ELKE'S FRUIT
ActiveSummary
ELKE'S FRUIT has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203k and a net result of €-4k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 41% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-1
Solvency63▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.33 against 0.39 in 2024; short-term debt: 62% and cash: 10.6% of total assets), and 62% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
49 d late
2023
61 d late
2022
30 d late
2021
59 d late
2020
27 d late
2019
32 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-4k
2024 · €3k
2018: €10k
2019: €-32k
2020: €46k
2021: €106k
2022: €16k
2023: €3k
2024: €3k
2018 → 2025
Working capital
€-223k▲ 1.6%
2024 · €-227k
2018: €54k
2019: €5k
2020: €-32k
2021: €-18k
2022: €-49k
2023: €-285k
2024: €-227k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€184k-€200k▲ 8.9%€204k▲ 1.7%€207k▲ 1.5%€203k▼ 1.9%
Operating result€121k-€19k▼ 84.1%€10k▼ 49.5%€10k▲ 3.7%€-1k
Net result€106k-€16k▼ 84.5%€3k▼ 78.7%€3k▼ 9.6%€-4k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €10k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €534k
Fixed assets
€426k ▼ 1.8%
Current assets
€108k ▼ 25.1%
Equity and liabilities €534k
Equity
€203k ▼ 1.9%
Debt
€332k ▼ 10.8%
Debt's share of the balance-sheet total falls from 64.2% to 62.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€49k▼
2024 · €65k
Cash flow
€47k▼
2024 · €58k
Current ratio
0.33▼
2024 · 0.39
Quick ratio
0.29▼
2024 · 0.37
Debt to equity
1.63▼
2024 · 1.80
ROE
-2.0%▼
2024 · 1.5%
ROA
-0.8%▼
2024 · 0.5%
Interest coverage
25.79▲
2024 · 24.69
Debt ≤ 1 year
€332k▼
2024 · €372k
Income taxes
€734▼
2024 · €4k
Staff costs
€11k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€578k€534k▼
Fixed assets21/28€434k€426k▼
Tangible fixed assets22/27€434k€426k▼
Land and buildings22€363k€383k▲
Plant, machinery and equipment23€12k€10k▼
Furniture and vehicles24€59k€34k▼
Financial fixed assets28€124€124=
Current assets29/58€145k€108k▼
Stocks and contracts in progress3€8k€12k▲
Stocks30/36€8k€12k▲
Amounts receivable within one year40/41€45k€35k▼
Trade receivables40€45k€34k▼
Other amounts receivable41€0€978▲
Cash at bank and in hand54/58€89k€57k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€578k€534k▼
Equity10/15€207k€203k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€11k€11k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€5k€5k=
Profit (loss) carried forward14€134k€130k▼
Amounts payable17/49€372k€332k▼
Amounts payable within one year42/48€372k€332k▼
Trade debts44€90k€83k▼
Suppliers440/4€90k€83k▼
Taxes, remuneration and social security45€13k€7k▼
Taxes450/3€8k€1k▼
Remuneration and social security454/9€5k€6k▲
Other amounts payable47/48€269k€241k▼
Income statement
Code20242025
Non-recurring operating income76A-€7k
Remuneration, social security and pensions62€12k€11k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€51k▼
Other operating charges640/8€12k€5k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€89k€65k▼
Operating profit (loss)9901€10k€-1k▼
Financial income75/76B€34€0▼
Recurring financial income75€34€0▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€7k€-3k▼
Income taxes67/77€4k€734▼
Profit (loss) for the period9904€3k€-4k▼
Profit (loss) for the period to be appropriated9905€3k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€134k€130k▼
Profit (loss) brought forward from the previous period14P€131k€134k▲
Social balance
Average headcount (FTE)90870.50.4▼
The notes to these accounts (13 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 49 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €200kEq €200k ▲8.9%
3 profitable years in a row build equity to €200k.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Highest result since 2018net €106k ▲131%
Operating result €121k, net result €106k, both a record.
31-12
Financial
Equity above €150kEq €184k ▲135%
2 profitable years in a row build equity to €184k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
31-12
Financial
Weakest financial yearnet €-32k ▼423%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
Show earlier events
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Bilzen-Hoeselt · 1 establishment unit since 1991
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.
Kapittelstraat 123740 Bilzen-HoeseltGround area
3,297 m²
Building footprint
931 m²
Volume, LiDAR
4,097 m³
Parcel 73006G0163/00B000, Flanders · tallest building 5.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ELKE'S FRUIT NV
since 19912.052.806.050
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006G0163/00B000 | Flanders | 3,297 m² | 1 · 930 m² | 5.2 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
2025 · 1 entry · 2,420 EUR awarded · 2,420 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,420 EUR | 2,420 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Recognitions · licences · registrations
Food safety, FASFC
1 siteBilzen-Hoeselt2.052.806.050
Similar companies · same sector, comparable size
NEW GREEN
BE 0806.466.611
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Crotoni Trading BVBA
BE 0439.239.358
Lier · Eq €201,941
MASSART
BE 0438.647.757
Mortsel · Eq €201,771
JETTOCRESS
BE 0474.696.026
Kortrijk · Eq €200,903
VAN AKEN
BE 0447.042.910
Merchtem · Eq €205,686
Of 956 companies in sector 46319 we hold annual accounts for 609. 423 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded08-04-1991
Fiscal year end31-12
Activities, NACEBEL 2025
46319Wholesale of fruit and vegetables, excluding potatoes
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.