TD FRUIT
ActiveTD FRUIT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203k and a net result of €41k. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 92% of 3102 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+24
Solvency100▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 7.75 against 2.34 in 2024; short-term debt: 7.2% and cash: 54% of total assets), and 11.3% 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
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
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
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
88.7%
Return on assets
18%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 02-04-2026, 120 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
120 d early
2024
160 d early
2023
124 d early
2022
24 d late
2021
40 d early
2020
47 d early
2019
42 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€203k▲ 8.4%
2024 · €187k
2019: €44k
2020: €102k
2021: €129k
2022: €149k
2023: €190k
2024: €187k
2019 → 2025
Total assets
€229k▼ 15.1%
2024 · €270k
2019: €119k
2020: €206k
2021: €288k
2022: €269k
2023: €283k
2024: €270k
2019 → 2025
Net result
€41k
2024 · €-3k
2019: €26k
2020: €58k
2021: €27k
2022: €20k
2023: €41k
2024: €-3k
2019 → 2025
Working capital
€111k▲ 30.7%
2024 · €85k
2019: €-5k
2020: €53k
2021: €88k
2022: €84k
2023: €112k
2024: €85k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€149k▲ 15.7%€190k▲ 27.5%€187k▼ 1.6%€203k▲ 8.4%
Operating result€37k-€27k▼ 27.6%€61k▲ 128%€-2k€62k
Net result€27k-€20k▼ 23.8%€41k▲ 102%€-3k€41k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €62k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €229k
Fixed assets
€101k▼ 16.4%
Current assets
€128k▼ 14.0%
Equity and liabilities €229k
Equity
€203k▲ 8.4%
Debt
€26k▼ 68.6%
The debt ratio falls from 30.5% to 11.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€83k▲
2024 · €17k
Cash flow
€62k▲
2024 · €16k
Solvency
88.7%▲
2024 · 69.5%
Current ratio
7.75▲
2024 · 2.34
Quick ratio
7.75▲
2024 · 2.34
Debt / equity
0.13▼
2024 · 0.44
ROE
20.3%▲
2024 · -1.6%
ROA
18.0%▲
2024 · -1.1%
Interest coverage
55.53▲
2024 · 11.07
Debt
€26k▼
2024 · €82k
Debt ≤ 1 year
€16k▼
2024 · €63k
Debt > 1 year
€9k▼
2024 · €19k
Income taxes
€19k▲
2024 · €175
Staff costs
€46k▲
2024 · €26k
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€270k€229k▼
Fixed assets21/28€121k€101k▼
Tangible fixed assets22/27€121k€101k▼
Plant, machinery and equipment23€15k€7k▼
Furniture and vehicles24€24k€18k▼
Other tangible fixed assets26€63k€57k▼
Assets under construction and advance payments27€18k€20k▲
Current assets29/58€149k€128k▼
Amounts receivable after more than one year29€20k€0▼
Other amounts receivable291€20k€0▼
Amounts receivable within one year40/41€8k€4k▼
Trade receivables40€0€2k▲
Other amounts receivable41€8k€2k▼
Current investments50/53€186€186=
Cash at bank and in hand54/58€119k€124k▲
Deferred charges and accrued income490/1€974€513▼
Equity and liabilities
Total equity and liabilities10/49€270k€229k▼
Equity10/15€187k€203k▲
Contributions10/11€19k€19k=
Reserves13€172k€184k▲
Distributable reserves133€172k€184k▲
Profit (loss) carried forward14€-3k€0▲
Amounts payable17/49€82k€26k▼
Amounts payable after more than one year17€19k€9k▼
Financial debts170/4€19k€9k▼
Amounts payable within one year42/48€63k€16k▼
Current portion of amounts payable after more than one year42€33k€9k▼
Trade debts44€20k€1k▼
Suppliers440/4€20k€1k▼
Taxes, remuneration and social security45€11k€5k▼
Taxes450/3€11k€5k▼
Other amounts payable47/48-€531
Income statement
Code20242025
Remuneration, social security and pensions62€26k€46k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€21k▲
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€45k€132k▲
Operating profit (loss)9901€-2k€62k▲
Financial income75/76B€789€0▼
Recurring financial income75€789€0▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-3k€60k▲
Income taxes67/77€175€19k▲
Profit (loss) for the period9904€-3k€41k▲
Profit (loss) for the period to be appropriated9905€-3k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€38k▲
Profit (loss) brought forward from the previous period14P-€-3k
Transfer from equity791/2-€26k
Transfer to equity691/2€0€38k▲
To other reserves6921€0€38k▲
Profit to be distributed694/7-€26k
Return on contributions (dividend)694-€26k
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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 7.75
Current ratio from 2.34 to 7.75; short-term debt falls from €63k to €16k.
31-12
Financial
Equity above €200kEq €203k ▲8.4%
Equity rises from €187k to €203k.
21-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼107%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €190k ▲27.5%
5 profitable years in a row build equity to €190k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2019net €58k ▲128%
Operating result €82k, net result €58k, both a record.
31-12
Financial
Equity above €100kEq €102k ▲132%
2 profitable years in a row build equity to €102k.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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 2018
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.
Langstraat 793806 Sint-TruidenGround area
850 m²
Building footprint
194 m²
Volume, LiDAR
923 m³
Parcel 71058B0304/00K002, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TD FRUIT
since 20182.280.124.956
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71058B0304/00K002 | Flanders | 850 m² | 1 · 194 m² | 7.4 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
2023 to 2024 · 2 entries · 6,733 EUR awarded · 6,733 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 3,058 EUR | 3,058 EUR |
| 2023 | 1 | 3,675 EUR | 3,675 EUR |
Schemes
Brede weersverzekering
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Truiden2.280.124.956
Similar companies · same sector, comparable size
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BE 0443.802.219
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VAN ZUILEN FRUIT
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COLPAERT AGRO
BE 0774.673.474
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Cherrytree
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BRUNO CHARLIER
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Of 1,345 companies in sector 01240 we hold annual accounts for 321. 266 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2018
Fiscal year end31-12
Activities, NACEBEL
01240Growing of pome and stone fruits
46319Wholesale of fruit and vegetables, excluding potatoes
47210Retail sale of fruit and vegetables
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.