't Fruithuis
Active't Fruithuis has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €122k and a net result of €-4k. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 20% of 7955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-5
Solvency38▼-9
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 1.38 in 2024; short-term debt: 21.9% and cash: 14.2% of total assets), but 86.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 7955 sector peers (2025).
NBB · sector comparisonPosition among 7955 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
84 d early
2023
22 d early
2022
6 d early
2021
17 d early
2020
5 d early
2019
45 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€122k▼ 3.5%
2024 · €126k
2018: €42k
2019: €42k
2020: €73k
2021: €105k
2022: €81k
2023: €110k
2024: €126k
2018 → 2025
Total assets
€926k▲ 61.4%
2024 · €574k
2018: €565k
2019: €505k
2020: €553k
2021: €534k
2022: €519k
2023: €651k
2024: €574k
2018 → 2025
Net result
€-4k
2024 · €19k
2018: €21k
2019: €753
2020: €32k
2021: €35k
2022: €-23k
2023: €38k
2024: €19k
2018 → 2025
Working capital
€254k▲ 227%
2024 · €78k
2018: €134k
2019: €109k
2020: €121k
2021: €128k
2022: €47k
2023: €66k
2024: €78k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€81k▼ 23.3%€110k▲ 36.6%€126k▲ 14.4%€122k▼ 3.5%
Operating result€58k-€-16k€46k€30k▼ 34.1%€3k▼ 89.1%
Net result€35k-€-23k€38k€19k▼ 50.5%€-4k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 89% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €926k
Fixed assets
€470k▲ 61.6%
Current assets
€456k▲ 61.2%
Equity and liabilities €926k
Equity
€122k▼ 3.5%
Debt
€804k▲ 79.7%
The debt ratio rises from 78.0% to 86.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€89k▼
2024 · €114k
Cash flow
€83k▼
2024 · €103k
Solvency
13.1%▼
2024 · 22.0%
Current ratio
2.25▲
2024 · 1.38
Quick ratio
2.18▲
2024 · 1.29
Debt / equity
6.61▲
2024 · 3.55
ROE
-3.0%▼
2024 · 14.8%
ROA
-0.4%▼
2024 · 3.3%
Interest coverage
9.42▼
2024 · 17.10
Debt
€804k▲
2024 · €448k
Debt ≤ 1 year
€202k▼
2024 · €205k
Debt > 1 year
€600k▲
2024 · €240k
Income taxes
€334▼
2024 · €8k
Staff costs
€184k▼
2024 · €200k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€574k€926k▲
Fixed assets21/28€291k€470k▲
Tangible fixed assets22/27€288k€467k▲
Land and buildings22€219k€396k▲
Plant, machinery and equipment23€13k€33k▲
Furniture and vehicles24€50k€32k▼
Other tangible fixed assets26€6k€6k=
Financial fixed assets28€3k€3k=
Current assets29/58€283k€456k▲
Stocks and contracts in progress3€17k€14k▼
Stocks30/36€17k€14k▼
Amounts receivable within one year40/41€107k€303k▲
Trade receivables40€91k€104k▲
Other amounts receivable41€16k€199k▲
Current investments50/53€30k€0▼
Cash at bank and in hand54/58€116k€131k▲
Deferred charges and accrued income490/1€12k€7k▼
Equity and liabilities
Total equity and liabilities10/49€574k€926k▲
Equity10/15€126k€122k▼
Contributions10/11€19k€19k=
Reserves13€107k€107k=
Tax-exempt reserves132€6k€6k=
Distributable reserves133€101k€101k=
Profit (loss) carried forward14€0€-4k▼
Investment grants15€756€0▼
Amounts payable17/49€448k€804k▲
Amounts payable after more than one year17€240k€600k▲
Financial debts170/4€240k€600k▲
Amounts payable within one year42/48€205k€202k▼
Current portion of amounts payable after more than one year42€84k€83k▼
Trade debts44€61k€58k▼
Suppliers440/4€61k€58k▼
Taxes, remuneration and social security45€47k€61k▲
Taxes450/3€11k€30k▲
Remuneration and social security454/9€37k€31k▼
Other amounts payable47/48€13k€0▼
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€200k€184k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84k€86k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€0▼
Other operating charges640/8€7k€7k▲
Gross operating margin9900€323k€281k▼
Operating profit (loss)9901€30k€3k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€7k€10k▲
Recurring financial charges65€7k€10k▲
Profit (loss) for the period before taxes9903€27k€-3k▼
Income taxes67/77€8k€334▼
Profit (loss) for the period9904€19k€-4k▼
Profit (loss) for the period to be appropriated9905€19k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€-4k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€0-
Transfer to equity691/2€17k€0▼
To other reserves6921€17k€0▼
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
Social balance
Average headcount (FTE)90875.05.1▲
The notes to these accounts (25 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
31-12
Financial
Equity above €100kEq €110k ▲36.6%
Equity rises from €81k to €110k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-23k ▼167%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €100kEq €105k ▲44%
4 profitable years in a row build equity to €105k.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 45 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 9 days late
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Poperinge · 1 establishment unit since 2006
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.
Krombeekseweg 608970 PoperingeGround area
1,886 m²
Building footprint
473 m²
Volume, LiDAR
2,097 m³
Parcel 33312A0333/06W000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
't Fruithuis
since 20062.155.665.840
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33312A0333/06W000 | Flanders | 1,886 m² | 1 · 473 m² | 9.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 315 EUR awarded · 315 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 53 EUR | 53 EUR |
| 2022 | 1 | 262 EUR | 262 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 sitePoperinge2.155.665.840
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Of 956 companies in sector 46319 we hold annual accounts for 609. 394 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2006
Fiscal year end31-12
Activities, NACEBEL
46319Wholesale of fruit and vegetables, excluding potatoes
47210Retail sale of fruit and vegetables
51310
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0486.91.73.75