Summary
Fromava 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 €33k and a net result of €11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 8048 sector peers (fiscal year 2025). The company has been active since 2017 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 8048 sector peers (2025).
NBB · sector comparisonPosition among 8048 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 8 filingsDeviation from the deadline
2025
29 d late
2024
31 d late
2023
23 d late
2022
29 d late
2021
31 d late
2020
30 d late
2019
30 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
Equity
€33k▼ 91.8%
2024 · €397k
Net result
€11k
2024 · €-9k
Total assets
€231k▼ 43.7%
2024 · €410k
Solvency
14.1%▼ 82.7pp
2024 · 96.8%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€42k▲ 68.2%€53k▲ 25.6%€10k▼ 80.9%€-8k€15k
Net result€32k▲ 77.7%€226k▲ 597%€104k▼ 54.1%€-9k€11k
Equity€96k▲ 51.2%€322k▲ 236%€426k▲ 32.2%€397k▼ 6.7%€33k▼ 91.8%
Total assets€513k▲ 1.7%€516k▲ 0.6%€680k▲ 31.8%€410k▼ 39.7%€231k▼ 43.7%
Debt€417k▼ 5.4%€194k▼ 53.5%€255k▲ 31.2%€13k▼ 94.8%€199k▲ 1,399%
Working capital€-309k▲ 1.1%€-112k▲ 63.9%€258k€194k▼ 24.7%€8k▼ 96.0%
Solvency18.7%▲ 6.1pp62.4%▲ 43.7pp62.6%▲ 0.2pp96.8%▲ 34.2pp14.1%▼ 82.7pp
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15k after a loss of €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €231k
Fixed assets
€25k ▼ 87.8%
Current assets
€206k ▼ 0.6%
Equity and liabilities €231k
Equity
€33k ▼ 91.8%
Debt
€199k ▲ 1,399%
Debt's share of the balance-sheet total rises from 3.2% to 85.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
35.0%▲
2024 · -2.2%
ROA
4.9%▲
2024 · -2.1%
Debt ≤ 1 year
€199k▲
2024 · €13k
Income taxes
€4k▲
2024 · €442
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €14k | €22k | €23k | ▲ 8.3% |
| Other operating charges640/8 | €611 | €622 | €2k | €932 | €727 | ▼ 22.0% |
| Non-recurring operating charges66A | €6 | - | €90 | €9k | €253 | ▼ 97.2% |
| Gross operating margin9900 | €43k | €54k | €27k | €24k | €40k | ▲ 65.6% |
| Operating profit (loss)9901 | €42k | €53k | €10k | €-8k | €15k | ▲ 299% |
| Financial income75/76B | €0 | €185k | €99k | €2k | €1k | ▼ 35.9% |
| Recurring financial income75 | €0 | €185k | €0 | €2k | €1k | ▼ 35.9% |
| Non-recurring financial income76B | - | - | €99k | - | - | - |
| Financial charges65/66B | €2k | €2k | €3k | €2k | €411 | ▼ 81.5% |
| Recurring financial charges65 | €2k | €2k | €3k | €2k | €411 | ▼ 81.5% |
| Profit (loss) for the period before taxes9903 | €41k | €237k | €106k | €-8k | €16k | ▲ 293% |
| Income taxes67/77 | €8k | €10k | €2k | €442 | €4k | ▲ 893% |
| Profit (loss) for the period9904 | €32k | €226k | €104k | €-9k | €11k | ▲ 232% |
| Profit (loss) for the period to be appropriated9905 | €32k | €226k | €104k | €-9k | €11k | ▲ 232% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €513k | €516k | €680k | €410k | €231k | ▼ 43.7% |
| Fixed assets21/28 | €497k | €497k | €235k | €203k | €25k | ▼ 87.8% |
| Tangible fixed assets22/27 | - | - | €79k | €46k | €25k | ▼ 46.3% |
| Plant, machinery and equipment23 | - | - | €5k | €4k | €2k | ▼ 54.5% |
| Furniture and vehicles24 | - | - | €73k | €42k | €23k | ▼ 45.6% |
| Financial fixed assets28 | €497k | €497k | €157k | €157k | €62 | ▼ 100.0% |
| Current assets29/58 | €16k | €19k | €445k | €208k | €206k | ▼ 0.6% |
| Amounts receivable within one year40/41 | €10k | €13k | €26k | €13k | €1k | ▼ 92.1% |
| Trade receivables40 | €9k | €13k | €17k | - | €618 | - |
| Other amounts receivable41 | €1k | €468 | €9k | €13k | €432 | ▼ 96.8% |
| Cash at bank and in hand54/58 | €6k | €6k | €417k | €193k | €205k | ▲ 6.2% |
| Deferred charges and accrued income490/1 | - | €103 | €1k | €1k | €203 | ▼ 83.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €513k | €516k | €680k | €410k | €231k | ▼ 43.7% |
| Equity10/15 | €96k | €322k | €426k | €397k | €33k | ▼ 91.8% |
| Contributions10/11 | €19k | €19k | €20k | €20k | €20k | = |
| Reserves13 | €2k | €2k | €0 | - | - | - |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Profit (loss) carried forward14 | €75k | €302k | €405k | €377k | €12k | ▼ 96.8% |
| Amounts payable17/49 | €417k | €194k | €255k | €13k | €199k | ▲ 1,399% |
| Amounts payable after more than one year17 | €92k | €63k | €68k | - | - | - |
| Financial debts170/4 | €92k | €63k | €68k | - | - | - |
| Amounts payable within one year42/48 | €325k | €131k | €187k | €13k | €199k | ▲ 1,399% |
| Current portion of amounts payable after more than one year42 | €29k | €27k | €38k | - | - | - |
| Trade debts44 | €1k | €1k | €14k | €8k | €6k | ▼ 18.5% |
| Suppliers440/4 | €1k | €1k | €14k | €8k | €6k | ▼ 18.5% |
| Taxes, remuneration and social security45 | €3k | €4k | - | €5k | €59k | ▲ 1,071% |
| Taxes450/3 | €3k | €4k | - | €5k | €59k | ▲ 1,071% |
| Other amounts payable47/48 | €292k | €99k | €135k | €650 | €134k | ▲ 20,432% |
| Accrued charges and deferred income492/3 | €1 | - | €161 | €3 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €32k | €226k | €104k | €-9k | €11k | ▲ 232% |
| + Depreciation and write-downs630 | - | - | €14k | €22k | €23k | ▲ 8.3% |
| Operating cash flow (approximation) | €32k | €226k | €118k | €13k | €35k | ▲ 168% |
| Investment in fixed assets (approximation) | - | €0 | €247k | €11k | €155k | ▲ 1,301% |
| Change in cash | - | €84 | €412k | €-224k | €12k | ▲ 105% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 7current ratio 15.68
Current ratio from 2.38 to 15.68; short-term debt falls from €187k to €13k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Liquidity times 16current ratio 2.38
Current ratio from 0.15 to 2.38.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €226k ▲597%
Operating result €53k, net result €226k, both a record.
31-12
Financial
Equity above €200kEq €322k ▲236%
5 profitable years in a row build equity to €322k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 30 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Namur · 1 establishment unit since 2017
Ground area
1,177 m²
Building footprint
135 m²
Volume, LiDAR
609 m³
Parcel 92095B0003/00R003, Wallonia · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Fromava
since 20172.268.300.359
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92095B0003/00R003 | Wallonia | 1,177 m² | 1 · 135 m² | 7.0 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,730 companies in sector 64210 we hold annual accounts for 19,772. 9,048 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-06-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Contact
E-mail
lapetiteferme@skynet.beNamur
Phone
081/308790Namur
Scores and ratios are computed by Checked and are not a credit decision.