Frederik & C° is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.85M and a net result of €-232k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 46% of 5527 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
28 d late
2023
29 d late
2022
30 d late
2021
58 d late
2020
30 d late
2019
27 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.85M▼ 11.1%
2024 · €2.08M
2018: €546k
2019: €481k
2020: €415k
2021: €1.42M
2022: €1.27M
2023: €1.55M
2024: €2.08M
2018 → 2025
Net result
€-232k
2024 · €531k
2018: €3k
2019: €-65k
2020: €-66k
2021: €1.00M
2022: €-151k
2023: €281k
2024: €531k
2018 → 2025
Total assets
€3.97M▼ 22.3%
2024 · €5.11M
2018: €1.46M
2019: €1.19M
2020: €1.12M
2021: €2.50M
2022: €3.19M
2023: €4.30M
2024: €5.11M
2018 → 2025
Solvency
46.5%▲ 5.8pp
2024 · 40.6%
2018: 37.3%
2019: 40.6%
2020: 37.2%
2021: 56.7%
2022: 39.7%
2023: 35.9%
2024: 40.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.42M-€1.27M▼ 10.7%€1.55M▲ 22.2%€2.08M▲ 34.3%€1.85M▼ 11.1%
Operating result€-56k-€-148k▼ 166%€301k€606k▲ 102%€-215k
Net result€1.00M-€-151k€281k€531k▲ 89.1%€-232k
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 turns negative in 2025: a loss of €215k after €606k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.97M
Fixed assets
€3.20M▼ 3.4%
Current assets
€775k▼ 56.9%
Equity and liabilities €3.97M
Equity
€1.85M▼ 11.1%
Provisions
€286k▼ 7.3%
Debt
€1.84M▼ 32.4%
The debt ratio falls from 53.3% to 46.3%. Equity and debt are lower.
Key figures and ratios
Solvency
46.5%▲
2024 · 40.6%
ROE
-12.5%▼
2024 · 25.6%
ROA
-5.8%▼
2024 · 10.4%
Debt
€1.84M▼
2024 · €2.72M
Debt ≤ 1 year
€1.42M▼
2024 · €2.02M
Debt > 1 year
€422k▼
2024 · €700k
Income taxes
€0▼
2024 · €61k
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€5.11M€3.97M▼
Fixed assets21/28€3.31M€3.20M▼
Tangible fixed assets22/27€3.02M€2.91M▼
Land and buildings22€3.01M€2.90M▼
Plant, machinery and equipment23€14k€12k▼
Financial fixed assets28€286k€286k=
Current assets29/58€1.80M€775k▼
Stocks and contracts in progress3€662k€0▼
Stocks30/36€662k€0▼
Amounts receivable within one year40/41€1.08M€760k▼
Trade receivables40€963k€652k▼
Other amounts receivable41€116k€108k▼
Cash at bank and in hand54/58€57k€14k▼
Deferred charges and accrued income490/1€468€1k▲
Equity and liabilities
Total equity and liabilities10/49€5.11M€3.97M▼
Equity10/15€2.08M€1.85M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€2.01M€1.78M▼
Non-distributable reserves130/1€9k€9k=
Legal reserve130€9k€9k=
Tax-exempt reserves132€925k€857k▼
Distributable reserves133€1.08M€917k▼
Profit (loss) carried forward14€0-
Provisions and deferred taxes16€308k€286k▼
Deferred taxes168€308k€286k▼
Amounts payable17/49€2.72M€1.84M▼
Amounts payable after more than one year17€700k€422k▼
Financial debts170/4€700k€422k▼
Amounts payable within one year42/48€2.02M€1.42M▼
Current portion of amounts payable after more than one year42€29k€30k▲
Trade debts44€61k€98k▲
Suppliers440/4€61k€98k▲
Advances received on contracts in progress46€11k€8k▼
Taxes, remuneration and social security45€82k€11k▼
Taxes450/3€82k€11k▼
Other amounts payable47/48€1.84M€1.27M▼
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€137k€153k▲
Other operating charges640/8€27k€27k▼
Gross operating margin9900€770k€-36k▼
Operating profit (loss)9901€606k€-215k▼
Financial income75/76B€1€75▲
Recurring financial income75€1€75▲
Financial charges65/66B€35k€39k▲
Recurring financial charges65€35k€39k▲
Profit (loss) for the period before taxes9903€571k€-254k▼
Transfer from deferred taxes780€21k€23k▲
Income taxes67/77€61k€0▼
Profit (loss) for the period9904€531k€-232k▼
Transfer from tax-exempt reserves789€63k€68k▲
Profit (loss) for the period to be appropriated9905€594k€-164k▼
Appropriation of the result
Profit (loss) to be appropriated9906€343k€-164k▼
Profit (loss) brought forward from the previous period14P€-250k€0▲
Transfer from equity791/2-€164k
Transfer to equity691/2€343k€0▼
To other reserves6921€343k€0▼
The notes to these accounts (10 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-232k ▼144%
Net result drops to €-232k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Equity above €2MEq €2.08M ▲34.3%
2 profitable years in a row build equity to €2.08M.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €281k
Net result €281k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-12
Financial
Back to profitnet €1.00M
Net result €1.00M after 2 loss-making years.
31-12
Financial
Equity above €1MEq €1.42M ▲241%
Equity rises from €415k to €1.42M.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Brugge · 1 establishment unit since 2004
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.
Molenmeers 118000 BruggeGround area
1,316 m²
Building footprint
762 m²
Volume, LiDAR
6,067 m³
Parcel 31005A0496/00G000, Flanders · tallest building 14.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Frederik & C°
since 20042.139.590.762
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31005A0496/00G000 | Flanders | 1,316 m² | 1 · 762 m² | 14.9 m · 2 fl. |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 11,149 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-07-2004
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.
General meetings
2 convocationsExtraordinary general meeting
Agenda
als de eerste buitengewone algemene vergadering, te weten : (1) a) Lezing van het verslag van de raad van bestuur met verant- woording nopens de uitbreiding van het maatschappelijk doel en van de bijgevoegde staat van actief en passief die niet meer dan drie (3) maand voordien werd opgemaakt. b) Wijziging van het maatschappelijk doel en aanpassing van artikel 3 van de statuten. (2) Machtiging aan de raad van bestuur tot uitvoering van de beslis- sing genomen door de algemene vergadering en aan de ondergete- kende notaris, om de statuten te coördineren in overeenstemming met het genomen besluit. Overeenkomstig artikel 559 W. venn. zal voormelde agenda aange- nomen worden mits vier/vijfden mee ...
Extraordinary general meeting
Agenda
(1) a) Lezing van het verslag van de raad van bestuur met verant- woording nopens de uitbreiding van het maatschappelijk doel en van de bijgevoegde staat van actief en passief die niet meer dan drie (3) maanden voordien werd opgemaakt. b) Wijziging van het maatschappelijk doel en aanpassing van arti- kel 3 van de statuten. (2) Machtiging aan de raad van bestuur tot uitvoering van de beslis- sing genomen door de algemene vergadering en aan de ondergete- kende notaris om de statuten te coördineren in overeenstemming met het genomen besluit. Het verslag van de raad van bestuur, evenals de staat van activa en passiva liggen ter inzage van de aandeelhouders op de zetel van de vennootschap die er ...