FRANCOIS R.
ActiveFRANCOIS R. has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €280k and a net result of €48k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 45% of 824 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-10
Solvency54▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.29 in 2024; short-term debt: 45.9% and cash: 22.5% of total assets), and 70.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
29.2%
Return on assets
5%
Age of the figures
9 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
28 d late
2023
on the day
2022
on the day
2021
4 d early
2020
1 d late
2019
8 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 monthsPosition in the running window
18-09-2026 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
€48k▼ 51.6%
2024 · €99k
2019: €14k
2020: €28k
2021: €8k
2022: €15k
2023: €21k
2024: €99k
2019 → 2025
Working capital
€206k▲ 55.5%
2024 · €133k
2019: €32k
2020: €66k
2021: €32k
2022: €55k
2023: €44k
2024: €133k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€98k-€113k▲ 15.5%€134k▲ 18.5%€232k▲ 73.9%€280k▲ 20.6%
Operating result€18k-€20k▲ 12.8%€27k▲ 30.8%€163k▲ 509%€73k▼ 55.2%
Net result€8k-€15k▲ 80.0%€21k▲ 37.9%€99k▲ 374%€48k▼ 51.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €960k
Fixed assets
€313k▲ 75.7%
Current assets
€647k▲ 8.6%
Equity and liabilities €960k
Equity
€280k▲ 20.6%
Debt
€680k▲ 25.6%
The debt ratio rises from 70.0% to 70.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€142k▼
2024 · €241k
Cash flow
€117k▼
2024 · €176k
Solvency
29.2%▼
2024 · 30.0%
Current ratio
1.47▲
2024 · 1.29
Quick ratio
1.28▲
2024 · 1.09
Debt / equity
2.43▲
2024 · 2.33
ROE
17.1%▼
2024 · 42.5%
ROA
5.0%▼
2024 · 12.8%
Interest coverage
12.49▼
2024 · 21.45
Debt
€680k▲
2024 · €541k
Debt ≤ 1 year
€441k▼
2024 · €463k
Debt > 1 year
€239k▲
2024 · €77k
Income taxes
€14k▼
2024 · €35k
Staff costs
€928k▼
2024 · €1.22M
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€774k€960k▲
Fixed assets21/28€178k€313k▲
Tangible fixed assets22/27€175k€310k▲
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€156k€133k▼
Leasing and similar rights25-€163k
Other tangible fixed assets26€11k€8k▼
Financial fixed assets28€3k€3k=
Current assets29/58€595k€647k▲
Stocks and contracts in progress3€90k€81k▼
Stocks30/36€90k€81k▼
Amounts receivable within one year40/41€366k€330k▼
Trade receivables40€284k€294k▲
Other amounts receivable41€81k€36k▼
Cash at bank and in hand54/58€118k€216k▲
Deferred charges and accrued income490/1€22k€20k▼
Equity and liabilities
Total equity and liabilities10/49€774k€960k▲
Equity10/15€232k€280k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€226k€274k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€224k€272k▲
Amounts payable17/49€541k€680k▲
Amounts payable after more than one year17€77k€239k▲
Financial debts170/4€77k€239k▲
Amounts payable within one year42/48€463k€441k▼
Current portion of amounts payable after more than one year42€36k€62k▲
Trade debts44€269k€279k▲
Suppliers440/4€269k€279k▲
Advances received on contracts in progress46-€500
Taxes, remuneration and social security45€59k€71k▲
Taxes450/3€9k€18k▲
Remuneration and social security454/9€50k€53k▲
Other amounts payable47/48€98k€28k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Non-recurring operating income76A-€21k
Remuneration, social security and pensions62€1.22M€928k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€69k▼
Other operating charges640/8€7k€6k▼
Non-recurring operating charges66A€5k-
Gross operating margin9900€1.47M€1.08M▼
Operating profit (loss)9901€163k€73k▼
Financial income75/76B€1k€686▼
Recurring financial income75€1k€686▼
Financial charges65/66B€31k€12k▼
Recurring financial charges65€11k€11k▲
Non-recurring financial charges66B€20k€654▼
Profit (loss) for the period before taxes9903€133k€62k▼
Income taxes67/77€35k€14k▼
Profit (loss) for the period9904€99k€48k▼
Profit (loss) for the period to be appropriated9905€99k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€224k€48k▼
Profit (loss) brought forward from the previous period14P€126k-
Transfer to equity691/2€224k€48k▼
To other reserves6921€224k€48k▼
Social balance
Average headcount (FTE)908722.223.1▲
The notes to these accounts (11 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Highest result since 2019net €99k ▲374%
Operating result €163k, net result €99k, both a record.
31-12
Financial
Equity above €200kEq €232k ▲73.9%
6 profitable years in a row build equity to €232k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €100kEq €113k ▲15.5%
4 profitable years in a row build equity to €113k.
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €8k ▼69.6%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
23-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-12
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, Walcourt · 1 establishment unit since 2006
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 du Fourneau(Thy) 135651 WalcourtGround area
7,513 m²
Building footprint
112 m²
Parcel 93078B0310/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
François R.
since 20062.155.931.403
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93078B0310/00N000 | Wallonia | 7,512 m² | 1 · 112 m² | - |
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.
Recognitions · licences · registrations
Recognised contractor
22 categoriesFRANCOIS R. SRL36927
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DE WILDE F.
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Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 11,180 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2006
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43410Roofing work
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.