Frank Daems
ActiveFrank Daems has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €40k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 15% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+9
Solvency32▼-68
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.77 against 13.28 in 2024; short-term debt: 92.6% and cash: 64.2% of total assets), and 92.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
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
7.4%
Return on assets
14.4%
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 15% of 31540 sector peers (2025).
NBB · sector comparisonPosition among 31540 sector peers
Solvency
better than 15%
← 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 21-04-2026, 101 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
101 d early
2024
1 d early
2023
on the day
2022
5 d early
2021
11 d early
2020
27 d late
2019
on the day
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▼ 92.8%
2024 · €287k
2018: €162k
2019: €178k
2020: €212k
2021: €222k
2022: €239k
2023: €264k
2024: €287k
2018 → 2025
Total assets
€278k▼ 10.4%
2024 · €311k
2018: €238k
2019: €184k
2020: €220k
2021: €228k
2022: €276k
2023: €285k
2024: €311k
2018 → 2025
Net result
€40k▲ 70.7%
2024 · €24k
2018: €17k
2019: €17k
2020: €34k
2021: €10k
2022: €17k
2023: €24k
2024: €24k
2018 → 2025
Working capital
€-59k
2024 · €286k
2018: €159k
2019: €177k
2020: €212k
2021: €222k
2022: €229k
2023: €253k
2024: €286k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€222k-€239k▲ 7.6%€264k▲ 10.2%€287k▲ 8.9%€21k▼ 92.8%
Operating result€14k-€23k▲ 69.0%€32k▲ 39.8%€32k▼ 2.0%€51k▲ 61.8%
Net result€10k-€17k▲ 69.0%€24k▲ 45.8%€24k▼ 3.9%€40k▲ 70.7%
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 62% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €278k
Fixed assets
€80k▲ 8,662%
Current assets
€198k▼ 35.9%
Equity and liabilities €278k
Equity
€21k▼ 92.8%
Debt
€257k▲ 1,004%
The debt ratio rises from 7.5% to 92.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€61k▲
2024 · €42k
Cash flow
€50k▲
2024 · €34k
Solvency
7.4%▼
2024 · 92.5%
Current ratio
0.77▼
2024 · 13.28
Quick ratio
0.77▼
2024 · 13.28
Debt / equity
12.50▲
2024 · 0.08
ROE
194.8%▲
2024 · 8.2%
ROA
14.4%▲
2024 · 7.6%
Interest coverage
728.18▲
2024 · 95.46
Debt
€257k▲
2024 · €23k
Debt ≤ 1 year
€257k▲
2024 · €23k
Income taxes
€11k▲
2024 · €8k
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€311k€278k▼
Fixed assets21/28€909€80k▲
Tangible fixed assets22/27€909€80k▲
Plant, machinery and equipment23-€122
Furniture and vehicles24€909€79k▲
Current assets29/58€310k€198k▼
Amounts receivable within one year40/41€29k€17k▼
Trade receivables40€16k€17k▲
Other amounts receivable41€12k€720▼
Cash at bank and in hand54/58€281k€179k▼
Deferred charges and accrued income490/1€406€3k▲
Equity and liabilities
Total equity and liabilities10/49€311k€278k▼
Equity10/15€287k€21k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k▲
Distributable reserves133€2k€2k▲
Profit (loss) carried forward14€267k-
Amounts payable17/49€23k€257k▲
Amounts payable within one year42/48€23k€257k▲
Current portion of amounts payable after more than one year42€741-
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€16k€6k▼
Taxes450/3€12k€1k▼
Remuneration and social security454/9€5k€5k=
Other amounts payable47/48-€250k
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€870€973▲
Gross operating margin9900€43k€62k▲
Operating profit (loss)9901€32k€51k▲
Financial income75/76B€570-
Recurring financial income75€570-
Financial charges65/66B€439€84▼
Recurring financial charges65€439€84▼
Profit (loss) for the period before taxes9903€32k€51k▲
Income taxes67/77€8k€11k▲
Profit (loss) for the period9904€24k€40k▲
Profit (loss) for the period to be appropriated9905€24k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€267k€40k▼
Profit (loss) brought forward from the previous period14P€243k-
Transfer from equity791/2-€40k
Transfer to equity691/2-€40k
To other reserves6921-€40k
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
The notes to these accounts (7 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
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €40k ▲70.7%
Operating result €51k, net result €40k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €10k ▼71%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Equity above €200kEq €212k ▲19.2%
3 profitable years in a row build equity to €212k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 10current ratio 31.80
Current ratio from 3.10 to 31.80; short-term debt falls from €76k to €6k.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
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, Mol · 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.
Geelsebaan 532400 MolGround area
1,466 m²
Building footprint
181 m²
Volume, LiDAR
753 m³
Parcel 13433E2174/00E000, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Frank Daems
since 20162.258.011.827
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13433E2174/00E000 | Flanders | 1,466 m² | 1 · 181 m² | 7.3 m · 1 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 82,546 companies in sector 70200 we hold annual accounts for 52,562. 30,853 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-10-2016
Fiscal year end31-12
Abbreviation NL
FRADAE
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.