TOM-AGRI
ActiveTOM-AGRI has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.91M and a net result of €553k. Equity is growing by ~30.4% per year across the filed fiscal years. Its solvency ranks better than 38% of 475 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency62▲+21
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.22 in 2024), and 67.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
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
32.9%
Return on assets
9.6%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
1 d early
2022
3 d early
2021
5 d early
2020
4 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close15-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€553k▲ 16.8%
2024 · €474k
2019: €25k
2020: €103k
2021: €172k
2022: €422k
2023: €321k
2024: €474k
2019 → 2025
Working capital
€841k▲ 67.8%
2024 · €501k
2019: €420k
2020: €170k
2021: €274k
2022: €338k
2023: €493k
2024: €501k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€563k-€986k▲ 74.9%€1.31M▲ 32.6%€1.35M▲ 3.4%€1.91M▲ 40.9%
Operating result€204k-€468k▲ 130%€382k▼ 18.5%€731k▲ 91.5%€810k▲ 10.9%
Net result€172k-€422k▲ 146%€321k▼ 24.0%€474k▲ 47.5%€553k▲ 16.8%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 11% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.78M
Fixed assets
€3.04M▲ 15.1%
Current assets
€2.74M▼ 2.7%
Equity and liabilities €5.78M
Equity
€1.91M▲ 40.9%
Debt
€3.88M▼ 5.6%
The debt ratio falls from 75.3% to 67.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€1.16M▲
2024 · €1.04M
Cash flow
€907k▲
2024 · €784k
Solvency
32.9%▲
2024 · 24.7%
Current ratio
1.44▲
2024 · 1.22
Quick ratio
0.65▲
2024 · 0.43
Debt / equity
2.04▼
2024 · 3.04
ROE
29.0%▼
2024 · 35.0%
ROA
9.6%▲
2024 · 8.7%
Interest coverage
24.03▲
2024 · 21.58
Debt
€3.88M▼
2024 · €4.11M
Debt ≤ 1 year
€1.90M▼
2024 · €2.32M
Debt > 1 year
€1.97M▲
2024 · €1.79M
Income taxes
€217k▲
2024 · €214k
Staff costs
€52k▲
2024 · €48k
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€5.46M€5.78M▲
Fixed assets21/28€2.64M€3.04M▲
Tangible fixed assets22/27€2.64M€3.04M▲
Plant, machinery and equipment23€2.57M€2.99M▲
Furniture and vehicles24€71k€49k▼
Financial fixed assets28€50€50=
Current assets29/58€2.82M€2.74M▼
Stocks and contracts in progress3€1.81M€1.50M▼
Stocks30/36€1.81M€1.50M▼
Amounts receivable within one year40/41€236k€550k▲
Trade receivables40€183k€515k▲
Other amounts receivable41€53k€35k▼
Current investments50/53€5k€5k=
Cash at bank and in hand54/58€753k€672k▼
Deferred charges and accrued income490/1€13k€13k▲
Equity and liabilities
Total equity and liabilities10/49€5.46M€5.78M▲
Equity10/15€1.35M€1.91M▲
Contributions10/11€50k€50k=
Reserves13€813k€1.21M▲
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Distributable reserves133€808k€1.21M▲
Profit (loss) carried forward14€489k€642k▲
Amounts payable17/49€4.11M€3.88M▼
Amounts payable after more than one year17€1.79M€1.97M▲
Financial debts170/4€1.79M€1.97M▲
Amounts payable within one year42/48€2.32M€1.90M▼
Current portion of amounts payable after more than one year42€288k€338k▲
Financial debts43€300k€300k=
Credit institutions430/8€300k€300k=
Trade debts44€461k€573k▲
Suppliers440/4€461k€573k▲
Taxes, remuneration and social security45€215k€67k▼
Taxes450/3€212k€64k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€1.05M€623k▼
Accrued charges and deferred income492/3€5k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€48k€52k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€310k€354k▲
Other operating charges640/8€8k€8k▲
Non-recurring operating charges66A€258€19k▲
Gross operating margin9900€1.10M€1.24M▲
Operating profit (loss)9901€731k€810k▲
Financial income75/76B€4k€8k▲
Recurring financial income75€4k€8k▲
Financial charges65/66B€48k€48k▲
Recurring financial charges65€48k€48k▲
Profit (loss) for the period before taxes9903€687k€770k▲
Income taxes67/77€214k€217k▲
Profit (loss) for the period9904€474k€553k▲
Profit (loss) for the period to be appropriated9905€474k€553k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.39M€1.04M▼
Profit (loss) brought forward from the previous period14P€914k€489k▼
Transfer to equity691/2€470k€400k▼
To other reserves6921€470k€400k▼
Profit to be distributed694/7€429k-
Return on contributions (dividend)694€429k-
Social balance
Average headcount (FTE)90871.01.0=
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
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-03
Financial
Highest result since 2019net €553k ▲16.8%
Operating result €810k, net result €553k, both a record.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Equity above €1MEq €1.31M ▲32.6%
5 profitable years in a row build equity to €1.31M.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
31-03
Financial
Equity above €500kEq €506k ▲25.6%
2 profitable years in a row build equity to €506k.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
06-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 6 days late
2016
26-09
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, Florennes · 2 establishment units since 2010
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 des Fosses-au-Sable, Hanz. 315620 FlorennesGround area
1,623 m²
Building footprint
2,963 m²
Parcel 92058B0341/00G000, Wallonia. Linked by address, not a title deed.
2 establishment units
TOM-AGRI
since 20102.192.786.849
TOM-AGRI
since 20132.239.919.248
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92058B0341/00G000 | Wallonia | 1,623 m² | 1 · 2,963 m² | - |
Linked by address, not proof of ownership
Methodology
via establishment units: 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 siteMettet2.239.919.248
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Of 5,162 companies in sector 01110 we hold annual accounts for 611. 345 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded01-10-2010
Fiscal year end31-03
Activities, NACEBEL
01110Growing of cereals (except rice), leguminous crops and oil seeds
01130Growing of vegetables, melons, roots and tubers
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.