FRUBELCO
ActiveFRUBELCO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.04M and a net result of €243k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 62% of 1832 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+9
Solvency75▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 1.42 in 2024; short-term debt: 29.6% and cash: 9.5% of total assets), and 50% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
50%
Return on assets
11.7%
Age of the figures
9 mo
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
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
13 d early
2023
27 d late
2022
21 d early
2021
12 d early
2020
29 d late
2019
37 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.04M▲ 30.5%
2024 · €796k
2018: €463k
2019: €549k
2020: €574k
2021: €585k
2022: €730k
2023: €717k
2024: €796k
2018 → 2025
Total assets
€2.08M▼ 1.7%
2024 · €2.11M
2018: €1.13M
2019: €1.50M
2020: €1.62M
2021: €1.68M
2022: €2.38M
2023: €2.35M
2024: €2.11M
2018 → 2025
Net result
€243k▲ 201%
2024 · €81k
2018: €-24k
2019: €86k
2020: €25k
2021: €11k
2022: €145k
2023: €-13k
2024: €81k
2018 → 2025
Working capital
€420k▲ 4.0%
2024 · €404k
2018: €327k
2019: €371k
2020: €229k
2021: €214k
2022: €302k
2023: €370k
2024: €404k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€585k-€730k▲ 24.9%€717k▼ 1.8%€796k▲ 11.1%€1.04M▲ 30.5%
Operating result€34k-€206k▲ 513%€-18k€136k€379k▲ 179%
Net result€11k-€145k▲ 1,277%€-13k€81k€243k▲ 201%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 179% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.08M
Fixed assets
€1.04M▲ 40.0%
Current assets
€1.03M▼ 24.5%
Equity and liabilities €2.08M
Equity
€1.04M▲ 30.5%
Debt
€1.04M▼ 21.2%
The debt ratio falls from 62.3% to 50.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€605k▲
2024 · €318k
Cash flow
€468k▲
2024 · €263k
Solvency
50.0%▲
2024 · 37.7%
Current ratio
1.68▲
2024 · 1.42
Quick ratio
1.52▲
2024 · 1.31
Debt / equity
1.00▼
2024 · 1.65
ROE
23.4%▲
2024 · 10.1%
ROA
11.7%▲
2024 · 3.8%
Interest coverage
25.98▲
2024 · 10.73
Debt
€1.04M▼
2024 · €1.32M
Debt ≤ 1 year
€614k▼
2024 · €965k
Debt > 1 year
€420k▲
2024 · €327k
Income taxes
€116k▲
2024 · €31k
Staff costs
€459k▲
2024 · €423k
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€2.11M€2.08M▼
Fixed assets21/28€745k€1.04M▲
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€740k€1.04M▲
Land and buildings22€207k€187k▼
Plant, machinery and equipment23€81k€71k▼
Furniture and vehicles24€253k€310k▲
Leasing and similar rights25€199k€470k▲
Financial fixed assets28€1k€1k▲
Current assets29/58€1.37M€1.03M▼
Stocks and contracts in progress3€102k€102k=
Stocks30/36€102k€102k=
Amounts receivable within one year40/41€846k€531k▼
Trade receivables40€758k€480k▼
Other amounts receivable41€88k€51k▼
Current investments50/53€153k€178k▲
Cash at bank and in hand54/58€250k€197k▼
Deferred charges and accrued income490/1€18k€26k▲
Equity and liabilities
Total equity and liabilities10/49€2.11M€2.08M▼
Equity10/15€796k€1.04M▲
Contributions10/11€338k€338k=
Reserves13€458k€701k▲
Distributable reserves133€458k€701k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.32M€1.04M▼
Amounts payable after more than one year17€327k€420k▲
Financial debts170/4€327k€420k▲
Amounts payable within one year42/48€965k€614k▼
Current portion of amounts payable after more than one year42€148k€202k▲
Financial debts43€100k€5k▼
Credit institutions430/8€100k€5k▼
Trade debts44€607k€279k▼
Suppliers440/4€607k€279k▼
Advances received on contracts in progress46€20k€20k=
Taxes, remuneration and social security45€90k€94k▲
Taxes450/3€34k€38k▲
Remuneration and social security454/9€56k€56k▲
Other amounts payable47/48€583€14k▲
Accrued charges and deferred income492/3€25k€4k▼
Income statement
Code20242025
Non-recurring operating income76A-€38k
Remuneration, social security and pensions62€423k€459k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€182k€225k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k€-3k▼
Other operating charges640/8€85k€100k▲
Gross operating margin9900€828k€1.16M▲
Operating profit (loss)9901€136k€379k▲
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€30k€23k▼
Recurring financial charges65€30k€23k▼
Profit (loss) for the period before taxes9903€112k€358k▲
Income taxes67/77€31k€116k▲
Profit (loss) for the period9904€81k€243k▲
Profit (loss) for the period to be appropriated9905€81k€243k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€243k▲
Profit (loss) brought forward from the previous period14P€-13k€0▲
Transfer from equity791/2€833€0▼
Transfer to equity691/2€67k€243k▲
To other reserves6921€67k€243k▲
Profit to be distributed694/7€833€0▼
Return on contributions (dividend)694€833€0▼
Social balance
Average headcount (FTE)90876.06.9▲
The notes to these accounts (24 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €243k ▲201%
Operating result €379k, net result €243k, both a record.
31-12
Financial
Equity above €1MEq €1.04M ▲30.5%
2 profitable years in a row build equity to €1.04M.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €81k
Net result €81k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 29 days late
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €86k
Net result €86k after one loss-making year.
31-12
Financial
Equity above €500kEq €549k ▲18.6%
Equity rises from €463k to €549k.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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 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.
Spoorwegstraat 453800 Sint-TruidenGround area
2,262 m²
Building footprint
493 m²
Volume, LiDAR
3,307 m³
2 parcels, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Frubelco
since 20062.155.986.930
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352D0930/00Y016 | Flanders | 2,076 m² | 1 · 364 m² | 6.5 m · 2 fl. |
| 71053G0307/00E004 | Flanders | 186 m² | 1 · 128 m² | 10.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 2024 · 3 entries · 6,731 EUR awarded · 6,731 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 211 EUR | 211 EUR |
| 2022 | 2 | 6,520 EUR | 6,520 EUR |
Schemes
Subsidies ecologisch en veilig transport (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Truiden2.155.986.930
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,195. 4,072 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-07-2006
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46319Wholesale of fruit and vegetables, excluding potatoes
51310
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.