GUIDOFRUIT
ActiveSummary
GUIDOFRUIT has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €699,677 and a net result of €132,516. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 29% of 8160 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability53▼-4
Solvency48=
Growth43=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 2.91 against 2.83 in 2024; short-term debt: 28.7% and cash: 34% of total assets), but 76.7% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six 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
23.3%
Return on assets
4.4%
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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
24 d early
2023
42 d early
2022
52 d early
2021
25 d early
2020
66 d early
2019
51 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 45 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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. Usually files around 20 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€22.1m▲ 20.2%
2022 · €18.4m
EBIT margin
5.5%▼ 0.8pp
2022 · 6.3%
Net result
€132,516▼ 36.3%
2024 · €208,105
Working capital
€1.6m▲ 2.5%
2024 · €1.6m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€17.3m€18.4m▲ 6.4%€22.1m▲ 20.2%
Operating result€895,278▼ 1.6%€1.2m▲ 29.5%€1.2m▲ 4.4%€361,117▼ 70.1%€315,621▼ 12.6%
Net result€625,584above the sector's middle half▼ 3.8%€802,493above the sector's middle half▲ 28.3%€839,975above the sector's middle half▲ 4.7%€208,105above the sector's middle half▼ 75.2%€132,516above the sector's middle half▼ 36.3%
EBIT margin5.2%6.3%▲ 1.1pp5.5%▼ 0.8pp
Equity€2.1mwithin the sector's middle half▲ 1.3%€2.1mwithin the sector's middle half▲ 0.1%€2.1mwithin the sector's middle half▲ 1.9%€697,161within the sector's middle half▼ 66.9%€699,677within the sector's middle half▲ 0.4%
Total assets€4.4mwithin the sector's middle half▲ 12.2%€4.9mwithin the sector's middle half▲ 10.6%€3.8mwithin the sector's middle half▼ 23.0%€3.0mabove the sector's middle half▼ 20.5%€3.0mabove the sector's middle half▼ 0.5%
Debt€2.4m▲ 23.6%€2.9m▲ 19.7%€1.7m▼ 41.0%€2.3m▲ 37.3%€2.3m▼ 0.8%
Working capital€89,997within the sector's middle half▼ 77.2%€30,991below the sector's middle half▼ 65.6%€172,670within the sector's middle half▲ 457%€1.6mabove the sector's middle half▲ 828%€1.6mabove the sector's middle half▲ 2.5%
Solvency46.3%within the sector's middle half▼ 5.0pp41.9%within the sector's middle half▼ 4.4pp55.5%within the sector's middle half▲ 13.6pp23.1%within the sector's middle half▼ 32.3pp23.3%within the sector's middle half▲ 0.2pp
Current ratio1.04below the sector's middle half▼ 0.171.01below the sector's middle half▼ 0.031.10below the sector's middle half▲ 0.092.83within the sector's middle half▲ 1.722.91within the sector's middle half▲ 0.08
Return on assets (ROA)14.1%above the sector's middle half▼ 2.3pp16.3%above the sector's middle half▲ 2.2pp22.2%above the sector's middle half▲ 5.9pp6.9%within the sector's middle half▼ 15.3pp4.4%within the sector's middle half▼ 2.5pp
Staff (FTE)8.3within the sector's middle half▲ 5.1%10.9within the sector's middle half▲ 31.3%10.4within the sector's middle half▼ 4.6%8.9above the sector's middle half▼ 14.4%9.6above the sector's middle half▲ 7.9%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Why a figure moved sharply
- 2024 Net result -75% on 2023. The accounts now follow the abbreviated schema, last year the full schema.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 13% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.0m
Fixed assets
€495,337 ▼ 7.2%
Current assets
€2.5m ▲ 0.9%
Equity and liabilities €3.0m
Equity
€699,677 ▲ 0.4%
Debt
€2.3m ▼ 0.8%
Debt's share of the balance-sheet total falls from 76.9% to 76.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€444,839▼
2024 · €477,493
Cash flow
€261,735▼
2024 · €324,481
Quick ratio
2.84▲
2024 · 2.75
Debt to equity
3.29▼
2024 · 3.32
ROE
18.9%▼
2024 · 29.9%
Interest coverage
3.48▼
2024 · 3.59
Debt ≤ 1 year
€860,778▼
2024 · €877,579
Debt > 1 year
€1.4m=
2024 · €1.4m
Income taxes
€76,520▲
2024 · €63,191
Staff costs
€671,378▲
2024 · €596,772
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,984 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 97% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.1%
went bankrupt
2.3%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.6% 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 497,338 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% | 1.9% |
| 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% 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 3,984 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €17.3m | €18.4m | €22.1m | - | - | - |
| Turnover70 | €17.3m | €18.4m | €22.1m | - | - | - |
| Other operating income74 | €26,822 | €56,771 | €36,683 | - | - | - |
| Operating charges60/66A | €16.4m | €17.3m | €20.9m | - | - | - |
| Goods for resale, raw materials and consumables60 | €15.4m | €16.2m | €19.5m | - | - | - |
| Purchases600/8 | €15.4m | €16.2m | €19.5m | - | - | - |
| Change in stocks: decrease (increase)609 | €2,997 | -€4,399 | €1,060 | - | - | - |
| Services and other goods61 | €466,069 | €446,720 | €696,703 | - | - | - |
| Remuneration, social security and pensions62 | €457,064 | €541,860 | €622,499 | €596,772 | €671,378 | ▲ 12.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €97,248 | €118,245 | €119,206 | €116,376 | €129,219 | ▲ 11.0% |
| Other operating charges640/8 | €180 | €195 | €198 | €197 | €69 | ▼ 64.8% |
| Non-recurring operating charges66A | - | - | - | - | €50,879 | - |
| Gross operating margin9900 | - | - | - | €1.1m | €1.2m | ▲ 8.6% |
| Operating profit (loss)9901 | €895,278 | €1.2m | €1.2m | €361,117 | €315,621 | ▼ 12.6% |
| Financial income75/76B | €18,171 | €18,753 | €25,398 | €43,363 | €21,199 | ▼ 51.1% |
| Recurring financial income75 | €18,171 | €18,753 | €25,398 | €43,363 | €21,199 | ▼ 51.1% |
| Income from current assets751 | - | €18,046 | €25,049 | - | - | - |
| Other financial income752/9 | €18,171 | €707 | €349 | - | - | - |
| Financial charges65/66B | €72,680 | €78,904 | €110,700 | €133,183 | €127,784 | ▼ 4.1% |
| Recurring financial charges65 | €72,680 | €78,904 | €110,700 | €133,183 | €127,784 | ▼ 4.1% |
| Debt charges650 | - | €77,912 | €108,837 | - | - | - |
| Other financial charges652/9 | €72,680 | €992 | €1,863 | - | - | - |
| Profit (loss) for the period before taxes9903 | €840,770 | €1.1m | €1.1m | €271,296 | €209,036 | ▼ 22.9% |
| Income taxes67/77 | €215,186 | €296,423 | €284,484 | €63,191 | €76,520 | ▲ 21.1% |
| Taxes670/3 | €215,186 | €296,423 | €284,484 | - | - | - |
| Profit (loss) for the period9904 | €625,584 | €802,493 | €839,975 | €208,105 | €132,516 | ▼ 36.3% |
| Transfer from tax-exempt reserves789 | - | - | - | €73,972 | €0 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €625,584 | €802,493 | €839,975 | €282,077 | €132,516 | ▼ 53.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €4.4m | €4.9m | €3.8m | €3.0m | €3.0m | ▼ 0.5% |
| Fixed assets21/28 | €2.0m | €2.0m | €1.9m | €533,848 | €495,337 | ▼ 7.2% |
| Tangible fixed assets22/27 | €1.0m | €1.0m | €925,112 | €441,101 | €388,589 | ▼ 11.9% |
| Land and buildings22 | €451,473 | €451,473 | €451,473 | €0 | - | - |
| Plant, machinery and equipment23 | €58,386 | €39,886 | €41,037 | €84,871 | €56,343 | ▼ 33.6% |
| Furniture and vehicles24 | €115,676 | €186,720 | €125,947 | €91,455 | €109,354 | ▲ 19.6% |
| Other tangible fixed assets26 | €387,378 | €348,537 | €306,656 | €264,774 | €222,893 | ▼ 15.8% |
| Financial fixed assets28 | €957,331 | €1.0m | €1.0m | €92,747 | €106,747 | ▲ 15.1% |
| Affiliated companies280/1 | €912,581 | €912,581 | €912,581 | - | - | - |
| Participating interests280 | €912,581 | €912,581 | €912,581 | - | - | - |
| Other financial fixed assets284/8 | €44,750 | €92,747 | €92,747 | - | - | - |
| Shares284 | €44,250 | €92,247 | €92,247 | - | - | - |
| Amounts receivable and cash guarantees285/8 | €500 | €500 | €500 | - | - | - |
| Current assets29/58 | €2.5m | €2.9m | €1.9m | €2.5m | €2.5m | ▲ 0.9% |
| Amounts receivable after more than one year29 | €300,000 | €300,000 | €300,000 | €0 | - | - |
| Other amounts receivable291 | €300,000 | €300,000 | €300,000 | €0 | - | - |
| Stocks and contracts in progress3 | €17,005 | €21,404 | €20,344 | €67,489 | €59,050 | ▼ 12.5% |
| Stocks30/36 | €17,005 | €21,404 | €20,344 | €67,489 | €59,050 | ▼ 12.5% |
| Goods purchased for resale34 | €17,005 | €21,404 | €20,344 | - | - | - |
| Amounts receivable within one year40/41 | €737,598 | €1.1m | €942,980 | €1.2m | €1.4m | ▲ 19.2% |
| Trade receivables40 | €736,879 | €1.1m | €941,917 | €1.1m | €1.4m | ▲ 19.8% |
| Other amounts receivable41 | €718 | €3,728 | €1,063 | €62,478 | €67,201 | ▲ 7.6% |
| Cash at bank and in hand54/58 | €1.4m | €1.5m | €589,982 | €1.2m | €1.0m | ▼ 16.2% |
| Deferred charges and accrued income490/1 | €11,191 | €9,882 | €6,999 | €4,880 | €4,040 | ▼ 17.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €4.4m | €4.9m | €3.8m | €3.0m | €3.0m | ▼ 0.5% |
| Equity10/15 | €2.1m | €2.1m | €2.1m | €697,161 | €699,677 | ▲ 0.4% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €61,500 | €61,500 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €61,500 | €61,500 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €61,500 | €61,500 | = |
| Reserves13 | €216,700 | €216,700 | €216,700 | €30,172 | €30,172 | = |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Tax-exempt reserves132 | €210,500 | €210,500 | €210,500 | €0 | - | - |
| Distributable reserves133 | - | - | - | €23,972 | €23,972 | = |
| Profit (loss) carried forward14 | €1.8m | €1.8m | €1.8m | €605,489 | €608,005 | ▲ 0.4% |
| Amounts payable17/49 | €2.4m | €2.9m | €1.7m | €2.3m | €2.3m | ▼ 0.8% |
| Amounts payable after more than one year17 | - | - | - | €1.4m | €1.4m | = |
| Financial debts170/4 | - | - | - | €1.4m | €1.4m | = |
| Amounts payable within one year42/48 | €2.4m | €2.9m | €1.7m | €877,579 | €860,778 | ▼ 1.9% |
| Trade debts44 | €145,412 | €254,032 | €118,890 | €157,406 | €266,169 | ▲ 69.1% |
| Suppliers440/4 | €145,412 | €254,032 | €118,890 | €157,406 | €266,169 | ▲ 69.1% |
| Taxes, remuneration and social security45 | €95,770 | €191,280 | €169,346 | €70,172 | €64,609 | ▼ 7.9% |
| Taxes450/3 | €62,105 | €131,616 | €105,281 | €11,970 | €4,394 | ▼ 63.3% |
| Remuneration and social security454/9 | €33,665 | €59,664 | €64,065 | €58,203 | €60,215 | ▲ 3.5% |
| Other amounts payable47/48 | €2.1m | €2.4m | €1.4m | €650,000 | €530,000 | ▼ 18.5% |
| Accrued charges and deferred income492/3 | - | - | - | €39,569 | €38,249 | ▼ 3.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €625,584 | €802,493 | €839,975 | €208,105 | €132,516 | ▼ 36.3% |
| + Depreciation and write-downs630 | €97,248 | €118,245 | €119,206 | €116,376 | €129,219 | ▲ 11.0% |
| Operating cash flow (approximation) | €722,832 | €920,738 | €959,181 | €324,481 | €261,735 | ▼ 19.3% |
| Investment in fixed assets (approximation) | - | -€179,944 | -€17,703 | €1.3m | -€90,708 | ▼ 107% |
| Change in cash | - | €41,009 | -€863,882 | €625,551 | -€196,334 | ▼ 131% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €132,516 ▼36.3%
Net result drops to €132,516, the lowest in the series.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity triplescurrent ratio 2.83
Current ratio from 1.10 to 2.83; short-term debt falls from €1.7m to €877,579.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €839,975 ▲4.7%
Operating result €1.2m, net result €839,975, both a record.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €2mEq €2.0m ▲12.9%
3 profitable years in a row build equity to €2.0m.
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
02-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Brussel · 1 establishment unit since 2003
Ground area
3.7 ha
Building footprint
48 m²
Volume, LiDAR
195 m³
Parcel 21813F0611/00L000, Brussels · tallest building 11.0 m, ±1 floor. Linked by address, not a title deed.
39
companies at this address
See who is registered here
1 establishment unit
GUIDOFRUIT
since 20032.135.035.425
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21813F0611/00L000 | Brussels | 3.7 ha | 1 · 48 m² | 11.0 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2023 list no shareholders, and no other source names one.
Holdings 1
-
30%
According to the 2023 annual accounts of GUIDOFRUIT and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.135.035.425
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Of 958 companies in sector 46319 we hold annual accounts for 611. 424 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded04-12-2003
Fiscal year end31-12
Activities, NACEBEL 2025
46319Wholesale of fruit and vegetables, excluding potatoes
49410Freight transport by road
E-invoicing
Reachable via Peppol
Peppol ID
0208:0862029397
Also
9925:BE0862029397
Registered
27-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.