FRAMON
ActiveSummary
FRAMON has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €226,318 and a net result of -€6,075. Equity remains stable across the filed fiscal years (±0.5% per year). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 7 accounts on average 3 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
History
Go further with this company
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2026, abbreviated schema
Click a name to add, emphasise or remove a line.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 12,321 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.
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €492 | €925 | €1,822 | €1,822 | = |
| Other operating charges640/8 | €3,113 | €3,080 | €3,379 | €3,634 | €3,614 | ▼ 0.6% |
| Gross operating margin9900 | €2,999 | €1,362 | €2,746 | €4,441 | -€494 | ▼ 111% |
| Operating profit (loss)9901 | -€114 | -€2,210 | -€1,557 | -€1,015 | -€5,930 | ▼ 484% |
| Financial income75/76B | - | €1 | - | - | - | - |
| Recurring financial income75 | - | €1 | - | - | - | - |
| Financial charges65/66B | €120 | €151 | €130 | €132 | €145 | ▲ 9.4% |
| Recurring financial charges65 | €120 | €151 | €130 | €132 | €145 | ▲ 9.4% |
| Profit (loss) for the period before taxes9903 | -€233 | -€2,360 | -€1,687 | -€1,148 | -€6,075 | ▼ 429% |
| Profit (loss) for the period9904 | -€233 | -€2,360 | -€1,687 | -€1,148 | -€6,075 | ▼ 429% |
| Profit (loss) for the period to be appropriated9905 | -€233 | -€2,360 | -€1,687 | -€1,148 | -€6,075 | ▼ 429% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €239,178 | €237,890 | €247,080 | €246,588 | €239,864 | ▼ 2.7% |
| Fixed assets21/28 | €218,925 | €223,859 | €235,730 | €233,908 | €232,086 | ▼ 0.8% |
| Tangible fixed assets22/27 | €218,925 | €223,859 | €235,730 | €233,908 | €232,086 | ▼ 0.8% |
| Land and buildings22 | €218,925 | €223,859 | €235,730 | €233,908 | €232,086 | ▼ 0.8% |
| Current assets29/58 | €20,253 | €14,030 | €11,349 | €12,680 | €7,778 | ▼ 38.7% |
| Cash at bank and in hand54/58 | €20,253 | €13,477 | €10,768 | €12,099 | €7,778 | ▼ 35.7% |
| Deferred charges and accrued income490/1 | - | €553 | €581 | €581 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €239,178 | €237,890 | €247,080 | €246,588 | €239,864 | ▼ 2.7% |
| Equity10/15 | €237,587 | €235,228 | €233,541 | €232,393 | €226,318 | ▼ 2.6% |
| Contributions10/11 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Capital10 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Issued capital100 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Revaluation surpluses12 | €159,431 | €159,431 | €159,431 | €159,431 | €159,431 | = |
| Reserves13 | €12,085 | €12,085 | €12,085 | €12,085 | €12,085 | = |
| Non-distributable reserves130/1 | €12,085 | €12,085 | €12,085 | €12,085 | €12,085 | = |
| Legal reserve130 | €12,085 | €12,085 | €12,085 | €12,085 | €12,085 | = |
| Profit (loss) carried forward14 | -€83,929 | -€86,288 | -€87,975 | -€89,123 | -€95,198 | ▼ 6.8% |
| Amounts payable17/49 | €1,591 | €2,662 | €13,538 | €14,195 | €13,545 | ▼ 4.6% |
| Amounts payable within one year42/48 | €1,591 | €2,662 | €13,538 | €14,195 | €13,545 | ▼ 4.6% |
| Trade debts44 | - | €264 | €1,398 | €1,332 | - | - |
| Suppliers440/4 | - | €264 | €1,398 | €1,332 | - | - |
| Other amounts payable47/48 | €1,591 | €2,398 | €12,140 | €12,863 | €13,545 | ▲ 5.3% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€233 | -€2,360 | -€1,687 | -€1,148 | -€6,075 | ▼ 429% |
| + Depreciation and write-downs630 | - | €492 | €925 | €1,822 | €1,822 | = |
| Operating cash flow (approximation) | -€233 | -€1,867 | -€762 | €674 | -€4,253 | ▼ 731% |
| Investment in fixed assets (approximation) | - | -€5,426 | -€12,796 | €0 | €0 | - |
| Change in cash | - | -€6,776 | -€2,709 | €1,331 | -€4,321 | ▼ 425% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
15-09
State Gazette act
Appointments: Erik Govaerts (director) and Peter Govaerts (managing director)Reappointments: Jan Govaerts (director) and Peter Govaerts (director) · Resignation: Monique Vandermaesen (director) · Registered-office move9 facts ▸
- General meeting, 01-08-2026
- Director appointment, Erik Govaerts (director)
- Director reappointment, Jan Govaerts (director)
- Director reappointment, Peter Govaerts (director)
- Director resignation, Monique Vandermaesen (director)
- Board meeting, 01-08-2026
- Registered-office move, Bollostraat 159, 3140 Keerbergen
- Director appointment, Peter Govaerts (managing director)
- Director resignation, Monique Vandermaesen (managing director)
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
Board 3
Day-to-day management 1
Not every act has been read: a resignation may be missing here
1 establishment unit
2 parcels
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472F0161/00A000 | Flanders | 1,719 m² | 1 · 125 m² | 7.2 m · 2 fl. |
| 24127E0018/00P007 | Flanders | 1,023 m² | 1 · 205 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Mandate history
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| Erik Govaerts |
|
| Peter Govaerts |
|
| Jan Govaerts |
|
| Monique Vandermaesen |
|
Structure & network
Connections & network
3 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
Identification & contact
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.