Zandagro
ActiveSummary
Zandagro has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €13k. Equity is growing by ~37.1% per year across the filed fiscal years. Its solvency ranks better than 93% of 3121 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-12
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 9.88 against 4.88 in 2024; short-term debt: 10.1% and cash: 35.6% of total assets), and 10.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
89.3%
Return on assets
20.4%
Age of the figures
9 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 03-06-2026, 58 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
58 d early
2024
49 d early
2023
51 d early
← 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
€59k▲ 29.5%
2024 · €46k
2023: €25k
2024: €46k
2023 → 2025
Total assets
€66k▲ 15.3%
2024 · €57k
2023: €60k
2024: €57k
2023 → 2025
Net result
€13k▼ 33.9%
2024 · €20k
2023: €22k
2024: €20k
2023 → 2025
Working capital
€59k▲ 30.4%
2024 · €46k
2023: €25k
2024: €46k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€25k-€46k▲ 80.8%€59k▲ 29.5%
Operating result€28k-€25k▼ 8.3%€18k▼ 29.4%
Net result€22k-€20k▼ 8.3%€13k▼ 33.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 29% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €66k
Equity
€59k ▲ 29.5%
Debt
€7k ▼ 39.6%
Debt's share of the balance-sheet total falls from 20.5% to 10.7%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
9.88▲
2024 · 4.88
Debt to equity
0.12▼
2024 · 0.26
ROE
22.8%▼
2024 · 44.7%
ROA
20.4%▼
2024 · 35.5%
Debt ≤ 1 year
€7k▼
2024 · €12k
Income taxes
€4k▼
2024 · €5k
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 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€57k€66k▲
Current assets29/58€57k€66k▲
Amounts receivable within one year40/41€38k€43k▲
Trade receivables40€38k€42k▲
Other amounts receivable41€24€937▲
Cash at bank and in hand54/58€19k€24k▲
Equity and liabilities
Total equity and liabilities10/49€57k€66k▲
Equity10/15€46k€59k▲
Contributions10/11€3k€3k=
Reserves13€43k€56k▲
Distributable reserves133€43k€56k▲
Amounts payable17/49€12k€7k▼
Amounts payable within one year42/48€12k€7k▼
Trade debts44€10k€7k▼
Suppliers440/4€10k€7k▼
Taxes, remuneration and social security45€2k€0▼
Taxes450/3€2k€0▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Other operating charges640/8€664€682▲
Gross operating margin9900€26k€19k▼
Operating profit (loss)9901€25k€18k▼
Financial charges65/66B€44€40▼
Recurring financial charges65€44€40▼
Profit (loss) for the period before taxes9903€25k€18k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€20k€13k▼
Profit (loss) for the period to be appropriated9905€20k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€13k▼
Transfer to equity691/2€20k€13k▼
To other reserves6921€20k€13k▼
The notes to these accounts (1 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €13k ▼33.9%
Net result drops to €13k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 9.88
Current ratio from 4.88 to 9.88; short-term debt falls from €12k to €7k.
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 4.88
Current ratio from 1.73 to 4.88; short-term debt falls from €34k to €12k.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Dessel · 1 establishment unit since 2023
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.
Zanddijk 552480 DesselGround area
1.6 ha
Building footprint
1,642 m²
Volume, LiDAR
3,993 m³
Parcel 13006C0413/00B000, Flanders · tallest building 12.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Zandagro
since 20232.344.073.789
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13006C0413/00B000 | Flanders | 1.6 ha | 1 · 1,642 m² | 12.8 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDessel2.344.073.789
Similar companies · same sector, comparable size
AGRIUM BELGIUM
BE 0466.049.366
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FERME GARDIN-VIGNAUX
BE 0757.697.682
Hannut · Eq €58,493
GESSAVE
BE 0451.961.206
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HPC AGRI
BE 0881.031.402
Ath · Eq €58,220
DEHON SEBASTIEN PAUL
BE 0553.707.771
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Of 5,167 companies in sector 01110 we hold annual accounts for 612. 413 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
Founded14-04-2023
Fiscal year end31-12
Activities, NACEBEL 2025
01110Growing of cereals (except rice), leguminous crops and oil seeds
01130Growing of vegetables, melons, roots and tubers
01610Support activities for crop production
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.