PRO GARDENER
ActivePRO GARDENER has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €16k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 396 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency21▲+8
Growth32=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.93 against 0.96 in 2024), and 82.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
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
17.3%
Return on assets
12.8%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 396 sector peers (2025).
NBB · sector comparisonPosition among 396 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
53 d late
2023
59 d late
2022
60 d late
2021
87 d late
2020
87 d late
2019
90 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€16k▼ 27.6%
2024 · €23k
2018: €30k
2019: €26k
2020: €-29k
2021: €-36k
2022: €-37k
2023: €-4k
2024: €23k
2018 → 2025
Working capital
€-8k▼ 74.8%
2024 · €-4k
2018: €16k
2019: €39k
2020: €14k
2021: €55k
2022: €8k
2023: €-13k
2024: €-4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€-13k€-17k▼ 30.6%€6k€22k▲ 284%
Operating result€-29k-€-33k▼ 15.8%€-1k▲ 95.7%€28k€25k▼ 13.1%
Net result€-36k-€-37k▼ 2.7%€-4k▲ 89.3%€23k€16k▼ 27.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €128k
Fixed assets
€30k▲ 33.8%
Current assets
€98k▼ 6.1%
Equity and liabilities €128k
Equity
€22k▲ 284%
Debt
€106k▼ 12.6%
The debt ratio falls from 95.4% to 82.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€41k▲
2024 · €40k
Cash flow
€32k▼
2024 · €34k
Solvency
17.3%▲
2024 · 4.6%
Current ratio
0.93▼
2024 · 0.96
Quick ratio
0.93▼
2024 · 0.96
Debt / equity
4.77▼
2024 · 20.97
ROE
74.0%▼
2024 · 392.5%
ROA
12.8%▼
2024 · 17.9%
Interest coverage
4.92▼
2024 · 6.52
Debt
€106k▼
2024 · €121k
Debt ≤ 1 year
€106k▼
2024 · €109k
Income taxes
€197▲
2024 · €191
Staff costs
€96k▲
2024 · €94k
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€127k€128k▲
Fixed assets21/28€22k€30k▲
Intangible fixed assets21€7k-
Tangible fixed assets22/27€14k€28k▲
Land and buildings22€915€864▼
Plant, machinery and equipment23€947€827▼
Furniture and vehicles24€12k€26k▲
Financial fixed assets28€2k€2k=
Current assets29/58€105k€98k▼
Amounts receivable within one year40/41€98k€80k▼
Trade receivables40€98k€70k▼
Other amounts receivable41€251€10k▲
Cash at bank and in hand54/58€5k€16k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€127k€128k▲
Equity10/15€6k€22k▲
Contributions10/11€19k€19k=
Reserves13€50k€50k=
Non-distributable reserves130/1€24k€24k=
Reserves not available under the articles1311€24k€24k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14€-63k€-46k▲
Amounts payable17/49€121k€106k▼
Amounts payable after more than one year17€12k-
Financial debts170/4€12k-
Amounts payable within one year42/48€109k€106k▼
Current portion of amounts payable after more than one year42€20k€12k▼
Financial debts43€42k€32k▼
Credit institutions430/8€40k€30k▼
Other loans439€1k€1k▼
Trade debts44€32k€49k▲
Suppliers440/4€32k€49k▲
Taxes, remuneration and social security45€14k€13k▼
Taxes450/3€191€197▲
Remuneration and social security454/9€13k€13k▼
Other amounts payable47/48€1k-
Income statement
Code20242025
Remuneration, social security and pensions62€94k€96k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€16k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€135k€139k▲
Operating profit (loss)9901€28k€25k▼
Financial income75/76B€417€109▼
Recurring financial income75€417€109▼
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€23k€17k▼
Income taxes67/77€191€197▲
Profit (loss) for the period9904€23k€16k▼
Profit (loss) for the period to be appropriated9905€23k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-63k€-46k▲
Profit (loss) brought forward from the previous period14P€-85k€-63k▲
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 53 days late
2024
31-12
Financial
Back to profitnet €23k
Net result €23k after 4 loss-making years.
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 59 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 60 days late
2022
31-12
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 87 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 87 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 90 days late
2019
16-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 47 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 141 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Viroinval · 1 establishment unit since 1987
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 Arthur-Masson, Mazée 225670 ViroinvalGround area
299 m²
Building footprint
161 m²
Volume, LiDAR
1,716 m³
2 parcels, Brussels, Wallonia · tallest building 16.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Elizastraat 115, 1050 Elsene
since 19872.030.068.854
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21445C0257/00B012 | Brussels | 202 m² | 1 · 88 m² | 16.7 m · 5 fl. |
| 93042A0289/00D000 | Wallonia | 97 m² | 1 · 73 m² | 8.0 m · 2 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.
Similar companies · same sector, comparable size
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Corthouts
BE 0698.866.588
Zoutleeuw · Eq €22k
VAMAGRO
BE 1020.272.031
Laarne · Eq €22k
BOB VAN HOOF
BE 0749.793.667
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BELSTONE
BE 0444.838.238
Dilsen-Stokkem · Eq €22k
Of 2,316 companies in sector 42110 we hold annual accounts for 1,087. 534 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-1987
Fiscal year end31-12
Activities, NACEBEL
01410Raising of dairy cattle
42110Construction of roads and motorways
45230
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.