FRAMBER
ActiveFRAMBER has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72k and a net result of €7k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 84% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-2
Solvency100▲+13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 7.14 against 2.66 in 2024; short-term debt: 13.6% and cash: 0.1% of total assets), and 13.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
86.4%
Return on assets
8.2%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
12 d late
2023
28 d late
2022
30 d late
2021
61 d late
2020
24 d late
2019
69 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€72k▲ 10.4%
2024 · €65k
2018: €25k
2019: €27k
2020: €30k
2021: €30k
2022: €51k
2023: €55k
2024: €65k
2018 → 2025
Total assets
€83k▼ 20.3%
2024 · €104k
2018: €86k
2019: €71k
2020: €86k
2021: €162k
2022: €103k
2023: €112k
2024: €104k
2018 → 2025
Net result
€7k▼ 35.9%
2024 · €11k
2018: €36k
2019: €2k
2020: €3k
2021: €182
2022: €21k
2023: €4k
2024: €11k
2018 → 2025
Working capital
€69k▲ 6.3%
2024 · €65k
2018: €17k
2019: €21k
2020: €25k
2021: €28k
2022: €50k
2023: €56k
2024: €65k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€51k▲ 68.0%€55k▲ 7.2%€65k▲ 19.5%€72k▲ 10.4%
Operating result€-5k-€22k€2k▼ 90.9%€11k▲ 433%€7k▼ 30.4%
Net result€182-€21k▲ 11,214%€4k▼ 82.2%€11k▲ 189%€7k▼ 35.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€3k
Current assets
€81k
Equity and liabilities €83k
Equity
€72k▲ 10.4%
Debt
€11k▼ 71.2%
The debt ratio falls from 37.6% to 13.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▼
2024 · €11k
Cash flow
€7k▼
2024 · €11k
Solvency
86.4%▲
2024 · 62.4%
Current ratio
7.14▲
2024 · 2.66
Quick ratio
7.14▲
2024 · 2.66
Debt / equity
0.16▼
2024 · 0.60
ROE
9.4%▼
2024 · 16.3%
ROA
8.2%▼
2024 · 10.2%
Interest coverage
23.59▼
2024 · 28.48
Debt
€11k▼
2024 · €39k
Debt ≤ 1 year
€11k▼
2024 · €39k
Income taxes
€5k▲
2024 · €4k
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€104k€83k▼
Fixed assets21/28-€3k
Tangible fixed assets22/27-€3k
Furniture and vehicles24-€3k
Current assets29/58€104k€81k▼
Amounts receivable within one year40/41€100k€76k▼
Trade receivables40€27k€136▼
Other amounts receivable41€73k€76k▲
Cash at bank and in hand54/58€132€57▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€104k€83k▼
Equity10/15€65k€72k▲
Contributions10/11€19k€19k=
Reserves13€15k€22k▲
Distributable reserves133€15k€22k▲
Profit (loss) carried forward14€32k€32k=
Amounts payable17/49€39k€11k▼
Amounts payable within one year42/48€39k€11k▼
Trade debts44€956-
Suppliers440/4€956-
Advances received on contracts in progress46€32k-
Taxes, remuneration and social security45€6k€11k▲
Taxes450/3€6k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€123€161▲
Other operating charges640/8€384€758▲
Gross operating margin9900€11k€8k▼
Operating profit (loss)9901€11k€7k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€379€322▼
Recurring financial charges65€379€322▼
Profit (loss) for the period before taxes9903€15k€11k▼
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€11k€7k▼
Profit (loss) for the period to be appropriated9905€11k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€39k▼
Profit (loss) brought forward from the previous period14P€32k€32k=
Transfer to equity691/2€11k€7k▼
To other reserves6921€11k€7k▼
The notes to these accounts (7 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 7.14
Current ratio from 2.66 to 7.14; short-term debt falls from €39k to €11k.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Weakest financial yearnet €182 ▼94.7%
Net result drops to €182, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
04-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 35 days late
2018
07-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 129 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ukkel · 1 establishment unit since 2003
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.
Alsembergsesteenweg 6101180 UkkelGround area
178 m²
Parcel 21016B0040/00D018, Brussels. Linked by address, not a title deed.
1 establishment unit
Jec Chimie
since 20032.124.987.314
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21016B0040/00D018 | Brussels | 178 m² | - | - |
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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 39,772 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-1989
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.