FRANS AGRO
ActiveFRANS AGRO has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.63M and a net result of €217k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 43% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+3
Solvency63▲+3
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.88 in 2024; short-term debt: 39.3% and cash: 1.3% of total assets), and 62.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
37.6%
Return on assets
3.1%
Age of the figures
9 mo
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 →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
31 d early
2023
13 d early
2022
18 d early
2021
31 d early
2020
24 d early
2019
24 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.63M▲ 9.0%
2024 · €2.41M
2018: €1.24M
2019: €1.49M
2020: €1.84M
2021: €2.09M
2022: €2.29M
2023: €2.33M
2024: €2.41M
2018 → 2025
Total assets
€6.99M▲ 2.5%
2024 · €6.82M
2018: €4.81M
2019: €4.76M
2020: €4.94M
2021: €7.06M
2022: €7.22M
2023: €6.90M
2024: €6.82M
2018 → 2025
Net result
€217k▲ 187%
2024 · €76k
2018: €196k
2019: €257k
2020: €346k
2021: €247k
2022: €204k
2023: €37k
2024: €76k
2018 → 2025
Working capital
€-163k▲ 47.2%
2024 · €-309k
2018: €-303k
2019: €-99k
2020: €94k
2021: €-147k
2022: €-237k
2023: €-236k
2024: €-309k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.09M-€2.29M▲ 9.8%€2.33M▲ 1.6%€2.41M▲ 3.6%€2.63M▲ 9.0%
Operating result€379k-€327k▼ 13.6%€167k▼ 48.9%€176k▲ 5.5%€366k▲ 107%
Net result€247k-€204k▼ 17.6%€37k▼ 81.6%€76k▲ 102%€217k▲ 187%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 107% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.99M
Fixed assets
€4.40M▼ 1.0%
Current assets
€2.59M▲ 9.1%
Equity and liabilities €6.99M
Equity
€2.63M▲ 9.0%
Debt
€4.36M▼ 1.0%
The debt ratio falls from 64.6% to 62.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€744k▲
2024 · €528k
Cash flow
€595k▲
2024 · €428k
Solvency
37.6%▲
2024 · 35.4%
Current ratio
0.94▲
2024 · 0.88
Quick ratio
0.20▲
2024 · 0.18
Debt / equity
1.66▼
2024 · 1.83
ROE
8.3%▲
2024 · 3.1%
ROA
3.1%▲
2024 · 1.1%
Interest coverage
8.38▲
2024 · 6.44
Debt
€4.36M▼
2024 · €4.40M
Debt ≤ 1 year
€2.75M▲
2024 · €2.68M
Debt > 1 year
€1.61M▼
2024 · €1.72M
Income taxes
€64k▲
2024 · €20k
Staff costs
€795k▼
2024 · €894k
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€6.82M€6.99M▲
Fixed assets21/28€4.45M€4.40M▼
Intangible fixed assets21€12k€10k▼
Tangible fixed assets22/27€4.43M€4.39M▼
Land and buildings22€3.65M€3.46M▼
Plant, machinery and equipment23€494k€411k▼
Furniture and vehicles24€292k€519k▲
Financial fixed assets28€135€135=
Current assets29/58€2.37M€2.59M▲
Stocks and contracts in progress3€1.89M€2.04M▲
Stocks30/36€1.89M€2.04M▲
Amounts receivable within one year40/41€413k€432k▲
Trade receivables40€387k€417k▲
Other amounts receivable41€26k€15k▼
Cash at bank and in hand54/58€53k€92k▲
Deferred charges and accrued income490/1€17k€22k▲
Equity and liabilities
Total equity and liabilities10/49€6.82M€6.99M▲
Equity10/15€2.41M€2.63M▲
Contributions10/11€19k€19k=
Reserves13€2.39M€2.61M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€108k€107k▼
Distributable reserves133€2.28M€2.50M▲
Amounts payable17/49€4.40M€4.36M▼
Amounts payable after more than one year17€1.72M€1.61M▼
Financial debts170/4€1.72M€1.61M▼
Amounts payable within one year42/48€2.68M€2.75M▲
Current portion of amounts payable after more than one year42€684k€934k▲
Trade debts44€790k€691k▼
Suppliers440/4€790k€691k▼
Taxes, remuneration and social security45€204k€188k▼
Taxes450/3€40k€54k▲
Remuneration and social security454/9€163k€134k▼
Other amounts payable47/48€1.00M€938k▼
Accrued charges and deferred income492/3€6k€730▼
Income statement
Code20242025
Remuneration, social security and pensions62€894k€795k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€352k€378k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€11k€388▼
Other operating charges640/8€39k€43k▲
Gross operating margin9900€1.47M€1.58M▲
Operating profit (loss)9901€176k€366k▲
Financial income75/76B€944€7k▲
Recurring financial income75€944€7k▲
Financial charges65/66B€82k€92k▲
Recurring financial charges65€82k€89k▲
Non-recurring financial charges66B-€3k
Profit (loss) for the period before taxes9903€95k€281k▲
Income taxes67/77€20k€64k▲
Profit (loss) for the period9904€76k€217k▲
Transfer from tax-exempt reserves789€2k€2k▲
Profit (loss) for the period to be appropriated9905€77k€219k▲
Appropriation of the result
Profit (loss) to be appropriated9906€77k€219k▲
Transfer to equity691/2€77k€219k▲
To other reserves6921€77k€219k▲
Social balance
Average headcount (FTE)908715.514.5▼
The notes to these accounts (27 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €37k ▼81.6%
Net result drops to €37k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €2MEq €2.09M ▲13.4%
4 profitable years in a row build equity to €2.09M.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €346k ▲34.9%
Operating result €550k, net result €346k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Putte · 3 establishment units since 1999
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.
Vaatjesstraat 422580 PutteGround area
2.0 ha
Building footprint
5,637 m²
Volume, LiDAR
12,276 m³
3 parcels, Flanders · tallest building 41.0 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Vaatjesstraat 42, 2580 Putte
since 19992.090.244.387
Frans Agro
since 20172.266.383.224
Klein Boom 19, 2580 Putte
since 20202.311.224.839
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23038A0008/00X000 | Flanders | 1.0 ha | 1 · 1,391 m² | 41.0 m |
| 12029D0481/00S000 | Flanders | 5,175 m² | 1 · 1,526 m² | 9.4 m · 2 fl. |
| 12429C0371/00H002 | Flanders | 4,868 m² | 1 · 2,719 m² | 4.6 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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
2022 to 2025 · 4 entries · 2,222 EUR awarded · 2,221 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 247 EUR | 247 EUR |
| 2024 | 1 | 192 EUR | 192 EUR |
| 2023 | 1 | 868 EUR | 953 EUR |
| 2022 | 1 | 915 EUR | 829 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
3 sitesPutte2.090.244.387
Kampenhout2.266.383.224
Putte2.311.224.839
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Of 254 companies in sector 46381 we hold annual accounts for 179. 104 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-1999
Fiscal year end31-12
Activities, NACEBEL
46381Wholesale trade
47761Retail sale of flowers, plants, seeds and fertilisers
52483
46216Wholesale of agricultural produce and animal feed, general range
51210
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.