FRANTEXT
ActiveSummary
FRANTEXT has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-4k) and a net result of €-4k. Equity is shrinking by ~37.2% per year across the filed fiscal years. Its solvency ranks better than 17% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability8▼-31
Solvency13▼-12
Growth22=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.88 against 1.08 in 2024; short-term debt: 111.7% and cash: 65.8% of total assets), and equity is negative.
Credit check 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 · 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-11.7%
Return on assets
-11.8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-4k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
38 d early
2023
30 d late
2022
30 d late
2021
6 d early
2020
13 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€182k▲ 1.8%
2024 · €179k
2018: €377k
2019: €504k▲ +33.7% vs 2018highest in 8 years
2020: €236k▼ -53.1% vs 2019
2021: €231k▼ -2.5% vs 2020
2022: €262k▲ +13.5% vs 2021
2023: €189k▼ -27.9% vs 2022
2024: €179k▼ -5.1% vs 2023lowest in 8 years
2025: €182k▲ +1.8% vs 2024
2018 → 2025
EBIT margin
-1.5%▼ 2.1pp
2024 · 0.5%
2018: 14.2%highest in 8 years
2019: 5.5%▼ -61.5% vs 2018
2020: -9.0%▼ -264% vs 2019
2021: -5.7%▲ +36.1% vs 2020
2022: 1.8%▲ +132% vs 2021
2023: -9.2%▼ -600% vs 2022lowest in 8 years
2024: 0.5%▲ +106% vs 2023
2025: -1.5%▼ -395% vs 2024
2018 → 2025
Net result
€-4k
2024 · €231
2018: €52khighest in 8 years
2019: €21k▼ -60.5% vs 2018
2020: €-17k▼ -184% vs 2019
2021: €-15k▲ +14.0% vs 2020
2022: €3k▲ +120% vs 2021
2023: €-19k▼ -736% vs 2022lowest in 8 years
2024: €231▲ +101% vs 2023
2025: €-4k▼ -1734% vs 2024
2018 → 2025
Working capital
€-4k
2024 · €3k
2018: €23k
2019: €31k▲ +33.7% vs 2018highest in 8 years
2020: €15k▼ -51.6% vs 2019
2021: €5k▼ -68.6% vs 2020
2022: €18k▲ +283% vs 2021
2023: €-634▼ -103% vs 2022
2024: €3k▲ +510% vs 2023
2025: €-4k▼ -261% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€231k-€262k▲ 13.5%€189k▼ 27.9%€179k▼ 5.1%€182k▲ 1.8%
2021: €231k
2022: €262k▲ +13.5% vs 2021highest in 5 years
2023: €189k▼ -27.9% vs 2022
2024: €179k▼ -5.1% vs 2023lowest in 5 years
2025: €182k▲ +1.8% vs 2024
Equity€16k-€19k▲ 18.9%€-197€34€-4k
2021: €16k
2022: €19k▲ +18.9% vs 2021highest in 5 years
2023: €-197▼ -101% vs 2022
2024: €34▲ +117% vs 2023
2025: €-4k▼ -11054% vs 2024lowest in 5 years
Operating result€-13k-€5k€-17k€936€-3k
2021: €-13k
2022: €5k▲ +136% vs 2021highest in 5 years
2023: €-17k▼ -461% vs 2022lowest in 5 years
2024: €936▲ +105% vs 2023
2025: €-3k▼ -400% vs 2024
Net result€-15k-€3k€-19k€231€-4k
2021: €-15k
2022: €3k▲ +120% vs 2021highest in 5 years
2023: €-19k▼ -736% vs 2022lowest in 5 years
2024: €231▲ +101% vs 2023
2025: €-4k▼ -1734% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €936 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €32k
Fixed assets
€437 =
Current assets
€32k ▼ 8.3%
Key figures and ratios
Solvency
-11.7%▼
2024 · 0.1%
Current ratio
0.88▼
2024 · 1.08
Quick ratio
0.64▼
2024 · 0.76
Debt to equity
-9.56
ROA
-11.8%▼
2024 · 0.7%
Debt
€36k▲
2024 · €35k
Debt ≤ 1 year
€36k▲
2024 · €32k
Income taxes
€332▲
2024 · €265
Staff costs
€30k▲
2024 · €29k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€35k€32k▼
Formation expenses20€0€0=
Fixed assets21/28€437€437=
Tangible fixed assets22/27€0€0=
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€0€0=
Other tangible fixed assets26€0€0=
Financial fixed assets28€437€437=
Current assets29/58€34k€32k▼
Stocks and contracts in progress3€10k€9k▼
Stocks30/36€10k€9k▼
Amounts receivable within one year40/41€115€1k▲
Trade receivables40€78€1k▲
Other amounts receivable41€38€194▲
Cash at bank and in hand54/58€24k€21k▼
Deferred charges and accrued income490/1€373€387▲
Equity and liabilities
Total equity and liabilities10/49€35k€32k▼
Equity10/15€34€-4k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-20k€-24k▼
Amounts payable17/49€35k€36k▲
Amounts payable within one year42/48€32k€36k▲
Financial debts43€1k€751▼
Credit institutions430/8€1k€751▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€15k€16k▲
Taxes450/3€11k€10k▼
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€14k€18k▲
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Turnover70€179k€182k▲
Goods, raw materials, services and sundry goods60/61€151k€157k▲
Remuneration, social security and pensions62€29k€30k▲
Other operating charges640/8€2k€975▼
Gross operating margin9900€31k€28k▼
Operating profit (loss)9901€936€-3k▼
Financial income75/76B€178€0▼
Recurring financial income75€178€0▼
Financial charges65/66B€618€633▲
Recurring financial charges65€618€633▲
Profit (loss) for the period before taxes9903€496€-3k▼
Income taxes67/77€265€332▲
Profit (loss) for the period9904€231€-4k▼
Profit (loss) for the period to be appropriated9905€231€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-24k▼
Profit (loss) brought forward from the previous period14P€-21k€-20k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €231k | €262k | €189k | €179k | €182k | ▲ 1.8% |
| Goods, raw materials, services and sundry goods60/61 | €209k | €225k | €173k | €151k | €157k | ▲ 3.9% |
| Remuneration, social security and pensions62 | €44k | €48k | €36k | €29k | €30k | ▲ 6.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €10k | €5 | - | - | - |
| Other operating charges640/8 | €705 | €1k | €1k | €2k | €975 | ▼ 37.6% |
| Gross operating margin9900 | €42k | €65k | €20k | €31k | €28k | ▼ 8.4% |
| Operating profit (loss)9901 | €-13k | €5k | €-17k | €936 | €-3k | ▼ 400% |
| Financial income75/76B | €16 | €17 | €120 | €178 | €0 | ▼ 99.8% |
| Recurring financial income75 | €16 | €17 | €120 | €178 | €0 | ▼ 99.8% |
| Financial charges65/66B | €1k | €2k | €1k | €618 | €633 | ▲ 2.5% |
| Recurring financial charges65 | €1k | €2k | €1k | €618 | €633 | ▲ 2.5% |
| Profit (loss) for the period before taxes9903 | €-15k | €3k | €-18k | €496 | €-3k | ▼ 794% |
| Income taxes67/77 | €273 | €280 | €352 | €265 | €332 | ▲ 25.5% |
| Profit (loss) for the period9904 | €-15k | €3k | €-19k | €231 | €-4k | ▼ 1,734% |
| Profit (loss) for the period to be appropriated9905 | €-15k | €3k | €-19k | €231 | €-4k | ▼ 1,734% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €81k | €67k | €42k | €35k | €32k | ▼ 8.2% |
| Formation expenses20 | €0 | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | €11k | €442 | €437 | €437 | €437 | = |
| Tangible fixed assets22/27 | €10k | €5 | €0 | €0 | €0 | - |
| Plant, machinery and equipment23 | €0 | €0 | €0 | €0 | €0 | - |
| Furniture and vehicles24 | €10k | €5 | €0 | €0 | €0 | - |
| Other tangible fixed assets26 | €815 | €0 | €0 | €0 | €0 | - |
| Financial fixed assets28 | €437 | €437 | €437 | €437 | €437 | = |
| Current assets29/58 | €71k | €67k | €42k | €34k | €32k | ▼ 8.3% |
| Stocks and contracts in progress3 | €10k | €13k | €11k | €10k | €9k | ▼ 13.8% |
| Stocks30/36 | €10k | €13k | €11k | €10k | €9k | ▼ 13.8% |
| Amounts receivable within one year40/41 | €63 | €430 | €238 | €115 | €1k | ▲ 1,081% |
| Trade receivables40 | €36 | €409 | €238 | €78 | €1k | ▲ 1,406% |
| Other amounts receivable41 | €27 | €21 | €0 | €38 | €194 | ▲ 413% |
| Cash at bank and in hand54/58 | €60k | €53k | €30k | €24k | €21k | ▼ 11.4% |
| Deferred charges and accrued income490/1 | €527 | €348 | €376 | €373 | €387 | ▲ 3.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €81k | €67k | €42k | €35k | €32k | ▼ 8.2% |
| Equity10/15 | €16k | €19k | €-197 | €34 | €-4k | ▼ 11,054% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | - | - | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €-5k | €-2k | €-21k | €-20k | €-24k | ▼ 18.5% |
| Amounts payable17/49 | €66k | €49k | €42k | €35k | €36k | ▲ 2.6% |
| Amounts payable after more than one year17 | €0 | - | - | - | - | - |
| Financial debts170/4 | €0 | - | - | - | - | - |
| Amounts payable within one year42/48 | €66k | €49k | €42k | €32k | €36k | ▲ 12.3% |
| Current portion of amounts payable after more than one year42 | €6k | €0 | - | - | - | - |
| Financial debts43 | €4k | €8k | €5k | €1k | €751 | ▼ 27.7% |
| Credit institutions430/8 | €4k | €8k | €5k | €1k | €751 | ▼ 27.7% |
| Trade debts44 | €4k | €3k | €2k | €2k | €2k | ▼ 10.7% |
| Suppliers440/4 | €4k | €3k | €2k | €2k | €2k | ▼ 10.7% |
| Taxes, remuneration and social security45 | €24k | €17k | €19k | €15k | €16k | ▲ 4.7% |
| Taxes450/3 | €17k | €13k | €11k | €11k | €10k | ▼ 3.8% |
| Remuneration and social security454/9 | €7k | €4k | €7k | €4k | €5k | ▲ 27.6% |
| Other amounts payable47/48 | €27k | €20k | €17k | €14k | €18k | ▲ 26.8% |
| Accrued charges and deferred income492/3 | - | €55 | €0 | €3k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-15k | €3k | €-19k | €231 | €-4k | ▼ 1,734% |
| + Depreciation and write-downs630 | €10k | €10k | €5 | - | - | - |
| Operating cash flow (approximation) | €-4k | €13k | €-19k | €231 | €-4k | ▼ 1,734% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €-7k | €-23k | €-7k | €-3k | ▲ 58.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €231
Net result €231 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
26-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 38 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Berloz · 1 establishment unit since 1995
Ground area
1.1 ha
Building footprint
537 m²
Volume, LiDAR
5,325 m³
2 parcels, Wallonia · tallest building 18.9 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Rue de la Station 9, 4430 Ans
since 19952.055.121.974
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64064A0499/00G000 | Wallonia | 1.0 ha | 1 · 489 m² | 18.9 m · 4 fl. |
| 62332B0026/00Z003 | Wallonia | 146 m² | 1 · 48 m² | - |
Linked by address, not proof of ownership
Good to know
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
NOUR EXPORT
BE 0472.237.273
Rebecq · Eq €79
UNITED STATES OF BELGIUM
BE 0552.542.088
Brussel · Eq €239
INFINITY HOME
BE 0503.943.506
Anderlecht · Eq €245
Of 1,276 companies in sector 46160 we hold annual accounts for 686. 3 are within a factor 10 of this equity. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-11-1991
Fiscal year end31-12
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Scores and ratios are computed by Checked and are not a credit decision.