François DENIS, société notariale
ActiveSummary
François DENIS, société notariale has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €365k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 17% of 1004 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+18
Solvency28▲+2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.91 against 0.96 in 2024; short-term debt: 96.8% and cash: 72.6% of total assets), and 96.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
3.2%
Return on assets
56.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 1004 sector peers (2025).
NBB · sector comparisonPosition among 1004 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-02-2026, 157 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
157 d early
2024
143 d early
2023
118 d early
2022
143 d early
2021
135 d early
2020
93 d early
2019
86 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€365k▼ 0.4%
2024 · €366k
2018: €250k
2019: €314k
2020: €282k
2021: €414k
2022: €312k
2023: €455k
2024: €366k
2018 → 2025
Working capital
€-57k▲ 61.8%
2024 · €-151k
2018: €188k
2019: €-317k
2020: €-392k
2021: €-368k
2022: €-266k
2023: €-262k
2024: €-151k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k=€20k=€20k=€20k=
Operating result€550k-€414k▼ 24.7%€602k▲ 45.4%€475k▼ 21.0%€473k▼ 0.5%
Net result€414k-€312k▼ 24.7%€455k▲ 46.0%€366k▼ 19.6%€365k▼ 0.4%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €641k
Fixed assets
€78k ▼ 54.4%
Current assets
€563k ▼ 82.5%
Equity and liabilities €641k
Equity
€20k =
Debt
€620k ▼ 81.5%
Debt's share of the balance-sheet total falls from 99.4% to 96.8%. Debt is lower.
Key figures and ratios
EBITDA
€588k=
2024 · €588k
Cash flow
€480k▲
2024 · €479k
Current ratio
0.91▼
2024 · 0.96
Debt to equity
30.31
ROA
56.9%▲
2024 · 10.8%
Interest coverage
2387.34▼
2024 · 2405.44
Debt ≤ 1 year
€620k▼
2024 · €3.36M
Income taxes
€121k▼
2024 · €122k
Staff costs
€644k▲
2024 · €619k
A ratio outside any meaningful range has been withheld (balance sheet total €641k, equity €20k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.38M€641k▼
Fixed assets21/28€171k€78k▼
Intangible fixed assets21€92k€5k▼
Tangible fixed assets22/27€79k€73k▼
Furniture and vehicles24€65k€54k▼
Leasing and similar rights25-€9k
Other tangible fixed assets26€14k€11k▼
Financial fixed assets28€300€300=
Current assets29/58€3.21M€563k▼
Amounts receivable within one year40/41€256k€97k▼
Trade receivables40€53k€55k▲
Other amounts receivable41€204k€42k▼
Cash at bank and in hand54/58€2.95M€465k▼
Deferred charges and accrued income490/1€2k€842▼
Equity and liabilities
Total equity and liabilities10/49€3.38M€641k▼
Equity10/15€20k€20k=
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Amounts payable17/49€3.36M€620k▼
Amounts payable within one year42/48€3.36M€620k▼
Trade debts44€2.56M€16k▼
Suppliers440/4€2.56M€16k▼
Taxes, remuneration and social security45€304k€156k▼
Taxes450/3€81k€84k▲
Remuneration and social security454/9€224k€72k▼
Other amounts payable47/48€492k€448k▼
Income statement
Code20242025
Remuneration, social security and pensions62€619k€644k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€113k€115k▲
Other operating charges640/8€11k€10k▼
Gross operating margin9900€1.22M€1.24M▲
Operating profit (loss)9901€475k€473k▼
Financial income75/76B€13k€13k▼
Recurring financial income75€13k€13k▼
Financial charges65/66B€245€246▲
Recurring financial charges65€245€246▲
Profit (loss) for the period before taxes9903€488k€485k▼
Income taxes67/77€122k€121k▼
Profit (loss) for the period9904€366k€365k▼
Profit (loss) for the period to be appropriated9905€366k€365k▼
Appropriation of the result
Profit (loss) to be appropriated9906€366k€365k▼
Profit to be distributed694/7€366k€365k▼
Return on contributions (dividend)694€366k€365k▼
Social balance
Average headcount (FTE)90878.38.1▼
The notes to these accounts (10 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
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
10-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €455k ▲46%
Operating result €602k, net result €455k, both a record.
10-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
18-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
06-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Dison · 1 establishment unit since 2016
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 Franchimontois 104821 DisonGround area
298 m²
Building footprint
168 m²
Volume, LiDAR
2,225 m³
Parcel 63002A0559/00B010, Wallonia · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
François DENIS, société notariale
since 20162.250.224.905
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63002A0559/00B010 | Wallonia | 298 m² | 1 · 168 m² | 15.1 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 2,258 companies in sector 69102 we hold annual accounts for 1,754. 779 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2016
Fiscal year end31-12
Activities, NACEBEL 2025
69102Activities of notaries
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.