VANOVERBERGHE AGRI
ActiveSummary
VANOVERBERGHE AGRI has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10k and a net result of €52k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 3121 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+16
Solvency28▼-66
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.04 against 3.28 in 2024; short-term debt: 96.4% and cash: 15.1% of total assets), and 96.9% 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
3.1%
Return on assets
16%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 3121 sector peers (2025).
NBB · sector comparisonPosition among 3121 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 25-08-2026, 25 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 · 4 filingsDeviation from the deadline
2025
25 d late
2024
19 d late
2023
29 d late
2022
30 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 94.6%
2024 · €186k
2022: €83k
2023: €163k
2024: €186k
2022 → 2025
Total assets
€327k▲ 21.1%
2024 · €270k
2022: €180k
2023: €262k
2024: €270k
2022 → 2025
Net result
€52k▲ 108%
2024 · €25k
2022: €73k
2023: €80k
2024: €25k
2022 → 2025
Working capital
€12k▼ 93.7%
2024 · €188k
2022: €83k
2023: €163k
2024: €188k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€83k-€163k▲ 95.9%€186k▲ 14.6%€10k▼ 94.6%
Operating result€91k-€99k▲ 8.3%€31k▼ 68.9%€64k▲ 107%
Net result€73k-€80k▲ 9.0%€25k▼ 68.4%€52k▲ 108%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 107% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €327k
Fixed assets
€2 =
Current assets
€327k ▲ 21.1%
Equity and liabilities €327k
Equity
€10k ▼ 94.6%
Debt
€317k ▲ 279%
Debt's share of the balance-sheet total rises from 31.0% to 96.9%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.04▼
2024 · 3.28
Quick ratio
0.92▼
2024 · 3.03
Debt to equity
31.70▲
2024 · 0.45
ROE
523.1%▲
2024 · 13.5%
ROA
16.0%▲
2024 · 9.3%
Debt ≤ 1 year
€315k▲
2024 · €82k
Debt > 1 year
€2k▲
2024 · €2k
Income taxes
€14k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€270k€327k▲
Fixed assets21/28€2€2=
Tangible fixed assets22/27€2€2=
Plant, machinery and equipment23€2€2=
Current assets29/58€270k€327k▲
Stocks and contracts in progress3€21k€36k▲
Stocks30/36€21k€36k▲
Amounts receivable within one year40/41€113k€138k▲
Trade receivables40€106k€108k▲
Other amounts receivable41€7k€30k▲
Current investments50/53€60k€103k▲
Cash at bank and in hand54/58€75k€49k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€270k€327k▲
Equity10/15€186k€10k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€176k-
Amounts payable17/49€84k€317k▲
Amounts payable after more than one year17€2k€2k▲
Other amounts payable178/9€2k€2k▲
Amounts payable within one year42/48€82k€315k▲
Trade debts44€74k€81k▲
Suppliers440/4€74k€81k▲
Taxes, remuneration and social security45€8k€40k▲
Taxes450/3€7k€40k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48-€194k
Income statement
Code20242025
Other operating charges640/8€354€157▼
Gross operating margin9900€31k€64k▲
Operating profit (loss)9901€31k€64k▲
Financial income75/76B€619€2k▲
Recurring financial income75€619€2k▲
Financial charges65/66B€72€73▲
Recurring financial charges65€72€73▲
Profit (loss) for the period before taxes9903€31k€66k▲
Income taxes67/77€6k€14k▲
Profit (loss) for the period9904€25k€52k▲
Profit (loss) for the period to be appropriated9905€25k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€178k€229k▲
Profit (loss) brought forward from the previous period14P€153k€176k▲
Profit to be distributed694/7€2k€229k▲
Return on contributions (dividend)694-€229k
Directors or managers695€2k-
The notes to these accounts (2 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Weakest financial yearnet €25k ▼68.4%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2022net €80k ▲9%
Operating result €99k, net result €80k, both a record.
31-12
Financial
Equity above €150kEq €163k ▲95.9%
2 profitable years in a row build equity to €163k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 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, Nivelles · 1 establishment unit since 2022
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 Chaumont 11401 NivellesGround area
9,172 m²
Building footprint
140 m²
Parcel 25004B0230/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
VANOVERBERGHE AGRI
since 20222.329.386.902
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25004B0230/00C000 | Wallonia | 9,172 m² | 1 · 140 m² | - |
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 siteNivelles2.329.386.902
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Of 20,588 companies in sector 01500 we hold annual accounts for 1,149. 348 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2022
Fiscal year end31-12
Abbreviation FR
VANO AGRI
Activities, NACEBEL 2025
01500Mixed farming
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.