Summary
FRALOMA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €743,601 and a net result of €52,989. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 60% of 8211 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
What stands out
Overview
0 of 9 deeds readAccounts 36 d earlyTurnover not published (abridged schema)Financial institution: outside the modelProbability: sector outside the model
SignalsLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
85 d early
2023
1 d late
2022
21 d late
2021
30 d late
2020
25 d late
2019
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 3 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 2 August (4 of the last 5 filed years within 38 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet €52,989 ▼61.1%
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €1.2mProfit €52,989Solvency 63.7%Liquidity 0.81
Total assets
€1.2m▼ 12.2%
2018 - 2025
Net result
€52,989▼ 61.1%
2018 - 2025
Equity
€743,601▲ 7.7%
2018 - 2025
Staff (FTE)
1.2▼ 63.6%
2018 - 2019
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
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 64, Financial service activities, except insurance and pension funding, 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).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€0.2m▼ 14.4%€0.1m▼ 26.7%€0.2m▲ 45.1%€0.2m▼ 18.0%€0.08m▼ 50.1%
Net result€0.1mabove the sector's middle half▼ 19.6%€0.08mabove the sector's middle half▼ 33.6%€0.09mabove the sector's middle half▲ 16.0%€0.1mabove the sector's middle half▲ 49.2%€0.05mwithin the sector's middle half▼ 61.1%
Equity€0.7mabove the sector's middle half▼ 1.4%€0.7mabove the sector's middle half▲ 2.8%€0.7mabove the sector's middle half▼ 2.5%€0.7mabove the sector's middle half▼ 5.2%€0.7mabove the sector's middle half▲ 7.7%
Total assets€2.3mabove the sector's middle half▲ 3.5%€2.2mabove the sector's middle half▼ 2.3%€2.2mabove the sector's middle half▼ 0.1%€1.3mabove the sector's middle half▼ 39.6%€1.2mabove the sector's middle half▼ 12.2%
Debt€1.5m▲ 6.0%€1.5m▼ 4.7%€1.5m▲ 1.2%€0.6m▼ 56.7%€0.4m▼ 33.8%
Working capital-€0.05mbelow the sector's middle half€0.02mwithin the sector's middle half-€0.04mbelow the sector's middle half-€0.09mbelow the sector's middle half▼ 117%-€0.02mwithin the sector's middle half▲ 76.9%
Solvency32.3%within the sector's middle half▼ 1.6pp33.9%within the sector's middle half▲ 1.7pp33.1%within the sector's middle half▼ 0.8pp51.9%within the sector's middle half▲ 18.9pp63.7%within the sector's middle half▲ 11.8pp
Current ratio0.78within the sector's middle half▼ 0.571.12within the sector's middle half▲ 0.340.80within the sector's middle half▼ 0.320.68below the sector's middle half▼ 0.120.81within the sector's middle half▲ 0.14
Return on assets (ROA)5.3%within the sector's middle half▼ 1.5pp3.6%within the sector's middle half▼ 1.7pp4.1%within the sector's middle half▲ 0.6pp10.2%within the sector's middle half▲ 6.1pp4.5%within the sector's middle half▼ 5.7pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 50% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€1.1m ▼ 5.6%
Current assets
€91,751 ▼ 51.9%
Equity and liabilities €1.2m
Equity
€743,601 ▲ 7.7%
Debt
€423,443 ▼ 33.8%
Debt's share of the balance-sheet total falls from 48.1% to 36.3%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
ROE
7.1%▼
2024 · 19.7%
Debt ≤ 1 year
€112,772▼
2024 · €281,729
Debt > 1 year
€303,545▼
2024 · €354,699
Income taxes
€22,433▼
2024 · €40,210
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €48,761 | €0 | - | €3,506 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €60,793 | €59,562 | €104,931 | €45,886 | €34,099 | ▼ 25.7% |
| Other operating charges640/8 | €7,265 | €6,978 | €11,040 | €11,120 | €6,076 | ▼ 45.4% |
| Non-recurring operating charges66A | €11,114 | €0 | - | €1,701 | €15,154 | ▲ 791% |
| Gross operating margin9900 | €271,720 | €207,675 | €320,699 | €226,633 | €139,162 | ▼ 38.6% |
| Operating profit (loss)9901 | €192,547 | €141,135 | €204,728 | €167,925 | €83,834 | ▼ 50.1% |
| Financial income75/76B | €957 | €0 | €1,931 | €64,474 | €3,018 | ▼ 95.3% |
| Recurring financial income75 | €957 | €0 | €1,931 | €64,474 | €3,018 | ▼ 95.3% |
| Financial charges65/66B | €24,328 | €29,876 | €35,615 | €55,917 | €11,430 | ▼ 79.6% |
| Recurring financial charges65 | €24,328 | €29,876 | €35,615 | €55,917 | €11,430 | ▼ 79.6% |
| Profit (loss) for the period before taxes9903 | €169,176 | €111,259 | €171,044 | €176,483 | €75,422 | ▼ 57.3% |
| Income taxes67/77 | €50,536 | €32,539 | €79,720 | €40,210 | €22,433 | ▼ 44.2% |
| Profit (loss) for the period9904 | €118,640 | €78,720 | €91,324 | €136,273 | €52,989 | ▼ 61.1% |
| Profit (loss) for the period to be appropriated9905 | €118,640 | €78,720 | €91,324 | €136,273 | €52,989 | ▼ 61.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.3m | €2.2m | €2.2m | €1.3m | €1.2m | ▼ 12.2% |
| Fixed assets21/28 | €2.1m | €2.1m | €2.0m | €1.1m | €1.1m | ▼ 5.6% |
| Tangible fixed assets22/27 | €2.1m | €2.0m | €2.0m | €1.1m | €1.1m | ▼ 5.6% |
| Land and buildings22 | €2.1m | €2.0m | €2.0m | €1.1m | €1.1m | ▼ 1.6% |
| Plant, machinery and equipment23 | €0.004m | €0.001m | €0 | €0.01m | €0.01m | ▲ 23.3% |
| Furniture and vehicles24 | €0.006m | €0.01m | €0.07m | €0.05m | €0.004m | ▼ 93.3% |
| Financial fixed assets28 | €0.006m | €0.006m | €0.006m | €0.005m | €0.005m | = |
| Current assets29/58 | €0.2m | €0.1m | €0.2m | €0.2m | €0.09m | ▼ 51.9% |
| Amounts receivable within one year40/41 | €0.2m | €0.1m | €0.1m | €0.1m | €0.05m | ▼ 53.9% |
| Trade receivables40 | €0.1m | €0.07m | €0.03m | €0 | - | - |
| Other amounts receivable41 | €0.01m | €0.04m | €0.09m | €0.1m | €0.05m | ▼ 53.9% |
| Current investments50/53 | €0 | €0.02m | €0.04m | €0 | €10 | ▲ 32,867% |
| Cash at bank and in hand54/58 | €0.01m | €0.01m | €0.01m | €0.07m | €0.02m | ▼ 73.3% |
| Deferred charges and accrued income490/1 | €0.002m | €0.001m | €0.002m | €0.004m | €0.02m | ▲ 339% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.3m | €2.2m | €2.2m | €1.3m | €1.2m | ▼ 12.2% |
| Equity10/15 | €0.7m | €0.7m | €0.7m | €0.7m | €0.7m | ▲ 7.7% |
| Contributions10/11 | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Revaluation surpluses12 | €0.008m | €0.008m | €0.008m | €0.008m | €0.008m | = |
| Reserves13 | €0.7m | €0.7m | €0.7m | €0.7m | €0.7m | ▲ 8.0% |
| Non-distributable reserves130/1 | €0.002m | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Reserves not available under the articles1311 | €0.002m | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Tax-exempt reserves132 | €0.09m | €0.09m | €0 | - | - | - |
| Distributable reserves133 | €0.6m | €0.6m | €0.7m | €0.7m | €0.7m | ▲ 8.0% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €1.5m | €1.5m | €1.5m | €0.6m | €0.4m | ▼ 33.8% |
| Amounts payable after more than one year17 | €1.3m | €1.3m | €1.3m | €0.4m | €0.3m | ▼ 14.4% |
| Financial debts170/4 | €1.3m | €1.3m | €1.3m | €0.4m | €0.3m | ▼ 14.4% |
| Amounts payable within one year42/48 | €0.2m | €0.1m | €0.2m | €0.3m | €0.1m | ▼ 60.0% |
| Current portion of amounts payable after more than one year42 | €0.1m | €0.1m | €0.1m | €0.03m | €0.02m | ▼ 39.1% |
| Financial debts43 | €10 | €0.02m | €0.02m | €0.01m | €0 | ▼ 100% |
| Credit institutions430/8 | €10 | €0.02m | €0.02m | €0.01m | €0 | ▼ 100% |
| Trade debts44 | €0.002m | €0 | €0.005m | €0.001m | €0.004m | ▲ 269% |
| Suppliers440/4 | €0.002m | €0 | €0.005m | €0.001m | €0.004m | ▲ 269% |
| Taxes, remuneration and social security45 | €0.02m | €0 | €0.02m | €0.02m | €0.02m | ▲ 26.8% |
| Taxes450/3 | €0.02m | €0 | €0.02m | €0.02m | €0.02m | ▲ 26.8% |
| Other amounts payable47/48 | €0.08m | €0.02m | €0.05m | €0.2m | €0.06m | ▼ 70.3% |
| Accrued charges and deferred income492/3 | - | - | - | €0.003m | €0.007m | ▲ 153% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €118,640 | €78,720 | €91,324 | €136,273 | €52,989 | ▼ 61.1% |
| + Depreciation and write-downs630 | €60,793 | €59,562 | €104,931 | €45,886 | €34,099 | ▼ 25.7% |
| Operating cash flow (approximation) | €179,433 | €138,282 | €196,255 | €182,159 | €87,088 | ▼ 52.2% |
| Investment in fixed assets (approximation) | - | -€33,389 | -€87,432 | €853,404 | €29,590 | ▼ 96.5% |
| Change in cash | - | -€3,163 | €1,538 | €60,912 | -€52,802 | ▼ 187% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
DOVER
BE 0471.948.253
Zutendaal · Eq €743,493
KOWIJN
BE 0832.483.197
Antwerpen · Eq €743,889
Van Hecke Invest Group
BE 0739.681.517
Gent · Eq €744,148
PAGNAERT
BE 0440.850.251
Maldegem · Eq €744,725
ELIFIN
BE 0871.828.278
Grimbergen · Eq €744,736
Of 24,721 companies in this sector we hold annual accounts for 19,804. 13,257 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
1 holding
Directors
Directors
No directors read yet: 0 of 9 Gazette acts processed. See the function holders in the CBE →
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 1
-
25%
According to the 2024 annual accounts of FRALOMA and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No directors read yet: 0 of 9 Gazette acts processed.
Timeline
13 eventsLatest 25-06-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €52,989 ▼61.1%
Net result drops to €52,989, the lowest in the series.
07-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Highest result since 2018net €263,476 ▲139%
Operating result €376,609, net result €263,476, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.30
Current ratio from 1.62 to 4.30; short-term debt falls from €185,469 to €136,074.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 64 days late
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Support & recognitions
1 register with a recognitionLEI lapsed
LEI
not active
699400P2M0Z05FRRIY42
Recognitions · licences · registrations
Legal Entity Identifier
699400P2M0Z05FRRIY42
Company details
Private limited company · founded 12-01-2006Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded12-01-2006
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0878561464
Also
9925:BE0878561464
Registered
09-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2017
Ground area
230 m²
Building footprint
145 m²
Volume, LiDAR
3,772 m³
Parcel 44804D2559/00K004, Flanders · tallest building 28.4 m, ±9 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Franklin Rooseveltlaan 123, 9000 Gent
since 2017unit no. 2.298.482.306
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D2559/00K004 | Flanders | 230 m² | 1 · 145 m² | 28.4 m · 9 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
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.