THE COUNTRY GARDEN
ActiveTHE COUNTRY GARDEN has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €14k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 24% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+53
Solvency39▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.3 against 0.25 in 2024; short-term debt: 58.8% and cash: 6.4% of total assets), and 86.2% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
13.8%
Return on assets
3.9%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 4157 sector peers (2025).
NBB · sector comparisonPosition among 4157 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-12-2025, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
73 d early
2023
64 d early
2022
41 d early
2021
62 d early
2020
69 d early
2019
60 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€14k
2024 · €-16k
2019: €-17k
2020: €-5k
2021: €21k
2022: €2k
2023: €-434
2024: €-16k
2019 → 2025
Working capital
€-147k▼ 1.6%
2024 · €-145k
2019: €-118k
2020: €-124k
2021: €-105k
2022: €-110k
2023: €-125k
2024: €-145k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€52k▲ 8.6%€52k▼ 0.8%€36k▼ 30.9%€50k▲ 39.0%
Operating result€25k-€8k▼ 68.9%€5k▼ 40.8%€-12k€20k
Net result€21k-€2k▼ 89.4%€-434€-16k▼ 3,573%€14k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €20k after a loss of €12k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €358k
Fixed assets
€295k▲ 21.1%
Current assets
€63k▲ 30.6%
Equity and liabilities €358k
Equity
€50k▲ 39.0%
Debt
€308k▲ 20.4%
The debt ratio falls from 87.8% to 86.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▲
2024 · €6k
Cash flow
€31k▲
2024 · €2k
Solvency
13.8%▲
2024 · 12.2%
Current ratio
0.30▲
2024 · 0.25
Quick ratio
0.21▲
2024 · 0.15
Debt / equity
6.23▼
2024 · 7.18
ROE
28.1%▲
2024 · -44.8%
ROA
3.9%▲
2024 · -5.5%
Interest coverage
6.66▲
2024 · 1.12
Debt
€308k▲
2024 · €256k
Debt ≤ 1 year
€210k▲
2024 · €193k
Debt > 1 year
€98k▲
2024 · €63k
Income taxes
€600▲
2024 · €44
Staff costs
€14k▼
2024 · €38k
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€292k€358k▲
Fixed assets21/28€243k€295k▲
Tangible fixed assets22/27€232k€288k▲
Land and buildings22€181k€177k▼
Plant, machinery and equipment23€18-
Furniture and vehicles24€51k€110k▲
Financial fixed assets28€12k€7k▼
Current assets29/58€48k€63k▲
Stocks and contracts in progress3€20k€20k=
Stocks30/36€20k€20k=
Amounts receivable within one year40/41€2k€17k▲
Trade receivables40€2k€2k▼
Other amounts receivable41-€15k
Current investments50/53€2k€2k=
Cash at bank and in hand54/58€19k€23k▲
Deferred charges and accrued income490/1€5k€907▼
Equity and liabilities
Total equity and liabilities10/49€292k€358k▲
Equity10/15€36k€50k▲
Contributions10/11€19k€19k=
Reserves13€4k€4k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Profit (loss) carried forward14€13k€27k▲
Amounts payable17/49€256k€308k▲
Amounts payable after more than one year17€63k€98k▲
Financial debts170/4€63k€98k▲
Amounts payable within one year42/48€193k€210k▲
Current portion of amounts payable after more than one year42€26k€39k▲
Financial debts43€9k€11k▲
Credit institutions430/8€9k€11k▲
Trade debts44€14k€8k▼
Suppliers440/4€14k€8k▼
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€920€600▼
Remuneration and social security454/9€1k€486▼
Other amounts payable47/48€142k€151k▲
Income statement
Code20242025
Remuneration, social security and pensions62€38k€14k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€45k€53k▲
Operating profit (loss)9901€-12k€20k▲
Financial income75/76B€1k€437▼
Recurring financial income75€85€437▲
Non-recurring financial income76B€976-
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Non-recurring financial charges66B-€365
Profit (loss) for the period before taxes9903€-16k€15k▲
Income taxes67/77€44€600▲
Profit (loss) for the period9904€-16k€14k▲
Profit (loss) for the period to be appropriated9905€-16k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€27k▲
Profit (loss) brought forward from the previous period14P€29k€13k▼
Social balance
Average headcount (FTE)90871.0-
The notes to these accounts (12 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
2025
02-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
30-06
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
2024
19-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Back to profitnet €21k
Net result €21k after 2 loss-making years.
2020
23-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
02-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
24-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
12-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
17-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gembloux · 1 establishment unit since 1998
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 du Trichon, Sauv. 25030 GemblouxGround area
5,655 m²
Building footprint
574 m²
Volume, LiDAR
1,946 m³
2 parcels, Wallonia · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
lukoil corbais
since 19982.070.252.291
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92253D0572/00Y002 | Wallonia | 2,950 m² | 1 · 122 m² | - |
| 25020B0374/00D000 | Wallonia | 2,705 m² | 1 · 452 m² | 5.2 m · 1 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 siteMont-Saint-Guibert2.070.252.291
Legal Entity Identifier
254900F5CA8H8YUSTZ91
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Of 1,267 companies in sector 47300 we hold annual accounts for 946. 708 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-01-1995
Fiscal year end30-06
Activities, NACEBEL
47300Retail sale of automotive fuel
51310
46319Wholesale of fruit and vegetables, excluding potatoes
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:michael.simmons@live.be