Fructus Holding

Active

Private limited companyfounded 2020active for 6 yearsFranz Merjaystraat 76, 1050 Elsene, BelgiumKBO/BCE: BE 0755.909.914

Summary

Fructus Holding is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €645,062 and a net result of €248,190. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

Fructus HoldingActiveChecked score 100/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€832,531total assets 2025

Equity: €645,062
Profit: €248,190

Turnover not published (abbreviated or micro format)

Financial health

100 Excellent Checked score 2025

Bankruptcy probability: sector outside the model

Structure

Parent: PATRONALE LIFE N.V.

Deprez Invest NVDirector · permanent representative Hein Deprez
Management Deprez BVDirector · permanent representative Veerle Deprez

Accounts filed 59 days late1 of 5 deeds read

Signalslowers riskGrowing equityneutralA punctual record breaksShow the evidence

Checked score

Score 2025

100 / 100

Excellent▲ +70 on 2024

Without a bankruptcy probability: score from the figures alone

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 100+69

equity 77.5% of total assets

Liquidity 92+92

short-term debt 22.3% · cash 100.0%

Profitability 100+50

return on assets 29.8%

Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

Credit of up to €60,000 on 30-day terms is acceptable

Liquidity ample (current ratio 4.49, compared with 1.06 in 2024, above the usual 1.5; short-term debt: 22.3% and cash: 100% of total assets), and 22.5% of the assets are financed with debt and provisions.

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Signals

Two signals.

lowers riskneutral

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

202122232425

2020 to 2025 · latest year €645,062

A punctual record breaks

This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.

NBB · 6 filings

Deviation from the deadline

2025

59 days late

2024

83 days early

2023

96 days early

2022

94 days early

2021

125 days early

2020

236 days late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 6 accounts on average 17 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)

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 28 April (4 of the last 5 filed years within 31 days of that day).

Companies Code · seven months

Where today falls in the filing period

14-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

28-09-2026 Annual accounts filedfinancial year 2025 · abbreviated…
02-03-2026 Resignation: Patronale Life NV (director)Permanent representatives: Filip Moeykens, Hein…
31-12-2025 Liquidity more than quadruplescurrent ratio 4.49