Frans-Roger
ActiveFrans-Roger has been active since 1966 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €595k and a net result of €78k. Equity is growing by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 39% of 127 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+2
Solvency58▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.25 in 2024; short-term debt: 21.7% and cash: 4.4% of total assets), but 66.9% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 27
Relative position
BE, all sectors
reference
Sector 27
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
33.1%
Return on assets
4.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
29 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
34 d late
2019
94 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, abbreviated schema
Equity
€595k▲ 15.2%
2024 · €517k
2018: €386k
2019: €231k
2020: €259k
2021: €439k
2022: €410k
2023: €466k
2024: €517k
2018 → 2025
Total assets
€1.80M▲ 0.8%
2024 · €1.78M
2018: €557k
2019: €871k
2020: €867k
2021: €1.91M
2022: €1.71M
2023: €1.73M
2024: €1.78M
2018 → 2025
Net result
€78k▲ 54.9%
2024 · €51k
2018: €-30k
2019: €50k
2020: €28k
2021: €180k
2022: €-28k
2023: €56k
2024: €51k
2018 → 2025
Working capital
€211k▲ 89.4%
2024 · €111k
2018: €260k
2019: €393k
2020: €392k
2021: €585k
2022: €-932
2023: €123k
2024: €111k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€439k-€410k▼ 6.5%€466k▲ 13.6%€517k▲ 10.8%€595k▲ 15.2%
Operating result€208k-€-11k€94k€92k▼ 1.7%€132k▲ 43.8%
Net result€180k-€-28k€56k€51k▼ 9.7%€78k▲ 54.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 44% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.80M
Fixed assets
€1.20M▼ 2.2%
Current assets
€601k▲ 7.3%
Equity and liabilities €1.80M
Equity
€595k▲ 15.2%
Debt
€1.20M▼ 5.0%
The debt ratio falls from 71.0% to 66.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€239k▲
2024 · €182k
Cash flow
€184k▲
2024 · €141k
Solvency
33.1%▲
2024 · 29.0%
Current ratio
1.54▲
2024 · 1.25
Quick ratio
1.10▲
2024 · 0.93
Debt / equity
2.02▼
2024 · 2.45
ROE
13.2%▲
2024 · 9.8%
ROA
4.4%▲
2024 · 2.8%
Interest coverage
11.03▲
2024 · 9.87
Debt
€1.20M▼
2024 · €1.27M
Debt ≤ 1 year
€391k▼
2024 · €449k
Debt > 1 year
€811k▼
2024 · €815k
Income taxes
€33k▲
2024 · €25k
Staff costs
€185k▲
2024 · €178k
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€1.78M€1.80M▲
Fixed assets21/28€1.22M€1.20M▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€1.22M€1.19M▼
Land and buildings22€1.07M€1.02M▼
Plant, machinery and equipment23€145k€137k▼
Furniture and vehicles24€4k€40k▲
Financial fixed assets28€31€31=
Current assets29/58€560k€601k▲
Stocks and contracts in progress3€143k€173k▲
Stocks30/36€143k€173k▲
Amounts receivable within one year40/41€407k€340k▼
Trade receivables40€407k€340k▼
Other amounts receivable41-€27
Cash at bank and in hand54/58€6k€79k▲
Deferred charges and accrued income490/1€4k€9k▲
Equity and liabilities
Total equity and liabilities10/49€1.78M€1.80M▲
Equity10/15€517k€595k▲
Contributions10/11€19k€19k=
Reserves13€498k€577k▲
Non-distributable reserves130/1€41k€41k=
Reserves not available under the articles1311€4k€4k=
Other1319€38k€38k=
Tax-exempt reserves132€90k€90k=
Distributable reserves133€367k€445k▲
Amounts payable17/49€1.27M€1.20M▼
Amounts payable after more than one year17€815k€811k▼
Financial debts170/4€815k€811k▼
Amounts payable within one year42/48€449k€391k▼
Current portion of amounts payable after more than one year42€74k€71k▼
Financial debts43€38k€3k▼
Credit institutions430/8€38k€3k▼
Trade debts44€144k€133k▼
Suppliers440/4€144k€133k▼
Taxes, remuneration and social security45€41k€32k▼
Taxes450/3€28k€12k▼
Remuneration and social security454/9€14k€20k▲
Other amounts payable47/48€152k€152k=
Accrued charges and deferred income492/3€1k€38▼
Income statement
Code20242025
Non-recurring operating income76A€727-
Remuneration, social security and pensions62€178k€185k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€90k€106k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-45k
Other operating charges640/8€9k€9k▲
Non-recurring operating charges66A€8k-
Gross operating margin9900€378k€388k▲
Operating profit (loss)9901€92k€132k▲
Financial income75/76B€2k€81▼
Recurring financial income75€2k€81▼
Financial charges65/66B€18k€22k▲
Recurring financial charges65€18k€22k▲
Profit (loss) for the period before taxes9903€75k€111k▲
Income taxes67/77€25k€33k▲
Profit (loss) for the period9904€51k€78k▲
Profit (loss) for the period to be appropriated9905€51k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€51k€78k▲
Transfer to equity691/2€51k€78k▲
To other reserves6921€51k€78k▲
Social balance
Average headcount (FTE)90872.92.8▼
The notes to these accounts (13 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Equity above €500kEq €517k ▲10.8%
2 profitable years in a row build equity to €517k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Back to profitnet €56k
Net result €56k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
07-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €180k ▲540%
Operating result €208k, net result €180k, both a record.
03-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 34 days late
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 94 days late
2019
31-12
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Tessenderlo-Ham · 1 establishment unit since 1966
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.
Geenrode 73980 Tessenderlo-HamGround area
4,000 m²
Building footprint
1,724 m²
Volume, LiDAR
10 m³
Parcel 71363C0983/00G002, Flanders · tallest building 0.3 m. Linked by address, not a title deed.
1 establishment unit
Geenrode 7, 3980 Tessenderlo-Ham
since 19662.039.501.016
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71363C0983/00G002 | Flanders | 4,000 m² | 1 · 1,724 m² | 0.3 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 2,855 EUR awarded · 2,855 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,013 EUR | 2,013 EUR |
| 2023 | 1 | 50 EUR | 50 EUR |
| 2022 | 1 | 792 EUR | 792 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 262 companies in sector 27110 we hold annual accounts for 173. 119 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-03-1966
Fiscal year end31-12
Activities, NACEBEL
27110Manufacture of electrical equipment
33120Repair and maintenance of machinery
45310
46720Wholesale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 50 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.