The study is devoted to the analysis of the financial stability of companies in the third sector of the agro-industrial complex (AIC) using the models of Du Pont, Altman, Lis and Sayfullin-Kadykov on the example of enterprises in the Novgorod region. Bankruptcy is a situation in which a legal entity or individual is unable to pay off its existing debt. The relevance of this topic is determined by the fact that due to the complex epidemiological situation, the threat of bankruptcy has now become a reality for a large number of companies around the world. That is why an important task is to maintain the company’s solvency and strengthen its financial independence, which will ensure long-term sustainable growth of the company in the market and avoid its liquidation. To solve this problem, the authors carry out modeling of the financial stability and solvency of companies. At the end of the analysis, there are reserves for increasing and ways to improve the financial condition of companies in the third sector of the agro-industrial complex in the region.

The agro-industrial complex plays one of the main roles in the economy not only of the Russian Federation, but also of all countries of the world. The standard of living of the population and food security of the country directly depend on the development of the agro-industrial complex and its support by the state. Enterprises of the first and third spheres of the agro-industrial complex in their activities are focused on the development of the second sphere of the agro-industrial complex–agricultural production, which is characterized by natural, technological and economic features. Agricultural production is significantly associated with natural factors, this relationship determined the riskiness of this industry and taking into account the features in all processes of enterprise development and the choice of state regulation mechanisms. The development of agricultural production and related industries is impossible without the attraction of borrowed funds and the formation of specific approaches in the process of financial and credit services. Credit organizations, serving enterprises in this industry, take this factor into account, and provide an opportunity to draw up a convenient schedule for debt repayment.