FRAMONS
ActiveThe computed 12-month bankruptcy probability of FRAMONS is 3.5% (moderate). The 2025 annual accounts show equity of €58k and a net result of €31k. Equity is growing by ~56.8% per year across the filed fiscal years. Its solvency ranks better than 68% of 13270 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+79
Solvency76▲+8
Growth78=
Track record94
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 1.54 in 2024; short-term debt: 49% and cash: 65.2% of total assets), and 49% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51%
Return on assets
27.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
71 d late
2023
35 d early
2022
31 d late
2021
30 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€58k▲ 117%
2024 · €27k
2021: €-5k
2022: €2k
2023: €29k
2024: €27k
2021 → 2025
Total assets
€113k▲ 84.9%
2024 · €61k
2021: €19k
2022: €42k
2023: €53k
2024: €61k
2021 → 2025
Net result
€31k
2024 · €-2k
2021: €-21k
2022: €7k
2023: €26k
2024: €-2k
2021 → 2025
Working capital
€47k▲ 150%
2024 · €19k
2021: €-1k
2022: €-2k
2023: €22k
2024: €19k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-5k-€2k€29k▲ 1,269%€27k▼ 6.9%€58k▲ 117%
Operating result€-21k-€8k€34k▲ 329%€2k▼ 95.0%€44k▲ 2,463%
Net result€-21k-€7k€26k▲ 278%€-2k€31k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2,463% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €113k
Fixed assets
€11k▲ 38.4%
Current assets
€102k▲ 91.8%
Equity and liabilities €113k
Equity
€58k▲ 117%
Debt
€55k▲ 60.3%
The debt ratio falls from 56.5% to 49.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€45k▲
2024 · €2k
Cash flow
€33k▲
2024 · €-1k
Solvency
51.0%▲
2024 · 43.5%
Current ratio
1.84▲
2024 · 1.54
Quick ratio
1.69▲
2024 · 1.27
Debt / equity
0.96▼
2024 · 1.30
ROE
53.9%▲
2024 · -7.4%
ROA
27.5%▲
2024 · -3.2%
Interest coverage
14.32▲
2024 · 0.75
Debt
€55k▲
2024 · €35k
Debt ≤ 1 year
€55k▲
2024 · €35k
Income taxes
€10k▲
2024 · €473
Staff costs
€102k▼
2024 · €127k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€61k€113k▲
Fixed assets21/28€8k€11k▲
Tangible fixed assets22/27€3k€6k▲
Plant, machinery and equipment23€3k€6k▲
Financial fixed assets28€5k€5k=
Current assets29/58€53k€102k▲
Stocks and contracts in progress3€9k€9k▼
Stocks30/36€9k€9k▼
Amounts receivable within one year40/41€9k€10k▲
Trade receivables40€949€4k▲
Other amounts receivable41€8k€6k▼
Cash at bank and in hand54/58€26k€74k▲
Deferred charges and accrued income490/1€10k€10k▲
Equity and liabilities
Total equity and liabilities10/49€61k€113k▲
Equity10/15€27k€58k▲
Contributions10/11€16k€16k=
Profit (loss) carried forward14€11k€42k▲
Amounts payable17/49€35k€55k▲
Amounts payable within one year42/48€35k€55k▲
Trade debts44€9k€24k▲
Suppliers440/4€9k€24k▲
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€23k€27k▲
Taxes450/3€15k€18k▲
Remuneration and social security454/9€8k€9k▲
Other amounts payable47/48€781€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€127k€102k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€768€2k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€131k€151k▲
Operating profit (loss)9901€2k€44k▲
Financial income75/76B€89-
Recurring financial income75€89-
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-1k€41k▲
Income taxes67/77€473€10k▲
Profit (loss) for the period9904€-2k€31k▲
Profit (loss) for the period to be appropriated9905€-2k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€42k▲
Profit (loss) brought forward from the previous period14P€13k€11k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-07-2023
Resigned as Director
Location & real-estate footprint
Registered office, Mons · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue des Clercs 207000 MonsGround area
137 m²
Building footprint
85 m²
Volume, LiDAR
1,281 m³
Parcel 53403E0230/00B000, Wallonia · tallest building 16.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Tam-Tam
since 20202.310.287.503
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53403E0230/00B000 | Wallonia | 137 m² | 1 · 84 m² | 16.8 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMons2.310.287.503
Similar companies · same sector, comparable size
New-Quinta
BE 0760.554.927
Baelen · Eq €58k
Diba Petit Restaurant
BE 0643.455.933
Antwerpen · Eq €58k
FRITAS
BE 0715.804.372
Soumagne · Eq €58k
F.J.A.
BE 0444.290.187
Trois-Ponts · Eq €58k
ASIA TASTE
BE 0844.330.560
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 8,331 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-10-2020
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.