FRAVERT
Annual accounts 2025
abbreviated format, filed on 31-08-2026, 31 days late€1.6m
▲ 0.1%
€3.3m
▲ 91.2%
€892
▼ 98.2%
47.0%
▼ 42.8 percentage points
0.1%
▼ 3.1 percentage points
0.0%
▼ 2.8 percentage points
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance sheet
balance sheet total €3.3m on 31-12-2025What the company ownsHow it is paid for
in €m
in euro
Position in the sector
47.0%
Higher than 47% of 6,708 companies in 2025.
0.0%
Higher than 20% of 6,673 companies in 2025.
FRAVERT
Middle half of the sector
80% of the sector
Abbreviated accounts in financial services (NACE 64)
Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||||||||||
20/58 |
3.3m | 1.7m | 1.7m | 1.7m | 1.4m | 1.4m | 1.4m | 1.4m | 1.4m | 1.4m | 1.4m | 1.4m | 2.1m | 2.0m | 2.6m | 2.6m | 2.5m | 2.6m | 2.5m | |
21/28 |
2.3m | 769,682 | 730,117 | 736,462 | 565,965 | 608,125 | 810,615 | 878,056 | 814,139 | 718,612 | 893,232 | 993,724 | 1.8m | 1.7m | 2.3m | 2.3m | 2.3m | 2.3m | 2.4m | |
22/27 |
2.3m | 769,682 | 730,117 | 736,462 | 565,965 | 608,125 | 647,120 | 714,562 | 650,644 | 718,612 | 729,738 | 705,229 | - | - | - | - | - | - | - | |
22 |
2.3m | 766,053 | 722,166 | 574,053 | 549,099 | 588,099 | 647,120 | 709,217 | 639,955 | 702,578 | 708,359 | 705,229 | - | - | - | - | - | - | - | |
23 |
- | 0 | 224 | 581 | 939 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
24 |
0 | 3,629 | 7,728 | 11,827 | 15,926 | 20,025 | - | 5,345 | 10,690 | 16,034 | 21,379 | - | - | - | - | - | - | - | - | |
27 |
- | - | 0 | 150,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
28 |
- | - | - | - | - | - | 163,494 | 163,494 | 163,494 | - | 163,494 | 288,494 | 1.8m | 1.7m | 2.3m | 2.3m | 2.3m | 2.3m | 2.4m | |
29/58 |
1.1m | 979,751 | 972,126 | 985,339 | 858,850 | 780,415 | 558,055 | 487,932 | 541,292 | 634,210 | 499,192 | 409,207 | 248,782 | 302,491 | 268,104 | 237,913 | 191,923 | 215,535 | 146,950 | |
29 |
211,292 | 528,689 | 443,494 | 303,494 | 163,494 | 163,494 | - | - | - | - | - | 105,000 | 100,000 | 95,000 | 90,000 | 85,000 | 84,097 | 80,470 | 76,843 | |
291 |
211,292 | 528,689 | 443,494 | 303,494 | 163,494 | 163,494 | - | - | - | - | - | 105,000 | 100,000 | 95,000 | 90,000 | 85,000 | 84,097 | 80,470 | 76,843 | |
40/41 |
25,728 | 49,112 | 120,904 | 189,793 | 166,145 | 134,796 | 141,416 | 33,709 | 52,349 | 194,690 | 134,127 | 276,531 | 137,712 | 195,955 | 172,531 | 150,353 | 103,852 | 132,551 | 61,218 | |
40 |
61 | 128 | - | - | - | 0 | 12,052 | - | - | 4,000 | 4,000 | 133,758 | 129,758 | 188,782 | 158,871 | 139,691 | 100,485 | 129,184 | 58,322 | |
41 |
25,667 | 48,984 | 120,904 | 189,793 | 166,145 | 134,796 | 129,364 | 33,709 | 52,349 | 190,690 | 130,127 | 142,773 | 7,954 | 7,174 | 13,660 | 10,662 | 3,367 | 3,367 | 2,896 | |
50/53 |
282,652 | 280,865 | 279,803 | 412,674 | 405,475 | 403,141 | 396,593 | 281,814 | 193,038 | - | - | - | - | - | - | - | - | - | - | |
54/58 |
521,780 | 85,307 | 127,925 | 79,378 | 123,735 | 60,954 | 18,557 | 150,889 | 274,634 | 439,520 | 365,065 | 27,676 | 10,636 | 11,102 | 3,294 | 281 | 1,695 | 236 | 6,611 | |
490/1 |
37,169 | 35,778 | - | - | 0 | 18,030 | 1,488 | 21,520 | 21,271 | - | - | - | 434 | 434 | 2,279 | 2,279 | 2,279 | 2,279 | 2,279 | |
| Balance sheet: equity and liabilities | ||||||||||||||||||||
10/49 |
3.3m | 1.7m | 1.7m | 1.7m | 1.4m | 1.4m | 1.4m | 1.4m | 1.4m | 1.4m | 1.4m | 1.4m | 2.1m | 2.0m | 2.6m | 2.6m | 2.5m | 2.6m | 2.5m | |
10/15 |
1.6m | 1.6m | 1.5m | 1.4m | 1.2m | 1.2m | 1.2m | 1.2m | 1.2m | 1.2m | 1.1m | 1.1m | 1.5m | 1.5m | 1.9m | 1.9m | 1.9m | 1.9m | 1.9m | |
10/11 |
150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 1.5m | 1.5m | 1.5m | 1.5m | 1.5m | 1.5m | 1.5m | |
10 |
150,000 | 150,000 | 150,000 | 150,000 | 150,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
100 |
150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 | 1.5m | 1.5m | 1.5m | 1.5m | 1.5m | 1.5m | 1.5m | |
13 |
1.4m | 1.4m | 1.4m | 1.2m | 1.1m | 1.1m | 1.0m | 1.0m | 1.0m | 1.0m | 977,378 | 981,974 | 411,842 | 411,842 | 411,842 | 435,312 | 450,000 | 450,000 | 450,000 | |
130/1 |
103,776 | 103,776 | 103,776 | 103,776 | 103,776 | 103,776 | 88,776 | 88,776 | - | - | - | - | - | - | - | - | - | - | - | |
130 |
15,000 | 15,000 | 15,000 | 15,000 | 15,000 | 15,000 | 15,000 | 15,000 | 15,000 | 15,000 | 15,000 | 15,000 | 145,000 | 145,000 | 145,000 | 145,000 | 145,000 | 145,000 | 145,000 | |
1312 |
88,776 | 88,776 | 88,776 | 88,776 | 88,776 | - | 88,776 | 88,776 | - | - | - | - | - | - | - | - | - | - | - | |
133 |
1.3m | 1.3m | 1.3m | 1.1m | 974,132 | 951,610 | 934,626 | 916,334 | 999,856 | 988,046 | 962,378 | 966,974 | 266,842 | 266,842 | 266,842 | 290,312 | 305,000 | 305,000 | 305,000 | |
14 |
- | - | - | - | - | - | - | - | - | - | - | - | -336,825 | -403,761 | - | - | 13,043 | 29,329 | 20,640 | |
17/49 |
1.8m | 179,448 | 181,272 | 335,117 | 196,906 | 183,153 | 180,267 | 195,879 | 190,575 | 199,776 | 265,046 | 270,956 | 542,585 | 527,700 | 751,973 | 698,313 | 624,591 | 631,918 | 584,492 | |
17 |
1.6m | 100,000 | 100,000 | 100,000 | 135,000 | 135,000 | 140,000 | 155,000 | 155,000 | 155,000 | 155,000 | 191,000 | 491,000 | 456,000 | 671,000 | 630,750 | 530,000 | 349,756 | 314,756 | |
170/4 |
1.1m | - | - | - | - | 135,000 | 140,000 | 155,000 | 155,000 | - | - | - | - | - | - | - | - | - | - | |
178/9 |
514,701 | 100,000 | 100,000 | 100,000 | 135,000 | - | - | - | - | 155,000 | 155,000 | 191,000 | 491,000 | 456,000 | 671,000 | 630,750 | 530,000 | 349,756 | 314,756 | |
42/48 |
112,636 | 42,401 | 60,680 | 221,963 | 22,431 | 14,172 | 17,767 | 25,379 | 27,825 | 37,026 | 110,046 | 24,167 | 17,215 | 55,827 | 55,856 | 45,157 | 74,816 | 258,705 | 237,173 | |
42 |
74,524 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 55,776 | |
44 |
3,244 | 12,411 | 5,000 | 170,669 | 1,227 | 25 | 5,518 | 13,411 | 6,620 | 4,269 | 72,277 | 2,114 | 98 | 4,691 | 4,235 | 4,328 | 756 | 1,513 | - | |
440/4 |
3,244 | 12,411 | 5,000 | 170,669 | 1,227 | 25 | 5,518 | 13,411 | 6,620 | 4,269 | 72,277 | 2,114 | 98 | 4,691 | 4,235 | 4,328 | 756 | 1,513 | - | |
45 |
24 | 593 | 25,181 | 10,645 | 7,056 | 0 | 602 | 320 | 3,486 | 3,506 | 18 | 11,437 | - | - | - | - | 4,132 | 3,175 | 3,443 | |
450/3 |
24 | 593 | 25,181 | 10,645 | 7,056 | 0 | 602 | 320 | 3,486 | 3,506 | 18 | 11,437 | - | - | - | - | 4,132 | 3,175 | 3,443 | |
47/48 |
34,844 | 29,397 | 30,500 | 40,650 | 14,147 | 14,147 | 11,647 | 11,647 | 17,719 | 29,251 | 37,751 | 10,617 | 17,117 | 51,136 | 51,621 | 40,829 | 69,928 | 254,017 | 177,954 | |
492/3 |
43,614 | 37,046 | 20,592 | 13,154 | 39,476 | 33,981 | 22,500 | 15,500 | 7,750 | 7,750 | - | 55,789 | 34,370 | 15,873 | 25,117 | 22,405 | 19,775 | 23,458 | 32,564 | |
| Income statement | ||||||||||||||||||||
76A |
- | - | - | - | 0 | 12,676 | - | - | - | - | - | 832,897 | 24,500 | - | - | - | - | - | - | |
9900 |
103,621 | 118,290 | 264,442 | 255,704 | 94,885 | 96,155 | 110,021 | 100,161 | 105,492 | 117,580 | 77,289 | 131,288 | 53,202 | 23,721 | 10,232 | 3,153 | 10,888 | 34,610 | 44,468 | |
630 |
50,011 | 38,605 | 28,758 | 20,503 | 43,233 | 59,492 | 73,409 | 73,389 | 67,968 | 67,998 | 65,219 | 62,248 | - | - | - | - | - | - | - | |
640/8 |
23,591 | 22,532 | 21,876 | 23,343 | 19,478 | 20,977 | 18,642 | 18,312 | 18,279 | 17,956 | 18,253 | 1,603 | 1,066 | 1,148 | 953 | 1,135 | 1,137 | 1,275 | 1,241 | |
66A |
- | - | - | - | - | - | - | - | - | - | - | -15,350 | - | 785,922 | - | - | - | - | - | |
9901 |
30,019 | 57,153 | 213,809 | 211,858 | 32,174 | 15,686 | 17,971 | 8,461 | 19,245 | 31,625 | -6,183 | 67,436 | 52,136 | 22,573 | 9,279 | 2,018 | 9,750 | 33,335 | 43,228 | |
75/76B |
28,095 | 17,407 | 1,950 | 9,006 | 3,940 | 9,110 | 9,666 | 4,905 | 4,905 | 5,437 | 9,954 | 23,432 | 24,694 | 396,841 | 4,582 | 3,647 | 3,754 | 3,692 | 3,733 | |
75 |
28,095 | 17,407 | 1,950 | 9,006 | 3,940 | 9,110 | 9,666 | 4,905 | 4,905 | 5,437 | 9,954 | 23,432 | 24,694 | 396,841 | 4,582 | 3,647 | 3,754 | 3,692 | 3,733 | |
65/66B |
56,825 | 10,541 | 16,706 | 4,423 | 5,507 | 5,309 | 8,830 | 7,791 | 7,792 | 7,792 | 8,305 | 21,476 | 34,393 | 37,252 | 37,332 | 33,395 | 29,789 | 25,445 | 23,994 | |
65 |
56,825 | 10,541 | 16,706 | 4,423 | 5,507 | 5,309 | 8,830 | 7,791 | 7,792 | 7,792 | 8,305 | 21,476 | 34,393 | 37,252 | 37,332 | 33,395 | 29,789 | 25,445 | 23,994 | |
9903 |
1,289 | 64,018 | 199,053 | 216,442 | 30,606 | 19,487 | 18,807 | 5,575 | 16,358 | 29,270 | -4,535 | 917,640 | 66,937 | -403,761 | -23,470 | -27,730 | -16,285 | 11,581 | 22,967 | |
67/77 |
397 | 15,004 | 64,766 | 57,666 | 8,085 | 2,503 | 515 | 320 | 4,549 | 3,602 | 61 | 11,444 | 1 | - | - | 0 | 1 | 2,893 | 5,737 | |
9904 |
892 | 49,014 | 134,287 | 158,775 | 22,522 | 16,984 | 18,292 | 5,254 | 11,809 | 25,668 | -4,596 | 906,196 | 66,936 | -403,761 | -23,470 | -27,731 | -16,286 | 8,688 | 17,230 | |
9905 |
892 | 49,014 | 134,287 | 158,775 | 22,522 | 16,984 | 18,292 | 5,254 | 11,809 | 25,668 | -4,596 | 906,196 | 66,936 | -403,761 | -23,470 | -27,731 | -16,286 | 8,688 | 17,230 | |
| Appropriation of the result | ||||||||||||||||||||
9906 |
892 | 49,014 | 134,287 | 158,775 | 22,522 | 16,984 | 18,292 | 5,254 | 11,809 | 25,668 | -4,596 | 569,370 | -336,825 | -403,761 | -23,470 | -14,688 | 13,043 | 29,329 | 20,640 | |
791/2 |
- | - | - | - | - | - | - | - | - | - | 4,596 | - | - | - | 23,470 | 14,688 | - | - | - | |
691/2 |
892 | 49,014 | 134,287 | 158,775 | 22,522 | 16,984 | 18,292 | 5,254 | 11,809 | 25,668 | - | 569,370 | - | - | - | - | - | - | - | |
6921 |
892 | 49,014 | 134,287 | 158,775 | 22,522 | 16,984 | 18,292 | 5,254 | 11,809 | 25,668 | - | 569,370 | - | - | - | - | - | - | - | |
| Document | ||||||||||||||||||||
The accounts for 7 older financial years (2000-2006) were filed as documents without figures as data, scans for example.
The notes to these accounts have 10 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00478497.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 31-08-2026 | 2026-00478497 | |
| 31-12-2024 | micro format | 18-07-2025 | 2025-00285554 | |
| 31-12-2023 | micro format | 31-08-2024 | 2024-00450391 | |
| 31-12-2022 | micro format | 31-07-2023 | 2023-00295491 | |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20371173 | |
| 31-12-2020 | micro format | 16-11-2021 | 2021-77400190 | |
| 31-12-2019 | micro format | 02-10-2020 | 2020-58400554 | |
| 31-12-2018 | micro format | 30-09-2019 | 2019-66600179 | |
| 31-12-2017 | micro format | 28-08-2018 | 2018-50700275 | |
| 31-12-2016 | micro format | 31-08-2017 | 2017-54900303 | |
| 31-12-2015 | abbreviated format | 26-07-2016 | 2016-37000517 | |
| 31-12-2014 | abbreviated format | 31-08-2015 | 2015-50900396 | |
| 30-06-2013 | abbreviated format | 13-12-2013 | 2013-68600362 | |
| 30-06-2012 | abbreviated format | 21-12-2012 | 2012-67100304 | |
| 30-06-2011 | abbreviated format | 13-01-2012 | 2012-00700597 | |
| 30-06-2010 | abbreviated format | 31-01-2011 | 2011-02400300 | |
| 30-06-2009 | abbreviated format | 08-01-2010 | 2010-00700024 | |
| 30-06-2008 | abbreviated format | 21-01-2009 | 2009-01700196 | |
| 30-06-2007 | abbreviated format | 21-12-2007 | 2007-84000311 | |
| 30-06-2006 | abbreviated format | 18-12-2006 | 2006-91103431 | |
| 30-06-2005 | abbreviated format | 21-12-2005 | 2005-90204042 | |
| 30-06-2004 | abbreviated format | 09-12-2004 | 2004-84500262 | |
| 30-06-2003 | abbreviated format | 12-01-2004 | 2004-01004181 | |
| 30-06-2002 | abbreviated format | 18-02-2003 | 2003-04803520 | |
| 30-06-2001 | abbreviated format | 04-12-2001 | 2001-73500922 | |
| 30-06-2000 | abbreviated format | 25-01-2001 | 2001-02504265 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.5m | 78,169 | 172,413 | 191,000 | 1,074 | 20,496 | 5,967 | 137,306 | 163,494 | 56,872 | 239,728 | 2.0m | 135,530 | 349,470 | - | - | - | - | 297,000 | ||
| 436,473 | -42,618 | 48,547 | -44,357 | 62,781 | 42,397 | -132,332 | -123,745 | -164,886 | 74,455 | 337,389 | 17,040 | -466 | 7,808 | 3,013 | -1,413 | 1,459 | -6,375 | - | ||
| 47.0% | 89.7% | 89.4% | 80.5% | 86.2% | 86.8% | 86.8% | 85.7% | 85.9% | 85.2% | 81.0% | 80.7% | 73.8% | 73.4% | 71.2% | 73.0% | 75.4% | 75.3% | 76.7% | ||
| 0.1% | 3.1% | 8.8% | 11.5% | 1.8% | 1.4% | 1.5% | 0.4% | 1.0% | 2.2% | -0.4% | 80.1% | 4.4% | -27.7% | -1.3% | -1.5% | -0.9% | 0.5% | 0.9% | ||
| 0.0% | 2.8% | 7.9% | 9.2% | 1.6% | 1.2% | 1.3% | 0.4% | 0.9% | 1.9% | -0.3% | 64.6% | 3.2% | -20.3% | -0.9% | -1.1% | -0.6% | 0.3% | 0.7% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Securities and guarantees
on own assets and for others| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Mortgages, amount registered | €1.3m | - | - | - | - |
| Carrying value of the mortgaged assets | €2.2m | - | - | - | - |
Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €1.5m | €78,169 | €172,413 | €191,000 | €1,074 |
| €50,011 | €38,605 | €28,758 | €20,503 | €43,233 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on FRAVERT
The operating result for 2025 is 47% lower than in 2024 and the lowest since 2020. It is the second fall in a row.
Debt's share of the balance-sheet total rises from 10.3% to 53.0%. Equity and debt are higher.