THE FRUITGROUP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €5.50M and a net result of €1.54M. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 33% of 5498 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
25 d late
2023
26 d late
2022
29 d late
2021
82 d late
2020
16 d early
2019
8 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, abbreviated schema
Equity
€5.50M▲ 38.9%
2024 · €3.96M
2018: €1.64M
2019: €1.66M
2020: €1.92M
2021: €2.20M
2022: €2.87M
2023: €3.32M
2024: €3.96M
2018 → 2025
Net result
€1.54M▲ 0.1%
2024 · €1.54M
2018: €9k
2019: €22k
2020: €979k
2021: €1.28M
2022: €1.87M
2023: €1.35M
2024: €1.54M
2018 → 2025
Total assets
€16.81M▲ 161%
2024 · €6.44M
2018: €2.63M
2019: €2.85M
2020: €3.37M
2021: €3.51M
2022: €6.48M
2023: €6.07M
2024: €6.44M
2018 → 2025
Solvency
32.7%▼ 28.8pp
2024 · 61.5%
2018: 62.4%
2019: 58.3%
2020: 57.0%
2021: 62.6%
2022: 44.2%
2023: 54.7%
2024: 61.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.20M-€2.87M▲ 30.4%€3.32M▲ 15.8%€3.96M▲ 19.2%€5.50M▲ 38.9%
Operating result€1.22M-€1.69M▲ 38.4%€1.09M▼ 35.6%€1.35M▲ 23.8%€1.59M▲ 18.1%
Net result€1.28M-€1.87M▲ 46.5%€1.35M▼ 27.6%€1.54M▲ 13.5%€1.54M▲ 0.1%
Turnover and EBIT margin not published: the abbreviated or micro 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 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16.81M
Fixed assets
€15.70M▲ 206%
Current assets
€1.11M▼ 15.4%
Equity and liabilities €16.81M
Equity
€5.50M▲ 38.9%
Debt
€11.31M▲ 356%
The debt ratio rises from 38.5% to 67.3%. Equity and debt are higher.
Key figures and ratios
Solvency
32.7%▼
2024 · 61.5%
ROE
28.0%▼
2024 · 38.8%
ROA
9.2%▼
2024 · 23.9%
Debt
€11.31M▲
2024 · €2.48M
Debt ≤ 1 year
€3.32M▲
2024 · €2.48M
Debt > 1 year
€7.99M
Income taxes
€404k▲
2024 · €113k
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€6.44M€16.81M▲
Fixed assets21/28€5.13M€15.70M▲
Financial fixed assets28€5.13M€15.70M▲
Current assets29/58€1.31M€1.11M▼
Amounts receivable within one year40/41€1.13M€1.07M▼
Trade receivables40€1.13M€863k▼
Other amounts receivable41€5k€205k▲
Cash at bank and in hand54/58€176k€41k▼
Equity and liabilities
Total equity and liabilities10/49€6.44M€16.81M▲
Equity10/15€3.96M€5.50M▲
Contributions10/11€1.63M€1.63M=
Reserves13€2.33M€3.87M▲
Distributable reserves133€2.33M€3.87M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€2.48M€11.31M▲
Amounts payable after more than one year17-€7.99M
Financial debts170/4-€7.99M
Amounts payable within one year42/48€2.48M€3.32M▲
Current portion of amounts payable after more than one year42-€1.01M
Financial debts43€1.52M€2.17M▲
Other loans439€1.52M€2.17M▲
Trade debts44€27k€118k▲
Suppliers440/4€27k€118k▲
Taxes, remuneration and social security45€32k€24k▼
Taxes450/3€32k€24k▼
Other amounts payable47/48€900k€0▼
Income statement
Code20242025
Other operating charges640/8€1k€12k▲
Gross operating margin9900€1.35M€1.61M▲
Operating profit (loss)9901€1.35M€1.59M▲
Financial income75/76B€300k€351k▲
Recurring financial income75€300k€351k▲
Financial charges65/66B€44€2k▲
Recurring financial charges65€44€2k▲
Profit (loss) for the period before taxes9903€1.65M€1.94M▲
Income taxes67/77€113k€404k▲
Profit (loss) for the period9904€1.54M€1.54M▲
Profit (loss) for the period to be appropriated9905€1.54M€1.54M▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.54M€1.54M▲
Transfer to equity691/2€637k€1.54M▲
To other reserves6921€637k€1.54M▲
Profit to be distributed694/7€900k€0▼
Directors or managers695€900k€0▼
The notes to these accounts (14 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
31-12
Financial
Equity above €5MEq €5.50M ▲38.9%
8 profitable years in a row build equity to €5.50M.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €1.87M ▲46.5%
Operating result €1.69M, net result €1.87M, both a record.
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 82 days late
2021
31-12
Financial
Equity above €2MEq €2.20M ▲14.3%
4 profitable years in a row build equity to €2.20M.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Lendelede · 1 establishment unit since 2015
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.
't Zaagske 198860 LendeledeGround area
1,384 m²
Building footprint
335 m²
Volume, LiDAR
2,424 m³
Parcel 34025B0194/00B000, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
THE FRUITGROUP
since 20152.238.637.264
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34025B0194/00B000 | Flanders | 1,384 m² | 1 · 335 m² | 11.8 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
2022 to 2024 · 3 entries · 1,351 EUR awarded · 1,301 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 931 EUR | 843 EUR |
| 2023 | 1 | 0 EUR | 458 EUR |
| 2022 | 1 | 420 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 7,836 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.