FRANCOIS TREFAUT SRL
ActiveSummary
The computed 12-month bankruptcy probability of FRANCOIS TREFAUT SRL is 2.6% (moderate). The 2025 annual accounts show equity of €3k and a net result of €21k. Equity is shrinking by ~44.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 14% of 4486 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+23
Solvency28▼-31
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
2.6%
Return on assets
22%
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 14% of 4486 sector peers (2025).
NBB · sector comparisonPosition among 4486 sector peers
Solvency
better than 14%
← 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 28-04-2026, 94 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
94 d early
2024
86 d early
2023
49 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, micro schema
Equity
€3k▼ 90.7%
2024 · €27k
2023: €24k
2024: €27k
2023 → 2025
Total assets
€97k▲ 24.1%
2024 · €79k
2023: €92k
2024: €79k
2023 → 2025
Net result
€21k▲ 750%
2024 · €3k
2023: €22k
2024: €3k
2023 → 2025
Working capital
€635▼ 97.3%
2024 · €24k
2023: €15k
2024: €24k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€24k-€27k▲ 10.4%€3k▼ 90.7%
Operating result€29k-€4k▼ 86.8%€32k▲ 734%
Net result€22k-€3k▼ 88.4%€21k▲ 750%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 734% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97k
Fixed assets
€20k ▼ 38.7%
Current assets
€77k ▲ 70.3%
Equity and liabilities €97k
Equity
€3k ▼ 90.7%
Debt
€95k ▲ 83.3%
Debt's share of the balance-sheet total rises from 65.9% to 97.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€45k▲
2024 · €21k
Cash flow
€34k▲
2024 · €20k
Current ratio
1.01▼
2024 · 2.10
Debt to equity
37.97▲
2024 · 1.94
ROE
857.8%▲
2024 · 9.4%
ROA
22.0%▲
2024 · 3.2%
Interest coverage
16.35▼
2024 · 38.06
Debt ≤ 1 year
€76k▲
2024 · €22k
Debt > 1 year
€19k▼
2024 · €30k
Income taxes
€8k▲
2024 · €804
Staff costs
€35k▲
2024 · €23k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€79k€97k▲
Fixed assets21/28€33k€20k▼
Tangible fixed assets22/27€33k€20k▼
Plant, machinery and equipment23€657€0▼
Furniture and vehicles24€32k€20k▼
Financial fixed assets28€205€205=
Current assets29/58€45k€77k▲
Amounts receivable within one year40/41€20k€4k▼
Trade receivables40€20k€4k▼
Cash at bank and in hand54/58€25k€73k▲
Deferred charges and accrued income490/1€949€0▼
Equity and liabilities
Total equity and liabilities10/49€79k€97k▲
Equity10/15€27k€3k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€24k€0▼
Amounts payable17/49€52k€95k▲
Amounts payable after more than one year17€30k€19k▼
Financial debts170/4€30k€19k▼
Amounts payable within one year42/48€22k€76k▲
Current portion of amounts payable after more than one year42€11k€12k▲
Trade debts44€852€7k▲
Suppliers440/4€852€7k▲
Taxes, remuneration and social security45€3k€10k▲
Taxes450/3€3k€8k▲
Remuneration and social security454/9€0€2k▲
Other amounts payable47/48€7k€48k▲
Income statement
Code20242025
Remuneration, social security and pensions62€23k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€13k▼
Other operating charges640/8€159€285▲
Gross operating margin9900€45k€80k▲
Operating profit (loss)9901€4k€32k▲
Financial income75/76B€4€181▲
Recurring financial income75€4€181▲
Financial charges65/66B€555€3k▲
Recurring financial charges65€555€3k▲
Profit (loss) for the period before taxes9903€3k€30k▲
Income taxes67/77€804€8k▲
Profit (loss) for the period9904€3k€21k▲
Profit (loss) for the period to be appropriated9905€3k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€46k▲
Profit (loss) brought forward from the previous period14P€22k€24k▲
Profit to be distributed694/7-€46k
Return on contributions (dividend)694-€46k
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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €3k ▼88.4%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
12-06
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.
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, Dinant · 1 establishment unit since 2022
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 d'Anseremme 345500 DinantGround area
830 m²
Building footprint
100 m²
Volume, LiDAR
644 m³
Parcel 91242A0295/00W003, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FRANCOIS TREFAUT SRL
since 20222.339.615.254
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91242A0295/00W003 | Wallonia | 829 m² | 1 · 100 m² | 8.7 m · 2 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.
Similar companies · same sector, comparable size
MERCKX-VANHEMELEN
BE 1019.013.209
Tielt-Winge · Eq €2,507
JAN VAN HEGHE
BE 0897.553.272
Brakel · Eq €2,488
AD SERVICES
BE 0775.630.014
Hoogstraten · Eq €2,521
Pro Garden
BE 0784.627.654
Gent · Eq €2,524
B2BOIS
BE 0765.202.910
Chaudfontaine · Eq €2,531
Of 21,216 companies in sector 81300 we hold annual accounts for 4,362. 1,039 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
Founded15-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
43230Insulation installation
43410Roofing work
43421Specialised construction activities
77310Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.