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Vertagro

Active
Private limited companyfounded 20206 yrs activeNieuwkerkestraat(Wulv) 65, 8952 Heuvelland, BelgiumKBO/BCE: BE 0751.920.046
Summary

Vertagro has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €873,634 and a net result of €8,664. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 12% of 6016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisWatch ReportCompare
VertagroActiveChecked score 67/100
Risk analysis ReportCompare

Overview

Activity
Wholesale trade
NACE 46215Wholesale trade NACE 46350
#3 company by total assets in Heuvelland, Wholesale and retail trade sector1 site
Size
€60.5mturnover 2025
Staff
3.2 FTE
Equity
€873,634
Profit
€8,664
Financial health
67 Healthy Checked score 2025
Bankruptcy chance 12 m
0.8%
Structure
Accounts 39 d early0 of 2 deeds read
Why 67- Equity €873,634 (9.3% of total assets)- 2 of the last 3 late- Founded in 2020+ Size: turnover €60.5m, 3.2 FTE, total assets €9.4mShow the evidence

Checked score

Score 2025
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 39% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 34=
equity 9.3% of total assets
Liquidity 57+8
short-term debt 21.3% · cash 11.4%
Profitability 43-6
return on assets 0.1%
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,788 companies)
Last 24 months 11-2024: 1.2% 12-2024: 1.2%● 0.0% vs 11-2024 01-2025: 1.2%▲ +3.3% vs 12-2024 02-2025: 1.2%▼ -3.3% vs 01-2025 03-2025: 1.2%▼ -0.9% vs 02-2025 04-2025: 1.1%▼ -0.3% vs 03-2025 05-2025: 1.2%▲ +2.8% vs 04-2025 06-2025: 1.4%▲ +15.3% vs 05-2025 07-2025: 1.4%▲ +6.5% vs 06-2025 08-2025: 1.9%▲ +32.2% vs 07-2025 09-2025: 2.1%▲ +11.8% vs 08-2025 10-2025: 3.1%▲ +45.4% vs 09-2025 11-2025: 3.2%▲ +1.3% vs 10-2025highest value 12-2025: 1.6%▼ -50.1% vs 11-2025 01-2026: 1.6%● 0.0% vs 12-2025 02-2026: 1.5%▼ -3.6% vs 01-2026 03-2026: 1.5%▼ -2.8% vs 02-2026 04-2026: 1.5%▼ -0.3% vs 03-2026 05-2026: 1.5%▲ +0.7% vs 04-2026 06-2026: 1.7%▲ +14.6% vs 05-2026 07-2026: 0.8%▼ -53.5% vs 06-2026lowest value 08-2026: 0.8%● 0.0% vs 07-2026lowest value 09-2026: 0.8%● 0.0% vs 08-2026lowest value 10-2026: 0.8%▲ +1.4% vs 09-2026
  • Size: turnover €60.5m, 3.2 FTE, total assets €9.4m lowers the probability for this profile
  • Equity €873,634 (9.3% of total assets) raises the probability
  • 2 of the last 3 late raises the probability
  • Founded in 2020 raises the probability for this profile
Credit up to €55,000 at 30 days acceptable
Liquidity ample (current ratio 4.61 against 4.62 in 2024; short-term debt: 21.3% and cash: 11.4% of total assets), but 90.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 23%, liquidity 63%, profitability 34%, growth against the median 36%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: turnover €60.5m, 3.2 FTE, total assets €9.4m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Equity €873,634 (9.3% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Founded in 2020
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 6016 sector peers (2025).
NBB · sector comparison
Position among 6016 sector peers
Solvency
better than 12%
← weakest strongest →
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 22-06-2026, 39 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
39 d early
2024
110 d late
2023
41 d late
2022
120 d late
2021
8 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 48 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

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. Usually files around 11 September (4 of the last 5 filed years within 78 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Weakest financial yearnet €8,664 ▼47.7%
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Caution: Among the weakest 13% on solvencysector median 45.7% · 6,016 companies 9.3% View
  • Positive: 5 profitable years in a rowprofit 2025: €8,664 5 years View
  • Turnover 20255 fiscal years filed €60.5m View

By topic

Financials

Fiscal year
2025
Turnover
€60.5m
Profit
€8,664
Solvency
9.3%
Turnover▼ 14.3%
Net result
20212025
Go to Financials

Timeline

Events
8
Since
2022
Next accounts
by 31-07-2027
  1. 22-06-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 18-11-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Wholesale tradeNACE 46215
Founded
10-08-2020
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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