RUVA FRUIT
ActiveSummary
RUVA FRUIT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €644k and a net result of €98k. Equity is growing by ~32.6% per year across the filed fiscal years. Its solvency ranks better than 42% of 1747 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▼-1
Solvency61▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.45 in 2024; short-term debt: 13.6% and cash: 14.2% of total assets), but 64.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · 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
Crop and animal production, hunting and related service activities (NACE 01)
about 70% fewer bankruptcies
← 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
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
35.8%
Return on assets
5.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 17-12-2025, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
11 d early
2022
30 d late
2021
29 d late
2020
30 d late
2019
45 d late
2018
29 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€644k▲ 17.9%
2024 · €546k
2018: €6klowest value
2019: €7k▲ +20.7% vs 2018
2020: €201k▲ +2738% vs 2019
2021: €300k▲ +49.0% vs 2020
2022: €429k▲ +43.2% vs 2021
2024: €546k
2025: €644k▲ +17.9% vs 2024highest value
2018 → 2025
Total assets
€1.80M▼ 0.1%
2024 · €1.80M
2018: €1.49Mlowest value
2019: €1.55M▲ +4.4% vs 2018
2020: €1.56M▲ +0.9% vs 2019
2021: €1.69M▲ +8.1% vs 2020
2022: €1.76M▲ +4.2% vs 2021
2024: €1.80Mhighest value
2025: €1.80M▼ -0.1% vs 2024
2018 → 2025
Net result
€98k▼ 18.3%
2024 · €120k
2018: €5k
2019: €1k▼ -76.9% vs 2018lowest value
2020: €194k▲ +15867% vs 2019highest value
2021: €99k▼ -49.2% vs 2020
2022: €130k▲ +31.2% vs 2021
2024: €120k
2025: €98k▼ -18.3% vs 2024
2018 → 2025
Working capital
€157k▲ 17.5%
2024 · €134k
2018: €-66k
2019: €-27k▲ +58.8% vs 2018
2020: €110k▲ +506% vs 2019
2021: €-253k▼ -329% vs 2020lowest value
2022: €361k▲ +243% vs 2021highest value
2024: €134k
2025: €157k▲ +17.5% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€201k-€300k▲ 49.0%€429k▲ 43.2%€546k▲ 27.2%€644k▲ 17.9%
2020: €201klowest value
2021: €300k▲ +49.0% vs 2020
2022: €429k▲ +43.2% vs 2021
2024: €546k
2025: €644k▲ +17.9% vs 2024highest value
Operating result€243k-€149k▼ 38.7%€223k▲ 49.9%€195k▼ 12.7%€149k▼ 23.5%
2020: €243khighest value
2021: €149k▼ -38.7% vs 2020lowest value
2022: €223k▲ +49.9% vs 2021
2024: €195k
2025: €149k▼ -23.5% vs 2024
Net result€194k-€99k▼ 49.2%€130k▲ 31.2%€120k▼ 7.6%€98k▼ 18.3%
2020: €194khighest value
2021: €99k▼ -49.2% vs 2020
2022: €130k▲ +31.2% vs 2021
2024: €120k
2025: €98k▼ -18.3% vs 2024lowest value
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 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.80M
Fixed assets
€1.40M ▲ 2.1%
Current assets
€402k ▼ 6.7%
Equity and liabilities €1.80M
Equity
€644k ▲ 17.9%
Debt
€1.16M ▼ 7.9%
Debt's share of the balance-sheet total falls from 69.6% to 64.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€348k▼
2024 · €431k
Cash flow
€296k▼
2024 · €356k
Current ratio
1.64▲
2024 · 1.45
Quick ratio
1.57▲
2024 · 1.45
Debt to equity
1.79▼
2024 · 2.29
ROE
15.2%▼
2024 · 21.9%
ROA
5.4%▼
2024 · 6.6%
Interest coverage
17.77▲
2024 · 10.80
Debt ≤ 1 year
€245k▼
2024 · €297k
Debt > 1 year
€911k▼
2024 · €957k
Income taxes
€33k▼
2024 · €35k
Staff costs
€223k▼
2024 · €338k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.80M€1.80M▼
Fixed assets21/28€1.37M€1.40M▲
Tangible fixed assets22/27€1.37M€1.40M▲
Land and buildings22€581k€596k▲
Plant, machinery and equipment23€219k€154k▼
Furniture and vehicles24€463k€529k▲
Other tangible fixed assets26€75k€88k▲
Assets under construction and advance payments27€31k€29k▼
Financial fixed assets28€2k€2k▼
Current assets29/58€431k€402k▼
Stocks and contracts in progress3-€18k
Stocks30/36-€18k
Amounts receivable within one year40/41€207k€129k▼
Trade receivables40€157k€93k▼
Other amounts receivable41€50k€35k▼
Cash at bank and in hand54/58€217k€255k▲
Deferred charges and accrued income490/1€7k-
Equity and liabilities
Total equity and liabilities10/49€1.80M€1.80M▼
Equity10/15€546k€644k▲
Contributions10/11€140k€140k=
Reserves13€406k€504k▲
Distributable reserves133€406k€504k▲
Amounts payable17/49€1.25M€1.16M▼
Amounts payable after more than one year17€957k€911k▼
Financial debts170/4€957k€911k▼
Amounts payable within one year42/48€297k€245k▼
Current portion of amounts payable after more than one year42€152k€178k▲
Trade debts44€71k€12k▼
Suppliers440/4€71k€12k▼
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3-€108
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€65k€44k▼
Income statement
Code20242025
Remuneration, social security and pensions62€338k€223k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€236k€199k▼
Other operating charges640/8€9k€5k▼
Gross operating margin9900€778k€576k▼
Operating profit (loss)9901€195k€149k▼
Financial income75/76B€407€1k▲
Recurring financial income75€407€1k▲
Financial charges65/66B€40k€20k▼
Recurring financial charges65€40k€20k▼
Profit (loss) for the period before taxes9903€155k€130k▼
Income taxes67/77€35k€33k▼
Profit (loss) for the period9904€120k€98k▼
Profit (loss) for the period to be appropriated9905€120k€98k▼
Appropriation of the result
Profit (loss) to be appropriated9906€120k€98k▼
Transfer to equity691/2€120k€98k▼
To other reserves6921€120k€98k▼
Social balance
Average headcount (FTE)90876.46.5▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €3k | - | - | - |
| Remuneration, social security and pensions62 | - | €174k | €227k | €338k | €223k | ▼ 34.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €116k | €130k | €141k | €236k | €199k | ▼ 15.9% |
| Other operating charges640/8 | - | €5k | €10k | €9k | €5k | ▼ 40.6% |
| Non-recurring operating charges66A | - | €8k | - | - | - | - |
| Gross operating margin9900 | €546k | €466k | €601k | €778k | €576k | ▼ 26.0% |
| Operating profit (loss)9901 | €243k | €149k | €223k | €195k | €149k | ▼ 23.5% |
| Financial income75/76B | - | €721 | €663 | €407 | €1k | ▲ 156% |
| Recurring financial income75 | - | €721 | €663 | €407 | €1k | ▲ 156% |
| Financial charges65/66B | - | €22k | €51k | €40k | €20k | ▼ 51.0% |
| Recurring financial charges65 | €49k | €22k | €51k | €40k | €20k | ▼ 51.0% |
| Profit (loss) for the period before taxes9903 | €194k | €128k | €173k | €155k | €130k | ▼ 16.0% |
| Income taxes67/77 | €61 | €29k | €43k | €35k | €33k | ▼ 8.1% |
| Profit (loss) for the period9904 | €194k | €99k | €130k | €120k | €98k | ▼ 18.3% |
| Profit (loss) for the period to be appropriated9905 | €194k | €99k | €130k | €120k | €98k | ▼ 18.3% |
| Line | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.56M | €1.69M | €1.76M | €1.80M | €1.80M | ▼ 0.1% |
| Fixed assets21/28 | €939k | €1.03M | €1.03M | €1.37M | €1.40M | ▲ 2.1% |
| Tangible fixed assets22/27 | €937k | €1.03M | €1.02M | €1.37M | €1.40M | ▲ 2.1% |
| Land and buildings22 | - | €536k | €565k | €581k | €596k | ▲ 2.7% |
| Plant, machinery and equipment23 | - | €243k | €241k | €219k | €154k | ▼ 29.5% |
| Furniture and vehicles24 | - | €125k | €109k | €463k | €529k | ▲ 14.4% |
| Other tangible fixed assets26 | - | €88k | €76k | €75k | €88k | ▲ 17.6% |
| Assets under construction and advance payments27 | - | €35k | €33k | €31k | €29k | ▼ 7.6% |
| Financial fixed assets28 | €2k | €4k | €5k | €2k | €2k | ▼ 22.7% |
| Current assets29/58 | €625k | €658k | €732k | €431k | €402k | ▼ 6.7% |
| Stocks and contracts in progress3 | €9k | €7k | €14k | - | €18k | - |
| Stocks30/36 | - | €7k | €14k | - | €18k | - |
| Amounts receivable within one year40/41 | €561k | €619k | €595k | €207k | €129k | ▼ 37.8% |
| Trade receivables40 | - | €617k | €565k | €157k | €93k | ▼ 40.5% |
| Other amounts receivable41 | - | €2k | €30k | €50k | €35k | ▼ 29.2% |
| Cash at bank and in hand54/58 | €5k | €21k | €114k | €217k | €255k | ▲ 17.4% |
| Deferred charges and accrued income490/1 | - | €10k | €9k | €7k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.56M | €1.69M | €1.76M | €1.80M | €1.80M | ▼ 0.1% |
| Equity10/15 | €201k | €300k | €429k | €546k | €644k | ▲ 17.9% |
| Contributions10/11 | - | €140k | €140k | €140k | €140k | = |
| Reserves13 | €61k | €160k | €289k | €406k | €504k | ▲ 24.0% |
| Non-distributable reserves130/1 | - | €14k | €14k | - | - | - |
| Reserves not available under the articles1311 | - | €14k | €14k | - | - | - |
| Distributable reserves133 | - | €146k | €275k | €406k | €504k | ▲ 24.0% |
| Profit (loss) carried forward14 | €-148k | - | - | - | - | - |
| Amounts payable17/49 | €1.36M | €1.39M | €1.33M | €1.25M | €1.16M | ▼ 7.9% |
| Amounts payable after more than one year17 | €839k | €429k | €960k | €957k | €911k | ▼ 4.8% |
| Financial debts170/4 | - | €429k | €960k | €957k | €911k | ▼ 4.8% |
| Amounts payable within one year42/48 | €514k | €911k | €371k | €297k | €245k | ▼ 17.7% |
| Current portion of amounts payable after more than one year42 | - | €662k | €143k | €152k | €178k | ▲ 17.3% |
| Trade debts44 | €162k | €29k | €69k | €71k | €12k | ▼ 83.2% |
| Suppliers440/4 | - | €29k | €69k | €71k | €12k | ▼ 83.2% |
| Advances received on contracts in progress46 | - | - | €39k | - | - | - |
| Taxes, remuneration and social security45 | - | €49k | €6k | €9k | €10k | ▲ 12.0% |
| Taxes450/3 | - | €41k | - | - | €108 | - |
| Remuneration and social security454/9 | - | €8k | €6k | €9k | €10k | ▲ 10.8% |
| Other amounts payable47/48 | - | €170k | €114k | €65k | €44k | ▼ 31.9% |
| Accrued charges and deferred income492/3 | - | €50k | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €194k | €99k | €130k | €120k | €98k | ▼ 18.3% |
| + Depreciation and write-downs630 | €116k | €130k | €141k | €236k | €199k | ▼ 15.9% |
| Operating cash flow (approximation) | €310k | €229k | €271k | €356k | €296k | ▼ 16.7% |
| Investment in fixed assets (approximation) | - | €-223k | €-138k | - | €-227k | - |
| Change in cash | - | €17k | €92k | - | €38k | - |
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
2025
17-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
20-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Equity above €500kEq €546k ▲27.2%
6 profitable years in a row build equity to €546k.
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 1.97
Current ratio from 0.72 to 1.97; short-term debt falls from €911k to €371k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €194k ▲15,867%
Operating result €243k, net result €194k, both a record.
31-12
Financial
Equity above €200kEq €201k ▲2,738%
3 profitable years in a row build equity to €201k.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
31-12
Financial
Weakest financial yearnet €1k ▼76.9%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Show earlier events
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Sint-Truiden · 1 establishment unit since 2005
Ground area
4,697 m²
Building footprint
1,428 m²
Volume, LiDAR
1,105 m³
2 parcels, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
-
since 20052.146.679.977
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71015A0535/00G000 | Flanders | 3,265 m² | 1 · 168 m² | 10.0 m · 2 fl. |
| 71009D0336/00D000 | Flanders | 1,432 m² | 1 · 1,260 m² | 0.1 m |
Linked by address, not proof of ownership
Good to know
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 · 8 entries · 21,004 EUR awarded · 21,004 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 4,889 EUR | 4,889 EUR |
| 2024 | 1 | 400 EUR | 400 EUR |
| 2023 | 2 | 2,361 EUR | 2,361 EUR |
| 2022 | 2 | 13,354 EUR | 13,354 EUR |
Schemes
Investeringssteun voor land- en tuinbouwers
Hectaresteun voor de toepassing van de biologische productiemethode
Subsidie voor controlekosten voor de biologische landbouw
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Truiden2.146.679.977
Similar companies · same sector, comparable size
'T EIRBISSEMHOF
BE 0479.457.934
Hoogstraten · Eq €641k
KNAEPEN FRUITBEDRIJF
BE 0443.736.101
Halen · Eq €648k
FRAGARIA
BE 0864.246.145
Oostkamp · Eq €638k
Fruitbedrijf WOLTERS
BE 0891.139.592
Hasselt · Eq €633k
FERME - STREEL
BE 0460.591.137
Awans · Eq €657k
Of 1,341 companies in sector 01240 we hold annual accounts for 321. 259 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
Founded08-04-2005
Fiscal year end30-06
Activities, NACEBEL 2025
01240Growing of pome and stone fruits
Scores and ratios are computed by Checked and are not a credit decision.