M.S. FRUIT
ActiveSummary
M.S. FRUIT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39,469 and a net result of €9,505. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 86% of 11472 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability89▼-11
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity ample (current ratio 6.84 against 5.36 in 2024; short-term debt: 14.2% and cash: 96.9% of total assets), and 14.2% of the assets are financed with debt.
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Signals
Five 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
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 →
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
85.8%
Return on assets
20.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €39,469
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
28 d late
2023
18 d early
2022
46 d late
2021
22 d late
2020
23 d late
2019
31 d late
← 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 23 days after 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€39,469▲ 31.7%
2024 · €29,964
Total assets
€45,997▲ 25.9%
2024 · €36,532
Net result
€9,505▲ 2.8%
2024 · €9,247
Working capital
€38,110▲ 33.2%
2024 · €28,605
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
Operating result€143-€2,268-€1,781▲ 21.5%€9,404€9,673▲ 2.9%
Net result€11within the sector's middle half-€2,390within the sector's middle half-€1,903within the sector's middle half▲ 20.4%€9,247within the sector's middle half€9,505within the sector's middle half▲ 2.8%
Equity€25,010within the sector's middle half=€22,620within the sector's middle half▼ 9.6%€20,717within the sector's middle half▼ 8.4%€29,964within the sector's middle half▲ 44.6%€39,469within the sector's middle half▲ 31.7%
Total assets€28,710below the sector's middle half▼ 4.6%€29,314below the sector's middle half▲ 2.1%€24,417below the sector's middle half▼ 16.7%€36,532below the sector's middle half▲ 49.6%€45,997below the sector's middle half▲ 25.9%
Debt€3,700▼ 27.2%€6,694▲ 80.9%€3,700▼ 44.7%€6,568▲ 77.5%€6,527▼ 0.6%
Working capital€23,651=€21,261▼ 10.1%€19,358▼ 8.9%€28,605▲ 47.8%€38,110▲ 33.2%
Solvency87.1%above the sector's middle half▲ 4.0pp77.2%above the sector's middle half▼ 9.9pp84.8%above the sector's middle half▲ 7.7pp82.0%above the sector's middle half▼ 2.8pp85.8%above the sector's middle half▲ 3.8pp
Staff (FTE)
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.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45,997
Fixed assets
€1,359 =
Current assets
€44,638 ▲ 26.9%
Equity and liabilities €45,997
Equity
€39,469 ▲ 31.7%
Debt
€6,527 ▼ 0.6%
Debt's share of the balance-sheet total falls from 18.0% to 14.2%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
6.84▲
2024 · 5.36
Debt to equity
0.17▼
2024 · 0.22
ROE
24.1%▼
2024 · 30.9%
ROA
20.7%▼
2024 · 25.3%
Debt ≤ 1 year
€6,527▼
2024 · €6,568
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 34,672 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €1,287 | €1,751 | - | - | - | - |
| Other operating charges640/8 | €62 | €62 | €62 | €62 | €62 | = |
| Gross operating margin9900 | €1,492 | -€455 | -€1,719 | €9,466 | €9,735 | ▲ 2.8% |
| Operating profit (loss)9901 | €143 | -€2,268 | -€1,781 | €9,404 | €9,673 | ▲ 2.9% |
| Financial charges65/66B | €132 | €122 | €122 | €157 | €168 | ▲ 7.0% |
| Recurring financial charges65 | €132 | €122 | €122 | €157 | €168 | ▲ 7.0% |
| Profit (loss) for the period before taxes9903 | €11 | -€2,390 | -€1,903 | €9,247 | €9,505 | ▲ 2.8% |
| Profit (loss) for the period9904 | €11 | -€2,390 | -€1,903 | €9,247 | €9,505 | ▲ 2.8% |
| Profit (loss) for the period to be appropriated9905 | €11 | -€2,390 | -€1,903 | €9,247 | €9,505 | ▲ 2.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €28,710 | €29,314 | €24,417 | €36,532 | €45,997 | ▲ 25.9% |
| Fixed assets21/28 | €1,359 | €1,359 | €1,359 | €1,359 | €1,359 | = |
| Financial fixed assets28 | €1,359 | €1,359 | €1,359 | €1,359 | €1,359 | = |
| Current assets29/58 | €27,351 | €27,955 | €23,058 | €35,173 | €44,638 | ▲ 26.9% |
| Amounts receivable within one year40/41 | €124 | €357 | €588 | €679 | €80 | ▼ 88.2% |
| Other amounts receivable41 | €124 | €357 | €588 | €679 | €80 | ▼ 88.2% |
| Cash at bank and in hand54/58 | €27,227 | €27,598 | €22,470 | €34,494 | €44,558 | ▲ 29.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €28,710 | €29,314 | €24,417 | €36,532 | €45,997 | ▲ 25.9% |
| Equity10/15 | €25,010 | €22,620 | €20,717 | €29,964 | €39,469 | ▲ 31.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €4,550 | €2,160 | €257 | €9,504 | €19,009 | ▲ 100% |
| Amounts payable17/49 | €3,700 | €6,694 | €3,700 | €6,568 | €6,527 | ▼ 0.6% |
| Amounts payable within one year42/48 | €3,700 | €6,694 | €3,700 | €6,568 | €6,527 | ▼ 0.6% |
| Trade debts44 | - | €2,994 | - | €2,868 | €2,867 | = |
| Suppliers440/4 | - | €2,994 | - | €2,868 | €2,867 | = |
| Other amounts payable47/48 | €3,700 | €3,700 | €3,700 | €3,700 | €3,660 | ▼ 1.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11 | -€2,390 | -€1,903 | €9,247 | €9,505 | ▲ 2.8% |
| Operating cash flow (approximation) | €11 | -€2,390 | -€1,903 | €9,247 | €9,505 | ▲ 2.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €370 | -€5,128 | €12,024 | €10,063 | ▼ 16.3% |
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
27-07
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- Board meeting, 31-12-2024
- Registered-office move, Tongersesteenweg 217, 3800 Sint-Truiden
2025
31-12
Financial
Highest result since 2018net €9,505 ▲2.8%
Operating result €9,673, net result €9,505, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €9,247
Net result €9,247 after 2 loss-making years.
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 46 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Back to profitnet €11
Net result €11 after 3 loss-making years.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Truiden · 1 establishment unit since 2009
Ground area
2,526 m²
Building footprint
230 m²
Volume, LiDAR
1,163 m³
Parcel 71009A0019/00T000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
M.S. FRUIT
since 20092.176.005.156
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71009A0019/00T000 | Flanders | 2,526 m² | 1 · 230 m² | 8.0 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Truiden2.176.005.156
Similar companies · same sector, comparable size
FRUITHANDEL VAN HALEWYCK
BE 0404.835.141
Antwerpen · Eq €39,539
ANKA FRUIT
BE 0460.812.653
Roosdaal · Eq €40,249
NESTOR DIRK
BE 0462.311.205
Keerbergen · Eq €40,531
Willy van den Berk
BE 0422.314.838
Zaventem · Eq €40,806
Legubest
BE 0501.715.870
Tongeren-Borgloon · Eq €37,921
Of 958 companies in sector 46319 we hold annual accounts for 611. 297 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-11-2008
Fiscal year end31-12
Activities, NACEBEL 2025
46319Wholesale of fruit and vegetables, excluding potatoes
E-invoicing
Reachable via Peppol
Peppol ID
0208:0807731272
Also
9925:BE0807731272
Registered
11-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.