FRANCOIS
ActiveFRANCOIS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.59M and a net result of €676k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 3292 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+1
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500k at 30 days acceptable
Liquidity ample (current ratio 7.74 against 27.76 in 2024; short-term debt: 12.3% and cash: 94.7% of total assets), and 12.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
87.7%
Return on assets
10.6%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 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 · 10 filingsDeviation from the deadline
2025
3 d late
2024
3 d early
2023
1 d late
2022
1 d early
2021
9 d late
2020
4 d late
2019
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€5.59M▲ 1.2%
2024 · €5.52M
2019: €3.85M
2020: €3.79M
2021: €4.04M
2022: €4.32M
2023: €5.16M
2024: €5.52M
2019 → 2025
Total assets
€6.37M▲ 11.5%
2024 · €5.72M
2019: €4.33M
2020: €4.37M
2021: €4.48M
2022: €5.30M
2023: €5.57M
2024: €5.72M
2019 → 2025
Net result
€676k▲ 19.6%
2024 · €565k
2019: €572k
2020: €657k
2021: €674k
2022: €819k
2023: €840k
2024: €565k
2019 → 2025
Working capital
€5.27M▲ 1.9%
2024 · €5.17M
2019: €3.74M
2020: €3.65M
2021: €3.88M
2022: €4.00M
2023: €4.79M
2024: €5.17M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.04M-€4.32M▲ 7.0%€5.16M▲ 19.4%€5.52M▲ 7.1%€5.59M▲ 1.2%
Operating result€987k-€1.26M▲ 27.6%€1.24M▼ 1.1%€833k▼ 33.1%€1.02M▲ 22.3%
Net result€674k-€819k▲ 21.5%€840k▲ 2.5%€565k▼ 32.7%€676k▲ 19.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 22% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.37M
Fixed assets
€324k▼ 9.2%
Current assets
€6.05M▲ 12.8%
Equity and liabilities €6.37M
Equity
€5.59M▲ 1.2%
Debt
€782k▲ 305%
The debt ratio rises from 3.4% to 12.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.05M▲
2024 · €866k
Cash flow
€709k▲
2024 · €598k
Solvency
87.7%▼
2024 · 96.6%
Current ratio
7.74▼
2024 · 27.76
Quick ratio
7.74▼
2024 · 27.76
Debt / equity
0.14▲
2024 · 0.03
ROE
12.1%▲
2024 · 10.2%
ROA
10.6%▲
2024 · 9.9%
Interest coverage
503.43▼
2024 · 2667.87
Debt
€782k▲
2024 · €193k
Debt ≤ 1 year
€782k▲
2024 · €193k
Income taxes
€340k▲
2024 · €267k
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€5.72M€6.37M▲
Fixed assets21/28€356k€324k▼
Tangible fixed assets22/27€317k€284k▼
Furniture and vehicles24€317k€284k▼
Financial fixed assets28€39k€39k=
Current assets29/58€5.36M€6.05M▲
Amounts receivable within one year40/41€7k€7k▲
Trade receivables40€7k€7k▲
Other amounts receivable41€545€545=
Current investments50/53€4k€4k▲
Cash at bank and in hand54/58€5.35M€6.03M▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€5.72M€6.37M▲
Equity10/15€5.52M€5.59M▲
Contributions10/11€21k€21k=
Reserves13€5.49M€5.56M▲
Distributable reserves133€5.49M€5.56M▲
Profit (loss) carried forward14€10k€10k▲
Amounts payable17/49€193k€782k▲
Amounts payable within one year42/48€193k€782k▲
Trade debts44-€4k
Suppliers440/4-€4k
Taxes, remuneration and social security45€62k€414k▲
Taxes450/3€62k€408k▲
Remuneration and social security454/9-€7k
Other amounts payable47/48€131k€363k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€33k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€869k€1.06M▲
Operating profit (loss)9901€833k€1.02M▲
Financial income75/76B€12€28▲
Recurring financial income75€12€28▲
Financial charges65/66B€324€2k▲
Recurring financial charges65€324€2k▲
Profit (loss) for the period before taxes9903€832k€1.02M▲
Income taxes67/77€267k€340k▲
Profit (loss) for the period9904€565k€676k▲
Profit (loss) for the period to be appropriated9905€565k€676k▲
Appropriation of the result
Profit (loss) to be appropriated9906€575k€686k▲
Profit (loss) brought forward from the previous period14P€10k€10k▲
Transfer from equity791/2€200k€610k▲
Transfer to equity691/2€565k€676k▲
To other reserves6921€565k€676k▲
Profit to be distributed694/7€200k€610k▲
Return on contributions (dividend)694€200k€610k▲
The notes to these accounts (5 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
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet €565k ▼32.7%
Net result drops to €565k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 27.76
Current ratio from 12.61 to 27.76; short-term debt falls from €413k to €193k.
01-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 1 day late
2023
30-06
Financial
Highest result since 2019net €840k ▲2.5%
Net result €840k, the highest in the series.
30-06
Financial
Liquidity doublescurrent ratio 12.61
Current ratio from 5.08 to 12.61; short-term debt falls from €981k to €413k.
30-06
Financial
Equity above €5MEq €5.16M ▲19.4%
5 profitable years in a row build equity to €5.16M.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
09-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 9 days late
2021
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2020
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
10-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brussel
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.
Nachtvlinderslaan 71000 BrusselGround area
336 m²
Building footprint
105 m²
Volume, LiDAR
1,465 m³
Parcel 21822R0418/00N004, Brussels · tallest building 24.1 m, ±4 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0418/00N004 | Brussels | 336 m² | 1 · 105 m² | 24.1 m · 4 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.
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 1,107 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2002
Fiscal year end30-06
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.