FRESA
ActiveFRESA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €247k and a net result of €10k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 38% of 2142 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
81
/ 100
Excellent▼ -6 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability20▼-25
Solvency96▲+2
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 3.45 against 5.65 in 2023), and 48.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-10-2025, 74 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
not confirmed
2024
74 d late
2023
33 d early
2022
12 d early
2021
31 d late
2020
5 d early
2019
3 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€247k▲ 4.2%
2023 · €237k
2018: €193k
2019: €200k
2020: €198k
2021: €208k
2022: €215k
2023: €237k
2018 → 2024
Total assets
€483k▼ 0.9%
2023 · €487k
2018: €492k
2019: €482k
2020: €462k
2021: €459k
2022: €458k
2023: €487k
2018 → 2024
Net result
€10k▼ 53.4%
2023 · €22k
2018: €12k
2019: €7k
2020: €-3k
2021: €10k
2022: €7k
2023: €22k
2018 → 2024
Working capital
€132k▼ 10.6%
2023 · €148k
2018: €108k
2019: €134k
2020: €118k
2021: €137k
2022: €158k
2023: €148k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€198k-€208k▲ 5.2%€215k▲ 3.6%€237k▲ 10.0%€247k▲ 4.2%
Operating result€4k-€17k▲ 313%€20k▲ 17.2%€38k▲ 88.4%€28k▼ 26.4%
Net result€-3k-€10k€7k▼ 27.0%€22k▲ 188%€10k▼ 53.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 26% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €483k
Fixed assets
€297k▼ 3.5%
Current assets
€186k▲ 3.6%
Equity and liabilities €483k
Equity
€247k▲ 4.2%
Debt
€236k▼ 5.7%
The debt ratio falls from 51.4% to 48.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€42k▼
2023 · €52k
Cash flow
€24k▼
2023 · €35k
Solvency
51.1%▲
2023 · 48.6%
Current ratio
3.45▼
2023 · 5.65
Quick ratio
3.43▼
2023 · 5.62
Debt / equity
0.96▼
2023 · 1.06
ROE
4.1%▼
2023 · 9.1%
ROA
2.1%▼
2023 · 4.4%
Interest coverage
2.86▼
2023 · 3.20
Debt
€236k▼
2023 · €250k
Debt ≤ 1 year
€54k▲
2023 · €32k
Debt > 1 year
€182k▼
2023 · €204k
Income taxes
€11k▲
2023 · €9k
Staff costs
€68k▼
2023 · €70k
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€487k€483k▼
Fixed assets21/28€308k€297k▼
Tangible fixed assets22/27€307k€297k▼
Land and buildings22€234k€235k▲
Plant, machinery and equipment23€62k€51k▼
Furniture and vehicles24€12k€11k▼
Financial fixed assets28€90€90=
Current assets29/58€179k€186k▲
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€3k€8k▲
Trade receivables40€326€237▼
Other amounts receivable41€2k€8k▲
Current investments50/53€92k€95k▲
Cash at bank and in hand54/58€81k€82k▲
Deferred charges and accrued income490/1€3k€0▼
Equity and liabilities
Total equity and liabilities10/49€487k€483k▼
Equity10/15€237k€247k▲
Contributions10/11€19k€19k=
Reserves13€104k€114k▲
Distributable reserves133€104k€114k▲
Profit (loss) carried forward14€115k€115k=
Amounts payable17/49€250k€236k▼
Amounts payable after more than one year17€204k€182k▼
Financial debts170/4€204k€182k▼
Amounts payable within one year42/48€32k€54k▲
Current portion of amounts payable after more than one year42€22k€22k▲
Trade debts44€2k€7k▲
Suppliers440/4€2k€7k▲
Taxes, remuneration and social security45€8k€14k▲
Taxes450/3€6k€10k▲
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48-€11k
Accrued charges and deferred income492/3€14k€0▼
Income statement
Code20232024
Remuneration, social security and pensions62€70k€68k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€762€10k▲
Gross operating margin9900€122k€120k▼
Operating profit (loss)9901€38k€28k▼
Financial income75/76B€8k€8k▼
Recurring financial income75€8k€8k▼
Financial charges65/66B€16k€15k▼
Recurring financial charges65€16k€15k▼
Profit (loss) for the period before taxes9903€30k€21k▼
Income taxes67/77€9k€11k▲
Profit (loss) for the period9904€22k€10k▼
Profit (loss) for the period to be appropriated9905€22k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€136k€125k▼
Profit (loss) brought forward from the previous period14P€115k€115k=
Transfer to equity691/2€22k€10k▼
To other reserves6921€22k€10k▼
Shareholders' contribution to the loss794-€0
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
13-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 74 days late
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €22k ▲188%
Operating result €38k, net result €22k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial
Equity above €200kEq €208k ▲5.2%
Equity rises from €198k to €208k.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-3k ▼136%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €200kEq €200k ▲3.9%
2 profitable years in a row build equity to €200k.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
19-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Leuven · 3 establishment units since 2005
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.
Blijde-Inkomststraat 423000 LeuvenGround area
2,008 m²
Building footprint
461 m²
Volume, LiDAR
4,034 m³
3 parcels, Flanders · tallest building 16.2 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
Blijde-Inkomststraat 42, 3000 Leuven
since 20052.202.441.022
Flex-it
since 20112.202.441.220
Mijn Osteopaat
since 20172.264.957.126
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24514A0095/00Z005 | Flanders | 1,579 m² | 1 · 180 m² | 8.9 m · 2 fl. |
| 24593H0576/00D000 | Flanders | 260 m² | 1 · 192 m² | 12.6 m · 4 fl. |
| 24502B0510/00R003 | Flanders | 170 m² | 1 · 89 m² | 16.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 1,784 EUR awarded · 2,003 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,131 EUR | 1,131 EUR |
| 2023 | 1 | 653 EUR | 872 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLeuven2.264.957.126
Legal Entity Identifier
5299005FR2FUSZ3J4B98
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Cabinet de dermatologie B. Cawet
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BE 0899.937.888
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NEO HEREMANS
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H.VERHALLE
BE 0687.659.427
Wielsbeke · Eq €250k
NUTRIPAUQUET SPRLU
BE 0670.578.123
Aywaille · Eq €244k
Of 10,459 companies in sector 86995 we hold annual accounts for 883. 622 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2005
Fiscal year end31-12
Activities, NACEBEL
86909Human health activities
86995Nutrition and dietetics services
10520Manufacture of food products
47110Non-specialised retail sale with food, beverages or tobacco predominating
47111Retail trade
55900Accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.