FRAMERIES MONUMENTS
ActiveSummary
FRAMERIES MONUMENTS has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €292,458 and a net result of -€1,866. Equity has been stable since 2019 (±0% per year). Its solvency ranks better than 39% of 365 sector peers (NACE 23, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 22-04-2004 Normal situation
- Activity
- Cutting, shaping and finishing of stone NACE 23700
- Establishment units
- 2.033.658.448 7080 Frameries, since 31-01-1990
- 2.136.631.965 7331 Saint-Ghislain, since 22-04-2004
- Financial year end
- 30 June
- Peppol
- Reachable since 28-10-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €62,365
- ▼ 18.2%
- Turnover
- ≈ €170,000
- estimated
- Loss
- €1,866
- Equity
- €292,458
- ▼ 0.6%
- Total assets
- €763,115
- ▼ 1.8%
Score breakdownlowers riskSize: total assets €763,115Sector: Manufacture of other non-metallic mineral products (NACE 23)Figures for financial year 2025 (filed on 06-02-2026)Legal form: public limited companyShow the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 23, micro). It does better than 41% of them on solvency, 55% on liquidity, 25% on profitability and 34% on growth.
The bankruptcy probability was computed on 01-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 11 days before the deadline. In the sector (NACE 23), the median for financial year 2024 was 10 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, full format
Annual accounts 2025 filed on 30-01-2026 PDF all 21 filings
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result for 2025 is 47% lower than in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Manufacture of other non-metallic mineral products (NACE 23). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Investments
| Item | 30-06-2022 | 30-06-2023 | 30-06-2024 | 30-06-2025 |
|---|---|---|---|---|
| Tangible fixed assets | - | €14,667 | - | - |
| Depreciation and write-downs of the year | €45,381 | €40,090 | €40,090 | €39,860 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €3 | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | €48,434 | €16,788 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €52,198 | €49,645 | €48,532 | €45,381 | €40,090 | €40,090 | €39,860 | ▼ 0.6% |
| Other operating charges640/8 | - | - | - | €7,072 | €10,621 | €8,417 | €7,715 | ▼ 8.3% |
| Non-recurring operating charges66A | - | - | - | - | €1 | - | - | - |
| Gross operating margin9900 | €71,282 | €60,775 | €160,510 | €149,702 | €54,843 | €76,223 | €62,365 | ▼ 18.2% |
| Operating profit (loss)9901 | €1,562 | -€28,610 | €67,092 | €48,814 | -€12,658 | €27,716 | €14,790 | ▼ 46.6% |
| Financial income75/76B | - | - | - | - | - | - | €1 | - |
| Recurring financial income75 | €152 | - | €9 | - | - | - | €1 | - |
| Financial charges65/66B | - | - | - | €22,618 | €21,691 | €17,012 | €16,657 | ▼ 2.1% |
| Recurring financial charges65 | €25,362 | €25,591 | €24,472 | €22,568 | €21,691 | €17,012 | €16,657 | ▼ 2.1% |
| Non-recurring financial charges66B | - | - | - | €50 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€23,648 | -€54,201 | €42,629 | €26,196 | -€34,348 | €10,704 | -€1,866 | - |
| Income taxes67/77 | €26,419 | - | - | - | €374 | - | - | - |
| Profit (loss) for the period9904 | -€50,068 | -€54,201 | €42,629 | €26,196 | -€34,723 | €10,704 | -€1,866 | - |
| Profit (loss) for the period to be appropriated9905 | -€50,068 | -€54,201 | €42,629 | €26,196 | -€34,723 | €10,704 | -€1,866 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €980,167 | €928,863 | €942,063 | €895,090 | €858,357 | €777,436 | €763,115 | ▼ 1.8% |
| Fixed assets21/28 | €799,409 | €750,913 | €714,986 | €669,605 | €644,182 | €604,092 | €564,232 | ▼ 6.6% |
| Tangible fixed assets22/27 | €799,110 | €750,614 | €714,687 | €669,306 | €643,883 | €603,793 | €563,933 | ▼ 6.6% |
| Land and buildings22 | - | - | - | €20,110 | €20,110 | €20,110 | €20,110 | = |
| Plant, machinery and equipment23 | - | - | - | €641,173 | €608,294 | €573,888 | €539,482 | ▼ 6.0% |
| Furniture and vehicles24 | - | - | - | €8,023 | €5,272 | €2,521 | - | - |
| Leasing and similar rights25 | - | - | - | - | €10,207 | €7,274 | €4,341 | ▼ 40.3% |
| Financial fixed assets28 | €299 | €299 | €299 | €299 | €299 | €299 | €299 | = |
| Current assets29/58 | €180,758 | €177,950 | €227,077 | €225,485 | €214,175 | €173,344 | €198,883 | ▲ 14.7% |
| Stocks and contracts in progress3 | €79,049 | €49,531 | €58,172 | €74,756 | €89,454 | €65,650 | €63,132 | ▼ 3.8% |
| Stocks30/36 | - | - | - | €74,756 | €89,454 | €65,650 | €63,132 | ▼ 3.8% |
| Amounts receivable within one year40/41 | €64,695 | €71,688 | €84,748 | €91,365 | €90,758 | €71,780 | €77,212 | ▲ 7.6% |
| Trade receivables40 | - | - | - | €91,365 | €89,885 | €71,780 | €77,195 | ▲ 7.5% |
| Other amounts receivable41 | - | - | - | - | €873 | - | €17 | - |
| Cash at bank and in hand54/58 | €37,013 | €56,731 | €84,157 | €59,363 | €33,963 | €35,914 | €58,539 | ▲ 63.0% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €980,167 | €928,863 | €942,063 | €895,090 | €858,357 | €777,436 | €763,115 | ▼ 1.8% |
| Equity10/15 | €303,718 | €249,517 | €292,147 | €318,343 | €283,620 | €294,324 | €292,458 | ▼ 0.6% |
| Contributions10/11 | €63,000 | - | - | €63,000 | €63,000 | €63,000 | €63,000 | = |
| Contributions outside capital11 | - | - | - | €63,000 | €63,000 | €63,000 | €63,000 | = |
| Share premium1100/10 | - | - | - | €63,000 | €63,000 | €63,000 | €63,000 | = |
| Reserves13 | €9,800 | €72,800 | €72,800 | €9,800 | €9,800 | €9,800 | €9,800 | = |
| Non-distributable reserves130/1 | - | - | - | €6,300 | €6,300 | €6,300 | €6,300 | = |
| Reserves not available under the articles1311 | - | - | - | €6,300 | €6,300 | €6,300 | €6,300 | = |
| Tax-exempt reserves132 | - | - | - | €3,500 | €3,500 | €3,500 | €3,500 | = |
| Profit (loss) carried forward14 | €230,918 | €176,717 | €219,347 | €245,543 | €210,820 | €221,524 | €219,658 | ▼ 0.8% |
| Amounts payable17/49 | €676,448 | €679,346 | €649,916 | €576,747 | €574,737 | €483,112 | €470,658 | ▼ 2.6% |
| Amounts payable after more than one year17 | €566,195 | €543,524 | €482,315 | €482,315 | €430,949 | €386,395 | €340,050 | ▼ 12.0% |
| Financial debts170/4 | - | - | - | €482,315 | €430,949 | €386,395 | €340,050 | ▼ 12.0% |
| Amounts payable within one year42/48 | €110,254 | €135,822 | €167,601 | €94,432 | €143,788 | €96,717 | €130,608 | ▲ 35.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | €4,883 | €4,904 | €4,953 | €4,933 | ▼ 0.4% |
| Trade debts44 | €43,577 | €59,730 | €72,277 | €52,968 | €60,318 | €34,953 | €55,680 | ▲ 59.3% |
| Suppliers440/4 | - | - | - | €52,968 | €60,318 | €34,953 | €55,680 | ▲ 59.3% |
| Advances received on contracts in progress46 | - | - | - | €29,932 | €68,607 | €52,241 | €67,799 | ▲ 29.8% |
| Taxes, remuneration and social security45 | - | - | - | €6,630 | €9,524 | €4,416 | €2,089 | ▼ 52.7% |
| Taxes450/3 | - | - | - | €5,805 | €9,524 | €4,416 | €2,089 | ▼ 52.7% |
| Remuneration and social security454/9 | - | - | - | €825 | - | - | - | - |
| Other amounts payable47/48 | - | - | - | €20 | €435 | €153 | €107 | ▼ 30.0% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€50,068 | -€54,201 | €42,629 | €26,196 | -€34,723 | €10,704 | -€1,866 | - |
| + Depreciation and write-downs630 | €52,198 | €49,645 | €48,532 | €45,381 | €40,090 | €40,090 | €39,860 | ▼ 0.6% |
| Operating cash flow (approximation) | €2,131 | -€4,555 | €91,162 | €71,577 | €5,367 | €50,794 | €37,994 | ▼ 25.2% |
| Investment in fixed assets (approximation) | - | -€1,150 | -€12,605 | €0 | -€14,667 | €0 | €0 | - |
| Change in cash | - | €19,718 | €27,426 | -€24,793 | -€25,401 | €1,952 | €22,625 | ▲ 12× |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 8,617 companies had the same profile as FRAMERIES MONUMENTS has now. Two years later, 0.4% had gone bankrupt and 94.1% were still going.
- Small
- 20 years or older
- solvency 30% or more
- a small loss
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FRAMERIES MONUMENTS itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 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 8,617 companies, not a prediction for FRAMERIES MONUMENTS. 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.
Latest 10 of 21 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | full format | 30-01-2026 | 2026-00034012 | |
| 30-06-2024 | full format | 30-01-2025 | 2025-00028031 | |
| 30-06-2023 | full format | 15-01-2024 | 2024-00001687 | |
| 30-06-2022 | full format | 30-01-2023 | 2023-00022726 | |
| 30-06-2021 | full format | 15-12-2021 | 2021-80900503 | |
| 30-06-2020 | full format | 29-01-2021 | 2021-04000520 | |
| 30-06-2019 | full format | 21-01-2020 | 2020-01900296 | |
| 30-06-2018 | full format | 21-01-2019 | 2019-01800182 | |
| 30-06-2017 | full format | 24-01-2018 | 2018-02100319 | |
| 30-06-2016 | full format | 26-01-2017 | 2017-02300229 |
Timeline
Acts, filings and financial milestones
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Codes under NACEBEL 2003
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 53028C0121/00H003 | Wallonia | 2,596 m² | 1 · 317 m² | 19.8 m · 5 |
| 53009C0002/00D000 | Wallonia | 1,384 m² | 1 · 353 m² | 7.1 m · 2 |