Investments
€4,645 2.9 × depreciation
Green is investment, beige is depreciation. Machinery stands 95.5% higher than in 2024.
FRAMONS
Overview
Lifetime
5 annual accounts with figures on one time axisGross marginpeak €150,872 (2025)
€150,872▲ 14.8%
Resultlowest -€20,923 (2021)
€31,060▲ €33,022
Equitypeak €57,658 (2025)
€57,658▲ 117%
Debts
€55,449▲ 60.3%
Board2 names since 2023
1 directorStephanie Wegierski
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €131,428 to €150,872Back to profit: €31,060Equity from €26,598 to €57,658Debts from €34,589 to €55,449Investments €4,645Cash from €25,709 to €73,708
Key points
from the 2025 annual accountsChecked score
56
Fair
Financially stronger than 83% of micro companies in food and beverage service (NACE 56)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.7%
01-2025: 2.6%▼ -0.1 percentage points vs 12-2024
02-2025: 2.6%● unchanged vs 01-2025
03-2025: 2.7%▲ +0.1 percentage points vs 02-2025
04-2025: 3.1%▲ +0.4 percentage points vs 03-2025
05-2025: 3.5%▲ +0.4 percentage points vs 04-2025
06-2025: 3.6%▲ +0.1 percentage points vs 05-2025
07-2025: 3.6%● unchanged vs 06-2025
08-2025: 4.3%▲ +0.7 percentage points vs 07-2025
09-2025: 4.9%▲ +0.6 percentage points vs 08-2025
10-2025: 7.3%▲ +2.4 percentage points vs 09-2025highest value
11-2025: 4.1%▼ -3.2 percentage points vs 10-2025
12-2025: 4.1%● unchanged vs 11-2025
01-2026: 4.0%▼ -0.1 percentage points vs 12-2025
02-2026: 4.0%● unchanged vs 01-2026
03-2026: 4.0%● unchanged vs 02-2026
04-2026: 4.1%▲ +0.1 percentage points vs 03-2026
05-2026: 4.4%▲ +0.3 percentage points vs 04-2026
06-2026: 4.4%● unchanged vs 05-2026
07-2026: 4.5%▲ +0.1 percentage points vs 06-2026
08-2026: 5.7%▲ +1.2 percentage points vs 07-2026
09-2026: 2.0%▼ -3.7 percentage points vs 08-2026lowest value
10-2026: 2.0%● unchanged vs 09-2026lowest value
11-2026: 2.0%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
Last filed accounts filed 31 days late; 2 of the last 3 accounts late
Founded in 2020
lowers risk
Liquidity: current ratio 1.84, cash €73,708
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 56, micro). It does better than 69% of them on solvency, 79% on liquidity, 93% on profitability and 91% on growth.
The bankruptcy probability was computed on 05-11-2026 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 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% 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, 6,782 companies had the same profile as FRAMONS has now. Each dot stands for 17 companies, two years later.
96.7%
were still trading
2.7%
stopped another way
0.6%
went bankrupt
The bankruptcy probability of FRAMONS itself is higher: 2.0% within 12 months. It rests on far more data about FRAMONS than the profile alone.
Test of the method
The method was tested on the 497,446 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 6,782 companies, not a prediction for FRAMONS. 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 €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.84 (1.54 in 2024), above the usual 1.5. Short-term debt is 49% and cash 65.2% of total assets. 49% 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 31 days late
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. 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 · 5 filingsDeviation from the deadline
2025
31 days late
2024
71 days late
2023
35 days early
2022
31 days late
2021
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 26 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% 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 31 August (4 of the last 5 accounts filed within 40 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0755720070
Registered office moved within Mons
New registered office: Rue des Clercs 20, 7000 Mons · Previous registered office: Rue des Clercs 6, boîte 33, 7000 Mons · General meeting of 08-12-2025 · Gazette deed
Registered office moved to Mons
New registered office: rue des clercs 6, boite 33 7000 MONS · Previous registered office: CLEF 4 MONS · General meeting of 04-12-2023 · Gazette deed
Resignation: Gonzalez Franco Rodnay (director)
Appointment: Stephanie Wegierski (director) · General meeting of 27-06-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| FRAMONS Mons | €113,107 | €150,872 | 51.0% | - |
| RBG PARTNERS Jurbise | €105,660 | €147,159 | 10.0% | 3.3 |
| FRITAPAPA STREPY La Louvière | €117,311 | €168,174 | -49.2% | - |
| STAMATOULLAS La Louvière | €96,152 | €150,084 | 23.3% | - |
| HERAMEL Froidchapelle | €126,972 | €176,381 | 75.9% | - |
| VITAL DELICACIES Charleroi | €121,140 | €136,581 | 37.8% | - |
| BAAN DAOW Manage | €95,971 | €155,425 | 21.0% | - |
These companies have the same main activity as FRAMONS: limited-service restaurants, excluding mobile food services (NACE 56112). They are comparable in size and age: total assets between €96,000 and €127,000, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 05-10-2020Normal situation
- Activity
- Limited-service restaurants, excluding mobile food servicesNACE 56112and 1 other
- Establishment unit
- 2.310.287.5037000 Mons, since 05-10-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 28-01-2026
Annual accounts 2025
- Gross margin
- €150,872▲ 14.8%
- Turnover
- ≈ €470,000estimated
- Profit
- €31,060
- Equity
- €57,658▲ 117%
- Total assets
- €113,107▲ 84.9%
- Employeeson 31-12-2025
- 14=
- Filing
- Filed on 31-08-2026
Insights on FRAMONS
FRAMONS files the micro format. That format states no turnover. The gross margin rose from €7,436 in 2021 to €150,872 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-08-2026, 31 days lateGross margin
€150,872
▲ 14.8%
Operating result
€43,847
▲ 26×
Profit
€31,060
▲ €33,022
Working capital
€46,650
▲ 150%
Solvency
51.0%
▲ 7.5 percentage points
Current ratio
1.84
▲ 0.30
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €470,000. Estimated: probably between €350,000 and €570,000.
Balance sheet
balance sheet total €113,107 on 31-12-2025What the company ownsHow it is paid for
Change in equityin euro
Change in cashin euro
Position in the sector
Solvency51.0%
Higher than 68% of 17,096 companies in 2025.
Current ratio1.84
Higher than 70% of 16,522 companies in 2025.
Return on assets27.5%
Higher than 86% of 16,605 companies in 2025.
FRAMONS
Middle half of the sector
80% of the sector
Micro accounts in food and beverage service (NACE 56)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: top quarter
Staff
Staff cost per FTE€7,605
Staff costs divided by the average number of full-time equivalents.
Joined and left+0
Training hours in 2025: 480.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||
Total assets20/58 |
113,107 | 61,187 | 53,423 | 42,483 | 18,724 | |
Fixed assets21/28 |
11,008 | 7,956 | 6,650 | 3,863 | 3,363 | |
Tangible fixed assets22/27 |
6,245 | 3,193 | 2,787 | - | - | |
Plant, machinery and equipment23 |
6,245 | 3,193 | 2,787 | - | - | |
Financial fixed assets28 |
4,763 | 4,763 | 3,863 | 3,863 | 3,363 | |
Current assets29/58 |
102,099 | 53,231 | 46,773 | 38,620 | 15,361 | |
Stocks and contracts in progress3 |
8,525 | 9,211 | 9,053 | 8,860 | 3,560 | |
Stocks30/36 |
8,525 | 9,211 | 9,053 | 8,860 | 3,560 | |
Amounts receivable within one year40/41 |
9,587 | 8,623 | 16,268 | 13,665 | 4,392 | |
Trade receivables40 |
3,874 | 949 | 10,086 | 10,701 | 1,384 | |
Other amounts receivable41 |
5,714 | 7,674 | 6,183 | 2,964 | 3,009 | |
Cash at bank and in hand54/58 |
73,708 | 25,709 | 18,523 | 15,885 | 7,408 | |
Deferred charges and accrued income490/1 |
10,278 | 9,687 | 2,928 | 210 | - | |
| Balance sheet: equity and liabilities | ||||||
Total equity and liabilities10/49 |
113,107 | 61,187 | 53,423 | 42,483 | 18,724 | |
Equity10/15 |
57,658 | 26,598 | 28,560 | 2,086 | -4,923 | |
Contributions10/11 |
16,000 | 16,000 | 16,000 | 16,000 | 16,000 | |
Profit (loss) carried forward14 |
41,658 | 10,598 | 12,560 | -13,914 | -20,923 | |
Amounts payable17/49 |
55,449 | 34,589 | 24,864 | 40,397 | 23,647 | |
Amounts payable within one year42/48 |
55,449 | 34,589 | 24,864 | 40,397 | 16,768 | |
Trade debts44 |
24,064 | 9,335 | - | 24,564 | 6,182 | |
Suppliers440/4 |
24,064 | 9,335 | - | 24,564 | 6,182 | |
Advances received on contracts in progress46 |
1,500 | 1,500 | - | - | - | |
Taxes, remuneration and social security45 |
26,573 | 22,974 | 24,864 | 11,438 | 3,086 | |
Taxes450/3 |
17,766 | 14,581 | 16,597 | 4,332 | - | |
Remuneration and social security454/9 |
8,808 | 8,393 | 8,267 | 7,106 | 3,086 | |
Other amounts payable47/48 |
3,312 | 781 | - | 4,396 | 7,500 | |
Accrued charges and deferred income492/3 |
- | - | - | - | 6,879 | |
| Income statement | ||||||
Gross operating margin9900 |
150,872 | 131,428 | 107,322 | 70,576 | 7,436 | |
Remuneration, social security and pensions62 |
101,902 | 127,130 | 70,344 | 61,933 | 27,039 | |
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 |
1,594 | 768 | 219 | - | - | |
Other operating charges640/8 |
3,529 | 1,820 | 2,503 | 657 | 1,111 | |
Operating profit (loss)9901 |
43,847 | 1,711 | 34,255 | 7,986 | -20,714 | |
Financial income75/76B |
- | 89 | 17 | 0 | - | |
Recurring financial income75 |
- | 89 | 17 | 0 | - | |
Financial charges65/66B |
3,174 | 3,288 | 2,668 | 978 | 209 | |
Recurring financial charges65 |
3,174 | 3,288 | 2,668 | 978 | 209 | |
Profit (loss) for the period before taxes9903 |
40,673 | -1,488 | 31,604 | 7,009 | -20,923 | |
Income taxes67/77 |
9,613 | 473 | 5,130 | - | - | |
Profit (loss) for the period9904 |
31,060 | -1,962 | 26,474 | 7,009 | -20,923 | |
Profit (loss) for the period to be appropriated9905 |
31,060 | -1,962 | 26,474 | 7,009 | -20,923 | |
| Appropriation of the result | ||||||
Profit (loss) to be appropriated9906 |
41,658 | 10,598 | 12,560 | -13,914 | -20,923 | |
Profit (loss) brought forward from the previous period14P |
10,598 | 12,560 | -13,914 | -20,923 | - | |
| Social balance sheet | ||||||
Average staff (FTE)9087 |
13.4 | 13.5 | 6.6 | 6.3 | 8.1 | |
Hours worked1013 |
4,923 | 5,599 | 2,996 | 2,725 | 1,168 | |
| Document | ||||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00472476.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00472476 | |
| 31-12-2024 | micro format | 10-10-2025 | 2025-00540904 | |
| 31-12-2023 | micro format | 26-06-2024 | 2024-00165988 | |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00416858 | |
| 31-12-2021 | micro format | 30-08-2022 | 2022-20349897 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| EBITDA | 45,441 | 2,478 | 34,474 | - | - | |
| Cash flow | 32,654 | -1,194 | 26,692 | - | - | |
| Investment in fixed assets | 4,645 | 2,074 | 3,006 | 500 | 3,363 | |
| Change in cash | 47,999 | 7,186 | 2,638 | 8,476 | - | |
| Working capital | 46,650 | 18,642 | 21,909 | -1,777 | -1,407 | |
| Solvency | 51.0% | 43.5% | 53.5% | 4.9% | -26.3% | |
| Current ratio | 1.84 | 1.54 | 1.88 | 0.96 | 0.92 | |
| Quick ratio | 1.69 | 1.27 | 1.52 | 0.74 | 0.70 | |
| Debt to equity | 0.96 | 1.30 | 0.87 | 19.37 | - | |
| ROE | 53.9% | -7.4% | 92.7% | 336.0% | - | |
| ROA | 27.5% | -3.2% | 49.6% | 16.5% | -111.7% | |
| Interest coverage | 14.32 | 0.75 | 12.92 | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2025 | 31-12-2024 | 31-12-2023 | 31-12-2022 | 31-12-2021 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 14 | 14 | 11 | 6 | 7 |
| full-time | 1 | - | 1 | - | - |
| part-time | 13 | 14 | 10 | 6 | 7 |
| in full-time equivalents | 4.1 | 30.1 | 2.9 | 1.7 | 1.8 |
| Average over the year, in full-time equivalents | 3.3 | 3.9 | 2 | 1.7 | 2.1 |
| On a permanent contract | - | 1 | 2 | 4 | 4 |
| Joined | 32 | 40 | 23 | 35 | 11 |
| Left | 32 | 40 | 18 | 36 | 4 |
| Training hours | 480 | - | 15 | - | - |
Source: social balance sheet in the 2021 to 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €4,645 | €1,174 | €3,006 | - | - |
| Financial fixed assets | - | €900 | - | €500 | €3,363 |
| Depreciation and write-downs of the year | €1,594 | €768 | €219 | - | - |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on FRAMONS
The operating result for 2025 is nearly 26 times that of 2024 and the highest since 2021. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total falls from 56.5% to 49.0%. Equity and debt are higher.
Board & ownership
Board
1 director, last change in 2023Director
since 01-07-2023
listed in the 2025 annual accounts, filed on 31-08-2026
Mandates through the years
2 names, the dashed line is todayStephanie Wegierski
Director
Director
Gonzalez Franco Rodnay
Director
Director
BoardEarliermandate already running before its first mention
Mandates as a list
- Stephanie Wegierski
- Director, from 01-07-2023 to date
- Gonzalez Franco Rodnay
- Director, until 01-07-2023
Control
Capital
- Contribution
- €16,000
- Source
- 2025 annual accounts
Network & group
No group
FRAMONS has no parent and no holdings in its annual accounts. Stephanie Wegierski is the only director. FRAMONS shares no director with another company.
Timeline
Timeline
13 events since 2020Board
Filings
Financial
Establishments
Address
2020202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 31 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0755720070
Registered office moved within MonsNew registered office: Rue des Clercs 20, 7000 Mons · Previous registered office: Rue des Clercs 6, boîte 33, 7000 Mons · General meeting of 08-12-20252 points ▸
- General meeting, 08-12-2025
- Registered-office move, Rue des Clercs 20, 7000 Mons
2025
Back to profit net €31,060 The net result is €31,060, after one loss-making year.
Annual accounts 2024 filed PDFmicro format · 71 days late
2024
Annual accounts 2023 filed PDFmicro format · 35 days before the deadline
Registered office moved to MonsNew registered office: rue des clercs 6, boite 33 7000 MONS · Previous registered office: CLEF 4 MONS · General meeting of 04-12-20232 points ▸
- General meeting, 04-12-2023
- Registered-office move, rue des clercs 6, boite 33 7000 MONS
2023
Annual accounts 2022 filed PDFmicro format · 31 days late
Resignation: Gonzalez Franco Rodnay (director)Appointment: Stephanie Wegierski (director) · General meeting of 27-06-20233 points ▸
- General meeting, 27-06-2023
- Director resignation, Gonzalez Franco Rodnay
- Director appointment, Stephanie Wegierski
2022
Back to profit net €7,009 The net result is €7,009, after one loss-making year.
Annual accounts 2021 filed PDFmicro format · 30 days late
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0755.720.070
- VAT number
- BE 0755.720.070
- Peppol ID
- 0208:0755720070
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 05-10-2020
- Financial year
- ends on 31 December
- Peppol
- Reachable since 28-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- FRAMONS in French
- Entity type
- Legal entity
Activities
NACEBEL 2025VAT activities
56112
Limited-service restaurants, excluding mobile food services main activity
Social security (RSZ) activities
56301
Cafés and bars main activity
Codes under NACEBEL 2008
VAT activities
56102
Limited-service restaurants main activity
Social security (RSZ) activities
56301
Cafés and bars main activity
Registered office and establishments
1 establishment| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| Tam-Tam registered office Rue des Clercs 20, 7000 Mons | 05-10-2020 | 2.310.287.503 | Restaurant |
Buildings and parcels at the address
- Ground area
- 137 m²
- Buildings
- 85 m²
- Volume, LiDAR
- 1,281 m³
- Tallest building
- 16.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 53403E0230/00B000 | 137 m² | 1 · 84 m² | 16.8 m · 5 |
Recognitions
Food safety, FASFC
1 siteMonsunit number 2.310.287.503