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RUVA FRUIT

Active
Private limited companyfounded 200521 yrs activeKleinveldstraat 3, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 0873.065.425
Summary

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 date
Age against the risk zone
highest failure risk from 2 to 8 years 21 years 0 30 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, 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 filings
Deviation 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 months
Position in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

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
€0€100k€200kOperating result 2020: €243k€243kNet result 2020: €194k€194kOperating result 2021: €149k€149kNet result 2021: €99k€99kOperating result 2022: €223k€223kNet result 2022: €130k€130kOperating result 2024: €195k€195kNet result 2024: €120k€120kOperating result 2025: €149k€149kNet result 2025: €98k€98k20202021202220242025€0€100k€200kOperating result 2022: €223k€223kNet result 2022: €130k€130kOperating result 2024: €195k€195kNet result 2024: €120k€120kOperating result 2025: €149k€149kNet result 2025: €98k€98k202220242025
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
2025 value · change against 2024
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
Line20202021202220242025Change
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%
Line20202021202220242025Change
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----
Line20202021202220242025Change
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.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
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.

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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
seat establishment The establishment unit on the map
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
-
Belingstraat 36, 3800 Sint-TruidenGrowing of cereals (except rice), leguminous crops and oil seeds
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 awardedpaid
2025 3 4,889 EUR4,889 EUR
2024 1 400 EUR400 EUR
2023 2 2,361 EUR2,361 EUR
2022 2 13,354 EUR13,354 EUR
Schemes
Investeringssteun voor land- en tuinbouwers
2 entries · 16,562 EUR · 16,562 EUR paid · Vlaams Landbouwinvesteringsfonds
Hectaresteun voor de toepassing van de biologische productiemethode
2 entries · 2,922 EUR · 2,922 EUR paid · Agentschap Landbouw en Zeevisserij
Subsidie voor controlekosten voor de biologische landbouw
4 entries · 1,520 EUR · 1,520 EUR paid · Agentschap Landbouw en Zeevisserij

Recognitions · licences · registrations

Food safety, FASFC

1 site
Sint-Truiden2.146.679.977
1 permission
Fruitteeltbedrijf · since 06-07-2010

Similar companies · same sector, comparable size

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.