BJORK-FRAMES
ActiveSummary
The computed 12-month bankruptcy probability of BJORK-FRAMES is 4.7% (elevated). The 2024 annual accounts show equity of €22,975 and a net result of -€10,785. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 3 accounts on average 24 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
History
Go further with this company
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, abbreviated schema
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Peer companies
Historical observationOf the 3,592 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 87% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 4.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,592 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €49,843 | €52,032 | ▲ 4.4% |
| Other operating charges640/8 | €509 | €836 | ▲ 64.2% |
| Gross operating margin9900 | €59,288 | €44,153 | ▼ 25.5% |
| Operating profit (loss)9901 | €8,936 | -€8,716 | ▼ 198% |
| Financial income75/76B | - | €1,483 | - |
| Recurring financial income75 | - | €1,483 | - |
| Financial charges65/66B | €687 | €1,257 | ▲ 82.9% |
| Recurring financial charges65 | €687 | €1,257 | ▲ 82.9% |
| Profit (loss) for the period before taxes9903 | €8,249 | -€8,490 | ▼ 203% |
| Income taxes67/77 | €763 | €2,295 | ▲ 201% |
| Profit (loss) for the period9904 | €7,486 | -€10,785 | ▼ 244% |
| Profit (loss) for the period to be appropriated9905 | €7,486 | -€10,785 | ▼ 244% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €91,596 | €69,077 | ▼ 24.6% |
| Fixed assets21/28 | €205 | €205 | = |
| Financial fixed assets28 | €205 | €205 | = |
| Current assets29/58 | €91,391 | €68,872 | ▼ 24.6% |
| Amounts receivable after more than one year29 | €36,667 | - | - |
| Other amounts receivable291 | €36,667 | - | - |
| Stocks and contracts in progress3 | €5,000 | €5,000 | = |
| Stocks30/36 | €5,000 | €5,000 | = |
| Amounts receivable within one year40/41 | €49,723 | €63,872 | ▲ 28.5% |
| Trade receivables40 | €26,062 | €60,525 | ▲ 132% |
| Other amounts receivable41 | €23,661 | €3,347 | ▼ 85.9% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €91,596 | €69,077 | ▼ 24.6% |
| Equity10/15 | €33,760 | €22,975 | ▼ 31.9% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Capital10 | €5,000 | €5,000 | = |
| Issued capital100 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | €28,760 | €17,975 | ▼ 37.5% |
| Amounts payable17/49 | €57,835 | €46,102 | ▼ 20.3% |
| Amounts payable within one year42/48 | €57,835 | €46,102 | ▼ 20.3% |
| Financial debts43 | €1,589 | €1,950 | ▲ 22.7% |
| Credit institutions430/8 | €1,589 | €1,950 | ▲ 22.7% |
| Trade debts44 | €38,018 | €29,306 | ▼ 22.9% |
| Suppliers440/4 | €38,018 | €29,306 | ▼ 22.9% |
| Taxes, remuneration and social security45 | €18,228 | €14,846 | ▼ 18.6% |
| Taxes450/3 | €9,478 | €8,441 | ▼ 10.9% |
| Remuneration and social security454/9 | €8,751 | €6,405 | ▼ 26.8% |
| Line | 2023 | 2024 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €7,486 | -€10,785 | ▼ 244% |
| Operating cash flow (approximation) | €7,486 | -€10,785 | ▼ 244% |
| Investment in fixed assets (approximation) | - | €0 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Directors · office · real estate
1 establishment unit
2 parcels
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H0880/00Y002 | Brussels | 417 m² | 1 · 418 m² | 28.5 m · 6 fl. |
| 21616A0121/00W002 | Brussels | 205 m² | 1 · 108 m² | 16.0 m · 4 fl. |
Linked by address, not proof of ownership
Similar companies · same sector, comparable size
Identification & contact
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.