BE Frame
ActiveSummary
BE Frame has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49,032 and a net result of €21,145. Equity has been growing by about 57% per year since 2023. Its solvency ranks better than 86% of 34,946 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 25-09-2022 Normal situation
- Activity
- Other construction installation NACE 43240and 1 other
- Establishment unit
- 2.336.282.117 3640 Kinrooi, since 25-09-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 18-11-2025
Board and ownership
- CLAESSENS MichaelDirector · since 25-09-2022
- JEF PONSENDirector · since 25-09-2022
- JEF PONSEN50%· score 862025 annual accounts of JEF PONSEN
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €31,304
- ▲ 108%
- Turnover
- ≈ €170,000
- estimated
- Profit
- €21,145
- ▲ 102%
- Equity
- €49,032
- ▲ 75.8%
- Total assets
- €60,819
- ▲ 45.9%
Score breakdownraises riskFounded in 2022Size: total assets €60,819lowers riskLiquidity: current ratio 5.04, cash €51,960Equity €49,032 (80.6% of total assets)Show the evidence
Checked score
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 90% of them on solvency, 92% on liquidity, 92% on profitability and 88% on growth.
The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 3 accounts on average 20 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 30-07-2026 at the NBB all 3 filings
2023 to 2025, 3 financial years
The operating result for 2025 is 97% higher than in 2024 and the highest since 2023. It is a recovery after the fall in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Specialised construction activities (NACE 43). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | - | - | €6,880 |
| Depreciation and write-downs of the year | - | - | €1,720 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €1,720 | - |
| Other operating charges640/8 | €152 | €157 | €258 | ▲ 64.5% |
| Gross operating margin9900 | €22,934 | €15,053 | €31,304 | ▲ 108% |
| Operating profit (loss)9901 | €22,782 | €14,896 | €29,326 | ▲ 96.9% |
| Financial income75/76B | €86 | €1 | €6 | ▲ 619% |
| Recurring financial income75 | €86 | €1 | €6 | ▲ 619% |
| Financial charges65/66B | €293 | €501 | €355 | ▼ 29.1% |
| Recurring financial charges65 | €293 | €501 | €355 | ▼ 29.1% |
| Profit (loss) for the period before taxes9903 | €22,574 | €14,396 | €28,976 | ▲ 101% |
| Income taxes67/77 | €6,157 | €3,926 | €7,832 | ▲ 99.5% |
| Profit (loss) for the period9904 | €16,418 | €10,470 | €21,145 | ▲ 102% |
| Profit (loss) for the period to be appropriated9905 | €16,418 | €10,470 | €21,145 | ▲ 102% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €23,574 | €41,680 | €60,819 | ▲ 45.9% |
| Fixed assets21/28 | - | - | €5,160 | - |
| Tangible fixed assets22/27 | - | - | €5,160 | - |
| Furniture and vehicles24 | - | - | €5,160 | - |
| Current assets29/58 | €23,574 | €41,680 | €55,659 | ▲ 33.5% |
| Amounts receivable within one year40/41 | €4,665 | €1,905 | €3,699 | ▲ 94.2% |
| Trade receivables40 | €2,873 | €1,905 | €3,699 | ▲ 94.2% |
| Other amounts receivable41 | €1,792 | - | - | - |
| Cash at bank and in hand54/58 | €18,910 | €39,775 | €51,960 | ▲ 30.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €23,574 | €41,680 | €60,819 | ▲ 45.9% |
| Equity10/15 | €17,418 | €27,887 | €49,032 | ▲ 75.8% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €16,418 | €26,887 | €48,032 | ▲ 78.6% |
| Distributable reserves133 | €16,418 | €26,887 | €48,032 | ▲ 78.6% |
| Amounts payable17/49 | €6,157 | €13,792 | €11,787 | ▼ 14.5% |
| Amounts payable within one year42/48 | €6,157 | €13,042 | €11,037 | ▼ 15.4% |
| Trade debts44 | - | - | €1,160 | - |
| Suppliers440/4 | - | - | €1,160 | - |
| Taxes, remuneration and social security45 | €6,157 | €12,732 | €9,098 | ▼ 28.5% |
| Taxes450/3 | €6,157 | €12,732 | €9,098 | ▼ 28.5% |
| Other amounts payable47/48 | - | €310 | €779 | ▲ 151% |
| Accrued charges and deferred income492/3 | - | €750 | €750 | = |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,418 | €10,470 | €21,145 | ▲ 102% |
| + Depreciation and write-downs630 | - | - | €1,720 | - |
| Operating cash flow (approximation) | €16,418 | €10,470 | €22,865 | ▲ 118% |
| Change in cash | - | €20,865 | €12,185 | ▼ 41.6% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as BE Frame has now. Two years later, 95.9% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
The bankruptcy probability of BE Frame itself is lower: 0.1% within 12 months. It rests on far more data about BE Frame than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for BE Frame. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
1 ownerOwners 1
- Sourceaccounts JEF PONSEN 2025Equity €6.0m Profit of €8,393 in 2025 (profit of €55,892 in 2024) Checked score 8650%
Capital transactions
- JEF PONSEN (BE 0836.504.046) 50 shares (50%)
- CLAESSENS Michael 50 shares (50%)
- 28-09-2022 Incorporation · €1,000 · 100 shares
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| CLAESSENS Michael |
|
| JEF PONSEN |
|
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “2”“1, algemene vergadering”
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Één of meerdere vereffenaars aanduiden,bevoegdheden omlijnen,vergoeding bepalen, na aanzuivering schulden,lasten,kosten of consignatie en na…”
Articles of association, deed of 28-09-2022 (in Dutch)
Network & group
Connections & network
3 connected companiesTimeline
Acts, filings and financial milestones
28-09
Gazette deed
IncorporationStarting capital €1,000 · Appointments: JEF PONSEN (director) and CLAESSENS Michael (director) · Permanent representative: Ponsen Jef · Registered office clause10 points ▸
- Registered office clause, “3640 Kinrooi (Ophoven),’t Meulke 13” (deed in Dutch)
- Director appointment, JEF PONSEN (director (not named in the articles))
- Director appointment, CLAESSENS Michael (director (not named in the articles))
- Permanent representative, Ponsen Jef
- Other provision, “website-emailadres” (deed in Dutch)
- Incorporation, 23-09-2022
- Founder, JEF PONSEN
- Founder, CLAESSENS Michael
- Founding capital, “euro 1.000” (deed in Dutch)
- Bank account, “bijzondere rekening, vennootschap in oprichting” (deed in Dutch)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
17 activities
- Montage van buiten- en binnenschrijnwerk van hout of van kunststof: deuren, vensters, kozijnen, trappen, muurkasten, inbouwkeukens, winkelinrichtingen, enzovoort;
- Montage van buiten- en binnenschrijnwerk in metaal: deuren, vensters, kozijnen, trappen, muurkasten, inbouwkeukens, winkelinrichtingen, enzovoort;
- Overige bouwinstallatie;
- Installatie van al dan niet verplaatsbare tussenwanden, bekleding van wanden, plafonds, enzovoort in hout of kunststof;
- Installatie van al dan niet verplaatsbare tussenwanden, de bekleding van wanden, plafonds, enzovoort, in metaal;
- Installatie van garagepoorten, luiken, zonneblinden, traliewerk, hekken, enzovoort, in hout of kunststof;
- Installatie van garagepoorten, luiken, zonneblinden, traliewerk, hekken, enzovoort, in metaal;
- Installatie van geblindeerde deuren en brandwerende deuren in hout of kunststof;
- Installatie van geblindeerde deuren en brandwerende deuren in metaal;
- Groothandel in schrijnwerk, anders dan hout;
- Groothandel in schrijn- en timmerwerk van hout voor de bouwnijverheid;
- Bouwmarkten en andere doe-het-zelfzaken in bouwmaterialen, algemeen assortiment;
- Handel in eigen onroerend goed: flatgebouwen en woningen niet voor bewoning bestemde gebouwen, grond;
- Verhuur van niet-residentiële gebouwen zoals kantoorgebouwen, handelspanden, tentoonstellingsruimtes, enzovoort;
- Verlenen van advies en praktische hulp aan de bedrijven in verband met public relations en communicatie;
- Verlenen van adviezen en hulp aan het bedrijfsleven en de overheid op het gebied van planning, organisatie, efficiëntie en toezicht, het verschaffen van informatie aan de bedrijfsleiding, enzovoort;
- Berekenen van de kosten en baten van de voorgestelde maatregelen op het gebied van planning, organisatie, efficiëntie, enzovoort;
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0791.361.434
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 72026A1228/00D000 | Flanders | 1,362 m² | 1 · 115 m² | 8.5 m · 2 |