FRAMALUX
ActiveSummary
FRAMALUX has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €251k and a net result of €5k. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 94% of 10407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 4.83 against 2.93 in 2024; short-term debt: 11.7% and cash: 4.8% of total assets), and 11.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
88.3%
Return on assets
1.8%
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 27-08-2026, 27 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
27 d late
2024
26 d late
2023
12 d late
2022
23 d late
2021
30 d late
2020
55 d late
2019
17 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€251k▲ 2.1%
2024 · €246k
2018: €162klowest in 8 years
2019: €164k▲ +1.1% vs 2018
2020: €192k▲ +17.4% vs 2019
2021: €207k▲ +7.4% vs 2020
2022: €215k▲ +4.1% vs 2021
2023: €240k▲ +11.7% vs 2022
2024: €246k▲ +2.5% vs 2023
2025: €251k▲ +2.1% vs 2024highest in 8 years
2018 → 2025
Total assets
€284k▼ 7.4%
2024 · €307k
2018: €292k
2019: €268k▼ -8.1% vs 2018
2020: €266k▼ -0.9% vs 2019lowest in 8 years
2021: €296k▲ +11.3% vs 2020
2022: €302k▲ +2.0% vs 2021
2023: €332k▲ +10.1% vs 2022highest in 8 years
2024: €307k▼ -7.5% vs 2023
2025: €284k▼ -7.4% vs 2024
2018 → 2025
Net result
€5k▼ 14.9%
2024 · €6k
2018: €752lowest in 8 years
2019: €2k▲ +137% vs 2018
2020: €28k▲ +1497% vs 2019highest in 8 years
2021: €14k▼ -50.3% vs 2020
2022: €8k▼ -40.0% vs 2021
2023: €25k▲ +197% vs 2022
2024: €6k▼ -76.4% vs 2023
2025: €5k▼ -14.9% vs 2024
2018 → 2025
Working capital
€127k▲ 34.4%
2024 · €95k
2018: €42k
2019: €38k▼ -10.0% vs 2018
2020: €44k▲ +15.3% vs 2019
2021: €32k▼ -25.8% vs 2020lowest in 8 years
2022: €59k▲ +80.7% vs 2021
2023: €65k▲ +10.8% vs 2022
2024: €95k▲ +45.5% vs 2023
2025: €127k▲ +34.4% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€207k-€215k▲ 4.1%€240k▲ 11.7%€246k▲ 2.5%€251k▲ 2.1%
2021: €207klowest in 5 years
2022: €215k▲ +4.1% vs 2021
2023: €240k▲ +11.7% vs 2022
2024: €246k▲ +2.5% vs 2023
2025: €251k▲ +2.1% vs 2024highest in 5 years
Operating result€20k-€7k▼ 64.5%€45k▲ 529%€-847€7k
2021: €20k
2022: €7k▼ -64.5% vs 2021
2023: €45k▲ +529% vs 2022highest in 5 years
2024: €-847▼ -102% vs 2023lowest in 5 years
2025: €7k▲ +909% vs 2024
Net result€14k-€8k▼ 40.0%€25k▲ 197%€6k▼ 76.4%€5k▼ 14.9%
2021: €14k
2022: €8k▼ -40.0% vs 2021
2023: €25k▲ +197% vs 2022highest in 5 years
2024: €6k▼ -76.4% vs 2023
2025: €5k▼ -14.9% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €847 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €284k
Fixed assets
€124k ▼ 24.1%
Current assets
€160k ▲ 11.6%
Equity and liabilities €284k
Equity
€251k ▲ 2.1%
Debt
€33k ▼ 45.6%
Debt's share of the balance-sheet total falls from 19.9% to 11.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▲
2024 · €40k
Cash flow
€50k▲
2024 · €47k
Current ratio
4.83▲
2024 · 2.93
Quick ratio
1.61▲
2024 · 0.68
Debt to equity
0.13▼
2024 · 0.25
ROE
2.0%▼
2024 · 2.4%
ROA
1.8%▼
2024 · 1.9%
Interest coverage
38.25▲
2024 · 19.35
Debt ≤ 1 year
€33k▼
2024 · €49k
Debt > 1 year
€0▼
2024 · €12k
Income taxes
€2k▲
2024 · €-7k
Staff costs
€0▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€307k€284k▼
Fixed assets21/28€164k€124k▼
Tangible fixed assets22/27€160k€120k▼
Land and buildings22€100k€84k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€56k€34k▼
Financial fixed assets28€4k€4k=
Current assets29/58€144k€160k▲
Stocks and contracts in progress3€110k€107k▼
Stocks30/36€110k€107k▼
Amounts receivable within one year40/41€21k€33k▲
Trade receivables40€12k€19k▲
Other amounts receivable41€9k€14k▲
Cash at bank and in hand54/58€10k€14k▲
Deferred charges and accrued income490/1€2k€7k▲
Equity and liabilities
Total equity and liabilities10/49€307k€284k▼
Equity10/15€246k€251k▲
Contributions10/11€74k€74k=
Capital10€74k€74k=
Issued capital100€74k€74k=
Reserves13€172k€177k▲
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€165k€170k▲
Amounts payable17/49€61k€33k▼
Amounts payable after more than one year17€12k€0▼
Financial debts170/4€12k€0▼
Trade debts175€0-
Amounts payable within one year42/48€49k€33k▼
Current portion of amounts payable after more than one year42€18k€12k▼
Financial debts43€2k€623▼
Other loans439€2k€623▼
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€462€1k▲
Taxes450/3€462€1k▲
Other amounts payable47/48€22k€15k▼
Accrued charges and deferred income492/3-€21
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€12k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€45k▲
Other operating charges640/8€13k€14k▲
Non-recurring operating charges66A-€256
Gross operating margin9900€66k€65k▼
Operating profit (loss)9901€-847€7k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-843€7k▲
Income taxes67/77€-7k€2k▲
Profit (loss) for the period9904€6k€5k▼
Profit (loss) for the period to be appropriated9905€6k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€5k▼
Transfer to equity691/2€6k€5k▼
To other reserves6921€6k€5k▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €22k | €0 | - | - |
| Remuneration, social security and pensions62 | - | €679 | - | €12k | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €29k | €36k | €31k | €41k | €45k | ▲ 7.7% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €111 | - | - | - | - | - |
| Other operating charges640/8 | €12k | €12k | €2k | €13k | €14k | ▲ 2.8% |
| Non-recurring operating charges66A | - | - | - | - | €256 | - |
| Gross operating margin9900 | €61k | €55k | €78k | €66k | €65k | ▼ 0.7% |
| Operating profit (loss)9901 | €20k | €7k | €45k | €-847 | €7k | ▲ 909% |
| Financial income75/76B | €2k | €2k | €1k | €2k | €2k | ▼ 25.2% |
| Recurring financial income75 | €2k | €2k | €1k | €2k | €2k | ▼ 25.2% |
| Financial charges65/66B | €690 | €1k | €1k | €2k | €1k | ▼ 35.8% |
| Recurring financial charges65 | €690 | €1k | €1k | €2k | €1k | ▼ 35.8% |
| Profit (loss) for the period before taxes9903 | €21k | €8k | €45k | €-843 | €7k | ▲ 939% |
| Income taxes67/77 | €7k | €-715 | €20k | €-7k | €2k | ▲ 130% |
| Profit (loss) for the period9904 | €14k | €8k | €25k | €6k | €5k | ▼ 14.9% |
| Profit (loss) for the period to be appropriated9905 | €14k | €8k | €25k | €6k | €5k | ▼ 14.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €296k | €302k | €332k | €307k | €284k | ▼ 7.4% |
| Fixed assets21/28 | €198k | €171k | €184k | €164k | €124k | ▼ 24.1% |
| Tangible fixed assets22/27 | €194k | €167k | €180k | €160k | €120k | ▼ 24.7% |
| Land and buildings22 | €120k | €107k | €94k | €100k | €84k | ▼ 15.7% |
| Plant, machinery and equipment23 | - | €4k | €5k | €4k | €2k | ▼ 42.4% |
| Furniture and vehicles24 | €73k | €56k | €81k | €56k | €34k | ▼ 39.6% |
| Financial fixed assets28 | €4k | €4k | €4k | €4k | €4k | = |
| Current assets29/58 | €98k | €130k | €148k | €144k | €160k | ▲ 11.6% |
| Stocks and contracts in progress3 | €75k | €103k | €107k | €110k | €107k | ▼ 3.3% |
| Stocks30/36 | €75k | €103k | €107k | €110k | €107k | ▼ 3.3% |
| Amounts receivable within one year40/41 | €16k | €22k | €22k | €21k | €33k | ▲ 55.1% |
| Trade receivables40 | €12k | €10k | €15k | €12k | €19k | ▲ 54.5% |
| Other amounts receivable41 | €4k | €12k | €7k | €9k | €14k | ▲ 55.8% |
| Cash at bank and in hand54/58 | €4k | €3k | €17k | €10k | €14k | ▲ 40.6% |
| Deferred charges and accrued income490/1 | €3k | €3k | €2k | €2k | €7k | ▲ 212% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €296k | €302k | €332k | €307k | €284k | ▼ 7.4% |
| Equity10/15 | €207k | €215k | €240k | €246k | €251k | ▲ 2.1% |
| Contributions10/11 | €74k | €74k | €74k | €74k | €74k | = |
| Capital10 | €74k | €74k | €74k | €74k | €74k | = |
| Issued capital100 | €74k | €74k | €74k | €74k | €74k | = |
| Reserves13 | €133k | €141k | €166k | €172k | €177k | ▲ 2.9% |
| Non-distributable reserves130/1 | €7k | €7k | €7k | €7k | €7k | = |
| Legal reserve130 | €7k | €7k | €7k | €7k | €7k | = |
| Distributable reserves133 | €125k | €134k | €159k | €165k | €170k | ▲ 3.1% |
| Amounts payable17/49 | €89k | €87k | €92k | €61k | €33k | ▼ 45.6% |
| Amounts payable after more than one year17 | €24k | €15k | €9k | €12k | €0 | ▼ 100% |
| Financial debts170/4 | €3k | - | - | €12k | €0 | ▼ 100% |
| Trade debts175 | €21k | €15k | €9k | €0 | - | - |
| Amounts payable within one year42/48 | €65k | €72k | €83k | €49k | €33k | ▼ 32.4% |
| Current portion of amounts payable after more than one year42 | €12k | €12k | €24k | €18k | €12k | ▼ 33.3% |
| Financial debts43 | - | €11k | - | €2k | €623 | ▼ 74.5% |
| Credit institutions430/8 | - | €11k | - | - | - | - |
| Other loans439 | - | - | - | €2k | €623 | ▼ 74.5% |
| Trade debts44 | €6k | €7k | €21k | €6k | €5k | ▼ 22.7% |
| Suppliers440/4 | €6k | €7k | €21k | €6k | €5k | ▼ 22.7% |
| Taxes, remuneration and social security45 | €26 | €1k | €5k | €462 | €1k | ▲ 164% |
| Taxes450/3 | €26 | €1k | €5k | €462 | €1k | ▲ 164% |
| Other amounts payable47/48 | €47k | €40k | €33k | €22k | €15k | ▼ 33.8% |
| Accrued charges and deferred income492/3 | - | - | - | - | €21 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14k | €8k | €25k | €6k | €5k | ▼ 14.9% |
| + Depreciation and write-downs630 | €29k | €36k | €31k | €41k | €45k | ▲ 7.7% |
| Operating cash flow (approximation) | €43k | €44k | €56k | €47k | €50k | ▲ 4.9% |
| Investment in fixed assets (approximation) | - | €-9k | €-44k | €-21k | €-5k | ▲ 75.6% |
| Change in cash | - | €-1k | €15k | €-8k | €4k | ▲ 152% |
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
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Equity above €200kEq €207k ▲7.4%
4 profitable years in a row build equity to €207k.
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 55 days late
2020
31-12
Financial
Highest result since 2018net €28k ▲1,497%
Net result €28k, the highest in the series.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 17 days late
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
10-06
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 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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, Aarschot · 1 establishment unit since 1990
Ground area
6,962 m²
Building footprint
1,902 m²
Volume, LiDAR
10,751 m³
2 parcels, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FRAMALUX NV
since 19902.048.748.183
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24092C0184/00T000 | Flanders | 4,341 m² | 1 · 1,797 m² | 7.5 m · 2 fl. |
| 24092C0180/00K002 | Flanders | 2,621 m² | 1 · 105 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAarschot2.048.748.183
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Of 3,386 companies in sector 47761 we hold annual accounts for 1,156. 905 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded21-05-1990
Fiscal year end31-12
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
81300Landscape service activities
Scores and ratios are computed by Checked and are not a credit decision.