FRANK GROFFI
ActiveFRANK GROFFI has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €354k and a net result of €32k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 69% of 16459 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+6
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 7.45 against 7.47 in 2024; short-term debt: 10% and cash: 22.5% of total assets), and 20.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← 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
79.9%
Return on assets
7.3%
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
61 d late
2023
92 d late
2022
68 d late
2021
60 d late
2020
31 d late
2019
20 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€354k▲ 10.1%
2024 · €322k
2018: €146k
2019: €178k
2020: €204k
2021: €253k
2022: €305k
2023: €311k
2024: €322k
2018 → 2025
Total assets
€443k▲ 6.7%
2024 · €415k
2018: €285k
2019: €260k
2020: €269k
2021: €324k
2022: €366k
2023: €352k
2024: €415k
2018 → 2025
Net result
€32k▲ 207%
2024 · €11k
2018: €35k
2019: €33k
2020: €26k
2021: €49k
2022: €52k
2023: €6k
2024: €11k
2018 → 2025
Working capital
€285k▲ 21.5%
2024 · €234k
2018: €37k
2019: €65k
2020: €92k
2021: €126k
2022: €208k
2023: €232k
2024: €234k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€253k-€305k▲ 20.7%€311k▲ 1.8%€322k▲ 3.4%€354k▲ 10.1%
Operating result€70k-€78k▲ 11.3%€39k▼ 49.1%€32k▼ 19.5%€57k▲ 78.3%
Net result€49k-€52k▲ 7.8%€6k▼ 89.4%€11k▲ 90.7%€32k▲ 207%
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 78% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €443k
Fixed assets
€114k▼ 21.2%
Current assets
€329k▲ 21.6%
Equity and liabilities €443k
Equity
€354k▲ 10.1%
Debt
€89k▼ 5.0%
The debt ratio falls from 22.6% to 20.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€88k▲
2024 · €58k
Cash flow
€63k▲
2024 · €37k
Solvency
79.9%▲
2024 · 77.4%
Current ratio
7.45▼
2024 · 7.47
Quick ratio
7.45▼
2024 · 7.47
Debt / equity
0.25▼
2024 · 0.29
ROE
9.2%▲
2024 · 3.3%
ROA
7.3%▲
2024 · 2.5%
Interest coverage
28.98▼
2024 · 36.26
Debt
€89k▼
2024 · €94k
Debt ≤ 1 year
€44k▲
2024 · €36k
Debt > 1 year
€40k▼
2024 · €58k
Income taxes
€19k▲
2024 · €11k
Staff costs
€46k▼
2024 · €47k
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€415k€443k▲
Fixed assets21/28€145k€114k▼
Tangible fixed assets22/27€145k€114k▼
Land and buildings22€58k€50k▼
Plant, machinery and equipment23€10k€9k▼
Furniture and vehicles24€77k€56k▼
Current assets29/58€271k€329k▲
Amounts receivable within one year40/41€2k€11k▲
Trade receivables40-€4k
Other amounts receivable41€2k€7k▲
Current investments50/53€164k€213k▲
Cash at bank and in hand54/58€101k€100k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€415k€443k▲
Equity10/15€322k€354k▲
Contributions10/11€12k€12k=
Reserves13€309k€342k▲
Distributable reserves133€309k€342k▲
Amounts payable17/49€94k€89k▼
Amounts payable after more than one year17€58k€40k▼
Financial debts170/4€58k€40k▼
Amounts payable within one year42/48€36k€44k▲
Current portion of amounts payable after more than one year42€16k€18k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€16k€24k▲
Taxes450/3€11k€19k▲
Remuneration and social security454/9€5k€6k▲
Accrued charges and deferred income492/3-€5k
Income statement
Code20242025
Remuneration, social security and pensions62€47k€46k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€31k▲
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€710€614▼
Gross operating margin9900€108k€138k▲
Operating profit (loss)9901€32k€57k▲
Financial income75/76B€353€614▲
Recurring financial income75€353€614▲
Financial charges65/66B€11k€6k▼
Recurring financial charges65€2k€3k▲
Non-recurring financial charges66B€9k€3k▼
Profit (loss) for the period before taxes9903€21k€51k▲
Income taxes67/77€11k€19k▲
Profit (loss) for the period9904€11k€32k▲
Profit (loss) for the period to be appropriated9905€11k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€32k▲
Transfer to equity691/2€11k€32k▲
To other reserves6921€11k€32k▲
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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Weakest financial yearnet €6k ▼89.4%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 68 days late
2022
31-12
Financial
Highest result since 2018net €52k ▲7.8%
Operating result €78k, net result €52k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €200kEq €204k ▲14.5%
3 profitable years in a row build equity to €204k.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
31-12
Financial
Equity above €150kEq €178k ▲22.5%
2 profitable years in a row build equity to €178k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 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, Heist-op-den-Berg · 1 establishment unit since 1997
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.
Schrieksesteenweg 1102221 Heist-op-den-BergGround area
1,322 m²
Building footprint
341 m²
Volume, LiDAR
2,211 m³
Parcel 12006D0580/00G003, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Schrieksesteenweg 110, 2221 Heist-op-den-Berg
since 19972.207.475.421
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12006D0580/00G003 | Flanders | 1,322 m² | 1 · 341 m² | 10.4 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.
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ALY DENT
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ConsTand
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Dentaligna
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KEIROUZ DENTISTERIE-ESTHETIQUE
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TANDARTSENPRAKTIJK KRIS LENOIR
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Of 6,942 companies in sector 86230 we hold annual accounts for 4,290. 3,633 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-1997
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.