BENJAMIN FRANSOLET
ActiveBENJAMIN FRANSOLET has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157k and a net result of €21k. Equity is shrinking by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 41% of 27446 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
69
/ 100
Healthy▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+33
Solvency59▲+7
Growth32=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.93 against 0.85 in 2024), and 60.9% 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+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 43
Relative position
BE, all sectors
reference
Sector 43
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
39.1%
Return on assets
5.2%
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 20-08-2026, 20 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
20 d late
2024
42 d early
2023
28 d late
2022
61 d early
2021
52 d early
2020
26 d early
2019
45 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€157k▲ 6.5%
2024 · €147k
2018: €223k
2019: €246k
2020: €255k
2021: €238k
2022: €197k
2023: €161k
2024: €147k
2018 → 2025
Total assets
€400k▼ 3.9%
2024 · €416k
2018: €402k
2019: €411k
2020: €424k
2021: €424k
2022: €422k
2023: €433k
2024: €416k
2018 → 2025
Net result
€21k▲ 115%
2024 · €10k
2018: €42k
2019: €24k
2020: €10k
2021: €4k
2022: €8k
2023: €6k
2024: €10k
2018 → 2025
Working capital
€-16k▲ 51.9%
2024 · €-34k
2018: €81k
2019: €102k
2020: €102k
2021: €92k
2022: €57k
2023: €-19k
2024: €-34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€238k-€197k▼ 17.3%€161k▼ 18.1%€147k▼ 9.0%€157k▲ 6.5%
Operating result€13k-€14k▲ 5.7%€16k▲ 16.0%€27k▲ 61.0%€42k▲ 56.8%
Net result€4k-€8k▲ 75.9%€6k▼ 19.1%€10k▲ 54.7%€21k▲ 115%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 57% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €400k
Fixed assets
€190k▼ 13.1%
Current assets
€210k▲ 6.3%
Equity and liabilities €400k
Equity
€157k▲ 6.5%
Debt
€243k▼ 9.5%
The debt ratio falls from 64.7% to 60.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€90k▲
2024 · €78k
Cash flow
€69k▲
2024 · €61k
Solvency
39.1%▲
2024 · 35.3%
Current ratio
0.93▲
2024 · 0.85
Quick ratio
0.60▲
2024 · 0.51
Debt / equity
1.56▼
2024 · 1.83
ROE
13.2%▲
2024 · 6.5%
ROA
5.2%▲
2024 · 2.3%
Interest coverage
6.90▼
2024 · 6.98
Debt
€243k▼
2024 · €269k
Debt ≤ 1 year
€226k▼
2024 · €231k
Debt > 1 year
€17k▼
2024 · €38k
Income taxes
€9k▲
2024 · €6k
Staff costs
€60k▼
2024 · €79k
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€416k€400k▼
Fixed assets21/28€218k€190k▼
Tangible fixed assets22/27€218k€190k▼
Plant, machinery and equipment23€41k€41k▲
Furniture and vehicles24€62k€46k▼
Other tangible fixed assets26€116k€102k▼
Current assets29/58€198k€210k▲
Stocks and contracts in progress3€80k€74k▼
Stocks30/36€80k€74k▼
Contracts in progress37-€0
Amounts receivable within one year40/41€69k€39k▼
Trade receivables40€47k€14k▼
Other amounts receivable41€22k€25k▲
Cash at bank and in hand54/58€41k€90k▲
Deferred charges and accrued income490/1€8k€8k▼
Equity and liabilities
Total equity and liabilities10/49€416k€400k▼
Equity10/15€147k€157k▲
Contributions10/11€22k€22k=
Reserves13€38k€49k▲
Distributable reserves133€38k€49k▲
Profit (loss) carried forward14€83k€83k▼
Investment grants15€4k€3k▼
Amounts payable17/49€269k€243k▼
Amounts payable after more than one year17€38k€17k▼
Financial debts170/4€38k€17k▼
Amounts payable within one year42/48€231k€226k▼
Current portion of amounts payable after more than one year42€24k€21k▼
Financial debts43€7k€34▼
Credit institutions430/8€1k€34▼
Other loans439€6k€0▼
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€19k€19k▼
Taxes450/3€10k€7k▼
Remuneration and social security454/9€10k€12k▲
Other amounts payable47/48€172k€180k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€79k€60k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€49k▼
Other operating charges640/8€4k€4k▼
Gross operating margin9900€161k€154k▼
Operating profit (loss)9901€27k€42k▲
Financial income75/76B€619€1k▲
Recurring financial income75€619€1k▲
Financial charges65/66B€11k€13k▲
Recurring financial charges65€11k€13k▲
Profit (loss) for the period before taxes9903€16k€30k▲
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€10k€21k▲
Profit (loss) for the period to be appropriated9905€10k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€93k€104k▲
Profit (loss) brought forward from the previous period14P€83k€83k=
Transfer from equity791/2€24k€10k▼
Transfer to equity691/2€10k€21k▲
To other reserves6921€10k€21k▲
Profit to be distributed694/7€24k€11k▼
Return on contributions (dividend)694€24k€11k▼
The notes to these accounts (10 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Equity above €150kEq €157k ▲6.5%
8 profitable years in a row build equity to €157k.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €4k ▼55.5%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
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, Lierneux · 1 establishment unit since 2011
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.
Le Chenay 194990 LierneuxGround area
597 m²
Building footprint
149 m²
Volume, LiDAR
1,042 m³
Parcel 63343B0051/00H000, Wallonia · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Le Chenay 19, 4990 Lierneux
since 20112.200.745.896
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63343B0051/00H000 | Wallonia | 597 m² | 1 · 149 m² | 11.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
648800DHI2RYN79MV370
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KEVIN LABBEKE
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B&L INVEST
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Of 22,740 companies in sector 43211 we hold annual accounts for 10,275. 8,520 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2000
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
60242
43120Site preparation
45112
46643Wholesale of electrical equipment, including installation materials
47540Retail sale of electrical household appliances
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.