'T GROEN
ActiveSummary
'T GROEN has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120k and a net result of €12k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 36% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
55
/ 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
Profitability45▲+1
Solvency43▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.53 against 0.54 in 2024; short-term debt: 35.5% and cash: 7.2% of total assets), and 82.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
17.8%
Return on assets
1.8%
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 22-05-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
70 d early
2023
79 d early
2022
76 d early
2021
53 d early
2020
63 d early
2019
79 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
€120k▲ 11.4%
2024 · €108k
2018: €82k
2019: €88k
2020: €109k
2021: €102k
2022: €110k
2023: €99k
2024: €108k
2018 → 2025
Total assets
€675k▼ 5.0%
2024 · €711k
2018: €461k
2019: €451k
2020: €456k
2021: €699k
2022: €643k
2023: €715k
2024: €711k
2018 → 2025
Net result
€12k▲ 35.7%
2024 · €9k
2018: €4k
2019: €6k
2020: €21k
2021: €42k
2022: €9k
2023: €-11k
2024: €9k
2018 → 2025
Working capital
€-113k▼ 1.3%
2024 · €-111k
2018: €15k
2019: €24k
2020: €43k
2021: €-78k
2022: €110k
2023: €-85k
2024: €-111k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€110k▲ 8.4%€99k▼ 10.1%€108k▲ 9.2%€120k▲ 11.4%
Operating result€75k-€34k▼ 54.8%€12k▼ 65.7%€38k▲ 229%€44k▲ 14.8%
Net result€42k-€9k▼ 79.6%€-11k€9k€12k▲ 35.7%
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 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €675k
Fixed assets
€548k ▼ 5.5%
Current assets
€127k ▼ 2.9%
Equity and liabilities €675k
Equity
€120k ▲ 11.4%
Debt
€555k ▼ 8.0%
Debt's share of the balance-sheet total falls from 84.8% to 82.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€88k▲
2024 · €77k
Cash flow
€56k▲
2024 · €48k
Current ratio
0.53▼
2024 · 0.54
Quick ratio
0.28▼
2024 · 0.28
Debt to equity
4.61▼
2024 · 5.58
ROE
10.2%▲
2024 · 8.4%
ROA
1.8%▲
2024 · 1.3%
Interest coverage
2.91▲
2024 · 2.83
Debt ≤ 1 year
€240k▼
2024 · €242k
Debt > 1 year
€315k▼
2024 · €360k
Income taxes
€6k▲
2024 · €2k
Staff costs
€67k▲
2024 · €59k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€711k€675k▼
Fixed assets21/28€580k€548k▼
Tangible fixed assets22/27€564k€548k▼
Land and buildings22€491k€475k▼
Plant, machinery and equipment23€5k€10k▲
Furniture and vehicles24€68k€64k▼
Financial fixed assets28€16k€175▼
Current assets29/58€131k€127k▼
Stocks and contracts in progress3€63k€61k▼
Stocks30/36€63k€61k▼
Amounts receivable within one year40/41€25k€17k▼
Trade receivables40€18k€9k▼
Other amounts receivable41€6k€9k▲
Cash at bank and in hand54/58€37k€48k▲
Deferred charges and accrued income490/1€7k€575▼
Equity and liabilities
Total equity and liabilities10/49€711k€675k▼
Equity10/15€108k€120k▲
Contributions10/11€60k€60k=
Reserves13€22k€34k▲
Distributable reserves133€22k€34k▲
Profit (loss) carried forward14€26k€26k=
Amounts payable17/49€603k€555k▼
Amounts payable after more than one year17€360k€315k▼
Financial debts170/4€360k€315k▼
Amounts payable within one year42/48€242k€240k▼
Current portion of amounts payable after more than one year42€72k€67k▼
Trade debts44€36k€25k▼
Suppliers440/4€36k€25k▼
Taxes, remuneration and social security45€24k€19k▼
Taxes450/3€8k€8k▼
Remuneration and social security454/9€16k€11k▼
Other amounts payable47/48€109k€129k▲
Accrued charges and deferred income492/3€834€700▼
Income statement
Code20242025
Remuneration, social security and pensions62€59k€67k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€44k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€139k€159k▲
Operating profit (loss)9901€38k€44k▲
Financial income75/76B€589€4k▲
Recurring financial income75€589€4k▲
Financial charges65/66B€27k€30k▲
Recurring financial charges65€27k€30k▲
Profit (loss) for the period before taxes9903€12k€18k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€9k€12k▲
Profit (loss) for the period to be appropriated9905€9k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€39k▲
Profit (loss) brought forward from the previous period14P€26k€26k=
Transfer to equity691/2€9k€12k▲
To other reserves6921€9k€12k▲
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
2026
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-12
Financial
Equity above €100kEq €108k ▲9.2%
Equity rises from €99k to €108k.
13-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-11k ▼230%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 1.64
Current ratio from 0.57 to 1.64; short-term debt falls from €183k to €173k.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €42k ▲95.6%
Operating result €75k, net result €42k, both a record.
29-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €109k ▲24.4%
3 profitable years in a row build equity to €109k.
Show earlier events
13-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-05
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
9 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, Berlare · 2 establishment units since 2008
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.
Emiel Hertecantlaan(B) 59290 BerlareGround area
692 m²
Building footprint
378 m²
Volume, LiDAR
1,582 m³
2 parcels, Flanders · tallest building 11.8 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
'T GROEN
since 20082.175.051.091
Alfons De Grauwelaan(B) 4A, 9290 Berlare
since 20232.392.559.537
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42003C0401/00C008 | Flanders | 447 m² | 1 · 282 m² | 11.8 m · 1 fl. |
| 42003C0401/00H011 | Flanders | 244 m² | 1 · 95 m² | - |
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.
Similar companies · same sector, comparable size
OLITOM
BE 0839.984.069
Jodoigne · Eq €120,454
PLEASANTVILLE
BE 0838.833.630
Antwerpen · Eq €120,480
CHANOU
BE 0446.736.864
Vorst · Eq €120,068
MI-FLEURS
BE 0871.020.210
Chastre · Eq €121,011
LA VIE EN VERT
BE 0479.463.971
Aywaille · Eq €119,733
Of 3,387 companies in sector 47761 we hold annual accounts for 1,156. 931 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
Founded12-12-2008
Fiscal year end31-12
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.