FRAMIMMO
ActiveSummary
FRAMIMMO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €9k. Equity is growing by ~62.9% per year across the filed fiscal years. Its solvency ranks better than 31% of 4556 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-4
Solvency43▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.85 against 0.94 in 2024; short-term debt: 48.3% and cash: 38.1% of total assets), and 81.6% of the assets are financed with debt.
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Signals
Four 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 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
6 d late
2023
98 d late
2022
20 d early
2021
41 d early
2020
19 d early
2019
9 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
History
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€9k▼ 46.0%
2024 · €17k
Working capital
€-18k▼ 149%
2024 · €-7k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-13k€8k€46k▲ 463%€20k▼ 55.6%€30k▲ 49.6%
Net result€-16k€6k€29k▲ 416%€17k▼ 40.6%€9k▼ 46.0%
Equity€-15k€-10k▲ 37.0%€19k€37k▲ 88.7%€46k▲ 25.4%
Total assets€229k▼ 11.1%€282k▲ 23.0%€247k▼ 12.3%€249k▲ 0.7%€250k▲ 0.3%
Debt€244k▼ 4.9%€292k▲ 19.3%€228k▼ 21.9%€212k▼ 6.8%€204k▼ 4.0%
Working capital€-51k▼ 157%€-51k▲ 1.1%€-24k▲ 53.6%€-7k▲ 69.1%€-18k▼ 149%
Staff (FTE)1.4
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 50% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €250k
Fixed assets
€147k ▲ 9.0%
Current assets
€103k ▼ 10.1%
Equity and liabilities €250k
Equity
€46k ▲ 25.4%
Debt
€204k ▼ 4.0%
Debt's share of the balance-sheet total falls from 85.3% to 81.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▲
2024 · €31k
Cash flow
€20k▼
2024 · €28k
Current ratio
0.85▼
2024 · 0.94
Debt to equity
4.43▼
2024 · 5.79
ROE
20.3%▼
2024 · 47.0%
ROA
3.7%▼
2024 · 6.9%
Interest coverage
11.85▲
2024 · 10.69
Debt ≤ 1 year
€121k▼
2024 · €121k
Debt > 1 year
€83k▼
2024 · €91k
Income taxes
€18k▲
2024 · €204
Staff costs
€89k▼
2024 · €129k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €71k | €104k | €129k | €89k | ▼ 30.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €10k | €11k | €11k | €11k | ▼ 3.1% |
| Other operating charges640/8 | - | €3k | €4k | €479 | €2k | ▲ 411% |
| Non-recurring operating charges66A | - | - | - | - | €3k | - |
| Gross operating margin9900 | €31k | €92k | €164k | €161k | €136k | ▼ 15.4% |
| Operating profit (loss)9901 | €-13k | €8k | €46k | €20k | €30k | ▲ 49.6% |
| Financial income75/76B | - | - | €2 | €25 | €5 | ▼ 81.3% |
| Recurring financial income75 | - | - | €2 | €25 | €5 | ▼ 81.3% |
| Financial charges65/66B | - | €3k | €3k | €3k | €3k | ▲ 18.4% |
| Recurring financial charges65 | €2k | €3k | €3k | €3k | €3k | ▲ 18.4% |
| Profit (loss) for the period before taxes9903 | €-15k | €5k | €42k | €17k | €27k | ▲ 54.6% |
| Transfer from deferred taxes780 | - | €279 | - | - | - | - |
| Income taxes67/77 | €959 | - | €13k | €204 | €18k | ▲ 8,541% |
| Profit (loss) for the period9904 | €-16k | €6k | €29k | €17k | €9k | ▼ 46.0% |
| Profit (loss) for the period to be appropriated9905 | €-16k | €6k | €29k | €17k | €9k | ▼ 46.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €229k | €282k | €247k | €249k | €250k | ▲ 0.3% |
| Fixed assets21/28 | €156k | €148k | €142k | €135k | €147k | ▲ 9.0% |
| Tangible fixed assets22/27 | €156k | €148k | €142k | €135k | €147k | ▲ 9.0% |
| Land and buildings22 | - | €144k | €140k | €133k | €140k | ▲ 4.7% |
| Plant, machinery and equipment23 | - | - | - | - | €582 | - |
| Furniture and vehicles24 | - | €4k | €2k | €2k | €7k | ▲ 337% |
| Financial fixed assets28 | €122 | €122 | €122 | €122 | €122 | = |
| Current assets29/58 | €73k | €134k | €105k | €114k | €103k | ▼ 10.1% |
| Stocks and contracts in progress3 | - | €18k | - | - | - | - |
| Stocks30/36 | - | €18k | - | - | - | - |
| Amounts receivable within one year40/41 | €37k | €61k | €22k | €7k | €6k | ▼ 17.7% |
| Trade receivables40 | - | €61k | €22k | €7k | €5k | ▼ 26.9% |
| Other amounts receivable41 | - | - | - | - | €641 | - |
| Cash at bank and in hand54/58 | €29k | €56k | €83k | €105k | €95k | ▼ 9.8% |
| Deferred charges and accrued income490/1 | - | - | €500 | €2k | €2k | ▲ 3.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €229k | €282k | €247k | €249k | €250k | ▲ 0.3% |
| Equity10/15 | €-15k | €-10k | €19k | €37k | €46k | ▲ 25.4% |
| Contributions10/11 | - | €20k | €20k | €20k | €20k | = |
| Reserves13 | - | - | - | €17k | €26k | ▲ 55.8% |
| Distributable reserves133 | - | - | - | €17k | €26k | ▲ 55.8% |
| Profit (loss) carried forward14 | €-35k | €-30k | €-558 | - | - | - |
| Amounts payable17/49 | €244k | €292k | €228k | €212k | €204k | ▼ 4.0% |
| Amounts payable after more than one year17 | €114k | €107k | €99k | €91k | €83k | ▼ 8.7% |
| Financial debts170/4 | - | €107k | €99k | €91k | €83k | ▼ 8.7% |
| Amounts payable within one year42/48 | €125k | €185k | €129k | €121k | €121k | ▼ 0.5% |
| Current portion of amounts payable after more than one year42 | - | €7k | €8k | €8k | €8k | ▲ 2.2% |
| Trade debts44 | €25k | €27k | €37k | €15k | €38k | ▲ 153% |
| Suppliers440/4 | - | €27k | €37k | €15k | €38k | ▲ 153% |
| Taxes, remuneration and social security45 | - | €36k | €40k | €33k | €30k | ▼ 9.4% |
| Taxes450/3 | - | €16k | €33k | €21k | €19k | ▼ 11.8% |
| Remuneration and social security454/9 | - | €19k | €7k | €12k | €11k | ▼ 4.9% |
| Other amounts payable47/48 | - | €115k | €44k | €65k | €44k | ▼ 32.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-16k | €6k | €29k | €17k | €9k | ▼ 46.0% |
| + Depreciation and write-downs630 | €10k | €10k | €11k | €11k | €11k | ▼ 3.1% |
| Operating cash flow (approximation) | €-6k | €16k | €40k | €28k | €20k | ▼ 29.3% |
| Investment in fixed assets (approximation) | - | €-2k | €-5k | €-4k | €-23k | ▼ 459% |
| Change in cash | - | €26k | €27k | €23k | €-10k | ▼ 146% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 27 days late
2025
06-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 6 days late
2024
08-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 98 days late
2023
30-06
Financial
Highest result since 2019net €29k ▲416%
Operating result €46k, net result €29k, both a record.
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
22-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
18-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Frameries · 1 establishment unit since 2014
Ground area
280 m²
Building footprint
147 m²
Volume, LiDAR
1,084 m³
Parcel 53028C0446/00F000, Wallonia · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
FRAMIMMO
since 20142.234.303.443
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53028C0446/00F000 | Wallonia | 280 m² | 1 · 147 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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RENOROM
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AJC TERRASSEMENT
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Of 9,698 companies in sector 68121 we hold annual accounts for 7,384. 4,937 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-09-2014
Fiscal year end30-06
Activities, NACEBEL 2025
68121Development of residential building projects
68310Real estate agency activities
Contact
Scores and ratios are computed by Checked and are not a credit decision.