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FRAN 2.0

Active
Private limited companyfounded 20224 yrs activeDrabstraat 10, 2800 Mechelen, BelgiumKBO/BCE: BE 0788.338.301

FRAN 2.0 has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €5k. Equity is growing by ~58.8% per year across the filed fiscal years. Its solvency ranks better than 25% of 13718 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2025
38 / 100
Weak▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency2▲+1
Growth78=
Stability94
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.11 against 0.09 in 2024), and 96.6% 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 riskneutral
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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 4 years 0 10 y
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
Sector 68
lower
← fewer bankruptcies more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
3.4%
Return on assets
1.3%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 13718 sector peers (2025).
NBB · sector comparison
Position among 13718 sector peers
Solvency
better than 25%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 3 filings
Deviation from the deadline
2025
3 d late
2024
121 d early
2023
33 d early
← 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 months
Position in the running window
08-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€13k▲ 58.5%
2024 · €8k
2023: €3k 2024: €8k
2023 → 2025
Total assets
€367k▼ 1.8%
2024 · €374k
2023: €380k 2024: €374k
2023 → 2025
Net result
€5k▼ 0.9%
2024 · €5k
2023: €238 2024: €5k
2023 → 2025
Working capital
€-83k▲ 2.4%
2024 · €-85k
2023: €-88k 2024: €-85k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line202320242025Trend
Equity€3k-€8k▲ 144%€13k▲ 58.5%
Operating result€12k-€16k▲ 41.6%€16k▼ 2.7%
Net result€238-€5k▲ 1,863%€5k▼ 0.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€5k€10k€15kOperating result 2023: €12k€12kNet result 2023: €238€238Operating result 2024: €16k€16kNet result 2024: €5k€5kOperating result 2025: €16k€16kNet result 2025: €5k€5k202320242025
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €367k
Fixed assets €357k▼ 2.5%
Current assets €11k▲ 31.1%
Equity and liabilities €367k
Equity €13k▲ 58.5%
Debt €355k▼ 3.1%
The debt ratio falls from 97.9% to 96.6%: equity grows while debt is paid down.
Key figures and ratios
2025 value · change against 2024
EBITDA
€25k
2024 · €26k
Cash flow
€14k
2024 · €14k
Solvency
3.4%
2024 · 2.1%
Current ratio
0.11
2024 · 0.09
Quick ratio
0.11
2024 · 0.09
Debt / equity
28.31
2024 · 46.33
ROE
36.9%
2024 · 59.0%
ROA
1.3%
2024 · 1.2%
Interest coverage
2.49
2024 · 2.43
Debt
€355k
2024 · €366k
Debt ≤ 1 year
€94k
2024 · €93k
Debt > 1 year
€261k
2024 · €273k
Income taxes
€1k
2024 · €1k
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€374k€367k
Fixed assets21/28€366k€357k
Tangible fixed assets22/27€366k€357k
Land and buildings22€366k€357k
Current assets29/58€8k€11k
Amounts receivable within one year40/41€84€427
Other amounts receivable41€84€427
Cash at bank and in hand54/58€8k€10k
Equity and liabilities
Total equity and liabilities10/49€374k€367k
Equity10/15€8k€13k
Contributions10/11€3k€3k=
Reserves13€5k€10k
Distributable reserves133€5k€10k
Amounts payable17/49€366k€355k
Amounts payable after more than one year17€273k€261k
Financial debts170/4€273k€261k
Amounts payable within one year42/48€93k€94k
Current portion of amounts payable after more than one year42€11k€12k
Trade debts44€248€354
Suppliers440/4€248€354
Taxes, remuneration and social security45€59€0
Taxes450/3€59€0
Other amounts payable47/48€82k€82k=
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k
Other operating charges640/8€4k€5k
Gross operating margin9900€30k€30k
Operating profit (loss)9901€16k€16k
Financial charges65/66B€10k€10k
Recurring financial charges65€10k€10k
Profit (loss) for the period before taxes9903€6k€6k
Income taxes67/77€1k€1k
Profit (loss) for the period9904€5k€5k
Profit (loss) for the period to be appropriated9905€5k€5k
Appropriation of the result
Profit (loss) to be appropriated9906€5k€5k
Transfer to equity691/2€5k€5k
To other reserves6921€5k€5k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
03-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
01-04
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Highest result since 2023net €5k ▲1863%
Operating result €16k, net result €5k, both a record.
28-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
no sitting director, last change in 2026
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.
08-05-2026 Resigned as Director
Not every act has been read: a resignation may be missing here
2 of this company's 2 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Mechelen · 1 establishment unit since 2022
exact location from the address register On OpenStreetMap
Ground area
289 m²
Building footprint
284 m²
Volume, LiDAR
3,873 m³
Parcel 12025E0489/00M000, Flanders · tallest building 19.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Fran 2.0
Drabstraat 10, 2800 MechelenFinancial service activities, except insurance and pension funding
since 20222.333.075.771
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12025E0489/00M000
ProtectedMonumentHooghuysSource ↗
Flanders 289 m² 1 · 284 m² 19.5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).

Similar companies · same sector, comparable size

Of 7,280 companies in sector 68110 we hold annual accounts for 5,342. 2,060 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded07-07-2022
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.