FRANCOTTE
ActiveFRANCOTTE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.32M and a net result of €373k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 4149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-7
Solvency92▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €190k at 30 days acceptable
Liquidity ample (current ratio 2.43 against 5.82 in 2024; short-term debt: 31.5% and cash: 30.8% of total assets), and 32.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
67.4%
Return on assets
10.8%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
15 d early
2023
5 d early
2022
6 d late
2021
22 d late
2020
23 d late
2019
2 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
22-09-2026 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
€373k▼ 21.8%
2024 · €477k
2018: €92k
2019: €80k
2020: €99k
2021: €176k
2022: €239k
2023: €352k
2024: €477k
2018 → 2025
Working capital
€1.55M▼ 32.0%
2024 · €2.27M
2018: €1.33M
2019: €1.40M
2020: €1.42M
2021: €1.57M
2022: €1.82M
2023: €1.96M
2024: €2.27M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.59M-€1.83M▲ 15.0%€2.02M▲ 10.5%€2.43M▲ 20.1%€2.32M▼ 4.7%
Operating result€262k-€356k▲ 35.9%€531k▲ 49.0%€653k▲ 23.0%€499k▼ 23.6%
Net result€176k-€239k▲ 36.1%€352k▲ 47.1%€477k▲ 35.6%€373k▼ 21.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.44M
Fixed assets
€809k▲ 327%
Current assets
€2.63M▼ 4.3%
Equity and liabilities €3.44M
Equity
€2.32M▼ 4.7%
Provisions
€39k▲ 15.4%
Debt
€1.08M▲ 129%
The debt ratio rises from 16.1% to 31.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€563k▼
2024 · €687k
Cash flow
€437k▼
2024 · €511k
Solvency
67.4%▼
2024 · 82.8%
Current ratio
2.43▼
2024 · 5.82
Quick ratio
1.05▼
2024 · 2.11
Debt / equity
0.47▲
2024 · 0.19
ROE
16.1%▼
2024 · 19.6%
ROA
10.8%▼
2024 · 16.3%
Interest coverage
67.42▼
2024 · 78.68
Debt
€1.08M▲
2024 · €473k
Debt ≤ 1 year
€1.08M▲
2024 · €472k
Income taxes
€119k▼
2024 · €169k
Staff costs
€458k▲
2024 · €396k
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€2.94M€3.44M▲
Fixed assets21/28€189k€809k▲
Tangible fixed assets22/27€189k€809k▲
Land and buildings22-€484k
Plant, machinery and equipment23€54k€205k▲
Furniture and vehicles24€135k€119k▼
Current assets29/58€2.75M€2.63M▼
Stocks and contracts in progress3€1.75M€1.49M▼
Stocks30/36€1.75M€1.49M▼
Amounts receivable within one year40/41€23k€65k▲
Trade receivables40€23k€65k▲
Cash at bank and in hand54/58€966k€1.06M▲
Deferred charges and accrued income490/1€9k€12k▲
Equity and liabilities
Total equity and liabilities10/49€2.94M€3.44M▲
Equity10/15€2.43M€2.32M▼
Contributions10/11€150k€150k=
Capital10€150k€150k=
Issued capital100€150k€150k=
Reserves13€906k€419k▼
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Tax-exempt reserves132€53k€53k=
Distributable reserves133€838k€351k▼
Profit (loss) carried forward14€1.37M€1.75M▲
Provisions and deferred taxes16€33k€39k▲
Provisions for liabilities and charges160/5€33k€39k▲
Other liabilities and charges164/5€33k€39k▲
Amounts payable17/49€473k€1.08M▲
Amounts payable within one year42/48€472k€1.08M▲
Trade debts44€144k€274k▲
Suppliers440/4€144k€274k▲
Advances received on contracts in progress46€28k€145k▲
Taxes, remuneration and social security45€175k€117k▼
Taxes450/3€143k€79k▼
Remuneration and social security454/9€32k€37k▲
Other amounts payable47/48€126k€548k▲
Accrued charges and deferred income492/3€436€551▲
Income statement
Code20242025
Remuneration, social security and pensions62€396k€458k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€64k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€24k€-11k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€4k-
Other operating charges640/8€22k€75k▲
Gross operating margin9900€1.13M€1.09M▼
Operating profit (loss)9901€653k€499k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€647k€492k▼
Income taxes67/77€169k€119k▼
Profit (loss) for the period9904€477k€373k▼
Profit (loss) for the period to be appropriated9905€477k€373k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.37M€1.75M▲
Profit (loss) brought forward from the previous period14P€897k€1.37M▲
Transfer from equity791/2€70k€487k▲
Profit to be distributed694/7€70k€487k▲
Return on contributions (dividend)694€70k€487k▲
Social balance
Average headcount (FTE)90876.97.8▲
The notes to these accounts (6 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €477k ▲35.6%
Operating result €653k, net result €477k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €2MEq €2.02M ▲10.5%
6 profitable years in a row build equity to €2.02M.
06-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 6 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 22 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 23 days late
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €80k ▼13%
Net result drops to €80k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Hannut · 1 establishment unit since 2001
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 de Wavre 394280 HannutGround area
2,032 m²
Building footprint
296 m²
Volume, LiDAR
2,194 m³
2 parcels, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Route de Wavre (THIS) 39, 4280 Hannut
since 20012.095.097.951
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64066B0423/00F000 | Wallonia | 1,765 m² | 1 · 171 m² | 10.0 m · 3 fl. |
| 64034A0450/00N003 | Wallonia | 267 m² | 1 · 124 m² | 6.5 m · 2 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 10,672 companies in sector 47811 we hold annual accounts for 5,222. 2,219 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-02-2001
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
50200
50302
Sources
Crossroads Bank for EnterprisesNational Bank · 25 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.