Equity
€163,370 ▲ 67.9%
FINE FRUITS has made a profit without a break since 2023.
FINE FRUITS
Lifetime
5 annual accounts with figures on one time axisGross marginpeak €427,170 (2025)
€427,170▲ 82.9%
Resultlowest -€48,186 (2022)
€66,071▲ 37×
Equitypeak €163,370 (2025)
€163,370▲ 67.9%
Debts
€501,432▲ 1.8%
Board1 name since 2021
1 directorVAN KERCKVOORDE Vincent
Documentsfilings and deeds
28-08-202628 days late
2025abbreviated format
Gross margin from €233,592 to €427,170Result from €1,790 to €66,071Equity from €97,299 to €163,370
Key points
from the 2025 annual accountsResult
€66,071 ▲ 37×
The result rose in 2025 from €1,790 to €66,071.
Turnover
≈ €1.1m estimated
The accounts state no turnover.
Debts
€501,432 75% of the balance sheet
Financial debts 21%Suppliers 10%Taxes and wages 7%Other 62%
Of this, €352,607 falls due within a year.
Staff
1 employees on 31-12-2025
In 2025, 72 people joined and 71 left.
Filings
5 annual accounts 4 late
The 2025 accounts came latest: 28 days after the end of the period.
Staff (FTE) +113%: other schema
Checked score
96
Excellent
Financially stronger than 71% of micro companies in crop and animal production (NACE 01)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 5,692 companies (NACE 01, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: < 0.1%▼ -0.1 percentage points vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: 0.1%▲ +0.1 percentage points vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: < 0.1%▼ -0.1 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: 0.1%▲ +0.1 percentage points vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026highest value
09-2026: < 0.1%▼ -0.2 percentage points vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Sector: Crop and animal production, hunting and related service activities (NACE 01)
Size: total assets €664,802
Liquidity: current ratio 1.07, cash €350,397
Figures for financial year 2025 (filed on 29-08-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 01, micro). It does better than 39% of them on solvency, 81% on liquidity, 76% on profitability and 90% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,684 companies had the same profile as FINE FRUITS has now. Each dot stands for 7 companies, two years later.
97.3%
were still trading
1.2%
stopped another way
1.3%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FINE FRUITS itself is lower: < 0.1% within 12 months. It rests on far more data about FINE FRUITS than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,684 companies, not a prediction for FINE FRUITS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €15,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.07 (0.84 in 2024), below the usual 1.5. Short-term debt is 53% and cash 52.7% of total assets. 75.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
28 days late
2024
25 days late
2023
31 days early
2022
23 days late
2021
25 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 14 days after the deadline. In the sector (NACE 01), the median for financial year 2024 was 3 days before the deadline, and 37% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0767638994
Incorporation
Founder: VAN KERCKVOORDE Vincent · Founding capital of €20,000, 200 shares · Appointment: VAN KERCKVOORDE Vincent (director) · published on 03-05-2021 · Gazette deed
First establishment
Keibergstraat 3, Landen
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| FINE FRUITS Landen | €0.7m | €427,170 | 24.6% | - |
| V-SORT Glabbeek | €0.5m | €783,575 | 8.8% | - |
| RTM KOELING Geetbets | €0.6m | €174,584 | 38.7% | - |
| BRUNO CHARLIER Overijse | €0.4m | €186,134 | 44.0% | - |
| VANMEER RJ Sint-Truiden | €0.4m | €160,956 | 26.9% | - |
| Cherrytree Sint-Truiden | €0.4m | €179,060 | 47.6% | - |
| Domein Lone Tongeren-Borgloon | €1.7m | €486,836 | 21.3% | - |
These companies have the same main activity as FINE FRUITS: growing of pome and stone fruits (NACE 01240). They are comparable in size and age: total assets between €409,000 and €1.7m, founded between 2020 and 2022.
Official details
Source: KBO- Status
- Active since 29-04-2021Normal situation
- Activity
- Growing of pome and stone fruitsNACE 01240and 2 others
- Joint committee
- 145Horticulture · annual accounts 2023
- Establishment unit
- 2.317.336.0373400 Landen, since 29-04-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 04-12-2025
Annual accounts 2025
- Total assets
- €664,802▲ 12.7%
- Employeeson 31-12-2025
- 1
- Filing
- Filed on 28-08-2026
Insights on FINE FRUITS
FINE FRUITS files the abbreviated format. That format states no turnover. The gross margin rose from €241,715 in 2021 to €427,170 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FINE FRUITS
- What is the company number of FINE FRUITS?
- The company number of FINE FRUITS is 0767.638.994. The VAT number is the same number with BE in front: BE 0767.638.994.
- Where is FINE FRUITS based?
- The registered office is at Keibergstraat 3, 3400 Landen.Company details
- What does FINE FRUITS do?
- According to the KBO register, the main activity is growing of pome and stone fruits (NACE 01240).
- What is the legal form of FINE FRUITS?
- FINE FRUITS is a private limited company (BV).
- When was FINE FRUITS founded?
- FINE FRUITS was founded on 29-04-2021.
- Is FINE FRUITS still active?
- Yes, FINE FRUITS is an active enterprise in the KBO register.
- How many employees does FINE FRUITS have?
- FINE FRUITS had an average of 13 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does FINE FRUITS fall under?
- In its 2023 annual accounts, FINE FRUITS states joint committee 145 (Horticulture).
- What is the turnover of FINE FRUITS?
- The turnover in financial year 2025 is ≈ €1.1m. This figure is estimated from the gross margin of €427,170 and 39 comparable companies (NACE 01). It probably lies between €790,000 and €1.3m.
- Is FINE FRUITS profitable?
- In financial year 2025, FINE FRUITS made a profit of €66,071.
- Where can I find the annual accounts of FINE FRUITS?
- FINE FRUITS filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FINE FRUITS due?
- FINE FRUITS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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