FRUITPACKERS
ActiveSummary
FRUITPACKERS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €897k and a net result of €183k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 8% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-1
Solvency26▼-1
Growth68▼-4
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.55 against 0.45 in 2024; short-term debt: 98.4% and cash: 2.6% of total assets), and 98.5% 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
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
1.5%
Return on assets
0.3%
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 →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 4867 sector peers (2025).
NBB · sector comparisonPosition among 4867 sector peers
Solvency
better than 8%
← weakest
strongest →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
16 d early
2024
14 d early
2023
33 d early
2022
11 d early
2021
16 d early
2020
8 d early
2019
110 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
€185.48M▲ 36.4%
2024 · €135.96M
2019: €49.44M
2020: €62.96M
2021: €60.58M
2022: €101.88M
2023: €116.10M
2024: €135.96M
2019 → 2025
EBIT margin
0.0%▼ 0.2pp
2024 · 0.2%
2019: 3.1%
2020: 2.9%
2021: 2.1%
2022: 1.7%
2023: 1.7%
2024: 0.2%
2019 → 2025
Net result
€183k▼ 50.2%
2024 · €367k
2018: €221k
2019: €1.09M
2020: €1.38M
2021: €972k
2022: €1.33M
2023: €1.55M
2024: €367k
2018 → 2025
Working capital
€-26.92M▼ 36.0%
2024 · €-19.79M
2018: €709k
2019: €639k
2020: €737k
2021: €672k
2022: €-2.92M
2023: €-5.39M
2024: €-19.79M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€60.58M-€101.88M▲ 68.2%€116.10M▲ 14.0%€135.96M▲ 17.1%€185.48M▲ 36.4%
Equity€858k-€891k▲ 3.9%€2.47M▲ 177%€716k▼ 71.0%€897k▲ 25.3%
Operating result€1.28M-€1.73M▲ 35.2%€1.97M▲ 14.2%€334k▼ 83.1%€84k▼ 75.0%
Net result€972k-€1.33M▲ 37.2%€1.55M▲ 16.0%€367k▼ 76.3%€183k▼ 50.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 75% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60.92M
Fixed assets
€27.91M ▲ 35.7%
Current assets
€33.01M ▲ 104%
Equity and liabilities €60.92M
Equity
€897k ▲ 25.3%
Debt
€60.02M ▲ 66.7%
Debt's share of the balance-sheet total rises from 98.0% to 98.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€302k▼
2024 · €515k
Cash flow
€401k▼
2024 · €548k
Current ratio
0.55▲
2024 · 0.45
Quick ratio
0.51▲
2024 · 0.37
Debt to equity
66.89▲
2024 · 50.28
ROE
20.4%▼
2024 · 51.2%
ROA
0.3%▼
2024 · 1.0%
Interest coverage
6.50▼
2024 · 7.21
Debt ≤ 1 year
€59.93M▲
2024 · €35.93M
Income taxes
€70k▼
2024 · €128k
Staff costs
€611k▲
2024 · €390k
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 · 78 lines
Balance sheet
Code20242025
Assets
Total assets20/58€36.72M€60.92M▲
Fixed assets21/28€20.57M€27.91M▲
Tangible fixed assets22/27€868k€886k▲
Plant, machinery and equipment23€65k€86k▲
Furniture and vehicles24€173k€265k▲
Other tangible fixed assets26€631k€535k▼
Financial fixed assets28€19.70M€27.02M▲
Affiliated companies280/1€19.70M€27.02M▲
Amounts receivable281€19.70M€27.02M▲
Current assets29/58€16.15M€33.01M▲
Stocks and contracts in progress3€2.85M€2.63M▼
Stocks30/36€2.85M€2.63M▼
Goods purchased for resale34€2.85M€2.63M▼
Amounts receivable within one year40/41€12.59M€28.44M▲
Trade receivables40€12.31M€28.02M▲
Other amounts receivable41€281k€426k▲
Cash at bank and in hand54/58€57k€1.60M▲
Deferred charges and accrued income490/1€650k€341k▼
Equity and liabilities
Total equity and liabilities10/49€36.72M€60.92M▲
Equity10/15€716k€897k▲
Contributions10/11€500k€500k=
Capital10€500k€500k=
Issued capital100€500k€500k=
Reserves13€188k€371k▲
Non-distributable reserves130/1€50k€50k=
Legal reserve130€50k€50k=
Distributable reserves133€138k€321k▲
Investment grants15€28k€26k▼
Amounts payable17/49€36.00M€60.02M▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Other loans174€0-
Amounts payable within one year42/48€35.93M€59.93M▲
Financial debts43€3.08M€4.24M▲
Credit institutions430/8€3.08M€4.24M▲
Trade debts44€31.40M€55.36M▲
Suppliers440/4€31.40M€55.36M▲
Taxes, remuneration and social security45€209k€318k▲
Taxes450/3€148k€230k▲
Remuneration and social security454/9€61k€88k▲
Other amounts payable47/48€1.24M€7k▼
Accrued charges and deferred income492/3€68k€95k▲
Income statement
Code20242025
Operating income70/76A€137.52M€186.95M▲
Turnover70€135.96M€185.48M▲
Other operating income74€1.31M€1.47M▲
Non-recurring operating income76A€245k€0▼
Operating charges60/66A€137.19M€186.86M▲
Goods for resale, raw materials and consumables60€127.77M€173.48M▲
Purchases600/8€128.48M€173.39M▲
Change in stocks: decrease (increase)609€-704k€84k▲
Services and other goods61€8.83M€12.47M▲
Remuneration, social security and pensions62€390k€611k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€181k€218k▲
Other operating charges640/8€13k€82k▲
Non-recurring operating charges66A€0-
Operating profit (loss)9901€334k€84k▼
Financial income75/76B€365k€801k▲
Recurring financial income75€365k€801k▲
Income from financial fixed assets750€363k€742k▲
Other financial income752/9€2k€59k▲
Financial charges65/66B€204k€631k▲
Recurring financial charges65€204k€254k▲
Debt charges650€71k€46k▼
Other financial charges652/9€132k€207k▲
Non-recurring financial charges66B€6€377k▲
Profit (loss) for the period before taxes9903€495k€253k▼
Income taxes67/77€128k€70k▼
Taxes670/3€128k€70k▼
Profit (loss) for the period9904€367k€183k▼
Profit (loss) for the period to be appropriated9905€367k€183k▼
Appropriation of the result
Profit (loss) to be appropriated9906€367k€183k▼
Transfer from equity791/2€1.75M€0▼
From reserves792€1.75M€0▼
Transfer to equity691/2€0€183k▲
To other reserves6921€0€183k▲
Profit to be distributed694/7€2.12M€0▼
Return on contributions (dividend)694€2.12M€0▼
Social balance
Average headcount (FTE)90875.58.5▲
The notes to these accounts (58 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €183k ▼50.2%
Net result drops to €183k, the lowest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €1.55M ▲16%
Operating result €1.97M, net result €1.55M, both a record.
31-12
Financial
Equity above €2MEq €2.47M ▲177%
6 profitable years in a row build equity to €2.47M.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
18-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 110 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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-Katelijne-Waver · 3 establishment units since 2017
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.
Hoveniersstraat 472860 Sint-Katelijne-WaverGround area
35.0 ha
Building footprint
3.0 ha
Volume, LiDAR
105,829 m³
3 parcels, Flanders · tallest building 16.0 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
Fruitpackers NV
since 20172.263.884.483
Hoveniersstraat 43, 2860 Sint-Katelijne-Waver
since 20252.373.216.450
Kempenarestraat 64, 2860 Sint-Katelijne-Waver
since 20252.373.216.549
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12422D0389/00F002 | Flanders | 26.7 ha | 1 · 1.0 ha | 13.6 m · 3 fl. |
| 12422D0410/00Y004 | Flanders | 5.0 ha | 1 · 8,764 m² | - |
| 12422D0404/00F000 | Flanders | 3.3 ha | 1 · 1.1 ha | 16.0 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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 · 1 entry · 274 EUR awarded · 274 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 274 EUR | 274 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
2 sitesSint-Katelijne-Waver2.263.884.483
Sint-Katelijne-Waver2.373.216.549
Similar companies · same sector, comparable size
BIOVIBE
BE 0535.764.652
Sint-Katelijne-Waver · Eq €900k
LE TRIMONT
BE 0847.057.646
Leuze-en-Hainaut · Eq €901k
VANDENDRIESCH
BE 0429.893.904
Dilbeek · Eq €909k
DISTRICHAMP
BE 0459.676.565
Pittem · Eq €885k
T'SEYEN FOODSERVICE
BE 0479.802.184
Duffel · Eq €910k
Of 956 companies in sector 46319 we hold annual accounts for 609. 413 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
Founded27-04-2017
Fiscal year end31-12
Activities, NACEBEL 2025
46319Wholesale of fruit and vegetables, excluding potatoes
46499Wholesale of other household goods
70200Business and other management consultancy
73300Public relations and communication consultancy
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.