GUNTER FROIDMONT
ActiveGUNTER FROIDMONT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €7k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 86% of 27787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 5.36 against 4.41 in 2024; short-term debt: 18.1% and cash: 82.8% of total assets), and 18.1% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
81.9%
Return on assets
6.2%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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
7 d late
2024
19 d late
2023
21 d early
2022
4 d early
2021
26 d early
2020
2 d early
2019
33 d early
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▲ 8.2%
2024 · €85k
2018: €65k
2019: €68k
2020: €72k
2021: €75k
2022: €77k
2023: €79k
2024: €85k
2018 → 2025
Total assets
€112k▲ 2.8%
2024 · €109k
2018: €116k
2019: €111k
2020: €108k
2021: €116k
2022: €100k
2023: €114k
2024: €109k
2018 → 2025
Net result
€7k▲ 24.8%
2024 · €6k
2018: €8k
2019: €3k
2020: €5k
2021: €3k
2022: €1k
2023: €2k
2024: €6k
2018 → 2025
Working capital
€89k▲ 7.4%
2024 · €83k
2018: €38k
2019: €64k
2020: €69k
2021: €71k
2022: €74k
2023: €80k
2024: €83k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€77k▲ 1.7%€79k▲ 3.1%€85k▲ 7.1%€92k▲ 8.2%
Operating result€702-€561▼ 20.0%€2k▲ 236%€6k▲ 241%€8k▲ 18.1%
Net result€3k-€1k▼ 57.7%€2k▲ 87.1%€6k▲ 134%€7k▲ 24.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 18% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €112k
Fixed assets
€3k▲ 41.3%
Current assets
€109k▲ 2.0%
Equity and liabilities €112k
Equity
€92k▲ 8.2%
Debt
€20k▼ 16.1%
The debt ratio falls from 22.2% to 18.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▲
2024 · €8k
Cash flow
€8k▲
2024 · €7k
Solvency
81.9%▲
2024 · 77.8%
Current ratio
5.36▲
2024 · 4.41
Quick ratio
4.76▲
2024 · 3.85
Debt / equity
0.22▼
2024 · 0.29
ROE
7.6%▲
2024 · 6.6%
ROA
6.2%▲
2024 · 5.1%
Interest coverage
13.42▼
2024 · 22.24
Debt
€20k▼
2024 · €24k
Debt ≤ 1 year
€20k▼
2024 · €24k
Income taxes
€3k▲
2024 · €2k
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€109k€112k▲
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23-€672
Furniture and vehicles24€2k€2k▲
Current assets29/58€107k€109k▲
Stocks and contracts in progress3€13k€12k▼
Stocks30/36€13k€12k▼
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€884€2k▲
Other amounts receivable41€5k€2k▼
Cash at bank and in hand54/58€88k€93k▲
Equity and liabilities
Total equity and liabilities10/49€109k€112k▲
Equity10/15€85k€92k▲
Contributions10/11€20k€20k=
Reserves13€5k€12k▲
Tax-exempt reserves132€286€286=
Distributable reserves133€5k€12k▲
Profit (loss) carried forward14€59k€59k▲
Amounts payable17/49€24k€20k▼
Amounts payable within one year42/48€24k€20k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Advances received on contracts in progress46-€304
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€200€337▲
Remuneration and social security454/9€10k€8k▼
Other amounts payable47/48€12k€11k▼
Income statement
Code20242025
Non-recurring operating income76A€413-
Remuneration, social security and pensions62€16k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€1k€588▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€25k€13k▼
Operating profit (loss)9901€6k€8k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€344€647▲
Recurring financial charges65€344€647▲
Profit (loss) for the period before taxes9903€8k€10k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€6k€7k▲
Profit (loss) for the period to be appropriated9905€6k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€64k€66k▲
Profit (loss) brought forward from the previous period14P€58k€59k▲
Transfer to equity691/2€5k€7k▲
To other reserves6921€5k€7k▲
The notes to these accounts (9 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €1k ▼57.7%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 3.57
Current ratio from 1.74 to 3.57; short-term debt falls from €52k to €25k.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Riemst · 1 establishment unit since 2015
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.
Grote Straat 173770 RiemstGround area
280 m²
Building footprint
104 m²
Volume, LiDAR
627 m³
Parcel 73086C0565/00C003, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GUNTER FROIDMONT
since 20152.239.929.938
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73086C0565/00C003 | Flanders | 280 m² | 1 · 104 m² | 10.3 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 179 EUR awarded · 179 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 179 EUR | 179 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 4,887 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2015
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.