T.F.F.
ActiveT.F.F. has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €320k and a net result of €-61k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 55% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-4
Solvency65▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity short (current ratio 0.4 against 0.13 in 2024; short-term debt: 34.2% of total assets), and 59.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-61k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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
17 d late
2024
30 d late
2023
58 d late
2022
31 d late
2021
57 d late
2020
30 d late
2019
66 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€320k▼ 16.1%
2024 · €381k
2018: €41k
2019: €46k
2020: €51k
2021: €25k
2022: €-36k
2023: €437k
2024: €381k
2018 → 2025
Total assets
€795k▼ 24.6%
2024 · €1.06M
2018: €482k
2019: €536k
2020: €533k
2021: €507k
2022: €763k
2023: €1.09M
2024: €1.06M
2018 → 2025
Net result
€-61k▼ 10.8%
2024 · €-55k
2018: €9k
2019: €6k
2020: €5k
2021: €-27k
2022: €-60k
2023: €125k
2024: €-55k
2018 → 2025
Working capital
€-163k▲ 57.9%
2024 · €-387k
2018: €-9k
2019: €-108k
2020: €-125k
2021: €-125k
2022: €-474k
2023: €-333k
2024: €-387k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€-36k€437k€381k▼ 12.7%€320k▼ 16.1%
Operating result€-13k-€-37k▼ 177%€167k€-26k€-44k▼ 67.4%
Net result€-27k-€-60k▼ 124%€125k€-55k€-61k▼ 10.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €44k in 2025 against €26k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €795k
Fixed assets
€686k▼ 31.2%
Current assets
€109k▲ 89.6%
Equity and liabilities €795k
Equity
€320k▼ 16.1%
Debt
€475k▼ 29.5%
The debt ratio falls from 63.9% to 59.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-19k▼
2024 · €1k
Cash flow
€-36k▼
2024 · €-28k
Solvency
40.2%▲
2024 · 36.1%
Current ratio
0.40▲
2024 · 0.13
Quick ratio
0.37▲
2024 · 0.11
Debt / equity
1.49▼
2024 · 1.77
ROE
-19.1%▼
2024 · -14.5%
ROA
-7.7%▼
2024 · -5.2%
Interest coverage
-1.04▼
2024 · 0.04
Debt
€475k▼
2024 · €674k
Debt ≤ 1 year
€272k▼
2024 · €445k
Debt > 1 year
€203k▼
2024 · €229k
Income taxes
€176▲
2024 · €174
Staff costs
€76k▼
2024 · €79k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.06M€795k▼
Fixed assets21/28€998k€686k▼
Tangible fixed assets22/27€998k€686k▼
Land and buildings22€759k€610k▼
Plant, machinery and equipment23€12k€9k▼
Other tangible fixed assets26€228k€68k▼
Current assets29/58€58k€109k▲
Stocks and contracts in progress3€9k€9k=
Stocks30/36€9k€9k=
Amounts receivable within one year40/41€47k€98k▲
Trade receivables40€37k€34k▼
Other amounts receivable41€10k€64k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.06M€795k▼
Equity10/15€381k€320k▼
Contributions10/11€15k€15k=
Revaluation surpluses12€347k€347k=
Reserves13€9k€9k=
Tax-exempt reserves132€7k€7k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€10k€-51k▼
Amounts payable17/49€674k€475k▼
Amounts payable after more than one year17€229k€203k▼
Financial debts170/4€229k€203k▼
Amounts payable within one year42/48€445k€272k▼
Current portion of amounts payable after more than one year42€29k€29k▲
Financial debts43€235k€50k▼
Credit institutions430/8€235k€50k▼
Trade debts44€162k€186k▲
Suppliers440/4€162k€186k▲
Taxes, remuneration and social security45€19k€6k▼
Taxes450/3€14k€1k▼
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48-€1k
Income statement
Code20242025
Non-recurring operating income76A€3k-
Remuneration, social security and pensions62€79k€76k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€26k▼
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A-€66k
Gross operating margin9900€84k€128k▲
Operating profit (loss)9901€-26k€-44k▼
Financial income75/76B€909€1k▲
Recurring financial income75€909€1k▲
Financial charges65/66B€30k€18k▼
Recurring financial charges65€30k€18k▼
Profit (loss) for the period before taxes9903€-55k€-61k▼
Income taxes67/77€174€176▲
Profit (loss) for the period9904€-55k€-61k▼
Profit (loss) for the period to be appropriated9905€-55k€-61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€-51k▼
Profit (loss) brought forward from the previous period14P€66k€10k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Weakest financial yearnet €-61k
Net result drops to €-61k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Back to profitnet €125k
Net result €125k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €437k
Equity rises from €-36k to €437k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 57 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
17-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 48 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2018
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
06-06-2018
Mas An: Resigned as Manager
01-09-2016
Fabry Peter: Resigned as Manager
04-11-2014
FABRYCO: Resigned as Manager
04-11-2014
KOBANI: Resigned as Manager
Location & real-estate footprint
Registered office, Sint-Truiden · 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.
Kogelstraat 153800 Sint-TruidenGround area
2,576 m²
Building footprint
148 m²
Volume, LiDAR
977 m³
Parcel 71064C0641/00K000, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Time 4 Fruit
since 20102.187.933.978
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71064C0641/00K000 | Flanders | 2,576 m² | 1 · 148 m² | 11.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 450 EUR awarded · 450 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 450 EUR | 450 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Truiden2.187.933.978
Similar companies · same sector, comparable size
HOLVOET
BE 0414.729.339
Waregem · Eq €321k
't VELDSPITJE
BE 0829.243.595
Ardooie · Eq €319k
VAN TIEGHEM
BE 0458.246.707
Wingene · Eq €317k
WAN THAI FOOD
BE 0578.928.959
Braine-le-Château · Eq €327k
KIPPEKONING II
BE 0742.820.555
Halen · Eq €328k
Of 3,827 companies in sector 47210 we hold annual accounts for 966. 639 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-2010
Fiscal year end31-12
Activities, NACEBEL
01130Growing of vegetables, melons, roots and tubers
47210Retail sale of fruit and vegetables
46319Wholesale of fruit and vegetables, excluding potatoes
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.