Equity
€45,998 ▲ 25.4%
FRAMIMMO has made a profit without a break since 2022.
FRAMIMMO
Lifetime
11 annual accounts with figures on one time axispeak €163,626 (2023)
€135,999▼ 15.4%
lowest -€29,834 (2015)
€9,316▼ 46.0%
peak €45,998 (2025)
€45,998▲ 25.4%
€203,822▼ 4.0%
peak 1.4 FTE (2022)
-not published
Board1 name since 2021
1 directorMAYNE Stéphanie
Documentsfilings and deeds
27-02-202627 days late
2025financial year
Gross margin from €160,716 to €135,999Result from €17,241 to €9,316Equity from €36,683 to €45,998Investments €22,778
Key points
from the 2025 annual accountsTurnover
≈ €290,000 estimated
The accounts state no turnover.
Debts
€203,822 82% of the balance sheet
Financial debts 41%Suppliers 19%Taxes and wages 15%Other 26%
Of this, €120,676 falls due within a year.
Investments
€30,204 2.9 × depreciation
Green is investment, beige is depreciation.
Filings
11 annual accounts since 2015
Three of the last ten came late. The 2023 accounts came latest: 98 days after the end of the period.
Position in the sector
€45,998
Less equity than 82% of companies in real estate. Sector median €942,893 · 5,811 companies.
Checked score
91
Excellent
Financially stronger than 66% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.6%▲ +0.1 percentage points vs 12-2024
02-2025: 0.8%▲ +0.2 percentage points vs 01-2025highest value
03-2025: 0.2%▼ -0.6 percentage points vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.3%▲ +0.1 percentage points vs 12-2025
02-2026: 0.4%▲ +0.1 percentage points vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.2%▼ -0.2 percentage points vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 28 days late; 1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 0.85, cash €95,184
Size: total assets €249,820
Sector: Real estate activities (NACE 68)
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 39% of them on solvency, 82% on liquidity, 66% on profitability and 78% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 4,508 companies had the same profile as FRAMIMMO has now. Each dot stands for 12 companies, two years later.
96.9%
were still trading
1.6%
stopped another way
1.4%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FRAMIMMO itself is lower: 0.2% within 12 months. It rests on far more data about FRAMIMMO than the profile alone.
Test of the method
The method was tested on the 497,447 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 4,508 companies, not a prediction for FRAMIMMO. 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.
Credit verdict
Credit of up to €4,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.85 (0.94 in 2024), below 1. Short-term debt is 48.3% and cash 38.1% of total assets. 81.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 27 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
27 days late
2024
6 days late
2023
98 days late
2022
20 days early
2021
41 days early
2020
19 days early
2019
9 days early
← 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 6 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 financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 6 February (4 of the last 5 accounts filed within 47 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end09-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0560971289
Company renamed from KF IMMO PRO to FRAMIMMO
Change of role: MAYNE Stéphanie, from manager to director · General meeting of 05-07-2021 · Gazette deed
Resignation: HOYOIS Karel (manager)
Transfer of shares from HOYOIS Karel to KF IMMO PRO · Director discharge: HOYOIS Karel (manager (not named in the articles)) · General meeting of 30-08-2018 · Gazette deed
Incorporation
published on 15-09-2014 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FRAMIMMO Frameries | €249,820 | €135,999 | 18.4% | - |
| PERFECT CONSTRUCTION La Louvière | €202,582 | €104,082 | 70.3% | - |
| MOARC Ghent | €255,420 | €172,544 | 56.8% | - |
| LA CHAPELLE Genk | €258,748 | €104,798 | 86.1% | - |
| AANNEMINGEN LITHOS Sint-Pieters-Leeuw | €208,244 | €128,847 | 75.0% | 0 |
| PRISMA CONSTRUCT II Kortrijk | €268,700 | €102,666 | 8.6% | - |
| LA SIGNATURE Chaudfontaine | €218,552 | €135,010 | 20.1% | - |
These companies have the same main activity as FRAMIMMO: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €203,000 and €269,000, founded between 2013 and 2015.
Official details
Source: KBO- Status
- Active since 04-09-2014Normal situation
- Activity
- Development of residential building projectsNACE 68121and 1 other
- Establishment unit
- 2.234.303.4437080 Frameries, since 02-09-2014
- Financial year end
- 30 June
- Peppol
- Reachable since 24-12-2024
Insights on FRAMIMMO
FRAMIMMO has been active since 2014 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45,998 and a net result of €9,316.
Equity has been growing by about 63% per year since 2019. Its solvency ranks better than 31% of 5,810 sector peers (NACE 68, financial year 2025).
The computed 12-month bankruptcy probability is 0.2% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FRAMIMMO
- What is the company number of FRAMIMMO?
- The company number of FRAMIMMO is 0560.971.289. The VAT number is the same number with BE in front: BE 0560.971.289.
- Where is FRAMIMMO based?
- The registered office is at Rue Hankar 6, 7080 Frameries.Company details
- What does FRAMIMMO do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of FRAMIMMO?
- FRAMIMMO is a private limited company (BV).
- When was FRAMIMMO founded?
- FRAMIMMO was founded on 04-09-2014.
- Is FRAMIMMO still active?
- Yes, FRAMIMMO is an active enterprise in the KBO register.
- How many employees does FRAMIMMO have?
- FRAMIMMO had an average of 1.4 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
- What is the turnover of FRAMIMMO?
- The turnover in financial year 2025 is ≈ €290,000. This figure is estimated from the gross margin of €135,999 and 33 comparable companies (NACE 681). It probably lies between €180,000 and €660,000.
- Is FRAMIMMO profitable?
- In financial year 2025, FRAMIMMO made a profit of €9,316.
- Where can I find the annual accounts of FRAMIMMO?
- FRAMIMMO filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FRAMIMMO due?
- FRAMIMMO must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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