FREMACH FINANCIAL SERVICES
ActiveFREMACH FINANCIAL SERVICES has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €3.26M and a net result of €118k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 8070 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
86
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability18▼-1
Solvency100=
Growth35=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €280k at 30 days acceptable
Liquidity ample (current ratio 74.44 against 73.38 in 2023), and 1.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 2024Solvency, return and age of the figures
Solvency
98.7%
Return on assets
3.6%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-07-2025, 12 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
12 d early
2023
12 d late
2022
12 d early
2021
26 d late
2020
17 d early
2019
63 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Turnover
€21k▼ 75.3%
2019 · €86k
2018: €78k
2019: €86k
2018 → 2020
EBIT margin
-45.3%▼ 32.4pp
2019 · -12.9%
2018: -74.1%
2019: -12.9%
2018 → 2020
Net result
€118k▲ 0.9%
2023 · €117k
2018: €493k
2019: €165k
2020: €74k
2021: €37k
2022: €55k
2023: €117k
2018 → 2024
Working capital
€3.26M▲ 3.8%
2023 · €3.14M
2018: €2.71M
2019: €2.86M
2020: €2.93M
2021: €2.97M
2022: €3.02M
2023: €3.14M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€21k-
Equity€2.93M-€2.97M▲ 1.3%€3.02M▲ 1.8%€3.14M▲ 3.9%€3.26M▲ 3.8%
Operating result€-10k-€-3k▲ 67.6%€-2k▲ 46.9%€-3k▼ 109%€-5k▼ 35.1%
Net result€74k-€37k▼ 49.3%€55k▲ 46.2%€117k▲ 114%€118k▲ 0.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2024 against €3k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €3.30M
Equity
€3.26M▲ 3.8%
Debt
€44k▲ 2.3%
The debt ratio stays at 1.3%.
Key figures and ratios
Solvency
98.7%=
2023 · 98.6%
Current ratio
74.44▲
2023 · 73.38
Quick ratio
74.44▲
2023 · 73.38
Debt / equity
0.01▼
2023 · 0.01
ROE
3.6%▼
2023 · 3.7%
ROA
3.6%▼
2023 · 3.7%
Debt
€44k▲
2023 · €43k
Debt ≤ 1 year
€44k▲
2023 · €43k
Income taxes
€44k▲
2023 · €43k
Staff costs
€339▲
2023 · €-133
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€3.18M€3.30M▲
Current assets29/58€3.18M€3.30M▲
Amounts receivable within one year40/41€3.18M€3.30M▲
Trade receivables40€387k€555k▲
Other amounts receivable41€2.80M€2.75M▼
Cash at bank and in hand54/58€1€1=
Equity and liabilities
Total equity and liabilities10/49€3.18M€3.30M▲
Equity10/15€3.14M€3.26M▲
Contributions10/11€1.86M€1.86M=
Capital10€1.86M€1.86M=
Issued capital100€1.86M€1.86M=
Reserves13€67k€73k▲
Non-distributable reserves130/1€67k€73k▲
Legal reserve130€67k€73k▲
Profit (loss) carried forward14€1.21M€1.32M▲
Amounts payable17/49€43k€44k▲
Amounts payable within one year42/48€43k€44k▲
Trade debts44€649€21▼
Suppliers440/4€649€21▼
Taxes, remuneration and social security45€43k€44k▲
Taxes450/3€43k€44k▲
Income statement
Code20232024
Goods, raw materials, services and sundry goods60/61€4k€4k▲
Remuneration, social security and pensions62€-133€339▲
Other operating charges640/8€62-
Gross operating margin9900€-4k€-4k▼
Operating profit (loss)9901€-3k€-5k▼
Financial income75/76B€164k€168k▲
Recurring financial income75€164k€168k▲
Financial charges65/66B€424€439▲
Recurring financial charges65€424€439▲
Profit (loss) for the period before taxes9903€160k€163k▲
Income taxes67/77€43k€44k▲
Profit (loss) for the period9904€117k€118k▲
Profit (loss) for the period to be appropriated9905€117k€118k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.22M€1.33M▲
Profit (loss) brought forward from the previous period14P€1.10M€1.21M▲
Transfer to equity691/2€6k€6k▲
To the legal reserve6920€6k€6k▲
Social balance
Average headcount (FTE)90871.01.0=
Timeline · acts, filings and financial milestones
2025
19-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 12 days late
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
2021
31-12
Financial
Weakest financial yearnet €37k ▼49.3%
Net result drops to €37k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 218.48
Current ratio from 94.19 to 218.48; short-term debt falls from €31k to €14k.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Liquidity times 85current ratio 94.19
Current ratio from 1.10 to 94.19; short-term debt falls from €28.02M to €31k.
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 63 days late
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 5 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
26-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2019
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
16-10-2019
Roland DUCHATELET: Resigned as Director
22-06-2012
Johan Thys: Resigned as Director
Location & real-estate footprint
Registered office, Diepenbeek · 1 establishment unit since 2006
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.
Industrielaan 13590 DiepenbeekGround area
1.3 ha
Building footprint
8,095 m²
Parcel 71402C1046/00N000, Flanders. Linked by address, not a title deed.
1 establishment unit
Fremach Financial Services
since 20062.154.724.841
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71402C1046/00N000 | Flanders | 1.3 ha | 1 · 8,095 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
549300R7BAES67EBH371
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 14,972 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-06-2006
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
64200Holdings
64210Activities of holding companies
66290Activities auxiliary to financial services and insurance activities
67203
74151
74855
82990Other business support services
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.