Ūkio paskola

FARM OVERVIEW

For more than thirteen years, a mixed farm located in the Kėdainiai district has been carrying out both livestock and crop production activities. The farmer keeps 30 dairy cows, 6 heifers and other livestock, while also cultivating wheat, barley and various other grain crops. The total declared farmland amounts to 54.86 ha, of which 16.44 ha are privately owned, and all farm work is performed by family members, ensuring stability, continuity and efficient management.

MACHINERY AND OPERATIONAL CAPACITY

The farm is equipped with all essential machinery required for both crop and livestock operations, including a tractor, trailer, seed drill, cultivator, fertiliser spreader and other tools that enable fully independent management of the production cycle. The available machinery ensures smooth day-to-day operations and efficient organisation of all agricultural processes.

FINANCIAL PERFORMANCE (2024)

According to the 2024 financial statements, the farm generated €88,294 in sales revenue, while subsidies amounted to €12,820, resulting in a €28,371 gross profit and a €23,765 operating profit after general and administrative expenses. Financial activity resulted in a €5,777 loss, leading to a final net profit of €17,786 for the year. The balance sheet reflects a stable financial structure, with €126,877 in total assets, €48,204 in equity, and €78,673 in liabilities.

LOAN PURPOSE AND REPAYMENT HISTORY

This is not the farmer’s first project on the Insoil platform — four loan agreements have been concluded to date, with two currently active and a combined outstanding balance of €19,469.56. Due to adverse weather conditions and resulting production losses, the farmer is experiencing temporary financial difficulties and has applied to Insoil for the refinancing of existing loans to reduce monthly instalments and stabilise cash flow.

LOAN SECURITY

To secure the refinancing loan, the farmer will pledge a 3.42 ha land plot, which has a Registry Centre-estimated value of €20,400, providing a solid collateral base and favourable LTV ratio for investors.

INVESTMENT ASSESSMENT

Given the farm’s long-standing experience in mixed agricultural production, diversified income structure, solid 2024 financial results and reliable repayment history on the Insoil platform, this project is evaluated as a financially sound, low-to-medium risk and sustainable investment opportunity, enabling the farm to restore liquidity and ensure continued operational growth.