PHILUC-AGRI
ActivePHILUC-AGRI has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €-11k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 73% of 3111 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-11
Solvency86▲+4
Growth57▼-17
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.62 against 3.37 in 2024; short-term debt: 14.7% and cash: 26% of total assets), and 39.1% of the assets are financed with debt.
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
lowers risk · 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 →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 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 · 10 filingsDeviation from the deadline
2025
29 d late
2024
44 d early
2023
30 d late
2022
24 d late
2021
25 d late
2020
28 d late
2019
92 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€90k▲ 6.4%
2020 · €85k
2018: €67k
2019: €60k
2020: €85k
2018 → 2021
EBIT margin
28.2%▼ 7.8pp
2020 · 36.0%
2018: 12.8%
2019: 11.3%
2020: 36.0%
2018 → 2021
Net result
€-11k
2024 · €6k
2018: €5k
2019: €4k
2020: €22k
2021: €23k
2022: €13k
2023: €3k
2024: €6k
2018 → 2025
Working capital
€66k▼ 6.6%
2024 · €71k
2018: €8k
2019: €1k
2020: €21k
2021: €-79k
2022: €53k
2023: €58k
2024: €71k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€90k-
Equity€93k-€106k▲ 14.4%€110k▲ 3.0%€116k▲ 5.5%€104k▼ 9.7%
Operating result€25k-€18k▼ 30.2%€6k▼ 64.9%€10k▲ 63.3%€-10k
Net result€23k-€13k▼ 41.7%€3k▼ 76.2%€6k▲ 87.4%€-11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €10k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €171k
Fixed assets
€80k▼ 22.6%
Current assets
€91k▼ 9.3%
Equity and liabilities €171k
Equity
€104k▼ 9.7%
Debt
€67k▼ 24.4%
The debt ratio falls from 43.4% to 39.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€13k▼
2024 · €34k
Cash flow
€12k▼
2024 · €29k
Solvency
60.9%▲
2024 · 56.6%
Current ratio
3.62▲
2024 · 3.37
Quick ratio
3.62▲
2024 · 3.37
Debt / equity
0.64▼
2024 · 0.77
ROE
-10.8%▼
2024 · 5.2%
ROA
-6.6%▼
2024 · 2.9%
Interest coverage
11.65▼
2024 · 30.21
Debt
€67k▼
2024 · €89k
Debt ≤ 1 year
€25k▼
2024 · €30k
Debt > 1 year
€42k▼
2024 · €59k
Income taxes
€75▼
2024 · €3k
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€204k€171k▼
Fixed assets21/28€104k€80k▼
Tangible fixed assets22/27€104k€80k▼
Land and buildings22€30k€26k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€67k€50k▼
Current assets29/58€101k€91k▼
Amounts receivable within one year40/41€7k€3k▼
Trade receivables40€7k€3k▼
Current investments50/53€26k€44k▲
Cash at bank and in hand54/58€68k€45k▼
Equity and liabilities
Total equity and liabilities10/49€204k€171k▼
Equity10/15€116k€104k▼
Contributions10/11€6k€6k=
Reserves13€106k€98k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€104k€96k▼
Profit (loss) carried forward14€4k€95▼
Amounts payable17/49€89k€67k▼
Amounts payable after more than one year17€59k€42k▼
Financial debts170/4€59k€42k▼
Amounts payable within one year42/48€30k€25k▼
Current portion of amounts payable after more than one year42€17k€17k=
Trade debts44€300€1k▲
Suppliers440/4€300€1k▲
Advances received on contracts in progress46€6k€398▼
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€5k-
Remuneration and social security454/9-€5k
Other amounts payable47/48€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k=
Other operating charges640/8€364€347▼
Gross operating margin9900€34k€13k▼
Operating profit (loss)9901€10k€-10k▼
Financial income75/76B-€309
Recurring financial income75-€309
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€9k€-11k▼
Income taxes67/77€3k€75▼
Profit (loss) for the period9904€6k€-11k▼
Profit (loss) for the period to be appropriated9905€6k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€-7k▼
Profit (loss) brought forward from the previous period14P€4k€4k▲
Transfer from equity791/2-€8k
Transfer to equity691/2€6k-
To other reserves6921€6k-
The notes to these accounts (5 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Weakest financial yearnet €-11k ▼288%
Net result drops to €-11k, the lowest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 1.79
Current ratio from 0.53 to 1.79; short-term debt falls from €167k to €67k.
31-12
Financial
Equity above €100kEq €106k ▲14.4%
5 profitable years in a row build equity to €106k.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Highest result since 2018net €23k ▲4%
Net result €23k, the highest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Leuze-en-Hainaut · 1 establishment unit since 2007
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.
Rue de Wattines(C.W.) 97903 Leuze-en-HainautGround area
3,207 m²
Building footprint
189 m²
Volume, LiDAR
1,398 m³
Parcel 57020B0729/00F000, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PHILUC-AGRI
since 20072.162.064.078
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57020B0729/00F000 | Wallonia | 3,207 m² | 1 · 189 m² | 9.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 siteLeuze-en-Hainaut2.162.064.078
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Of 20,591 companies in sector 01500 we hold annual accounts for 1,149. 859 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-04-2007
Fiscal year end31-12
Activities, NACEBEL
01500Mixed farming
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.