JAWAD FRUIT
ActiveJAWAD FRUIT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €159k and a net result of €15k. Equity is growing by ~36.1% per year across the filed fiscal years. Its solvency ranks better than 40% of 26048 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▼-4
Solvency46▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.24 in 2023; short-term debt: 78.9% and cash: 11.2% of total assets), and 78.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
152 d late
2022
65 d late
2021
75 d late
2020
87 d late
2019
118 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k▼ 55.4%
2023 · €35k
2018: €40k
2019: €18k
2020: €32k
2021: €27k
2022: €20k
2023: €35k
2018 → 2024
Working capital
€143k▲ 15.8%
2023 · €124k
2018: €10k
2019: €12k
2020: €51k
2021: €79k
2022: €90k
2023: €124k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€57k-€83k▲ 46.6%€103k▲ 23.8%€144k▲ 39.0%€159k▲ 10.7%
Operating result€33k-€28k▼ 13.5%€30k▲ 6.3%€35k▲ 15.3%€16k▼ 53.9%
Net result€32k-€27k▼ 17.0%€20k▼ 25.2%€35k▲ 73.9%€15k▼ 55.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 54% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €754k
Fixed assets
€16k▼ 20.8%
Current assets
€738k▲ 15.0%
Equity and liabilities €754k
Equity
€159k▲ 10.7%
Debt
€595k▲ 14.8%
The debt ratio rises from 78.3% to 78.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€20k▼
2023 · €37k
Cash flow
€20k▼
2023 · €37k
Solvency
21.1%▼
2023 · 21.7%
Current ratio
1.24▲
2023 · 1.24
Quick ratio
1.19▲
2023 · 1.19
Debt / equity
3.74▲
2023 · 3.61
ROE
9.7%▼
2023 · 24.0%
ROA
2.0%▼
2023 · 5.2%
Interest coverage
123.39▼
2023 · 679.55
Debt
€595k▲
2023 · €518k
Debt ≤ 1 year
€595k▲
2023 · €518k
Income taxes
€401
Staff costs
€118k▲
2023 · €111k
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€662k€754k▲
Fixed assets21/28€20k€16k▼
Tangible fixed assets22/27€17k€13k▼
Furniture and vehicles24-€13k
Leasing and similar rights25€17k-
Financial fixed assets28€3k€3k=
Current assets29/58€641k€738k▲
Stocks and contracts in progress3€27k€31k▲
Stocks30/36€27k€31k▲
Amounts receivable within one year40/41€563k€618k▲
Trade receivables40€514k€561k▲
Other amounts receivable41€49k€57k▲
Cash at bank and in hand54/58€51k€84k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€662k€754k▲
Equity10/15€144k€159k▲
Contributions10/11€19k€19k=
Outside capital11-€19k
Other1109/19-€19k
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€123k€138k▲
Amounts payable17/49€518k€595k▲
Amounts payable within one year42/48€518k€595k▲
Trade debts44€373k€379k▲
Suppliers440/4€373k€379k▲
Taxes, remuneration and social security45€44k€56k▲
Taxes450/3€28k€10k▼
Remuneration and social security454/9€16k€46k▲
Other amounts payable47/48€101k€160k▲
Income statement
Code20232024
Remuneration, social security and pensions62€111k€118k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€9k€2k▼
Gross operating margin9900€157k€140k▼
Operating profit (loss)9901€35k€16k▼
Financial charges65/66B€54€163▲
Recurring financial charges65€54€163▲
Profit (loss) for the period before taxes9903€35k€16k▼
Income taxes67/77-€401
Profit (loss) for the period9904€35k€15k▼
Profit (loss) for the period to be appropriated9905€35k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€123k€138k▲
Profit (loss) brought forward from the previous period14P€89k€123k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €15k ▼55.4%
Net result drops to €15k, the lowest in the series.
31-12
Financial
Equity above €150kEq €159k ▲10.7%
7 profitable years in a row build equity to €159k.
30-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 152 days late
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 65 days late
2022
31-12
Financial
Equity above €100kEq €103k ▲23.8%
5 profitable years in a row build equity to €103k.
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 75 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 87 days late
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 118 days late
2019
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 62 days late
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 62 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 1 day late
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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 2010
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.
Werkhuizenkaai 22/231000 BrusselGround area
12.0 ha
Building footprint
6,817 m²
Volume, LiDAR
70,289 m³
Parcel 21813E0110/00G002, Brussels · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
JAWAD FRUIT
since 20102.193.701.619
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21813E0110/00G002 | Brussels | 12.0 ha | 1 · 6,817 m² | 11.7 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.193.701.619
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Of 3,829 companies in sector 47210 we hold annual accounts for 965. 744 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2010
Fiscal year end31-12
Activities, NACEBEL
46319Wholesale of fruit and vegetables, excluding potatoes
47210Retail sale of fruit and vegetables
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0486.999.198