Equity
€95,405 ▲ 1.9%
FRAL has made a profit without a break since 2023.
FRAL
Lifetime
10 annual accounts with figures on one time axispeak €64,593 (2023)
€55,064▲ 6.9%
lowest -€22,516 (2018)
€1,786▲ 294%
peak €103,597 (2016)
€95,405▲ 1.9%
€65,130▼ 14.3%
peak 1.2 FTE (2017)
-not published
Board2 names since 2019
1 directorFlorian JACQUES
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Result from €453 to €1,786Cash from €13,326 to €1,799
Key points
from the 2025 annual accountsChecked score
68
Healthy
Financially stronger than 41% of micro companies in office administrative support (NACE 82)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.8%
01-2025: 0.8%● unchanged vs 12-2024
02-2025: 0.8%● unchanged vs 01-2025
03-2025: 0.8%● unchanged vs 02-2025
04-2025: 0.8%● unchanged vs 03-2025
05-2025: 0.8%● unchanged vs 04-2025
06-2025: 0.8%● unchanged vs 05-2025
07-2025: 0.8%● unchanged vs 06-2025
08-2025: 1.0%▲ +0.2 percentage points vs 07-2025highest value
09-2025: 0.5%▼ -0.5 percentage points vs 08-2025
10-2025: 0.5%● unchanged vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026
04-2026: 0.5%● unchanged vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.4%▼ -0.1 percentage points vs 05-2026lowest value
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.7%▲ +0.3 percentage points vs 07-2026
09-2026: 0.7%● unchanged vs 08-2026
10-2026: 0.7%● unchanged vs 09-2026
11-2026: 0.7%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 31 days late; 2 of the last 3 accounts late
Liquidity: current ratio 0.65, cash €1,799, halved
lowers risk
Sector: Office administrative, office support and other business support activities (NACE 82)
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 82, micro). It does better than 59% of them on solvency, 23% on liquidity, 39% on profitability and 44% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 10,904 companies had the same profile as FRAL has now. Each dot stands for 28 companies, two years later.
95.2%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of FRAL itself: 0.7% within 12 months.
Test of the method
The method was tested on the 497,447 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 10,904 companies, not a prediction for FRAL. 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.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.65 (0.77 in 2024), below 1. Short-term debt is 31.1% and cash 1.1% of total assets. 40.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Four signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
14 days late
2023
61 days late
2022
61 days late
2021
50 days late
2020
90 days late
2019
133 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 63 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 September (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0644914101
Reappointment: Florian JACQUES (director)
Gazette deed
Resignation: Sven DUPONT (manager)
General meeting of 01-04-2019 · Gazette deed
Incorporation
published on 30-12-2015 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FRAL Seneffe | €160,535 | €55,064 | 59.4% | - |
| ROLMANN Morlanwelz | €137,337 | €50,599 | 79.4% | - |
| VD TARIFICATION TIERS PAYANT Tournai | €204,159 | €55,288 | 27.8% | - |
| VALERIE POURTOIS Anderlues | €140,778 | €69,126 | 68.0% | - |
| Aba Invest Nijlen | €177,203 | €57,792 | 54.2% | - |
| BEMEDEX Dilsen-Stokkem | €153,207 | €61,400 | 80.5% | - |
| Knowledge Hub Bruges | €170,951 | €46,134 | 36.2% | 0.8 |
These companies have the same main activity as FRAL: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €137,000 and €204,000, founded between 2014 and 2016.
Official details
Source: KBO- Status
- Active since 28-12-2015Normal situation
- Activity
- Office administrative and support servicesNACE 82100and 1 other
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2022
- Establishment unit
- 2.251.195.6957180 Seneffe, since 28-12-2015
- Financial year end
- 31 December
- Peppol
- Reachable since 11-11-2025
Insights on FRAL
FRAL files the micro format. That format states no turnover. The gross margin rose from €48,885 in 2016 to €55,064 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FRAL
- What is the company number of FRAL?
- The company number of FRAL is 0644.914.101. The VAT number is the same number with BE in front: BE 0644.914.101.
- Where is FRAL based?
- The registered office is at Avenue Reine Astrid 269, 7180 Seneffe.Company details
- What does FRAL do?
- According to the KBO register, the main activity is office administrative and support services (NACE 82100).
- What is the legal form of FRAL?
- FRAL is a private limited company (BV).
- When was FRAL founded?
- FRAL was founded on 28-12-2015.
- Is FRAL still active?
- Yes, FRAL is an active enterprise in the KBO register.
- How many employees does FRAL have?
- FRAL had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does FRAL fall under?
- In its 2022 annual accounts, FRAL states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of FRAL?
- The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €55,064 and 36 comparable companies (NACE 82). It probably lies between €91,000 and €160,000.
- Is FRAL profitable?
- In financial year 2025, FRAL made a profit of €1,786.
- Where can I find the annual accounts of FRAL?
- FRAL filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FRAL due?
- FRAL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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