FRANCOIS
ActiveFRANCOIS has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145k and a net result of €29k. Equity is shrinking by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 44% of 2680 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+75
Solvency64▲+4
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.91 against 0.61 in 2024; short-term debt: 60.7% and cash: 32.2% of total assets), and 60.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
39.2%
Return on assets
7.8%
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
61 d late
2022
67 d late
2021
61 d late
2020
90 d late
2019
122 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€569k▲ 23.9%
2024 · €459k
2018: €482k
2019: €474k
2020: €485k
2021: €538k
2022: €477k
2023: €552k
2024: €459k
2018 → 2025
EBIT margin
5.4%▲ 19.2pp
2024 · -13.8%
2018: 2.6%
2019: -7.6%
2020: -3.6%
2021: 0.5%
2022: -6.1%
2023: 5.4%
2024: -13.8%
2018 → 2025
Net result
€29k
2024 · €-65k
2018: €11k
2019: €-38k
2020: €-19k
2021: €2k
2022: €-30k
2023: €29k
2024: €-65k
2018 → 2025
Working capital
€-21k▲ 75.1%
2024 · €-84k
2018: €69k
2019: €70k
2020: €72k
2021: €81k
2022: €-66k
2023: €-36k
2024: €-84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€538k-€477k▼ 11.3%€552k▲ 15.7%€459k▼ 16.9%€569k▲ 23.9%
Equity€181k-€152k▼ 16.3%€181k▲ 19.0%€116k▼ 35.9%€145k▲ 24.8%
Operating result€3k-€-29k€30k€-63k€31k
Net result€2k-€-30k€29k€-65k€29k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €31k after a loss of €63k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €369k
Fixed assets
€165k▼ 16.8%
Current assets
€204k▲ 55.7%
Equity and liabilities €370k
Equity
€145k▲ 24.8%
Debt
€225k▲ 4.8%
The debt ratio falls from 64.9% to 60.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€78k▲
2024 · €-17k
Cash flow
€76k▲
2024 · €-19k
Solvency
39.2%▲
2024 · 35.1%
Current ratio
0.91▲
2024 · 0.61
Quick ratio
0.88▲
2024 · 0.59
Debt / equity
1.55▼
2024 · 1.85
ROE
19.9%▲
2024 · -55.9%
ROA
7.8%▲
2024 · -19.6%
Interest coverage
35.40▲
2024 · -12.83
Debt
€225k▲
2024 · €214k
Debt ≤ 1 year
€224k▲
2024 · €214k
Staff costs
€143k▼
2024 · €176k
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€330k€370k▲
Formation expenses20€917€701▼
Fixed assets21/28€199k€165k▼
Intangible fixed assets21€177-
Tangible fixed assets22/27€199k€165k▼
Plant, machinery and equipment23€49k€42k▼
Furniture and vehicles24€110k€81k▼
Other tangible fixed assets26€40k€42k▲
Current assets29/58€131k€204k▲
Stocks and contracts in progress3€5k€6k▲
Stocks30/36€5k€6k▲
Amounts receivable within one year40/41€70k€78k▲
Trade receivables40€30k€38k▲
Other amounts receivable41€39k€39k▲
Cash at bank and in hand54/58€49k€119k▲
Deferred charges and accrued income490/1€7k€1k▼
Equity and liabilities
Total equity and liabilities10/49€330k€370k▲
Equity10/15€116k€145k▲
Contributions10/11€200k€200k=
Capital10€200k€200k=
Issued capital100€200k€200k=
Reserves13€42k€42k=
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Tax-exempt reserves132€22k€22k=
Profit (loss) carried forward14€-126k€-97k▲
Amounts payable17/49€214k€225k▲
Amounts payable within one year42/48€214k€224k▲
Trade debts44€32k€36k▲
Suppliers440/4€32k€36k▲
Taxes, remuneration and social security45€52k€57k▲
Taxes450/3€31k€30k▼
Remuneration and social security454/9€22k€27k▲
Other amounts payable47/48€130k€132k▲
Accrued charges and deferred income492/3-€450
Income statement
Code20242025
Turnover70€459k€569k▲
Goods, raw materials, services and sundry goods60/61€314k€385k▲
Remuneration, social security and pensions62€176k€143k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€47k▲
Other operating charges640/8€14k€1k▼
Non-recurring operating charges66A€16k-
Gross operating margin9900€188k€222k▲
Operating profit (loss)9901€-63k€31k▲
Financial income75/76B€343€4▼
Recurring financial income75€343€4▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-64k€29k▲
Income taxes67/77€637-
Profit (loss) for the period9904€-65k€29k▲
Profit (loss) for the period to be appropriated9905€-65k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-126k€-97k▲
Profit (loss) brought forward from the previous period14P€-61k€-126k▼
The notes to these accounts (7 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 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-65k ▼324%
Net result drops to €-65k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 118 days late
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 91 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Courcelles · 1 establishment unit since 1979
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 Combattants(CO) 306180 CourcellesGround area
1,012 m²
Building footprint
305 m²
Volume, LiDAR
2,778 m³
2 parcels, Wallonia · tallest building 12.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
PC Dépannage Courcelles
since 19792.035.756.420
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52015C1017/00F000 | Wallonia | 640 m² | 1 · 184 m² | 10.0 m · 3 fl. |
| 52015C0059/00P000 | Wallonia | 372 m² | 1 · 121 m² | 12.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,995 companies in sector 62200 we hold annual accounts for 18,391. 15,361 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-01-1979
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 45 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.