VMS AGRO
ActiveVMS AGRO has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €422k and a net result of €28k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 80% of 3096 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-7
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 3.4 against 3.56 in 2024), and 29.7% 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○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
70.3%
Return on assets
4.7%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
20 d late
2023
106 d early
2022
83 d early
2021
87 d early
2020
32 d early
2019
31 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€422k▲ 7.2%
2024 · €393k
2018: €276k
2019: €302k
2020: €321k
2021: €268k
2022: €344k
2023: €361k
2024: €393k
2018 → 2025
Total assets
€600k▲ 2.7%
2024 · €584k
2018: €604k
2019: €586k
2020: €545k
2021: €515k
2022: €611k
2023: €557k
2024: €584k
2018 → 2025
Net result
€28k▼ 12.3%
2024 · €32k
2018: €-7k
2019: €27k
2020: €18k
2021: €-53k
2022: €77k
2023: €16k
2024: €32k
2018 → 2025
Working capital
€242k▲ 18.9%
2024 · €204k
2018: €128k
2019: €156k
2020: €155k
2021: €90k
2022: €141k
2023: €155k
2024: €204k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€268k-€344k▲ 28.8%€361k▲ 4.7%€393k▲ 9.0%€422k▲ 7.2%
Operating result€-48k-€93k€36k▼ 60.9%€58k▲ 60.7%€59k▲ 1.6%
Net result€-53k-€77k€16k▼ 78.8%€32k▲ 98.6%€28k▼ 12.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €600k
Fixed assets
€257k▼ 14.5%
Current assets
€343k▲ 21.0%
Equity and liabilities €600k
Equity
€422k▲ 7.2%
Debt
€178k▼ 6.5%
The debt ratio falls from 32.7% to 29.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€110k▼
2024 · €112k
Cash flow
€79k▼
2024 · €86k
Solvency
70.3%▲
2024 · 67.3%
Current ratio
3.40▼
2024 · 3.56
Quick ratio
2.48▲
2024 · 1.70
Debt / equity
0.42▼
2024 · 0.49
ROE
6.7%▼
2024 · 8.2%
ROA
4.7%▼
2024 · 5.5%
Interest coverage
10.71▲
2024 · 9.04
Debt
€178k▼
2024 · €191k
Debt ≤ 1 year
€101k▲
2024 · €80k
Debt > 1 year
€71k▼
2024 · €94k
Income taxes
€21k▲
2024 · €14k
Staff costs
€149k▲
2024 · €110k
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€584k€600k▲
Fixed assets21/28€301k€257k▼
Tangible fixed assets22/27€301k€257k▼
Land and buildings22€158k€147k▼
Plant, machinery and equipment23€23k€18k▼
Furniture and vehicles24€58k€39k▼
Other tangible fixed assets26€61k€53k▼
Assets under construction and advance payments27€0-
Current assets29/58€283k€343k▲
Stocks and contracts in progress3€148k€93k▼
Stocks30/36€148k€93k▼
Amounts receivable within one year40/41€2k€720▼
Trade receivables40-€713
Other amounts receivable41€2k€7▼
Current investments50/53€28k€8k▼
Cash at bank and in hand54/58€97k€235k▲
Deferred charges and accrued income490/1€8k€5k▼
Equity and liabilities
Total equity and liabilities10/49€584k€600k▲
Equity10/15€393k€422k▲
Contributions10/11€230k€230k=
Reserves13€163k€192k▲
Distributable reserves133€163k€192k▲
Amounts payable17/49€191k€178k▼
Amounts payable after more than one year17€94k€71k▼
Financial debts170/4€31k€8k▼
Other amounts payable178/9€63k€63k=
Amounts payable within one year42/48€80k€101k▲
Current portion of amounts payable after more than one year42€22k€22k▲
Trade debts44€20k€5k▼
Suppliers440/4€20k€5k▼
Advances received on contracts in progress46€16k€29k▲
Taxes, remuneration and social security45€22k€40k▲
Taxes450/3€14k€29k▲
Remuneration and social security454/9€7k€11k▲
Other amounts payable47/48€141€4k▲
Accrued charges and deferred income492/3€17k€6k▼
Income statement
Code20242025
Non-recurring operating income76A€4k€4k=
Remuneration, social security and pensions62€110k€149k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€50k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€224k€261k▲
Operating profit (loss)9901€58k€59k▲
Financial income75/76B€268€735▲
Recurring financial income75€268€735▲
Financial charges65/66B€12k€10k▼
Recurring financial charges65€12k€10k▼
Profit (loss) for the period before taxes9903€46k€50k▲
Income taxes67/77€14k€21k▲
Profit (loss) for the period9904€32k€28k▼
Profit (loss) for the period to be appropriated9905€32k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€28k▼
Transfer to equity691/2€32k€28k▼
To the legal reserve6920€32k€28k▼
The notes to these accounts (14 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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
16-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €77k
Net result €77k after one loss-making year.
05-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-53k ▼390%
Net result drops to €-53k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
Herman Vanmarsenille
CurrentDirector · since 02-03-2023
02-03-2023
Appointed as Director
Location & real-estate footprint
Registered office, Gingelom · 1 establishment unit since 2002
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.
Boekhoutstraat 403890 GingelomGround area
1,474 m²
Building footprint
239 m²
Volume, LiDAR
1,369 m³
Parcel 71007B0038/00B000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Boekhoutstraat 40, 3890 Gingelom
since 20022.095.912.850
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71007B0038/00B000 | Flanders | 1,474 m² | 1 · 239 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.
Similar companies · same sector, comparable size
HERTEN FRUIT
BE 0466.972.450
Wellen · Eq €420k
DEMETER
BE 0861.724.838
Sint-Truiden · Eq €426k
Clément GREGOIRE EN Zn
BE 0431.600.510
Braives · Eq €417k
ENGELBOSCH FRUIT
BE 0811.781.518
Sint-Truiden · Eq €414k
BOFRUIT
BE 0521.793.187
Waremme · Eq €414k
Of 1,344 companies in sector 01240 we hold annual accounts for 320. 272 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2002
Fiscal year end31-12
Activities, NACEBEL
01130Growing of vegetables, melons, roots and tubers
01240Growing of pome and stone fruits
01110Growing of cereals (except rice), leguminous crops and oil seeds
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.