FRESPI
ActiveFRESPI has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €162k and a net result of €34k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 39% of 16860 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency93▲+8
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 6.89 against 5.51 in 2024), but 52.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
47.7%
Return on assets
10.1%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
7 d early
2024
27 d early
2023
26 d early
2022
31 d early
2021
2 d early
2020
16 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
10-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€162k▲ 26.9%
2024 · €128k
2020: €71k
2021: €148k
2022: €154k
2023: €79k
2024: €128k
2020 → 2025
Total assets
€340k▲ 9.2%
2024 · €312k
2020: €95k
2021: €349k
2022: €353k
2023: €370k
2024: €312k
2020 → 2025
Net result
€34k▼ 30.0%
2024 · €49k
2020: €59k
2021: €77k
2022: €35k
2023: €24k
2024: €49k
2020 → 2025
Working capital
€133k▲ 49.3%
2024 · €89k
2020: €71k
2021: €153k
2022: €162k
2023: €66k
2024: €89k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€148k-€154k▲ 4.1%€79k▼ 49.0%€128k▲ 62.4%€162k▲ 26.9%
Operating result€101k-€54k▼ 46.8%€35k▼ 35.3%€67k▲ 92.0%€49k▼ 27.0%
Net result€77k-€35k▼ 54.7%€24k▼ 30.5%€49k▲ 102%€34k▼ 30.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €340k
Fixed assets
€185k▼ 9.0%
Current assets
€155k▲ 42.9%
Equity and liabilities €340k
Equity
€162k▲ 26.9%
Debt
€178k▼ 3.2%
The debt ratio falls from 59.0% to 52.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€70k▼
2024 · €81k
Cash flow
€55k▼
2024 · €63k
Solvency
47.7%▲
2024 · 41.0%
Current ratio
6.89▲
2024 · 5.51
Quick ratio
6.89▲
2024 · 5.51
Debt / equity
1.10▼
2024 · 1.44
ROE
21.2%▼
2024 · 38.4%
ROA
10.1%▼
2024 · 15.8%
Interest coverage
14.39▼
2024 · 17.74
Debt
€178k▼
2024 · €184k
Debt ≤ 1 year
€23k▲
2024 · €20k
Debt > 1 year
€155k▼
2024 · €164k
Income taxes
€10k▼
2024 · €13k
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€312k€340k▲
Fixed assets21/28€203k€185k▼
Tangible fixed assets22/27€203k€185k▼
Land and buildings22€184k€175k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€17k€8k▼
Current assets29/58€109k€155k▲
Amounts receivable within one year40/41€21k€22k▲
Trade receivables40€20k€16k▼
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€87k€133k▲
Deferred charges and accrued income490/1€406€473▲
Equity and liabilities
Total equity and liabilities10/49€312k€340k▲
Equity10/15€128k€162k▲
Contributions10/11€19k€19k=
Reserves13€109k€144k▲
Distributable reserves133€109k€144k▲
Amounts payable17/49€184k€178k▼
Amounts payable after more than one year17€164k€155k▼
Financial debts170/4€164k€155k▼
Amounts payable within one year42/48€20k€23k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€5k€8k▲
Other amounts payable47/48€808€808=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€21k▲
Other operating charges640/8€641€2k▲
Gross operating margin9900€82k€71k▼
Operating profit (loss)9901€67k€49k▼
Financial income75/76B€116€10▼
Recurring financial income75€116€10▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€63k€44k▼
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€49k€34k▼
Profit (loss) for the period to be appropriated9905€49k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€34k▼
Transfer to equity691/2€49k€34k▼
To other reserves6921€49k€34k▼
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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €150kEq €162k ▲26.9%
6 profitable years in a row build equity to €162k.
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity quadruplescurrent ratio 5.51
Current ratio from 1.55 to 5.51; short-term debt falls from €118k to €20k.
30-09
Financial
Equity above €100kEq €128k ▲62.4%
5 profitable years in a row build equity to €128k.
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €24k ▼30.5%
Net result drops to €24k, the lowest in the series; recovery starts the following year.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity doublescurrent ratio 10.01
Current ratio from 4.47 to 10.01; short-term debt falls from €44k to €18k.
30-09
Financial
Equity above €150kEq €154k ▲4.1%
3 profitable years in a row build equity to €154k.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2020net €77k ▲30.9%
Operating result €101k, net result €77k, both a record.
30-09
Financial
Equity above €100kEq €148k ▲108%
2 profitable years in a row build equity to €148k.
14-04
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
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, Oudenaarde · 1 establishment unit since 2019
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.
Braambrugstraat 269700 OudenaardeGround area
600 m²
Building footprint
106 m²
Volume, LiDAR
544 m³
Parcel 45503A0671/00C000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Frespi
since 20192.284.642.681
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45503A0671/00C000 | Flanders | 600 m² | 1 · 106 m² | 8.0 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.
Similar companies · same sector, comparable size
TRIPLE L
BE 0891.014.581
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IG DATA CONSULTING
BE 1000.076.136
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CEBEWARE
BE 0727.695.582
Watermaal-Bosvoorde · Eq €162k
VEBA Consulting
BE 0741.447.511
Sint-Niklaas · Eq €162k
JODAR CONSULTING
BE 1016.850.208
Hechtel-Eksel · Eq €162k
Of 29,877 companies in sector 62200 we hold annual accounts for 18,318. 15,194 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2019
Fiscal year end30-09
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.