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FramCor

Active
Private limited companyfounded 2022active for 4 yearsTuinwijk 45, 9080 Lochristi, BelgiumKBO/BCE: BE 0791.439.232
Summary

FramCor has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €213,469 and a net result of €70,600. Equity is growing by about 47% per year across the filed financial years. Its solvency ranks better than 77% of 22,382 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Financials · financial year 2025, micro format

Equity
€213,469▲ 49.4%
2024 · €142,869
Total assets
€326,515▲ 18.4%
2024 · €275,764
Net result
€70,600▲ 6.1%
2024 · €66,528
Working capital
€212,407▲ 48.7%
2024 · €142,869
Trend over the years

2023 to 2025, 3 financial years

The operating result has fallen two years in a row; 2025 is 2% below 2024 and is the lowest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€91,701 2025 Net result€70,600 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line202320242025
Operating result€104,791-€93,864▼ 10.4%€91,701▼ 2.3%
Net result€73,541above the sector's middle half-€66,528above the sector's middle half▼ 9.5%€70,600above the sector's middle half▲ 6.1%
Equity€77,941within the sector's middle half-€142,869above the sector's middle half▲ 83.3%€213,469above the sector's middle half▲ 49.4%
Total assets€176,786within the sector's middle half-€275,764within the sector's middle half▲ 56.0%€326,515within the sector's middle half▲ 18.4%
Debt€98,845-€132,895▲ 34.4%€113,045▼ 14.9%
Working capital€77,941within the sector's middle half-€142,869above the sector's middle half▲ 83.3%€212,407above the sector's middle half▲ 48.7%
Solvency44.1%within the sector's middle half-51.8%within the sector's middle half▲ 7.7pp65.4%above the sector's middle half▲ 13.6pp
Current ratio2.06within the sector's middle half-2.32within the sector's middle half▲ 0.273.41above the sector's middle half▲ 1.09
Return on assets (ROA)41.6%above the sector's middle half-24.1%above the sector's middle half▼ 17.5pp21.6%above the sector's middle half▼ 2.5pp
Staff (FTE)1.8-2.4▲ 33.3%2.3▼ 4.2%
above within below the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €326,515
Fixed assets €26,062 ▲ 4.2%
Current assets €300,453 ▲ 19.8%
Equity and liabilities €326,515
Equity €213,469 ▲ 49.4%
Debt €113,045 ▼ 14.9%
Debt's share of the balance-sheet total falls from 48.2% to 34.6%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€91,704
Cash flow
€70,603
Debt to equity
0.53▼
2024 · 0.93
ROE
33.1%▼
2024 · 46.6%
Interest coverage
42.52
Debt ≤ 1 year
€88,045▼
2024 · €107,895
Debt > 1 year
€25,000=
2024 · €25,000
Income taxes
€19,897▼
2024 · €25,819
Staff costs
€102,537▲
2024 · €88,069
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.8% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
95.8% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.1% 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 497,472 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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 74.5% 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 39,278 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.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet Code20242025
Assets
Total assets20/58€275,764€326,515▲
Fixed assets21/28€25,000€26,062▲
Tangible fixed assets22/27-€1,062
Furniture and vehicles24-€1,062
Financial fixed assets28€25,000€25,000=
Current assets29/58€250,764€300,453▲
Amounts receivable within one year40/41€23,846€26,604▲
Trade receivables40€23,846€26,604▲
Cash at bank and in hand54/58€224,361€270,209▲
Deferred charges and accrued income490/1€2,557€3,640▲
Equity and liabilities
Total equity and liabilities10/49€275,764€326,515▲
Equity10/15€142,869€213,469▲
Contributions10/11€6,000€6,000=
Reserves13€136,869€207,469▲
Distributable reserves133€136,869€207,469▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€132,895€113,045▼
Amounts payable after more than one year17€25,000€25,000=
Other amounts payable178/9€25,000€25,000=
Amounts payable within one year42/48€107,895€88,045▼
Trade debts44€22,436€22,611▲
Suppliers440/4€22,436€22,611▲
Taxes, remuneration and social security45€63,870€43,533▼
Taxes450/3€58,722€24,830▼
Remuneration and social security454/9€5,148€18,702▲
Other amounts payable47/48€21,589€21,902▲
Income statement Code20242025
Remuneration, social security and pensions62€88,069€102,537▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€3
Other operating charges640/8€1,078€1,462▲
Gross operating margin9900€183,010€195,703▲
Operating profit (loss)9901€93,864€91,701▼
Financial income75/76B€387€953▲
Recurring financial income75€387€953▲
Financial charges65/66B€1,903€2,157▲
Recurring financial charges65€1,903€2,157▲
Profit (loss) for the period before taxes9903€92,348€90,497▼
Income taxes67/77€25,819€19,897▼
Profit (loss) for the period9904€66,528€70,600▲
Profit (loss) for the period to be appropriated9905€66,528€70,600▲
Appropriation of the result
Profit (loss) to be appropriated9906€66,528€70,600▲
Transfer to equity691/2€64,928€70,600▲
To other reserves6921€64,928€70,600▲
Profit to be distributed694/7€1,600€0▼
Return on contributions (dividend)694€1,600€0▼

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Remuneration, social security and pensions62€69,255€88,069€102,537▲ 16.4%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630--€3-
Other operating charges640/8€1,137€1,078€1,462▲ 35.7%
Gross operating margin9900€175,183€183,010€195,703▲ 6.9%
Operating profit (loss)9901€104,791€93,864€91,701▼ 2.3%
Financial income75/76B€61€387€953▲ 146%
Recurring financial income75€61€387€953▲ 146%
Financial charges65/66B€2,165€1,903€2,157▲ 13.3%
Recurring financial charges65€2,165€1,903€2,157▲ 13.3%
Profit (loss) for the period before taxes9903€102,687€92,348€90,497▼ 2.0%
Income taxes67/77€29,146€25,819€19,897▼ 22.9%
Profit (loss) for the period9904€73,541€66,528€70,600▲ 6.1%
Profit (loss) for the period to be appropriated9905€73,541€66,528€70,600▲ 6.1%
Line202320242025Change
Assets
Total assets20/58€176,786€275,764€326,515▲ 18.4%
Fixed assets21/28€25,000€25,000€26,062▲ 4.2%
Tangible fixed assets22/27--€1,062-
Furniture and vehicles24--€1,062-
Financial fixed assets28€25,000€25,000€25,000=
Current assets29/58€151,786€250,764€300,453▲ 19.8%
Amounts receivable within one year40/41€24,177€23,846€26,604▲ 11.6%
Trade receivables40€24,177€23,846€26,604▲ 11.6%
Cash at bank and in hand54/58€125,267€224,361€270,209▲ 20.4%
Deferred charges and accrued income490/1€2,342€2,557€3,640▲ 42.3%
Equity and liabilities
Total equity and liabilities10/49€176,786€275,764€326,515▲ 18.4%
Equity10/15€77,941€142,869€213,469▲ 49.4%
Contributions10/11€6,000€6,000€6,000=
Reserves13€71,941€136,869€207,469▲ 51.6%
Distributable reserves133€71,941€136,869€207,469▲ 51.6%
Profit (loss) carried forward14€0€0€0-
Amounts payable17/49€98,845€132,895€113,045▼ 14.9%
Amounts payable after more than one year17€25,000€25,000€25,000=
Other amounts payable178/9€25,000€25,000€25,000=
Amounts payable within one year42/48€73,845€107,895€88,045▼ 18.4%
Trade debts44€18,105€22,436€22,611▲ 0.8%
Suppliers440/4€18,105€22,436€22,611▲ 0.8%
Taxes, remuneration and social security45€39,341€63,870€43,533▼ 31.8%
Taxes450/3€32,607€58,722€24,830▼ 57.7%
Remuneration and social security454/9€6,734€5,148€18,702▲ 263%
Other amounts payable47/48€16,399€21,589€21,902▲ 1.4%
Line202320242025Change
Profit (loss) for the period9904€73,541€66,528€70,600▲ 6.1%
+ Depreciation and write-downs630--€3-
Operating cash flow (approximation)€73,541€66,528€70,603▲ 6.1%
Investment in fixed assets (approximation)-€0-€1,065-
Change in cash-€99,094€45,848▼ 53.7%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (3)
Financial year Type Filed Reference
31-12-2025 micro format 20-04-2026 2026-00082528
31-12-2024 micro format 09-07-2025 2025-00249328
31-12-2023 micro format 06-07-2024 2024-00216599

Similar companies · same sector, comparable size

Of the 2,040 active companies whose main activity is retail sale of cosmetics and toilet articles (NACE 47750), figures are known for 511. 314 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Subsidies and aid

Flemish government

2023 to 2025 · 3 entries · €14,181 awarded · €14,181 paid
Year Entries AwardedPaid
2025 1 €2,802€2,802
2024 1 €6,409€6,409
2023 1 €4,970€4,970
Schemes
3 entries · €14,181 · €14,181 paid · Departement Werk en Sociale Economie

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.