FRUVAN
ActiveSummary
FRUVAN has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €176,015 and a net result of €5,222. Equity remains stable across the filed financial years (±0.5% per year). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Equity
- €176,015
- Profit
- €5,222
- HAYEN BenjaminDirector
- HAYEN NicoleDirector
- HAYEN VeraDirector
Why 94lowers riskSize: total assets €183,121Founded in 1992Equity €176,015 (96.1% of total assets)Figures for financial year 2025 (filed 29-07-2026)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 (no NACE code, micro): better than 81% on solvency, 61% on liquidity, 53% on profitability and 15% on growth.
The bankruptcy probability was computed on 21-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 7 accounts on average 27 days after 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)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Annual accounts filedfinancial year 2023 · micro…
Financials · financial year 2025, micro format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 12% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Use the arrow keys on the chart for the figures per year.
Peer companies
Historical observationOf the 17,042 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94.3% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of < 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,473 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,042 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €878 | €298 | €222 | €222 | €222 | €222 | €222 | €547 | ▲ 146% |
| Other operating charges640/8 | - | - | - | €375 | €1,600 | €1,979 | €1,277 | €2,097 | ▲ 64.2% |
| Gross operating margin9900 | €8,941 | €2,177 | €3,154 | €104 | €5,256 | €7,780 | €9,862 | €10,039 | ▲ 1.8% |
| Operating profit (loss)9901 | €7,660 | €1,390 | €2,545 | -€494 | €3,434 | €5,579 | €8,363 | €7,395 | ▼ 11.6% |
| Financial income75/76B | - | - | - | - | - | €155 | €89 | €411 | ▲ 360% |
| Recurring financial income75 | €7 | - | €163 | - | - | €155 | €89 | €411 | ▲ 360% |
| Financial charges65/66B | - | - | - | €58 | €45 | €70 | €55 | €180 | ▲ 228% |
| Recurring financial charges65 | €51 | €59 | €248 | €58 | €45 | €70 | €55 | €180 | ▲ 228% |
| Profit (loss) for the period before taxes9903 | €7,616 | €1,332 | €2,460 | -€552 | €3,389 | €5,664 | €8,398 | €7,626 | ▼ 9.2% |
| Income taxes67/77 | €1,398 | €437 | €1,137 | - | €800 | €1,886 | €2,863 | €2,404 | ▼ 16.0% |
| Profit (loss) for the period9904 | €6,218 | €894 | €1,323 | -€552 | €2,588 | €3,778 | €5,535 | €5,222 | ▼ 5.6% |
| Profit (loss) for the period to be appropriated9905 | €6,218 | €894 | €1,323 | -€552 | €2,588 | €3,778 | €5,535 | €5,222 | ▼ 5.6% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €225,178 | €225,705 | €226,472 | €223,757 | €227,189 | €235,750 | €240,072 | €183,121 | ▼ 23.7% |
| Fixed assets21/28 | €156,630 | €156,333 | €156,111 | €155,888 | €155,666 | €155,444 | €155,222 | €161,484 | ▲ 4.0% |
| Tangible fixed assets22/27 | €156,630 | €156,333 | €156,111 | €155,888 | €155,666 | €155,444 | €155,222 | €161,484 | ▲ 4.0% |
| Land and buildings22 | - | - | - | €155,888 | €155,666 | €155,444 | €155,222 | €161,484 | ▲ 4.0% |
| Current assets29/58 | €68,548 | €69,372 | €70,361 | €67,869 | €71,523 | €80,306 | €84,850 | €21,638 | ▼ 74.5% |
| Cash at bank and in hand54/58 | €68,548 | €69,372 | €70,131 | €67,626 | €71,253 | €80,306 | €84,850 | €21,638 | ▼ 74.5% |
| Deferred charges and accrued income490/1 | - | - | - | €243 | €269 | - | - | - | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €225,178 | €225,705 | €226,472 | €223,757 | €227,189 | €235,750 | €240,072 | €183,121 | ▼ 23.7% |
| Equity10/15 | €219,926 | €220,820 | €222,143 | €221,591 | €224,180 | €227,957 | €233,492 | €176,015 | ▼ 24.6% |
| Contributions10/11 | €81,900 | €81,900 | €81,900 | €81,900 | €81,900 | €81,900 | €81,900 | €40,429 | ▼ 50.6% |
| Capital10 | - | - | - | €81,900 | €81,900 | - | - | - | - |
| Issued capital100 | - | - | - | €81,900 | €81,900 | - | - | - | - |
| Contributions outside capital11 | - | - | - | - | - | €81,900 | - | - | - |
| Other1109/19 | - | - | - | - | - | €81,900 | - | - | - |
| Revaluation surpluses12 | - | - | - | €109,667 | €109,667 | €109,667 | €109,667 | €109,667 | = |
| Reserves13 | €8,190 | €8,190 | €8,190 | €8,190 | €32,612 | €36,390 | €41,925 | €25,918 | ▼ 38.2% |
| Non-distributable reserves130/1 | - | - | - | €8,190 | €8,190 | - | - | - | - |
| Legal reserve130 | - | - | - | €8,190 | €8,190 | - | - | - | - |
| Distributable reserves133 | - | - | - | - | €24,422 | €36,390 | €41,925 | €25,918 | ▼ 38.2% |
| Profit (loss) carried forward14 | €20,168 | €21,063 | €22,386 | €21,834 | - | - | - | €0 | - |
| Amounts payable17/49 | €5,253 | €4,885 | €4,329 | €2,166 | €3,010 | €7,793 | €6,580 | €7,107 | ▲ 8.0% |
| Amounts payable within one year42/48 | €5,253 | €4,885 | €4,329 | €2,166 | €2,370 | €7,153 | €5,940 | €6,435 | ▲ 8.3% |
| Trade debts44 | €1,275 | €1,113 | €1,139 | €1,048 | €451 | €4,110 | €62 | €0 | ▼ 100% |
| Suppliers440/4 | - | - | - | €1,048 | €451 | €4,110 | €62 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | - | - | - | €800 | €1,840 | €4,676 | €5,232 | ▲ 11.9% |
| Taxes450/3 | - | - | - | - | €800 | €1,840 | €4,676 | €5,232 | ▲ 11.9% |
| Other amounts payable47/48 | - | - | - | €1,118 | €1,118 | €1,203 | €1,203 | €1,203 | = |
| Accrued charges and deferred income492/3 | - | - | - | - | €640 | €640 | €640 | €672 | ▲ 5.0% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,218 | €894 | €1,323 | -€552 | €2,588 | €3,778 | €5,535 | €5,222 | ▼ 5.6% |
| + Depreciation and write-downs630 | €878 | €298 | €222 | €222 | €222 | €222 | €222 | €547 | ▲ 146% |
| Operating cash flow (approximation) | €7,096 | €1,192 | €1,545 | -€330 | €2,810 | €4,000 | €5,757 | €5,769 | ▲ 0.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | €0 | €0 | -€6,808 | - |
| Change in cash | - | €824 | €759 | -€2,505 | €3,628 | €9,052 | €4,545 | -€63,213 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 33 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 29-07-2026 | 2026-00346585 |
| 31-12-2024 | micro format | 25-07-2025 | 2025-00308121 |
| 31-12-2023 | micro format | 25-07-2024 | 2024-00285434 |
| 31-12-2022 | micro format | 29-08-2023 | 2023-00384266 |
| 31-12-2021 | micro format | 11-08-2022 | 2022-20286061 |
| 31-12-2020 | micro format | 23-08-2021 | 2021-53500504 |
| 31-12-2019 | micro format | 18-12-2020 | 2020-76100472 |
| 31-12-2018 | abbreviated format | 26-08-2019 | 2019-50600231 |
| 31-12-2017 | abbreviated format | 29-08-2018 | 2018-52800203 |
| 31-12-2016 | micro format | 22-08-2017 | 2017-48100385 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| HAYEN Benjamin |
|
| HAYEN Nicole |
|
| HAYEN Vera |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
3 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
12-01
Gazette deed
Resignations: HAYEN Nicole, HAYEN Vera and HAYEN BenjaminAppointments: HAYEN Nicole, HAYEN Vera and HAYEN Benjamin · Director discharge · Registered-office move21 facts ▸
- Director resignation, HAYEN Nicole (director)
- Director resignation, HAYEN Vera (director)
- Director resignation, HAYEN Benjamin (director)
- Director discharge, HAYEN Nicole
- Director discharge, HAYEN Vera
- Director discharge, HAYEN Benjamin
- Director appointment, HAYEN Nicole (director)
- Director appointment, HAYEN Vera (director)
- Director appointment, HAYEN Benjamin (director)
- Registered-office move
- Power of attorney
- General meeting, 28-12-2023
- +9 further facts in this act
About the unread acts
Of the 7 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 22 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 73006H0828/00M000 | Flanders | 2,322 m² | 1 · 964 m² | 10.9 m · 3 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Alle landbouw en fruitteelt; Het beheer,in de ruimste zin van het woord,van onroerende goederen,daaronder begrepen,de…” (deed in Dutch)
3 activities (deed in Dutch)
- Alle landbouw en fruitteelt
- Het beheer,in de ruimste zin van het woord,van onroerende goederen,daaronder begrepen,de huur,verhuur,onderverhuur,de uitbating,de herstelling,de verbetering,de renovatie,het onderhoud,de verbouwing,de verkaveling,de splitsing,de verkoop,de aankoop,de oprichting en iedere verwerving van onroerende goederen
- Het uitvoeren van wegeniswerken
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- FRUVAN
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, bij enkel besluit bestuursorgaan naar tweetalig gebied Brussel Hoofdstad of Nederlands taalgebied met authentieke…” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, natuurlijke personen of rechtspersonen, al dan niet aandeelhouder” (deed in Dutch)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Op naam, aandelenregister” (deed in Dutch)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Procedure- en expertisekosten helft overdrager helft koper(s) naar evenredigheid aantal bij meerdere kopers, elke overdracht onder levenden…” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Saturday of June at 10:30
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Beslissing algemene vergadering beslissende in vormen vereist voor statutenwijziging, elk moment” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Benevens wettelijke regels, behoudens indien aan voorwaarden voor ontbinding,vereffening en sluiting in één akte is voldaan” (deed in Dutch)