Checked.be
Active
BE 0441.135.907Private limited company (pre-2019)
FRAVAL
Rue Rosier Bois 91 ·1331 Rixensart, Belgium· 36 yrs active
Sector: Other building cleaning and industrial cleaning
(81220)
Conclusion
FRAVAL has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103k and a net result of €-7k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 93% of 1145 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €103k |
| Net result | €-7k |
| Better than sector | 93% |
| Active | 36 yrs |
Financial profile
64
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
70
Profitability
0
Solvency
100
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1990, 36 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
70
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€7k
estimate, not credit advice
Score history
73
2022
100
2023
70
2024
70
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 7.33 (≥ 1.5)
+10
Quick ratio
Quick ratio 7.33 (≥ 1.0)
+5
Leverage
Debt/equity 0.12 (< 1.0)
+10
Profitability
Negatieve ROE -7%
-10
Interest coverage
Interest coverage 11.8× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 17-07-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile
Too volatile to project: the yearly deviation from the trend is ~85% of the level (threshold 35%). We therefore deliberately show no projection line.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 81, Services to buildings and landscape activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 89.0% | 42.3% | |
| Net result | €-7k | €27k | |
| Equity | €103k | €210k | |
| Gross operating margin | €10k | €267k | |
| Total assets | €116k | €648k |
€8k
-1.2%
22-25
€-7k
-494.8%
22-25
€-5k
-
22-25
€116k
-0.2%
22-25
€103k
-6.5%
22-25
€81k
-12.8%
22-25
€13k
+79.4%
22-25
€13k
+118.9%
22-25
€13k
+118.9%
22-25
7.33
-56.6%
22-25
7.33
-56.6%
22-25
89.0%
-6.3%
22-25
0.12
+134.1%
22-25
-6.9%
-535.9%
22-25
-6.2%
-495.8%
22-25
11.78
+31.3%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | abbreviated schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €8k | €8k | €34k | €4k |
| Net profit | €-7k | €-1k | €25k | €-6k |
| Cash flow | €-5k | €163 | €30k | €-4k |
| Staff costs | - | - | - | - |
| Income taxes | €13k | €7k | €4k | €8k |
| Dividends | - | - | - | - |
| Total assets | €116k | €116k | €112k | €98k |
| Equity | €103k | €110k | €111k | €86k |
| Debt | €13k | €6k | €274 | €12k |
| of which ≤ 1y | €13k | €6k | €274 | €12k |
| of which > 1y | - | - | - | - |
| Working capital | €81k | €93k | €101k | €71k |
| Employees (FTE) | - | - | - | - |
Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, micro schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 7.33 | 16.90 | 370.48 | 7.08 |
| Quick ratio | 7.33 | 16.90 | 370.48 | 7.08 |
| Working capital ratio | 69.8% | 79.9% | 90.7% | 72.7% |
| Solvency | 89.0% | 95.0% | 99.8% | 88.0% |
| Debt / equity | 0.12 | 0.05 | 0.00 | 0.14 |
| Long-term debt ratio | - | - | - | - |
| Interest coverage | 11.78 | 8.98 | 60.85 | 8.24 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | -6.2% | -1.0% | 22.5% | -5.7% |
| ROE | -6.9% | -1.1% | 22.6% | -6.5% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €116k | €116k | €112k | €98k |
| Fixed assets | 21/28 | €22k | €17k | €10k | €15k |
| Tangible fixed assets | 22/27 | €22k | €17k | €10k | €15k |
| Financial fixed assets | 28 | €391 | €391 | €391 | €391 |
| Current assets | 29/58 | €94k | €99k | €102k | €83k |
| Amounts receivable within one year | 40/41 | €93k | €99k | €102k | €83k |
| Cash & bank | 54/58 | €56 | - | - | - |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €116k | €116k | €112k | €98k |
| Equity | 10/15 | €103k | €110k | €111k | €86k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k |
| Reserves | 13 | €2k | €2k | €2k | €2k |
| Accumulated profits (losses) | 14 | €83k | €90k | €91k | €66k |
| Amounts payable | 17/49 | €13k | €6k | €274 | €12k |
| Amounts payable within one year | 42/48 | €13k | €6k | €274 | €12k |
| Trade debts payable within one year | 44 | €8k | €3k | €122 | €5k |
| Income statement | |||||
| Gross operating margin | 9900 | €10k | €15k | €35k | €6k |
| Operating result | 9901 | €6k | €7k | €29k | €3k |
| Financial charges | 65 | €686 | €911 | €565 | €527 |
| Result before taxes | 9903 | €6k | €6k | €29k | €2k |
| Income taxes | 67/77 | €13k | €7k | €4k | €8k |
| Net result for the period | 9904 | €-7k | €-1k | €25k | €-6k |
| Result to be appropriated | 9905 | €-7k | €-1k | €25k | €-6k |
Legal Structure
| NACE primary | Other building cleaning and industrial cleaning(81220) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 02-07-1990 |
| Status | Active |
| Postal code | 1331 |
Establishment units
Scailquinstraat 47, 1210 Sint-Joost-ten-Node
since 19902.049.078.082
Real-estate footprint
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21572B0514/00M000 | Brussels | 1,404 m² | 1 · 650 m² | 37.9 m · 11 fl. |
| 25092B0451/00A006 | Wallonia | 82 m² | 1 · 62 m² | 9.6 m · 3 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Liquidity times 52current ratio 370.48
Current ratio from 7.08 to 370.48; short-term debt falls from €12k to €274.
31-12
Financial
Equity above €100kEq €111k ▲29.2%
Equity rises from €86k to €111k.
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 121 days late
22-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 206 days late
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 243 days late
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 336 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
03-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 187 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
74700Other building cleaning and industrial cleaning81220
Names & trade names
| Legal nameFR | FRAVAL |
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