FREDI GROUP
ActiveFREDI GROUP has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €25k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 27% of 7332 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+45
Solvency46▲+6
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.16 against 4.78 in 2024; short-term debt: 21.1% and cash: 18.7% of total assets), but 79.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
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
20.7%
Return on assets
6.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-01-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
3 d early
2022
60 d late
2021
86 d late
2020
264 d late
2019
119 d late
2018
485 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▲ 45.7%
2024 · €54k
2018: €55k
2019: €62k
2020: €66k
2021: €43k
2022: €53k
2024: €54k
2018 → 2025
Total assets
€379k▲ 4.6%
2024 · €362k
2018: €220k
2019: €198k
2020: €195k
2021: €420k
2022: €396k
2024: €362k
2018 → 2025
Net result
€25k▲ 4,047%
2024 · €594
2018: €55
2019: €7k
2020: €5k
2021: €-23k
2022: €10k
2024: €594
2018 → 2025
Working capital
€253k▲ 4.4%
2024 · €242k
2018: €46k
2019: €56k
2020: €67k
2021: €262k
2022: €261k
2024: €242k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€66k-€43k▼ 34.4%€53k▲ 22.6%€54k▲ 1.1%€78k▲ 45.7%
Operating result€14k-€-18k€16k€8k▼ 51.2%€47k▲ 491%
Net result€5k-€-23k€10k€594▼ 94.0%€25k▲ 4,047%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 491% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €379k
Fixed assets
€47k▼ 17.4%
Current assets
€333k▲ 8.7%
Equity and liabilities €379k
Equity
€78k▲ 45.7%
Debt
€301k▼ 2.5%
The debt ratio falls from 85.1% to 79.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€60k▲
2024 · €12k
Cash flow
€38k▲
2024 · €5k
Solvency
20.7%▲
2024 · 14.9%
Current ratio
4.16▼
2024 · 4.78
Quick ratio
1.23▲
2024 · 1.12
Debt / equity
3.83▼
2024 · 5.73
ROE
31.4%▲
2024 · 1.1%
ROA
6.5%▲
2024 · 0.2%
Interest coverage
6.26▲
2024 · 1.52
Debt
€301k▼
2024 · €309k
Debt ≤ 1 year
€80k▲
2024 · €64k
Debt > 1 year
€221k▼
2024 · €245k
Income taxes
€16k▲
2024 · €7
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€362k€379k▲
Fixed assets21/28€57k€47k▼
Tangible fixed assets22/27€57k€47k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€54k€46k▼
Current assets29/58€306k€333k▲
Stocks and contracts in progress3€234k€234k=
Stocks30/36€234k€234k=
Amounts receivable within one year40/41€37k€27k▼
Trade receivables40€12k€8k▼
Other amounts receivable41€25k€19k▼
Cash at bank and in hand54/58€33k€71k▲
Deferred charges and accrued income490/1€1k€191▼
Equity and liabilities
Total equity and liabilities10/49€362k€379k▲
Equity10/15€54k€78k▲
Contributions10/11€7k€7k=
Reserves13€2k€26k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€26k▲
Profit (loss) carried forward14€45k€45k=
Amounts payable17/49€309k€301k▼
Amounts payable after more than one year17€245k€221k▼
Financial debts170/4€245k€221k▼
Amounts payable within one year42/48€64k€80k▲
Current portion of amounts payable after more than one year42€15k€21k▲
Trade debts44€29k€22k▼
Suppliers440/4€29k€22k▼
Taxes, remuneration and social security45€920€15k▲
Taxes450/3€920€15k▲
Other amounts payable47/48€19k€22k▲
Income statement
Code20242025
Non-recurring operating income76A-€550
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€13k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€2k€2k▲
Gross operating margin9900€14k€62k▲
Operating profit (loss)9901€8k€47k▲
Financial income75/76B€774€3k▲
Recurring financial income75€774€3k▲
Financial charges65/66B€8k€10k▲
Recurring financial charges65€8k€10k▲
Profit (loss) for the period before taxes9903€601€40k▲
Income taxes67/77€7€16k▲
Profit (loss) for the period9904€594€25k▲
Profit (loss) for the period to be appropriated9905€594€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€70k▲
Profit (loss) brought forward from the previous period14P€45k€45k▲
Transfer to equity691/2-€25k
To other reserves6921-€25k
The notes to these accounts (8 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
18-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2018net €25k ▲4047%
Operating result €47k, net result €25k, both a record.
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 86 days late
21-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 264 days late
2021
31-12
Financial
Weakest financial yearnet €-23k ▼585%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
27-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 485 days late
2019
11-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 254 days late
2017
09-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 70 days late
2016
21-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 82 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kontich · 1 establishment unit since 2009
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.
Duffelsesteenweg 2162550 KontichGround area
1,116 m²
Building footprint
130 m²
Volume, LiDAR
598 m³
Parcel 11602E0167/00D004, Flanders · tallest building 9.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Fredi Group
since 20092.180.439.244
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602E0167/00D004 | Flanders | 1,116 m² | 1 · 130 m² | 8.9 m · 1 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.
Similar companies · same sector, comparable size
LINEA TROVATA BIOCONSTRUCT
BE 0830.628.123
Lokeren · Eq €78k
DITO
BE 0447.148.818
Sint-Lievens-Houtem · Eq €78k
PYRAMID BOUW
BE 0651.654.215
Antwerpen · Eq €78k
SUPREME CONSTRUCT
BE 0767.635.234
Sint-Gillis (bij-Brussel) · Eq €79k
Bouwbedrijf Jim & Partner
BE 0897.234.855
Heusden-Zolder · Eq €79k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 13,192 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2009
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
43211General electrical installation work
43310Plastering work
43341Painting of buildings
43343Specialised construction activities
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.