VELMA FRUIT
ActiveVELMA FRUIT has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.91M and a net result of €7k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 77% of 1722 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-4
Solvency95▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €290k at 30 days acceptable
Liquidity ample (current ratio 2.75 against 1.12 in 2024; short-term debt: 8.5% and cash: 2% of total assets), and 29.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 01
lower
← 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
70.4%
Return on assets
0.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
55 d late
2023
94 d late
2022
93 d late
2021
29 d late
2020
31 d late
2019
24 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.91M▲ 0.2%
2024 · €3.90M
2018: €808k
2019: €816k
2020: €3.65M
2021: €3.68M
2022: €3.71M
2023: €3.83M
2024: €3.90M
2018 → 2025
Total assets
€5.55M▼ 27.8%
2024 · €7.69M
2018: €2.88M
2019: €3.12M
2020: €5.38M
2021: €5.52M
2022: €6.54M
2023: €6.37M
2024: €7.69M
2018 → 2025
Net result
€7k▼ 89.1%
2024 · €64k
2018: €-229k
2019: €9k
2020: €11k
2021: €37k
2022: €29k
2023: €123k
2024: €64k
2018 → 2025
Working capital
€823k▲ 132%
2024 · €355k
2018: €243k
2019: €182k
2020: €171k
2021: €178k
2022: €139k
2023: €254k
2024: €355k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.68M-€3.71M▲ 0.8%€3.83M▲ 3.3%€3.90M▲ 1.7%€3.91M▲ 0.2%
Operating result€83k-€80k▼ 3.4%€241k▲ 202%€165k▼ 31.7%€106k▼ 35.9%
Net result€37k-€29k▼ 20.4%€123k▲ 318%€64k▼ 48.2%€7k▼ 89.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.55M
Fixed assets
€4.26M▼ 1.5%
Current assets
€1.29M▼ 61.6%
Equity and liabilities €5.55M
Equity
€3.91M▲ 0.2%
Debt
€1.65M▼ 56.6%
The debt ratio falls from 49.3% to 29.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€202k▼
2024 · €275k
Cash flow
€103k▼
2024 · €174k
Solvency
70.4%▲
2024 · 50.7%
Current ratio
2.75▲
2024 · 1.12
Quick ratio
2.75▲
2024 · 1.12
Debt / equity
0.42▼
2024 · 0.97
ROE
0.2%▼
2024 · 1.6%
ROA
0.1%▼
2024 · 0.8%
Interest coverage
2.29▼
2024 · 2.72
Debt
€1.65M▼
2024 · €3.79M
Debt ≤ 1 year
€471k▼
2024 · €3.01M
Debt > 1 year
€1.17M▲
2024 · €770k
Income taxes
€11k
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€7.69M€5.55M▼
Fixed assets21/28€4.32M€4.26M▼
Tangible fixed assets22/27€4.31M€4.25M▼
Land and buildings22€4.04M€4.01M▼
Plant, machinery and equipment23€15k€38k▲
Furniture and vehicles24€346€3k▲
Leasing and similar rights25€261k€197k▼
Financial fixed assets28€8k€8k=
Current assets29/58€3.37M€1.29M▼
Amounts receivable within one year40/41€3.34M€1.13M▼
Trade receivables40€2.72M€635k▼
Other amounts receivable41€619k€499k▼
Cash at bank and in hand54/58€213€109k▲
Deferred charges and accrued income490/1€27k€52k▲
Equity and liabilities
Total equity and liabilities10/49€7.69M€5.55M▼
Equity10/15€3.90M€3.91M▲
Contributions10/11€640k€640k=
Capital10€620k€620k=
Issued capital100€620k€620k=
Outside capital11€21k€21k=
Share premium1100/10€21k€21k=
Revaluation surpluses12€2.82M€2.82M=
Reserves13€440k€447k▲
Non-distributable reserves130/1€37k€37k=
Legal reserve130€37k€37k=
Tax-exempt reserves132€27k€27k=
Distributable reserves133€375k€382k▲
Amounts payable17/49€3.79M€1.65M▼
Amounts payable after more than one year17€770k€1.17M▲
Financial debts170/4€770k€1.17M▲
Amounts payable within one year42/48€3.01M€471k▼
Current portion of amounts payable after more than one year42€75k€182k▲
Financial debts43€650k-
Credit institutions430/8€650k-
Trade debts44€888k€103k▼
Suppliers440/4€888k€103k▼
Advances received on contracts in progress46€1.22M-
Taxes, remuneration and social security45€7k€14k▲
Taxes450/3€7k€14k▲
Other amounts payable47/48€172k€172k=
Accrued charges and deferred income492/3€10k-
Income statement
Code20242025
Remuneration, social security and pensions62€463-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€110k€96k▼
Other operating charges640/8€8k€9k▲
Gross operating margin9900€284k€211k▼
Operating profit (loss)9901€165k€106k▼
Financial income75/76B€1€123▲
Recurring financial income75€1€123▲
Financial charges65/66B€101k€88k▼
Recurring financial charges65€101k€88k▼
Profit (loss) for the period before taxes9903€64k€18k▼
Income taxes67/77-€11k
Profit (loss) for the period9904€64k€7k▼
Profit (loss) for the period to be appropriated9905€64k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€7k▼
Transfer to equity691/2€64k€7k▼
To other reserves6921€64k€7k▼
The notes to these accounts (9 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
14-09
State Gazette act
Resignations & appointmentsGeneral meeting · Director reappointment · Permanent representative19 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director reappointment · Permanent representative19 facts ▸
- General meeting, 2025-01-02
- Director reappointment, VANLANGENAKER Roger (bestuurder)
- Director reappointment, VANLANGENAKER Erik (bestuurder)
- Director reappointment, VANLANGENAKER Marijke (bestuurder)
- Director reappointment, G.B.V. (bestuurder)
- Permanent representative, TOURNEL Diane
- Director appointment, VANLANGENAKER Bart (bijkomende bestuurder)
- Director discharge, VANLANGENAKER Roger
- Director discharge, VANLANGENAKER Erik
- Director discharge, VANLANGENAKER Marijke
- Director discharge, G.B.V.
- Board meeting, 2025-01-02
- +7 further facts in this act
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 2.75
Current ratio from 1.12 to 2.75; short-term debt falls from €3.01M to €471k.
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 55 days late
2024
02-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 94 days late
2023
31-12
Financial
Highest result since 2018net €123k ▲318%
Operating result €241k, net result €123k, both a record.
01-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 93 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Equity above €2MEq €3.65M ▲347%
2 profitable years in a row build equity to €3.65M.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 24 days late
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 92 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2025
This board is reconstructed from a single act (26361513). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
G.B.V.
CurrentDirector · since 01-01-2025 · Public limited company · perm. rep.: TOURNEL Diane
VANLANGENAKER Bart
CurrentBijkomende bestuurder · since 01-01-2025
VANLANGENAKER Erik
CurrentGedelegeerd bestuurder en bestuurder gelast met het dagelijks bestuur · since 01-01-2025
VANLANGENAKER Marijke
CurrentDirector · since 01-01-2025
VANLANGENAKER Roger
CurrentDirector · since 01-01-2025
02-01-2025
VANLANGENAKER Erik: Mandate renewed as Gedelegeerd bestuurder en bestuurder gelast met het dagelijks bestuur
01-01-2025
G.B.V.: Mandate renewed as Director
01-01-2025
VANLANGENAKER Bart: Appointed as Bijkomende bestuurder
01-01-2025
VANLANGENAKER Erik: Mandate renewed as Director
01-01-2025
VANLANGENAKER Marijke: Mandate renewed as Director
01-01-2025
VANLANGENAKER Roger: Mandate renewed as Director
Location & real-estate footprint
Registered office, Sint-Truiden · 1 establishment unit since 1984
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.
Planterijstraat 253803 Sint-TruidenGround area
5,734 m²
Parcel 71018A0213/00N000, Flanders. Linked by address, not a title deed.
1 establishment unit
Planterijstraat 25, 3803 Sint-Truiden
since 19842.025.337.531
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71018A0213/00N000 | Flanders | 5,734 m² | - | - |
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.
Structure & network
Ownership & control
1 partyControl over this companysits on this company's board1
1 subsidiary · 1 location
controls
VELMA FRUITBE 0426.330.341
Public money · subsidies and aid
Flemish government
2023 to 2025 · 6 entries · 293,758 EUR awarded · 293,758 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 105,002 EUR | 105,002 EUR |
| 2024 | 2 | 129,893 EUR | 129,893 EUR |
| 2023 | 2 | 58,863 EUR | 58,863 EUR |
Schemes
Brede weersverzekering
Subsidie voor de verwarringstechniek in de fruitteelt
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Truiden2.025.337.531
Similar companies · same sector, comparable size
G.B.V.
BE 0447.321.735
Sint-Truiden · Eq €3.96M
Aardbeienkwekerij Kenis
BE 0556.786.928
Hoogstraten · Eq €4.10M
KASTEEL VROENHOVEN
BE 0477.042.436
Lommel · Eq €4.17M
GBT
BE 0477.818.634
Nieuwerkerken (Limb.) · Eq €3.65M
FRANK BOEREN
BE 0874.586.840
Hoogstraten · Eq €4.19M
Of 1,345 companies in sector 01240 we hold annual accounts for 321. 142 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-06-1984
Fiscal year end31-12
Activities, NACEBEL
01130Growing of vegetables, melons, roots and tubers
01240Growing of pome and stone fruits
01121
46319Wholesale of fruit and vegetables, excluding potatoes
47210Retail sale of fruit and vegetables
51310
Sources
Crossroads Bank for EnterprisesNational Bank · 41 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.