FRED BATI
ActiveThe computed 12-month bankruptcy probability of FRED BATI is 1.7% (moderate). The 2025 annual accounts show equity of €455k and a net result of €136k. Equity is growing by ~42.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 7452 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+3
Solvency100▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 10.39 against 5.54 in 2024; short-term debt: 5.8% and cash: 7% of total assets), and 19.4% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
80.6%
Return on assets
24.2%
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 23-07-2026, 8 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
8 d early
2024
23 d early
2023
33 d early
2022
35 d early
2021
1 d late
2020
2 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€455k▲ 28.2%
2024 · €355k
2020: €82k
2021: €123k
2022: €206k
2023: €249k
2024: €355k
2020 → 2025
Total assets
€564k▲ 16.5%
2024 · €484k
2020: €141k
2021: €321k
2022: €391k
2023: €423k
2024: €484k
2020 → 2025
Net result
€136k▲ 28.8%
2024 · €106k
2020: €62k
2021: €40k
2022: €83k
2023: €43k
2024: €106k
2020 → 2025
Working capital
€307k▲ 47.4%
2024 · €208k
2020: €81k
2021: €92k
2022: €125k
2023: €113k
2024: €208k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€206k▲ 67.7%€249k▲ 21.0%€355k▲ 42.6%€455k▲ 28.2%
Operating result€56k-€113k▲ 102%€66k▼ 41.6%€155k▲ 135%€194k▲ 24.9%
Net result€40k-€83k▲ 105%€43k▼ 48.0%€106k▲ 145%€136k▲ 28.8%
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 25% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €564k
Fixed assets
€224k▼ 2.4%
Current assets
€340k▲ 33.6%
Equity and liabilities €564k
Equity
€455k▲ 28.2%
Debt
€109k▼ 15.5%
The debt ratio falls from 26.7% to 19.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€220k▲
2024 · €180k
Cash flow
€162k▲
2024 · €131k
Solvency
80.6%▲
2024 · 73.3%
Current ratio
10.39▲
2024 · 5.54
Quick ratio
10.39▲
2024 · 5.54
Debt / equity
0.24▼
2024 · 0.36
ROE
30.0%▲
2024 · 29.9%
ROA
24.2%▲
2024 · 21.9%
Interest coverage
116.88▲
2024 · 90.13
Debt
€109k▼
2024 · €129k
Debt ≤ 1 year
€33k▼
2024 · €46k
Debt > 1 year
€77k▼
2024 · €83k
Income taxes
€56k▲
2024 · €47k
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€484k€564k▲
Fixed assets21/28€230k€224k▼
Tangible fixed assets22/27€229k€224k▼
Land and buildings22€200k€209k▲
Plant, machinery and equipment23€140-
Furniture and vehicles24€29k€14k▼
Financial fixed assets28€400€400=
Current assets29/58€254k€340k▲
Amounts receivable within one year40/41€78k€295k▲
Trade receivables40€62k€274k▲
Other amounts receivable41€16k€21k▲
Cash at bank and in hand54/58€173k€39k▼
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€484k€564k▲
Equity10/15€355k€455k▲
Contributions10/11€20k€20k=
Reserves13€177k€241k▲
Non-distributable reserves130/1€177k€241k▲
Other1319€177k€241k▲
Profit (loss) carried forward14€157k€194k▲
Amounts payable17/49€129k€109k▼
Amounts payable after more than one year17€83k€77k▼
Financial debts170/4€83k€77k▼
Amounts payable within one year42/48€46k€33k▼
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€17k€10k▼
Suppliers440/4€17k€10k▼
Taxes, remuneration and social security45€22k€16k▼
Taxes450/3€20k€13k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€266€10▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€26k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€24k-
Other operating charges640/8€6k€3k▼
Gross operating margin9900€209k€223k▲
Operating profit (loss)9901€155k€194k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€153k€192k▲
Income taxes67/77€47k€56k▲
Profit (loss) for the period9904€106k€136k▲
Profit (loss) for the period to be appropriated9905€106k€136k▲
Appropriation of the result
Profit (loss) to be appropriated9906€212k€294k▲
Profit (loss) brought forward from the previous period14P€106k€157k▲
Transfer from equity791/2-€36k
Transfer to equity691/2€55k€100k▲
To other reserves6921€55k€100k▲
Profit to be distributed694/7-€36k
Return on contributions (dividend)694-€36k
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €136k ▲28.8%
Operating result €194k, net result €136k, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 5.54
Current ratio from 2.35 to 5.54; short-term debt falls from €84k to €46k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €206k ▲67.7%
3 profitable years in a row build equity to €206k.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
31-12
Financial
Weakest financial yearnet €40k ▼35%
Net result drops to €40k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €123k ▲49.2%
2 profitable years in a row build equity to €123k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Binche · 1 establishment unit since 2020
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.
Rue Jean Lefèvre(LEV) 17134 BincheGround area
1,124 m²
Building footprint
269 m²
Volume, LiDAR
1,950 m³
2 parcels, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FRED BATI
since 20202.304.927.955
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56043B0037/00L043 | Wallonia | 798 m² | 1 · 151 m² | 8.5 m · 2 fl. |
| 56011D0128/00C007 | Wallonia | 326 m² | 1 · 118 m² | 10.2 m · 3 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
Dor Nicolas Entreprise
BE 0821.281.875
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SAINT JOSEPH DEVELOPMENT
BE 1025.503.596
Liège · Eq €454k
UP CONSTRUCT
BE 0435.155.559
Kapellen · Eq €455k
ROKA
BE 0817.801.753
Turnhout · Eq €455k
ZAFIR TOTAAL PROJECTEN
BE 0632.671.117
Antwerpen · Eq €454k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 9,600 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-05-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43110Demolition
43240Other construction installation
43299Specialised construction activities
43422Screed work
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.