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MULTIFRUITS

Active
Private limited company·Detailhandel in groenten en fruit· 4 yrs active
Rue du Roi Chevalier 2 ·4910 Theux, Belgium
KBO/BCE: BE 0787.593.181
Watch Print / PDF
Age4 yrs
Real estate1 parcel · 192 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of MULTIFRUITS is 1.8% (moderate). The 2025 annual accounts show equity of €185k and a net result of €65k. Equity is growing by ~53.1% per year across the filed fiscal years. Its solvency ranks better than 81% of 1408 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Signals

3 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 81% of 1408 peers (2025). A comfortable equity buffer.
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend
Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 21-10-2025, 191 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-09-2025 30-04-2026 21-10-2025 191 d early 2025-00546080
30-09-2024 30-04-2025 30-01-2025 90 d early 2025-00017001
30-09-2023 30-04-2024 03-01-2024 118 d early 2024-00542220

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€65k+3.5%
Working capital€130k+39.7%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 21-10-2025 with the NBB · fiscal year 2025 · micro
€0€25k€50k€75kOperating result 2023: €69k€69kNet result 2023: €55k€55kOperating result 2024: €79k€79kNet result 2024: €63k€63kOperating result 2025: €81k€81kNet result 2025: €65k€65k202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~53.1%/year over 3 fiscal years, indicative, assuming unchanged policy.
€0€100k€200k€300k€400k2026: €249k (€234k - €264k)2027: €313k (€298k - €328k)2028: €377k (€362k - €392k)2023: €57k2024: €120k2025: €185k202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 65.2% 23.8%
better than 81% of 1408 sector peers
Net result €65k €8k
better than 90% of 1405 sector peers
Equity €185k €26k
better than 91% of 1409 sector peers
Gross operating margin €99k €36k
better than 76% of 1402 sector peers
Total assets €284k €133k
better than 73% of 1409 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P81
2023: P69 · n=57142024: P84 · n=66972025: P81 · n=14082023 2025
Stable position over 2023-2025 · n=1408-6697
Net result P90
2023: P92 · n=56942024: P92 · n=66772025: P90 · n=14052023 2025
Stable position over 2023-2025 · n=1405-6677
Equity P91
2023: P77 · n=57212024: P88 · n=67112025: P91 · n=14092023 2025
Improving position over 2023-2025 · n=1409-6711
Gross operating margin P76
2023: P79 · n=56682024: P80 · n=66562025: P76 · n=14022023 2025
Stable position over 2023-2025 · n=1402-6656
Describes the position versus peers, not a forecast.
EBITDA
€97k
+3.9% 23-25
Net profit
€65k
+3.5% 23-25
Cash flow
€81k
+5.1% 23-25
Total assets
€284k
+50.1% 23-25
Equity
€185k
+54.0% 23-25
Working capital
€130k
+39.7% 23-25
Staff costs
€212
- 23-25
Income taxes
€17k
+6.3% 23-25
Debt
€99k
+43.3% 23-25
Debt ≤ 1y
€87k
+26.4% 23-25
Debt > 1y
€12k
- 23-25
Current ratio
2.49
+6.0% 23-25
Quick ratio
2.46
+6.9% 23-25
Solvency
65.2%
+2.6% 23-25
Debt / equity
0.53
-7.0% 23-25
ROE
35.1%
-32.8% 23-25
ROA
22.9%
-31.1% 23-25
Interest coverage
334.75
-66.8% 23-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€97k
Net profit€65k
Cash flow€81k
Staff costs-
Income taxes€17k
Dividends-
Total assets€284k
Equity€185k
Debt€99k
of which ≤ 1y€87k
of which > 1y€12k
Working capital€130k
Employees (FTE)-
Ratios (computed)
2025
Current ratio2.49
Quick ratio2.46
Working capital ratio45.7%
Solvency65.2%
Debt / equity0.53
Long-term debt ratio0.06
Interest coverage334.75
Gross margin-
Net margin-
ROA22.9%
ROE35.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€284k
Fixed assets 21/28€67k
Intangible fixed assets 21€2k
Tangible fixed assets 22/27€65k
Current assets 29/58€217k
Stocks & contracts in progress 3€3k
Amounts receivable within one year 40/41€24k
Investments 50/53€150k
Cash & bank 54/58€40k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€284k
Equity 10/15€185k
Contributions / capital 10/11€3k
Reserves 13€182k
Accumulated profits (losses) 14€884
Amounts payable 17/49€99k
Amounts payable after one year 17€12k
Amounts payable within one year 42/48€87k
Trade debts payable within one year 44€12k
Income statement
Gross operating margin 9900€99k
Operating result 9901€81k
Financial income 75€2k
Financial charges 65€289
Result before taxes 9903€82k
Income taxes 67/77€17k
Net result for the period 9904€65k
Result to be appropriated 9905€65k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
100 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

1 director
Former directors (1)
  • Sonia NORGA
    Director
    State Gazette act 25071815 (06-06-2025)
    Former
    - → 19-05-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Detailhandel in groenten en fruit(47210)
Legal form Private limited company(610)
Incorporation23-06-2022
StatusActive
Postal code4910

Structure & network

Locations & real estate

Establishment units

1 location
MULTIFRUITS
Rue du Roi Chevalier 2, 4910 TheuxDetailhandel in groenten en fruit
since 20222.333.397.158
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area192 m²
Buildings1
Building footprint95 m²
Volume (LiDAR)805 m³
Tallest building9.9 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63076B1072/00V000 Wallonia 192 m² 1 · 95 m² 9.9 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 1 year ago
2025
06-06-2025 Sonia NORGA resigns as director Director changes
  • Sonia NORGA, Bestuurder

Analysis

Snowflake analysis

financial profile on 5 axes
Health100Profitability100Solvency100Growth78Stability94
94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 100
Growth 78
Stability 94

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

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Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in groenten en fruit in gespecialiseerde winkels47210Detailhandel in groenten en fruit47210
Primary activity highlighted.
Names & trade names
Legal nameFR MULTIFRUITS
Registered office
Rue du Roi Chevalier 2
4910 Theux, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.