GYMA FRUIT
ActiveSummary
GYMA FRUIT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €43k and a net result of €11k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 75% of 26043 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability77▼-16
Solvency88▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.68 against 2.51 in 2023; short-term debt: 37.3% and cash: 73.5% of total assets), and 37.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
62.7%
Return on assets
15.8%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
34 d early
2022
34 d early
2021
32 d early
2020
36 d early
2019
38 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€43k▲ 26.6%
2023 · €34k
2018: €19k
2019: €23k
2020: €32k
2021: €30k
2022: €21k
2023: €34k
2018 → 2024
Total assets
€68k▲ 21.5%
2023 · €56k
2018: €42k
2019: €40k
2020: €48k
2021: €46k
2022: €41k
2023: €56k
2018 → 2024
Net result
€11k▼ 14.1%
2023 · €13k
2018: €465
2019: €-2k
2020: €11k
2021: €-964
2022: €-8k
2023: €13k
2018 → 2024
Working capital
€43k▲ 26.6%
2023 · €34k
2018: €12k
2019: €18k
2020: €29k
2021: €28k
2022: €21k
2023: €34k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€32k-€30k▼ 8.0%€21k▼ 28.3%€34k▲ 59.2%€43k▲ 26.6%
Operating result€13k-€140▼ 98.9%€-8k€15k€15k▼ 2.5%
Net result€11k-€-964€-8k▼ 768%€13k€11k▼ 14.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 2% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €68k
Equity
€43k ▲ 26.6%
Debt
€25k ▲ 13.6%
Debt's share of the balance-sheet total falls from 39.9% to 37.3%. Equity and debt are higher.
Key figures and ratios
Current ratio
2.68▲
2023 · 2.51
Quick ratio
2.45▲
2023 · 2.31
Debt to equity
0.59▼
2023 · 0.66
ROE
25.2%▼
2023 · 37.2%
ROA
15.8%▼
2023 · 22.4%
Debt ≤ 1 year
€25k▲
2023 · €22k
Income taxes
€4k▲
2023 · €3k
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 · 2024 against 2023 · 37 lines
Balance sheet
Code20232024
Assets
Total assets20/58€56k€68k▲
Current assets29/58€56k€68k▲
Stocks and contracts in progress3€4k€6k▲
Stocks30/36€4k€6k▲
Amounts receivable within one year40/41€9k€11k▲
Trade receivables40€7k€9k▲
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€42k€50k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€56k€68k▲
Equity10/15€34k€43k▲
Contributions10/11€19k€19k=
Reserves13€15k€24k▲
Distributable reserves133€15k€24k▲
Amounts payable17/49€22k€25k▲
Amounts payable within one year42/48€22k€25k▲
Trade debts44€15k€15k▼
Suppliers440/4€15k€15k▼
Taxes, remuneration and social security45€850€2k▲
Taxes450/3€850€2k▲
Other amounts payable47/48€6k€9k▲
Income statement
Code20232024
Other operating charges640/8€363€408▲
Gross operating margin9900€15k€15k▼
Operating profit (loss)9901€15k€15k▼
Financial income75/76B€786€1k▲
Recurring financial income75€786€1k▲
Financial charges65/66B€526€885▲
Recurring financial charges65€526€885▲
Profit (loss) for the period before taxes9903€15k€15k▼
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€13k€11k▼
Profit (loss) for the period to be appropriated9905€13k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€11k▼
Transfer to equity691/2€13k€9k▼
To other reserves6921€13k€9k▼
Profit to be distributed694/7-€2k
Return on contributions (dividend)694-€2k
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
28-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Heers · 1 establishment unit since 2007
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.
Steenweg(H.) 1333870 HeersGround area
1,204 m²
Building footprint
208 m²
Volume, LiDAR
1,621 m³
Parcel 73022A0441/00T000, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GYMA FRUIT
since 20072.164.498.481
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73022A0441/00T000 | Flanders | 1,204 m² | 1 · 207 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteHeers2.164.498.481
Similar companies · same sector, comparable size
DE BIESM
BE 0812.319.372
Hoogstraten · Eq €43,077
LES SAVEURS DE LA MER
BE 1002.958.620
Anderlecht · Eq €43,114
Groenten en fruit Jan en Linda
BE 0793.806.725
Lanaken · Eq €43,162
Chez Zeki
BE 0437.437.831
Brussel · Eq €41,879
Pampus
BE 0699.967.143
Rumst · Eq €43,838
Of 3,827 companies in sector 47210 we hold annual accounts for 966. 783 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 formPrivate limited company
Founded03-07-2007
Fiscal year end31-12
Activities, NACEBEL 2025
47210Retail sale of fruit and vegetables
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.