't Fruithuis
ActiveSummary
't Fruithuis has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €590k and a net result of €274k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 34% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+6
Solvency48▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.35 against 0.35 in 2024; short-term debt: 47.3% and cash: 9.6% of total assets), and 76.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
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
23.4%
Return on assets
10.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
29 d late
2023
42 d early
2022
16 d late
2021
16 d late
2020
26 d late
2019
31 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€590k▼ 20.0%
2024 · €738k
2018: €374k
2019: €416k
2020: €373k
2021: €474k
2022: €566k
2023: €624k
2024: €738k
2018 → 2025
Total assets
€2.52M▼ 10.8%
2024 · €2.83M
2018: €1.83M
2019: €1.80M
2020: €1.69M
2021: €2.18M
2022: €2.31M
2023: €2.68M
2024: €2.83M
2018 → 2025
Net result
€274k▲ 56.9%
2024 · €175k
2018: €29k
2019: €61k
2020: €40k
2021: €153k
2022: €138k
2023: €90k
2024: €175k
2018 → 2025
Working capital
€-780k▼ 22.3%
2024 · €-638k
2018: €-166k
2019: €-141k
2020: €-126k
2021: €-210k
2022: €-251k
2023: €-544k
2024: €-638k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€474k-€566k▲ 19.4%€624k▲ 10.3%€738k▲ 18.2%€590k▼ 20.0%
Operating result€256k-€241k▼ 6.0%€196k▼ 18.9%€300k▲ 53.6%€413k▲ 37.4%
Net result€153k-€138k▼ 9.7%€90k▼ 34.7%€175k▲ 93.7%€274k▲ 56.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.52M
Fixed assets
€2.11M ▼ 14.9%
Current assets
€414k ▲ 18.6%
Equity and liabilities €2.52M
Equity
€590k ▼ 20.0%
Provisions
€100k =
Debt
€1.83M ▼ 7.9%
Debt's share of the balance-sheet total rises from 70.4% to 72.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€615k▲
2024 · €495k
Cash flow
€476k▲
2024 · €369k
Current ratio
0.35▼
2024 · 0.35
Quick ratio
0.33▼
2024 · 0.34
Debt to equity
3.11▲
2024 · 2.70
ROE
46.4%▲
2024 · 23.7%
ROA
10.9%▲
2024 · 6.2%
Interest coverage
13.85▲
2024 · 7.20
Debt ≤ 1 year
€1.19M▲
2024 · €986k
Debt > 1 year
€635k▼
2024 · €995k
Income taxes
€95k▲
2024 · €57k
Staff costs
€1.62M▲
2024 · €1.27M
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 · 64 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.83M€2.52M▼
Fixed assets21/28€2.48M€2.11M▼
Tangible fixed assets22/27€2.48M€2.11M▼
Land and buildings22€2.31M€1.98M▼
Plant, machinery and equipment23€120k€75k▼
Furniture and vehicles24€45k€55k▲
Financial fixed assets28€1k€1k=
Current assets29/58€349k€414k▲
Stocks and contracts in progress3€16k€15k▼
Stocks30/36€16k€15k▼
Amounts receivable within one year40/41€156k€156k▲
Trade receivables40€156k€156k▲
Other amounts receivable41€0€197▲
Cash at bank and in hand54/58€169k€242k▲
Deferred charges and accrued income490/1€7k€459▼
Equity and liabilities
Total equity and liabilities10/49€2.83M€2.52M▼
Equity10/15€738k€590k▼
Contributions10/11€6k€6k=
Reserves13€424k€2k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€200€200=
Distributable reserves133€423k€2k▼
Profit (loss) carried forward14€308k€582k▲
Provisions and deferred taxes16€100k€100k=
Provisions for liabilities and charges160/5€100k€100k=
Pensions and similar obligations160€100k€100k=
Amounts payable17/49€1.99M€1.83M▼
Amounts payable after more than one year17€995k€635k▼
Financial debts170/4€995k€618k▼
Other amounts payable178/9-€17k
Amounts payable within one year42/48€986k€1.19M▲
Current portion of amounts payable after more than one year42€159k€129k▼
Trade debts44€247k€172k▼
Suppliers440/4€247k€172k▼
Taxes, remuneration and social security45€173k€270k▲
Taxes450/3€16k€35k▲
Remuneration and social security454/9€157k€235k▲
Other amounts payable47/48€407k€623k▲
Accrued charges and deferred income492/3€10k€6k▼
Income statement
Code20242025
Non-recurring operating income76A€769€67k▲
Remuneration, social security and pensions62€1.27M€1.62M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€195k€202k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€17k€0▼
Other operating charges640/8€12k€13k▲
Non-recurring operating charges66A€5k€893▼
Gross operating margin9900€1.80M€2.25M▲
Operating profit (loss)9901€300k€413k▲
Financial income75/76B€0€318▲
Recurring financial income75€0€318▲
Financial charges65/66B€69k€44k▼
Recurring financial charges65€69k€44k▼
Profit (loss) for the period before taxes9903€232k€369k▲
Income taxes67/77€57k€95k▲
Profit (loss) for the period9904€175k€274k▲
Profit (loss) for the period to be appropriated9905€175k€274k▲
Appropriation of the result
Profit (loss) to be appropriated9906€308k€582k▲
Profit (loss) brought forward from the previous period14P€133k€308k▲
Transfer from equity791/2€61k€421k▲
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€61k€421k▲
Return on contributions (dividend)694€61k€421k▲
Social balance
Average headcount (FTE)908729.735.2▲
The notes to these accounts (21 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €274k ▲56.9%
Operating result €413k, net result €274k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 16 days late
2022
31-12
Financial
Equity above €500kEq €566k ▲19.4%
5 profitable years in a row build equity to €566k.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 16 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 27 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Hoogstraten · 1 establishment unit since 2004
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.
Desmedtstraat 762322 HoogstratenGround area
1,571 m²
Building footprint
516 m²
Volume, LiDAR
2,383 m³
Parcel 13024B0350/00W003, Flanders · tallest building 11.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
't Fruithuis
since 20042.135.449.654
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13024B0350/00W003 | Flanders | 1,571 m² | 1 · 516 m² | 11.2 m · 1 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
2022 to 2025 · 10 entries · 31,591 EUR awarded · 32,071 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 15,209 EUR | 15,209 EUR |
| 2024 | 3 | 9,012 EUR | 9,492 EUR |
| 2023 | 2 | 5,825 EUR | 6,238 EUR |
| 2022 | 2 | 1,545 EUR | 1,132 EUR |
Schemes
Individueel Maatwerk
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteHoogstraten2.135.449.654
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Of 3,827 companies in sector 47210 we hold annual accounts for 966. 508 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2004
Fiscal year end31-12
Activities, NACEBEL 2025
47210Retail sale of fruit and vegetables
46319Wholesale of fruit and vegetables, excluding potatoes
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.