HOME FRUIT

Active

Private limited companyfounded 20215 yrs activeGeerstraat 18B, 3560 Lummen, BelgiumKBO/BCE: BE 0765.846.573

HOME FRUIT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-43k) and a net result of €-36k. Equity is shrinking by ~201.1% per year across the filed fiscal years. Its solvency ranks better than 13% of 3941 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2024

7 / 100

Critical▼ -13 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency33▼-4

Growth32=

Stability94

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.3 against 0.66 in 2023), and equity is negative.

How do we compute the score and the probability?

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

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 01

Relative position

BE, all sectors

reference

Sector 01

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

-15.9%

Return on assets

-13%

Age of the figures

20 mo

Negative equity

Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

NBB · annual accounts 2024

Equity per financial year

222324

2022 to 2024 · latest year -€43k

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-05-2026, 299 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

299 d late

2023

664 d late

2022

52 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€-43k▼ 450%

2023 · €-8k

2022: €14k 2023: €-8k

2022 → 2024

Total assets

€274k▼ 27.8%

2023 · €380k

2022: €323k 2023: €380k

2022 → 2024

Net result

€-36k▼ 59.6%

2023 · €-22k

2022: €8k 2023: €-22k

2022 → 2024

Working capital

€-93k▼ 50.0%

2023 · €-62k

2022: €-11k 2023: €-62k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€14k-€-8k€-43k▼ 450%

Operating result€12k-€-17k€-31k▼ 79.5%

Net result€8k-€-22k€-36k▼ 59.6%

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 stays negative: a loss of €31k in 2024 against €17k in 2023; the loss grows and 2024 is the lowest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €273k

85.6%

14.4%

Fixed assets €234k▼ 9.6%

Current assets €39k▼ 67.1%

Key figures and ratios

2024 value · change against 2023

EBITDA

€-5k▼

2023 · €8k

Cash flow

€-10k▼

2023 · €3k

Solvency

-15.9%▼

2023 · -2.1%

Current ratio

0.30▼

2023 · 0.66

Quick ratio

0.06▼

2023 · 0.21

Debt / equity

-7.31▲

2023 · -49.05

ROE

81.8%▼

2023 · 282.1%

ROA

-13.0%▼

2023 · -5.9%

Interest coverage

-1.08▼

2023 · 1.52

Debt

€318k▼

2023 · €388k

Debt ≤ 1 year

€132k▼

2023 · €181k

Debt > 1 year

€180k▼

2023 · €204k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€380k€274k▼

Formation expenses20€2k€1k▼

Fixed assets21/28€259k€234k▼

Tangible fixed assets22/27€258k€234k▼

Plant, machinery and equipment23€245k€224k▼

Furniture and vehicles24€13k€10k▼

Financial fixed assets28€280€280=

Current assets29/58€119k€39k▼

Stocks and contracts in progress3€82k€31k▼

Stocks30/36€82k€31k▼

Amounts receivable within one year40/41€33k€163▼

Trade receivables40€3k€0▼

Other amounts receivable41€30k€163▼

Cash at bank and in hand54/58€5k€8k▲

Equity and liabilities

Total equity and liabilities10/49€380k€274k▼

Equity10/15€-8k€-43k▼

Contributions10/11€6k€6k=

Reserves13€8k€0▼

Distributable reserves133€8k€0▼

Profit (loss) carried forward14€-22k€-50k▼

Amounts payable17/49€388k€318k▼

Amounts payable after more than one year17€204k€180k▼

Financial debts170/4€204k€180k▼

Amounts payable within one year42/48€181k€132k▼

Current portion of amounts payable after more than one year42€23k€24k▲

Trade debts44€22k€9k▼

Suppliers440/4€22k€9k▼

Advances received on contracts in progress46€0-

Taxes, remuneration and social security45€256€589▲

Taxes450/3€256€589▲

Other amounts payable47/48€135k€99k▼

Accrued charges and deferred income492/3€3k€6k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€26k▲

Other operating charges640/8€999€692▼

Gross operating margin9900€9k€-5k▼

Operating profit (loss)9901€-17k€-31k▼

Financial charges65/66B€5k€5k▼

Recurring financial charges65€5k€5k▼

Profit (loss) for the period before taxes9903€-22k€-36k▼

Profit (loss) for the period9904€-22k€-36k▼

Profit (loss) for the period to be appropriated9905€-22k€-36k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-22k€-58k▼

Profit (loss) brought forward from the previous period14P-€-22k

Transfer from equity791/2-€8k

Transfer to equity691/2€0-

To contributions691€0-

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

2026

26-05

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 299 days late

26-05

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 664 days late

2024

31-12

Financial Weakest financial yearnet €-36k

Net result drops to €-36k, the lowest in the series.

2023

21-09

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 52 days late

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, Lummen · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Geerstraat 18B3560 Lummen

Ground area

7,135 m²

Building footprint

2,138 m²

Volume, LiDAR

48,010 m³

2 parcels, Flanders · tallest building 32.1 m, ±9 floors. Linked by address, not a title deed.

1 establishment unit

HOME FRUIT

Philipssite 5, 3001 LeuvenGrowing of cereals (except rice), leguminous crops and oil seeds

since 20212.319.994.035

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24433E0025/00C002	Flanders	6,606 m²	1 · 2,027 m²	32.0 m · 9 fl.
71542B0890/00L004	Flanders	530 m²	1 · 110 m²	12.4 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 · 3 entries · 8,213 EUR awarded · 8,213 EUR paid

Year	Entries	awarded	paid
2025	1	6,168 EUR	6,168 EUR
2023	1	1,756 EUR	1,756 EUR
2022	1	289 EUR	289 EUR

Schemes

Brede weersverzekering

3 entries · 8,213 EUR · 8,213 EUR paid · VLAAMS FONDS VOOR DE LASTENDELGING

Recognitions · licences · registrations

Food safety, FASFC

1 site

Leuven2.319.994.035

1 permission

Fruitteeltbedrijf · since 30-03-2021

Similar companies · same sector, comparable size

Sint-Pieters-Leeuw · Eq €15k

Neufchâteau · Eq €15k

Of 20,586 companies in sector 01500 we hold annual accounts for 1,144. 421 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded30-03-2021

Fiscal year end31-12

Activities, NACEBEL

01500Mixed farming

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.