V & O FRUIT
ActiveV & O FRUIT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €267k and a net result of €58k. Equity is growing by ~50.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 3101 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency69▲+14
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 1.36 in 2024), but 63.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← 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
36.7%
Return on assets
8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
11 d early
2023
2 d early
2022
4 d early
2021
2 d late
2020
6 d early
2019
29 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€267k▲ 28.0%
2024 · €209k
2019: €39k
2020: €116k
2021: €15k
2022: €76k
2023: €140k
2024: €209k
2019 → 2025
Total assets
€727k▲ 3.9%
2024 · €700k
2019: €428k
2020: €514k
2021: €477k
2022: €491k
2023: €554k
2024: €700k
2019 → 2025
Net result
€58k▼ 15.1%
2024 · €69k
2019: €-3k
2020: €77k
2021: €-101k
2022: €61k
2023: €63k
2024: €69k
2019 → 2025
Working capital
€116k▲ 37.9%
2024 · €84k
2019: €11k
2020: €47k
2021: €-112k
2022: €-44k
2023: €48k
2024: €84k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€76k▲ 398%€140k▲ 82.9%€209k▲ 49.3%€267k▲ 28.0%
Operating result€-99k-€63k€72k▲ 14.6%€101k▲ 41.0%€80k▼ 21.5%
Net result€-101k-€61k€63k▲ 3.7%€69k▲ 8.7%€58k▼ 15.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €727k
Fixed assets
€391k▲ 1.9%
Current assets
€336k▲ 6.4%
Equity and liabilities €727k
Equity
€267k▲ 28.0%
Debt
€460k▼ 6.3%
The debt ratio falls from 70.2% to 63.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€166k▼
2024 · €166k
Cash flow
€145k▲
2024 · €134k
Solvency
36.7%▲
2024 · 29.8%
Current ratio
1.53▲
2024 · 1.36
Quick ratio
1.53▲
2024 · 1.36
Debt / equity
1.72▼
2024 · 2.36
ROE
21.9%▼
2024 · 33.0%
ROA
8.0%▼
2024 · 9.8%
Interest coverage
55.17▼
2024 · 105.22
Debt
€460k▼
2024 · €491k
Debt ≤ 1 year
€220k▼
2024 · €232k
Debt > 1 year
€240k▼
2024 · €260k
Income taxes
€18k▼
2024 · €31k
Staff costs
€74k▼
2024 · €79k
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€700k€727k▲
Fixed assets21/28€384k€391k▲
Tangible fixed assets22/27€384k€391k▲
Plant, machinery and equipment23€242k€232k▼
Furniture and vehicles24€42k€78k▲
Leasing and similar rights25€101k€82k▼
Current assets29/58€316k€336k▲
Amounts receivable within one year40/41€43k€26k▼
Trade receivables40€31k€5k▼
Other amounts receivable41€12k€21k▲
Current investments50/53€1k€1k=
Cash at bank and in hand54/58€267k€293k▲
Deferred charges and accrued income490/1€5k€15k▲
Equity and liabilities
Total equity and liabilities10/49€700k€727k▲
Equity10/15€209k€267k▲
Contributions10/11€52k€52k=
Reserves13€156k€215k▲
Distributable reserves133€156k€215k▲
Amounts payable17/49€491k€460k▼
Amounts payable after more than one year17€260k€240k▼
Financial debts170/4€260k€240k▼
Amounts payable within one year42/48€232k€220k▼
Current portion of amounts payable after more than one year42€19k€19k▲
Trade debts44€53k€38k▼
Suppliers440/4€53k€38k▼
Taxes, remuneration and social security45€6k€9k▲
Taxes450/3€199€0▼
Remuneration and social security454/9€6k€9k▲
Other amounts payable47/48€154k€154k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Remuneration, social security and pensions62€79k€74k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€86k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€247k€242k▼
Operating profit (loss)9901€101k€80k▼
Financial income75/76B€0€3▲
Recurring financial income75€0€3▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€100k€77k▼
Income taxes67/77€31k€18k▼
Profit (loss) for the period9904€69k€58k▼
Profit (loss) for the period to be appropriated9905€69k€58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€69k€58k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€69k€58k▼
To other reserves6921€69k€58k▼
The notes to these accounts (10 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €200kEq €209k ▲49.3%
3 profitable years in a row build equity to €209k.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €100kEq €140k ▲82.9%
2 profitable years in a row build equity to €140k.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €61k
Net result €61k after one loss-making year.
02-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
30-06
Financial
Weakest financial yearnet €-101k ▼230%
Net result drops to €-101k, the lowest in the series; recovery starts the following year.
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €77k
Net result €77k after one loss-making year.
30-06
Financial
Equity above €100kEq €116k ▲200%
Equity rises from €39k to €116k.
02-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-01
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
3 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, Sint-Truiden · 1 establishment unit 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.
Vrijheersstraat 43800 Sint-TruidenGround area
991 m²
Building footprint
551 m²
Volume, LiDAR
3,265 m³
Parcel 71014B0408/00P000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vrijheersstraat 4, 3800 Sint-Truiden
since 20082.172.708.443
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71014B0408/00P000 | Flanders | 991 m² | 1 · 551 m² | 10.7 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
2023 to 2025 · 3 entries · 42,657 EUR awarded · 42,657 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 19,251 EUR | 19,251 EUR |
| 2024 | 1 | 8,043 EUR | 8,043 EUR |
| 2023 | 1 | 15,363 EUR | 15,363 EUR |
Schemes
Brede weersverzekering
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Truiden2.172.708.443
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Of 5,163 companies in sector 01110 we hold annual accounts for 611. 498 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-08-2008
Fiscal year end30-06
Activities, NACEBEL
01110Growing of cereals (except rice), leguminous crops and oil seeds
01240Growing of pome and stone fruits
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0476/256715