FRANK RONVAL
ActiveFRANK RONVAL has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €364k and a net result of €83k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 76% of 641 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+5
Solvency97▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.91 against 2.35 in 2024; short-term debt: 28.2% and cash: 32.4% of total assets), and 28.2% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
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
71.8%
Return on assets
16.4%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
34 d early
2022
3 d early
2021
30 d late
2020
31 d late
2019
27 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
€364k▲ 29.5%
2024 · €281k
2018: €186k
2019: €238k
2020: €209k
2021: €196k
2022: €217k
2023: €229k
2024: €281k
2018 → 2025
Total assets
€507k▲ 22.5%
2024 · €414k
2018: €309k
2019: €346k
2020: €364k
2021: €356k
2022: €378k
2023: €367k
2024: €414k
2018 → 2025
Net result
€83k▲ 59.1%
2024 · €52k
2018: €5k
2019: €53k
2020: €25k
2021: €32k
2022: €37k
2023: €12k
2024: €52k
2018 → 2025
Working capital
€274k▲ 52.9%
2024 · €179k
2018: €78k
2019: €130k
2020: €92k
2021: €71k
2022: €75k
2023: €104k
2024: €179k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€196k-€217k▲ 10.6%€229k▲ 5.7%€281k▲ 22.8%€364k▲ 29.5%
Operating result€53k-€56k▲ 5.6%€27k▼ 52.0%€84k▲ 213%€131k▲ 56.2%
Net result€32k-€37k▲ 14.5%€12k▼ 66.5%€52k▲ 321%€83k▲ 59.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 56% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €507k
Fixed assets
€90k▼ 11.5%
Current assets
€417k▲ 33.6%
Equity and liabilities €507k
Equity
€364k▲ 29.5%
Debt
€143k▲ 7.7%
The debt ratio falls from 32.1% to 28.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€154k▲
2024 · €106k
Cash flow
€106k▲
2024 · €75k
Solvency
71.8%▲
2024 · 67.9%
Current ratio
2.91▲
2024 · 2.35
Quick ratio
2.91▲
2024 · 2.35
Debt / equity
0.39▼
2024 · 0.47
ROE
22.8%▲
2024 · 18.6%
ROA
16.4%▲
2024 · 12.6%
Interest coverage
14.83▲
2024 · 11.42
Debt
€143k▲
2024 · €133k
Debt ≤ 1 year
€143k▲
2024 · €133k
Income taxes
€38k▲
2024 · €22k
Staff costs
€143k▼
2024 · €166k
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€414k€507k▲
Fixed assets21/28€102k€90k▼
Tangible fixed assets22/27€102k€90k▼
Land and buildings22€86k€70k▼
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€9k€15k▲
Current assets29/58€312k€417k▲
Amounts receivable within one year40/41€168k€194k▲
Trade receivables40€163k€194k▲
Other amounts receivable41€5k-
Current investments50/53-€40k
Cash at bank and in hand54/58€144k€165k▲
Deferred charges and accrued income490/1€824€19k▲
Equity and liabilities
Total equity and liabilities10/49€414k€507k▲
Equity10/15€281k€364k▲
Contributions10/11€19k€19k=
Reserves13€236k€318k▲
Distributable reserves133€236k€318k▲
Profit (loss) carried forward14€27k€27k=
Amounts payable17/49€133k€143k▲
Amounts payable within one year42/48€133k€143k▲
Trade debts44€6k€11k▲
Suppliers440/4€6k€11k▲
Taxes, remuneration and social security45€28k€47k▲
Taxes450/3€16k€36k▲
Remuneration and social security454/9€12k€10k▼
Other amounts payable47/48€99k€86k▼
Income statement
Code20242025
Non-recurring operating income76A-€9k
Remuneration, social security and pensions62€166k€143k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€276k€301k▲
Operating profit (loss)9901€84k€131k▲
Financial income75/76B€105€420▲
Recurring financial income75€105€420▲
Financial charges65/66B€9k€10k▲
Recurring financial charges65€9k€10k▲
Profit (loss) for the period before taxes9903€74k€121k▲
Income taxes67/77€22k€38k▲
Profit (loss) for the period9904€52k€83k▲
Profit (loss) for the period to be appropriated9905€52k€83k▲
Appropriation of the result
Profit (loss) to be appropriated9906€79k€110k▲
Profit (loss) brought forward from the previous period14P€27k€27k=
Transfer to equity691/2€52k€83k▲
To other reserves6921€52k€83k▲
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €83k ▲59.1%
Operating result €131k, net result €83k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €217k ▲10.6%
5 profitable years in a row build equity to €217k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Equity above €200kEq €238k ▲28.4%
2 profitable years in a row build equity to €238k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Linter · 2 establishment units since 2003
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.
Oplinterstraat(WOM) 533350 LinterGround area
3,596 m²
Building footprint
649 m²
Volume, LiDAR
3,169 m³
2 parcels, Flanders · tallest building 14.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
FRANK RONVAL BVBA
since 20032.126.449.539
Oplinterstraat(WOM) 53, 3350 Linter
since 20032.126.449.440
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71364D0542/00N002 | Flanders | 2,079 m² | 1 · 441 m² | 14.7 m · 1 fl. |
| 24128A0072/00K000 | Flanders | 1,517 m² | 1 · 208 m² | 10.1 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.
Similar companies · same sector, comparable size
APEX ORTHOPEDIE
BE 0733.826.378
Orp-Jauche · Eq €364k
OOGA
BE 0827.624.487
Dendermonde · Eq €365k
DENTAL ART
BE 0883.114.130
Zottegem · Eq €365k
TELEMECO
BE 0447.551.070
Leuven · Eq €367k
Bosmans Dentaal Labo
BE 0764.759.876
Sint-Katelijne-Waver · Eq €370k
Of 1,250 companies in sector 32500 we hold annual accounts for 695. 515 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2003
Fiscal year end31-12
Trade name NL
LABO SCHILLEBEECKX
Activities, NACEBEL
32500Manufacture of medical and dental instruments and supplies
33103
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.