JOANNE AGRI

Active

Private limited companyfounded 199432 yrs activeRoute de Wavre (THIS) 159, 4280 Hannut, BelgiumKBO/BCE: BE 0452.593.981

Summary

JOANNE AGRI has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.28M and a net result of €116k. Its solvency ranks better than 91% of 3941 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).

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Checked score

Score 2024

92 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability79=

Solvency100=

Growth32

Track record100

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €110k at 30 days acceptable

Liquidity ample (current ratio 4.47 against 3.12 in 2023; short-term debt: 12.2% and cash: 34.2% of total assets), and 13.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

86.6%

Return on assets

7.9%

Age of the figures

21 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 2 filings

Deviation from the deadline

2025

not confirmed

2024

29 d late

2023

29 d late

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€0

2023 · €0

2023: €0

2023 → 2024

Total assets

€1.47M▼ 13.4%

2023 · €1.70M

2023: €1.70M

2023 → 2024

Net result

€116k▼ 18.7%

2023 · €143k

2023: €143k

2023 → 2024

Working capital

€627k▼ 9.3%

2023 · €691k

2023: €691k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Turnover€0-€0

Equity€1.35M-€1.28M▼ 5.6%

Operating result€224k-€177k▼ 21.0%

Net result€143k-€116k▼ 18.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 21% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €1.47M

45.2%

54.8%

Fixed assets €666k ▼ 2.8%

Current assets €807k ▼ 20.6%

Equity and liabilities €1.47M

86.6%

13.4%

Equity €1.28M ▼ 5.6%

Debt €197k ▼ 43.8%

Debt's share of the balance-sheet total falls from 20.6% to 13.4%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€203k▼

2023 · €264k

Cash flow

€142k▼

2023 · €183k

Current ratio

4.47▲

2023 · 3.12

Quick ratio

4.41▲

2023 · 3.07

Debt to equity

0.15▼

2023 · 0.26

ROE

9.1%▼

2023 · 10.6%

ROA

7.9%▼

2023 · 8.4%

Interest coverage

48.41▲

2023 · 23.23

Debt ≤ 1 year

€180k▼

2023 · €325k

Debt > 1 year

€17k▼

2023 · €25k

Income taxes

€57k▼

2023 · €71k

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 · 2024 against 2023 · 55 lines

Balance sheet Code20232024

Assets

Total assets20/58€1.70M€1.47M▼

Formation expenses20€0€0=

Fixed assets21/28€685k€666k▼

Intangible fixed assets21€0€0=

Tangible fixed assets22/27€459k€440k▼

Land and buildings22€446k€434k▼

Plant, machinery and equipment23€14k€7k▼

Furniture and vehicles24€0€0=

Other tangible fixed assets26€0€0=

Financial fixed assets28€226k€226k=

Current assets29/58€1.02M€807k▼

Stocks and contracts in progress3€19k€10k▼

Stocks30/36€19k€10k▼

Amounts receivable within one year40/41€266k€257k▼

Trade receivables40€257k€190k▼

Other amounts receivable41€9k€67k▲

Current investments50/53€32k€32k=

Cash at bank and in hand54/58€695k€504k▼

Deferred charges and accrued income490/1€5k€4k▼

Equity and liabilities

Total equity and liabilities10/49€1.70M€1.47M▼

Equity10/15€1.35M€1.28M▼

Contributions10/11€742k€742k=

Reserves13€587k€512k▼

Non-distributable reserves130/1€6k€6k=

Reserves not available under the articles1311€6k€6k=

Distributable reserves133€580k€505k▼

Profit (loss) carried forward14€22k€22k=

Amounts payable17/49€350k€197k▼

Amounts payable after more than one year17€25k€17k▼

Financial debts170/4€25k€17k▼

Amounts payable within one year42/48€325k€180k▼

Current portion of amounts payable after more than one year42€8k€8k=

Trade debts44€146k€115k▼

Suppliers440/4€146k€115k▼

Taxes, remuneration and social security45€58k€45k▼

Taxes450/3€58k€45k▼

Other amounts payable47/48€113k€12k▼

Income statement Code20232024

Turnover70€0€0=

Goods, raw materials, services and sundry goods60/61€0€0=

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€26k▼

Other operating charges640/8€16k€7k▼

Gross operating margin9900€280k€210k▼

Operating profit (loss)9901€224k€177k▼

Financial income75/76B€1k€790▼

Recurring financial income75€1k€790▼

Financial charges65/66B€11k€4k▼

Recurring financial charges65€11k€4k▼

Profit (loss) for the period before taxes9903€214k€174k▼

Income taxes67/77€71k€57k▼

Profit (loss) for the period9904€143k€116k▼

Profit (loss) for the period to be appropriated9905€143k€116k▼

Appropriation of the result

Profit (loss) to be appropriated9906€165k€139k▼

Profit (loss) brought forward from the previous period14P€22k€22k=

Transfer to equity691/2€143k€116k▼

To other reserves6921€143k€116k▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

2024

29-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 29 days late

NBB filing

Directors · office · real estate

Directors

8 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, Hannut · 1 establishment unit since 1994

establishment approximate The establishment unit on the map

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.

Route de Wavre (THIS) 1594280 Hannut

Ground area

1,792 m²

Building footprint

318 m²

Volume, LiDAR

2,173 m³

2 parcels, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Rue de Wavre 159, 4280 Hannut

Growing of cereals (except rice), leguminous crops and oil seeds

since 19942.237.376.264

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
64034A0444/00A002	Wallonia	964 m²	1 · 213 m²	9.3 m · 2 fl.
64066B0144/00H000	Wallonia	828 m²	1 · 106 m²	9.1 m · 3 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Hannut2.237.376.264

2 permissions

Boerderij - akkerbouw · since 18-02-2020

Groententeeltbedrijf · since 18-02-2020

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Of 4,676 companies in sector 01610 we hold annual accounts for 1,369. 794 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

Founded26-04-1994

Fiscal year end31-12

Activities, NACEBEL 2025

01610Support activities for crop production

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.