NAVERAGRO

Active

Private limited companyfounded 20206 yrs activeRotemstraat 4, 3545 Halen, BelgiumKBO/BCE: BE 0753.522.724

NAVERAGRO has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €294k and a net result of €26k. Equity is growing by ~19.4% per year across the filed fiscal years. Its solvency ranks better than 63% of 11200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

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Checked score

Score 2025

86 / 100

Excellent▼ -14 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability44▼-54

Solvency98▲+3

Growth78=

Stability100

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €25k at 30 days acceptable

Liquidity ample (current ratio 81.5 against 7.73 in 2024), and 41.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

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 2025

Solvency, return and age of the figures

Solvency

58.9%

Return on assets

5.1%

Age of the figures

9 mo

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 →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

15 d early

2024

21 d late

2023

26 d late

2022

30 d late

2021

26 d late

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 deadline

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 2025, micro schema

Equity

€294k▲ 9.6%

2024 · €268k

2021: €154k 2022: €164k 2023: €216k 2024: €268k

2021 → 2025

Total assets

€500k▼ 5.7%

2024 · €530k

2021: €360k 2022: €374k 2023: €429k 2024: €530k

2021 → 2025

Net result

€26k▼ 51.1%

2024 · €53k

2021: €4k 2022: €10k 2023: €52k 2024: €53k

2021 → 2025

Working capital

€448k▲ 8.2%

2024 · €414k

2021: €354k 2022: €364k 2023: €416k 2024: €414k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€154k-€164k▲ 6.8%€216k▲ 31.4%€268k▲ 24.3%€294k▲ 9.6%

Operating result€813-€16k▲ 1,825%€61k▲ 287%€48k▼ 19.9%€30k▼ 38.0%

Net result€4k-€10k▲ 167%€52k▲ 392%€53k▲ 1.9%€26k▼ 51.1%

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 38% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €500k

90.8%

Fixed assets €46k▼ 15.5%

Current assets €454k▼ 4.6%

Equity and liabilities €500k

58.9%

41.1%

Equity €294k▲ 9.6%

Debt €206k▼ 21.4%

The debt ratio falls from 49.3% to 41.1%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€42k▼

2024 · €50k

Cash flow

€37k▼

2024 · €54k

Solvency

58.9%▲

2024 · 50.7%

Current ratio

81.50▲

2024 · 7.73

Quick ratio

81.50▲

2024 · 7.73

Debt / equity

0.70▼

2024 · 0.97

ROE

8.7%▼

2024 · 19.6%

ROA

5.1%▼

2024 · 9.9%

Interest coverage

12.75▼

2024 · 21.86

Debt

€206k▼

2024 · €262k

Debt ≤ 1 year

€6k▼

2024 · €62k

Debt > 1 year

€200k=

2024 · €200k

Income taxes

€9k▼

2024 · €12k

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€530k€500k▼

Fixed assets21/28€54k€46k▼

Tangible fixed assets22/27€54k€46k▼

Plant, machinery and equipment23€14k€12k▼

Furniture and vehicles24€40k€34k▼

Current assets29/58€476k€454k▼

Amounts receivable within one year40/41€22k€45k▲

Trade receivables40-€25k

Other amounts receivable41€22k€19k▼

Cash at bank and in hand54/58€454k€407k▼

Deferred charges and accrued income490/1-€2k

Equity and liabilities

Total equity and liabilities10/49€530k€500k▼

Equity10/15€268k€294k▲

Contributions10/11€150k€150k=

Reserves13€118k€144k▲

Distributable reserves133€118k€144k▲

Amounts payable17/49€262k€206k▼

Amounts payable after more than one year17€200k€200k=

Financial debts170/4€200k€200k=

Amounts payable within one year42/48€62k€6k▼

Trade debts44€61k€4k▼

Suppliers440/4€61k€4k▼

Other amounts payable47/48€46€2k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€12k▲

Other operating charges640/8€513€2k▲

Gross operating margin9900€50k€44k▼

Operating profit (loss)9901€48k€30k▼

Financial income75/76B€19k€8k▼

Recurring financial income75€19k€8k▼

Financial charges65/66B€2k€3k▲

Recurring financial charges65€2k€3k▲

Profit (loss) for the period before taxes9903€65k€35k▼

Income taxes67/77€12k€9k▼

Profit (loss) for the period9904€53k€26k▼

Profit (loss) for the period to be appropriated9905€53k€26k▼

Appropriation of the result

Profit (loss) to be appropriated9906€53k€26k▼

Transfer to equity691/2€53k€26k▼

To other reserves6921€53k€26k▼

The notes to these accounts (6 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 8Financial 3Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

16-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Liquidity times 11current ratio 81.50

Current ratio from 7.73 to 81.50; short-term debt falls from €62k to €6k.

21-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 21 days late

2024

31-12

Financial Highest result since 2021net €53k ▲1.9%

Net result €53k, the highest in the series.

26-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 26 days late

2023

31-12

Financial Equity above €200kEq €216k ▲31.4%

3 profitable years in a row build equity to €216k.

30-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 30 days late

2022

26-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 26 days late

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, Halen · 1 establishment unit since 2020

establishment 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.

Rotemstraat 43545 Halen

Ground area

2,616 m²

Building footprint

948 m²

Volume, LiDAR

6,626 m³

Parcel 71020C0641/00C000, Flanders · tallest building 13.1 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

NAVERAGRO

Rotemstraat 4, 3545 HalenGrowing of cereals (except rice), leguminous crops and oil seeds

since 20202.309.248.415

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71020C0641/00C000 ProtectedMonument · Townscape or village viewHoeve en poortgebouw abdij MariëndalSource ↗	Flanders	2,615 m²	1 · 948 m²	13.1 m · 2 fl.