Groenfactor
ActiveGroenfactor has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €36k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 71% of 444 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
90
/ 100
Excellent▼ -4 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▲+15
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.39 against 1.59 in 2024), and 43.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
56.3%
Return on assets
16%
Age of the figures
8 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 05-06-2026, 56 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
56 d early
2024
57 d early
2023
69 d early
2022
4 d late
2021
67 d early
2020
50 d early
2019
35 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€126k▼ 18.8%
2024 · €155k
2022: €110k
2023: €147k
2024: €155k
2022 → 2025
Total assets
€224k▼ 33.2%
2024 · €335k
2022: €416k
2023: €383k
2024: €335k
2022 → 2025
Net result
€36k▼ 36.3%
2024 · €56k
2022: €44k
2023: €37k
2024: €56k
2022 → 2025
Working capital
€75k▲ 7.1%
2024 · €70k
2022: €126k
2023: €111k
2024: €70k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€110k-€147k▲ 33.7%€155k▲ 5.6%€126k▼ 18.8%
Operating result€53k-€49k▼ 7.5%€70k▲ 43.6%€84k▲ 19.6%
Net result€44k-€37k▼ 16.3%€56k▲ 52.0%€36k▼ 36.3%
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 2023 the operating result has climbed two years in a row; 2025 is 20% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€95k▼ 35.4%
Current assets
€129k▼ 31.5%
Equity and liabilities €224k
Equity
€126k▼ 18.8%
Debt
€98k▼ 45.6%
The debt ratio falls from 53.7% to 43.7%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€140k▲
2024 · €124k
Cash flow
€93k▼
2024 · €111k
Solvency
56.3%▲
2024 · 46.3%
Current ratio
2.39▲
2024 · 1.59
Quick ratio
2.39▲
2024 · 1.59
Debt / equity
0.78▼
2024 · 1.16
ROE
28.5%▼
2024 · 36.3%
ROA
16.0%▼
2024 · 16.8%
Interest coverage
3.68▼
2024 · 62.55
Debt
€98k▼
2024 · €180k
Debt ≤ 1 year
€54k▼
2024 · €118k
Debt > 1 year
€29k▼
2024 · €42k
Income taxes
€12k▼
2024 · €15k
Staff costs
€272k▲
2024 · €245k
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
Total assets
20/58€335k€224k▼
Fixed assets
21/28€147k€95k▼
Tangible fixed assets
22/27€147k€95k▼
Financial fixed assets
28€135€135=
Current assets
29/58€188k€129k▼
Amounts receivable within one year
40/41€14k€25k▲
Investments
50/53€50k€0▼
Cash & bank
54/58€111k€90k▼
Total equity & liabilities
10/49€335k€224k▼
Equity
10/15€155k€126k▼
Contributions / capital
10/11€19k€19k=
Reserves
13€137k€107k▼
Accumulated profits (losses)
14€0€0=
Amounts payable
17/49€180k€98k▼
Amounts payable after one year
17€42k€29k▼
Amounts payable within one year
42/48€118k€54k▼
Trade debts payable within one year
44€20k€17k▼
Income statement
Code20242025
Gross operating margin
9900€371k€415k▲
Operating result
9901€70k€84k▲
Financial income
75€4k€2k▼
Financial charges
65€2k€38k▲
Result before taxes
9903€72k€48k▼
Income taxes
67/77€15k€12k▼
Net result for the period
9904€56k€36k▼
Result to be appropriated
9905€56k€36k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €36k ▼36.3%
Net result drops to €36k, the lowest in the series.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2022net €56k ▲52%
Net result €56k, the highest in the series.
31-12
Financial
Equity above €150kEq €155k ▲5.6%
3 profitable years in a row build equity to €155k.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 4 days late
08-06
State Gazette act
Minor change
Statutes change · Stephane Van Roosbroeck
2022
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 13 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
AANNEMINGEN WDS
BE 0664.924.706
Herzele · Eq €126k
EDDY STESSENS
BE 0424.983.526
Wommelgem · Eq €126k
Tuinen Bart Schaubroeck
BE 0780.589.583
Tielt · Eq €126k
TUINEN PIENS
BE 0821.312.757
Gent · Eq €126k
VAN VLIERDEN DAKTUINEN
BE 0809.764.413
Pelt · Eq €126k
Of 21,236 companies in sector 81300 we hold annual accounts for 4,174. 3,482 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2017
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
43320Joinery installation
47522Retail trade
47553Retail trade
47593Retail trade
47761Retail sale of flowers, plants, seeds and fertilisers
71113Urban planning and landscape architecture
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 26-08-2026. Scores and ratios are computed by Checked and are not a credit decision.