and write-downs630 | €55,236 | €55,238 | €40,863 | €36,921 | €41,027 | ▲ 11.1% |
| Operating cash flow (approximation) | €62,067 | €58,048 | €75,495 | €80,677 | €89,955 | ▲ 11.5% |
| Investment in fixed assets (approximation) | - | €0 | -€242,794 | €0 | -€68,000 | - |
| Change in cash | - | -€30,084 | €18,624 | €10,291 | -€13,533 | ▼ 232% |
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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Highest result since 2018net €48,928 ▲11.8%
Operating result €83,636, net result €48,928, both a record.
30-09
Financial
Equity above €200,000Eq €209,844 ▲30.4%
8 profitable years in a row build equity to €209,844.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €150,000Eq €167,590 ▲25.3%
6 profitable years in a row build equity to €167,590.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Weakest financial yearnet €2,810 ▼58.9%
Net result drops to €2,810, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €100,000Eq €105,546 ▲19.2%
2 profitable years in a row build equity to €105,546.
Show earlier events
06-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
18-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 79 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Kortemark · 1 establishment unit since 2008
Ground area
8,115 m²
Parcel 32025B0571/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
Agro Van Loo
since 20082.171.152.978
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32025B0571/00D000 | Flanders | 8,115 m² | - | - |
Linked by address, not proof of ownership
Good to know
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
Food safety, FASFC
1 siteKortemark2.171.152.978
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Of 689 companies in sector 46216 we hold annual accounts for 476. 339 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
Founded22-05-2008
Fiscal year end30-09
Activities, NACEBEL 2025
46216Wholesale of agricultural produce and animal feed, general range
56111Full-service restaurants
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
77223Rental and leasing activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0898198620
Also
9925:BE0898198620
Registered
03-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.