IBO FRUIT
ActiveIBO FRUIT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €335k and a net result of €53k. Equity is growing by ~39.1% per year across the filed fiscal years. Its solvency ranks better than 46% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
78
/ 100
Excellent▲ +22 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-20
Solvency48▲+17
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 0.75 in 2024), and 70.8% 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
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 · 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
29.2%
Return on assets
4.7%
Age of the figures
12 mo
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
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-05-2026, 11 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
11 d late
2024
on the day
2023
39 d early
2022
on the day
2021
46 d late
2020
17 d late
2019
123 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€335k▲ 18.9%
2024 · €282k
2018: €38k
2019: €40k
2020: €53k
2021: €107k
2022: €129k
2023: €174k
2024: €282k
2018 → 2025
Total assets
€1.15M▼ 0.4%
2024 · €1.15M
2018: €72k
2019: €87k
2020: €97k
2021: €217k
2022: €221k
2023: €280k
2024: €1.15M
2018 → 2025
Net result
€53k▼ 50.4%
2024 · €108k
2018: €-1k
2019: €2k
2020: €13k
2021: €55k
2022: €21k
2023: €46k
2024: €108k
2018 → 2025
Working capital
€15k
2024 · €-38k
2018: €7k
2019: €3k
2020: €28k
2021: €20k
2022: €67k
2023: €133k
2024: €-38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€129k▲ 19.9%€174k▲ 35.4%€282k▲ 61.7%€335k▲ 18.9%
Operating result€77k-€42k▼ 44.8%€77k▲ 82.3%€161k▲ 109%€108k▼ 32.8%
Net result€55k-€21k▼ 60.8%€46k▲ 114%€108k▲ 136%€53k▼ 50.4%
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 falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.15M
Fixed assets
€982k▼ 5.1%
Current assets
€165k▲ 40.9%
Equity and liabilities €1.15M
Equity
€335k▲ 18.9%
Debt
€812k▼ 6.7%
The debt ratio falls from 75.5% to 70.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€162k▼
2024 · €190k
Cash flow
€107k▼
2024 · €136k
Solvency
29.2%▲
2024 · 24.5%
Current ratio
1.10▲
2024 · 0.75
Quick ratio
1.01▲
2024 · 0.72
Debt / equity
2.42▼
2024 · 3.08
ROE
15.9%▼
2024 · 38.1%
ROA
4.7%▼
2024 · 9.3%
Interest coverage
4.47▼
2024 · 20.93
Debt
€812k▼
2024 · €870k
Debt ≤ 1 year
€150k▼
2024 · €155k
Debt > 1 year
€662k▼
2024 · €714k
Income taxes
€18k▼
2024 · €44k
Staff costs
€258k▲
2024 · €240k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.15M€1.15M▼
Fixed assets21/28€1.03M€982k▼
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€1.02M€974k▼
Land and buildings22€1.01M€965k▼
Plant, machinery and equipment23€12k€9k▼
Furniture and vehicles24€353€0▼
Financial fixed assets28€8k€5k▼
Current assets29/58€117k€165k▲
Stocks and contracts in progress3€5k€13k▲
Stocks30/36€5k€13k▲
Amounts receivable within one year40/41€33k€16k▼
Trade receivables40€38€9k▲
Other amounts receivable41€33k€6k▼
Cash at bank and in hand54/58€75k€132k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.15M€1.15M▼
Equity10/15€282k€335k▲
Contributions10/11€19k€19k=
Reserves13€263k€317k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€262k€315k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€870k€812k▼
Amounts payable after more than one year17€714k€662k▼
Financial debts170/4€714k€662k▼
Amounts payable within one year42/48€155k€150k▼
Current portion of amounts payable after more than one year42€51k€60k▲
Trade debts44€21k€33k▲
Suppliers440/4€21k€33k▲
Taxes, remuneration and social security45€74k€47k▼
Taxes450/3€52k€10k▼
Remuneration and social security454/9€21k€37k▲
Other amounts payable47/48€10k€10k▼
Income statement
Code20242025
Remuneration, social security and pensions62€240k€258k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€54k▲
Other operating charges640/8€6k€11k▲
Gross operating margin9900€436k€431k▼
Operating profit (loss)9901€161k€108k▼
Financial income75/76B€1€1▲
Recurring financial income75€1€1▲
Financial charges65/66B€9k€36k▲
Recurring financial charges65€9k€36k▲
Profit (loss) for the period before taxes9903€152k€72k▼
Income taxes67/77€44k€18k▼
Profit (loss) for the period9904€108k€53k▼
Profit (loss) for the period to be appropriated9905€108k€53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€229k€53k▼
Profit (loss) brought forward from the previous period14P€121k-
Transfer to equity691/2€229k€53k▼
To other reserves6921€229k€53k▼
The notes to these accounts (11 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €108k ▲136%
Operating result €161k, net result €108k, both a record.
30-09
Financial
Equity above €200kEq €282k ▲61.7%
6 profitable years in a row build equity to €282k.
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €150kEq €174k ▲35.4%
5 profitable years in a row build equity to €174k.
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 46 days late
2021
30-09
Financial
Equity above €100kEq €107k ▲103%
3 profitable years in a row build equity to €107k.
17-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 123 days late
2019
30-09
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
09-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 9 days late
2018
24-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Genk · 1 establishment unit since 2012
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.
Hooiweg 873600 GenkGround area
4,856 m²
Building footprint
1,506 m²
Volume, LiDAR
8,128 m³
2 parcels, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IBO FRUIT
since 20122.207.551.140
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73043B0289/00N004 | Flanders | 3,543 m² | 1 · 1,370 m² | 6.7 m · 2 fl. |
| 71305F0775/00R000 | Flanders | 1,313 m² | 1 · 136 m² | 6.5 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
2024 · 1 entry · 633 EUR awarded · 451 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 633 EUR | 451 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteDilsen-Stokkem2.207.551.140
Dual-learning approval
6 endedSimilar companies · same sector, comparable size
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B-CONNECTED
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COOREVITS LIFTSERVICE
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COOLFOODS
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Destelbergen · Eq €336k
Of 12,958 companies in sector 47120 we hold annual accounts for 2,176. 1,222 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2012
Fiscal year end30-09
Activities, NACEBEL
47120Other non-specialised retail sale
47210Retail sale of fruit and vegetables
47910Retail trade
47810Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.