FRUITHANDEL ROELANDT
ActiveFRUITHANDEL ROELANDT has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.24M and a net result of €504k. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 77% of 7955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-2
Solvency97▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €260k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 1.89 in 2024; short-term debt: 27.2% and cash: 17.3% of total assets), and 27.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
72.1%
Return on assets
11.2%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
37 d early
2023
26 d late
2022
53 d early
2021
31 d late
2020
31 d late
2019
10 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.24M▲ 19.4%
2024 · €2.72M
2018: €1.09M
2019: €1.16M
2020: €1.37M
2021: €1.62M
2022: €1.95M
2023: €2.28M
2024: €2.72M
2018 → 2025
Total assets
€4.50M▲ 13.1%
2024 · €3.98M
2018: €1.89M
2019: €2.10M
2020: €2.39M
2021: €2.49M
2022: €2.80M
2023: €3.61M
2024: €3.98M
2018 → 2025
Net result
€504k▲ 0.4%
2024 · €502k
2018: €53k
2019: €68k
2020: €211k
2021: €254k
2022: €328k
2023: €508k
2024: €502k
2018 → 2025
Working capital
€1.23M▲ 16.4%
2024 · €1.06M
2018: €679k
2019: €617k
2020: €783k
2021: €960k
2022: €1.22M
2023: €1.02M
2024: €1.06M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.62M-€1.95M▲ 20.2%€2.28M▲ 17.0%€2.72M▲ 19.0%€3.24M▲ 19.4%
Operating result€374k-€440k▲ 17.8%€719k▲ 63.2%€691k▼ 3.8%€662k▼ 4.2%
Net result€254k-€328k▲ 29.0%€508k▲ 54.8%€502k▼ 1.1%€504k▲ 0.4%
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 has fallen two years in a row; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.50M
Fixed assets
€2.05M▲ 17.7%
Current assets
€2.45M▲ 9.6%
Equity and liabilities €4.50M
Equity
€3.24M▲ 19.4%
Provisions
€8k
Debt
€1.25M▼ 1.0%
The debt ratio falls from 31.7% to 27.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€761k▼
2024 · €770k
Cash flow
€603k▲
2024 · €581k
Solvency
72.1%▲
2024 · 68.3%
Current ratio
2.01▲
2024 · 1.89
Quick ratio
1.97▲
2024 · 1.86
Debt / equity
0.39▼
2024 · 0.46
ROE
15.5%▼
2024 · 18.5%
ROA
11.2%▼
2024 · 12.6%
Interest coverage
45.20▼
2024 · 218.41
Debt
€1.25M▼
2024 · €1.26M
Debt ≤ 1 year
€1.22M▲
2024 · €1.18M
Debt > 1 year
€27k▼
2024 · €80k
Income taxes
€200k▲
2024 · €188k
Staff costs
€311k▲
2024 · €296k
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€3.98M€4.50M▲
Fixed assets21/28€1.74M€2.05M▲
Tangible fixed assets22/27€837k€793k▼
Land and buildings22€26k€25k▼
Plant, machinery and equipment23€225k€225k▲
Furniture and vehicles24€119k€101k▼
Other tangible fixed assets26€469k€441k▼
Financial fixed assets28€902k€1.25M▲
Current assets29/58€2.24M€2.45M▲
Amounts receivable after more than one year29€575k€575k=
Other amounts receivable291€575k€575k=
Stocks and contracts in progress3€40k€39k▼
Stocks30/36€40k€39k▼
Amounts receivable within one year40/41€857k€987k▲
Trade receivables40€841k€971k▲
Other amounts receivable41€16k€16k▼
Cash at bank and in hand54/58€694k€779k▲
Deferred charges and accrued income490/1€73k€72k▼
Equity and liabilities
Total equity and liabilities10/49€3.98M€4.50M▲
Equity10/15€2.72M€3.24M▲
Contributions10/11€19k€19k=
Reserves13€1.74M€3.20M▲
Distributable reserves133€1.74M€3.20M▲
Profit (loss) carried forward14€953k-
Investment grants15-€23k
Provisions and deferred taxes16-€8k
Deferred taxes168-€8k
Amounts payable17/49€1.26M€1.25M▼
Amounts payable after more than one year17€80k€27k▼
Financial debts170/4€80k€27k▼
Amounts payable within one year42/48€1.18M€1.22M▲
Current portion of amounts payable after more than one year42€53k€53k▲
Financial debts43€1k€1k▲
Credit institutions430/8€1k€1k▲
Trade debts44€836k€891k▲
Suppliers440/4€836k€891k▲
Taxes, remuneration and social security45€82k€137k▲
Taxes450/3€37k€87k▲
Remuneration and social security454/9€45k€51k▲
Other amounts payable47/48€210k€139k▼
Income statement
Code20242025
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€296k€311k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€79k€99k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-8k€32k▲
Other operating charges640/8€14k€6k▼
Non-recurring operating charges66A€5k-
Gross operating margin9900€1.08M€1.11M▲
Operating profit (loss)9901€691k€662k▼
Financial income75/76B€2k€58k▲
Recurring financial income75€2k€58k▲
Financial charges65/66B€4k€17k▲
Recurring financial charges65€4k€17k▲
Profit (loss) for the period before taxes9903€690k€703k▲
Transfer from deferred taxes780-€553
Income taxes67/77€188k€200k▲
Profit (loss) for the period9904€502k€504k▲
Profit (loss) for the period to be appropriated9905€502k€504k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.20M€1.46M▲
Profit (loss) brought forward from the previous period14P€701k€953k▲
Transfer from equity791/2€68k-
Transfer to equity691/2€250k€1.46M▲
To other reserves6921€250k€1.46M▲
Profit to be distributed694/7€68k-
Return on contributions (dividend)694€68k-
Social balance
Average headcount (FTE)90875.06.0▲
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
31-12
Financial
Highest result since 2018net €508k ▲54.8%
Operating result €719k, net result €508k, both a record.
31-12
Financial
Equity above €2MEq €2.28M ▲17%
6 profitable years in a row build equity to €2.28M.
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 10 days late
2019
02-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 63 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 92 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Beveren-Kruibeke-Zwijndrecht · 2 establishment units since 1998
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.
Zwaluwbeek(MEL) 69120 Beveren-Kruibeke-ZwijndrechtGround area
1.3 ha
Building footprint
6,365 m²
Volume, LiDAR
61,435 m³
2 parcels, Flanders · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Zwaluwbeek(MEL) 6, 9120 Beveren-Kruibeke-Zwijndrecht
since 19982.089.133.540
Wildebornstraat 116, 3840 Tongeren-Borgloon
since 20162.256.764.584
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46016D1385/00K000 | Flanders | 1.2 ha | 1 · 6,169 m² | 13.2 m · 4 fl. |
| 73067A0215/00G000 | Flanders | 869 m² | 1 · 196 m² | 9.1 m · 2 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 2025 · 4 entries · 968 EUR awarded · 967 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 176 EUR | 176 EUR |
| 2024 | 1 | 194 EUR | 711 EUR |
| 2023 | 1 | 518 EUR | 0 EUR |
| 2022 | 1 | 80 EUR | 80 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeveren-Kruibeke-Zwijndrecht2.089.133.540
Similar companies · same sector, comparable size
Binst Breeding & Selection
BE 0416.150.388
Grimbergen · Eq €3.23M
RINGOOT FRUIT
BE 0415.229.482
Sint-Katelijne-Waver · Eq €3.22M
RTL PATAT
BE 0480.672.315
Menen · Eq €3.14M
DICOGEL AGRO
BE 0411.561.991
Ardooie · Eq €3.35M
Gemex
BE 0464.823.406
Genk · Eq €3.37M
Of 956 companies in sector 46319 we hold annual accounts for 609. 313 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-1998
Fiscal year end31-12
Activities, NACEBEL
01130Growing of vegetables, melons, roots and tubers
01240Growing of pome and stone fruits
46319Wholesale of fruit and vegetables, excluding potatoes
51310
46389Wholesale of other food products
51384
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.