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FRAMIC

Active
Private limited companyfounded 2013active for 13 yearsKapittelstraat 44, 8400 Oostende, BelgiumKBO/BCE: BE 0533.860.482
Summary

FRAMIC has been active since 2013 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27,693 and a net result of €8,118. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 30% of 17,145 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Overview

Official details

Source: KBO
Status
Active since 29-04-2013 Normal situation
Activity
Renting and operating of own or leased residential real estate, excluding social housing NACE 68201and 5 others
Establishment unit
2.220.094.725 8400 Oostende, since 29-04-2013
Financial year end
31 December
Peppol
Reachable since 26-03-2026

Board and ownership

Financial position

66 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.2%
Annual accounts 2025
Gross margin
€42,920
▲ 10.3%
Turnover
≈ €70,000
estimated
Profit
€8,118
▲ 9.9%
Equity
€27,693
▲ 41.5%
Total assets
€354,727
▼ 4.9%
  • 2025 accounts filed 61 days after the deadline
Score breakdownraises risk1 change of registered office in 24 monthsLast filed accounts filed 61 days late; 1 of the last 3 accounts latelowers riskSize: total assets €354,727Sector: Real estate activities (NACE 68)Show the evidence

Checked score

Score 2025
66 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 53% of micro companies in real estate (NACE 68)
Financial strength · tick: 2024
Average
Solvency 33+3
equity 7.8% of total assets
Liquidity 50-6
short-term debt 20.0% · cash 5.3%
Profitability 61+7
return on assets 2.3%
Bankruptcy probability within 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,625 companies, NACE 68, micro)
Last 24 months 12-2024: 0.5% 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.4%▼ -0.1 percentage points vs 03-2025lowest value 05-2025: 1.2%▲ +0.8 percentage points vs 04-2025 06-2025: 1.2%● unchanged vs 05-2025 07-2025: 1.3%▲ +0.1 percentage points vs 06-2025 08-2025: 0.6%▼ -0.7 percentage points vs 07-2025 09-2025: 0.6%● unchanged vs 08-2025 10-2025: 0.6%● unchanged vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.6%● unchanged vs 03-2026 05-2026: 0.7%▲ +0.1 percentage points vs 04-2026 06-2026: 0.6%▼ -0.1 percentage points vs 05-2026 07-2026: 0.7%▲ +0.1 percentage points vs 06-2026 08-2026: 1.1%▲ +0.4 percentage points vs 07-2026 09-2026: 1.5%▲ +0.4 percentage points vs 08-2026highest value 10-2026: 1.2%▼ -0.3 percentage points vs 09-2026 11-2026: 1.2%● unchanged vs 10-2026
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.29 (0.53 in 2024), below 1. Short-term debt is 20% and cash 5.3% of total assets. 92.2% of the assets are financed with debt and provisions.
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 68, micro). It does better than 29% of them on solvency, 53% on liquidity, 49% on profitability and 84% 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

Six signals.
lowers riskraises riskneutral
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
raises risk · Last filed accounts filed 61 days late; 1 of the last 3 accounts late
NBB · filings
lowers risk · Size: total assets €354,727
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Sector: Real estate activities (NACE 68)
KBO
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €27,693
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
61 days late
2024
31 days early
2023
on the day
2022
31 days early
2021
31 days late
2020
40 days late
2019
31 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 14 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 August (4 of the last 5 accounts filed within 32 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • New directorlatest change 09-06-2026 · 1 in office 1 joined View

Recent changes

  1. · Gazette deed Appointment: OPSTAELE Michael Marco (director)Resignation: OPSTAELE Michael Marco (director)
  2. · Gazette deed Registered office moved from Bredene to Oostende
  3. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as FRAMIC: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €294,000 and €403,000, founded between 2012 and 2014.

CompanyTotal assetsGross margin
FRAMIC Oostende€354,727€42,920
XOLATO Bredene€372,408€34,206
CREATIVE IMMOBILIERE Liège€326,049€44,196
R9 INVEST Liège€392,453€39,282
SAINT-HENRIMMO Sint-Lambrechts-Woluwe€402,691€45,973
BERANGER Vorst€310,770€46,741
CHAFLORE Maarkedal€294,134€38,794
Full comparison

Key facts about FRAMIC

What is the company number of FRAMIC?
The company number of FRAMIC is 0533.860.482. The VAT number is the same number with BE in front: BE 0533.860.482.
Where is FRAMIC based?
The registered office is at Kapittelstraat 44, 8400 Oostende.Company details
What does FRAMIC do?
According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
What is the legal form of FRAMIC?
The legal form of FRAMIC is Private limited company (BV).
When was FRAMIC founded?
FRAMIC was founded on 29-04-2013.
Is FRAMIC still active?
Yes, FRAMIC is an active enterprise in the KBO register.
What is the turnover of FRAMIC?
The turnover in financial year 2025 is ≈ €70,000. This figure is estimated from the gross margin of €42,920 and 51 comparable companies (NACE 682). It probably lies between €52,000 and €100,000.Financials
Is FRAMIC profitable?
In financial year 2025, FRAMIC made a profit of €8,118.
Where can I find the annual accounts of FRAMIC?
FRAMIC filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FRAMIC due?
FRAMIC must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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