Virginie Frémat
ActiveVirginie Frémat has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €970k and a net result of €196k. Equity is growing by ~34.5% per year across the filed fiscal years. Its solvency ranks better than 36% of 3269 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-11
Solvency53▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 2.07 against 2.83 in 2024; short-term debt: 11.1% and cash: 11.2% of total assets), but 72.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
27.7%
Return on assets
5.6%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
15 d early
2023
6 d early
2022
13 d early
2021
23 d early
2020
4 d early
2019
3 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€970k▲ 6.2%
2024 · €913k
2018: €165k
2019: €165k
2020: €167k
2021: €274k
2022: €397k
2023: €511k
2024: €913k
2018 → 2025
Total assets
€3.50M▲ 19.3%
2024 · €2.94M
2018: €237k
2019: €256k
2020: €1.26M
2021: €1.22M
2022: €1.26M
2023: €1.71M
2024: €2.94M
2018 → 2025
Net result
€196k▼ 54.2%
2024 · €429k
2018: €27k
2019: €397
2020: €-4k
2021: €107k
2022: €140k
2023: €123k
2024: €429k
2018 → 2025
Working capital
€416k▼ 6.3%
2024 · €444k
2018: €81k
2019: €42k
2020: €69k
2021: €38k
2022: €36k
2023: €47k
2024: €444k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€274k-€397k▲ 44.6%€511k▲ 28.9%€913k▲ 78.6%€970k▲ 6.2%
Operating result€161k-€218k▲ 35.9%€195k▼ 10.6%€669k▲ 243%€338k▼ 49.5%
Net result€107k-€140k▲ 30.9%€123k▼ 12.3%€429k▲ 248%€196k▼ 54.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.50M
Fixed assets
€2.70M▲ 19.8%
Current assets
€807k▲ 17.5%
Equity and liabilities €3.50M
Equity
€970k▲ 6.2%
Debt
€2.53M▲ 25.2%
The debt ratio rises from 68.9% to 72.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€499k▼
2024 · €803k
Cash flow
€357k▼
2024 · €563k
Solvency
27.7%▼
2024 · 31.1%
Current ratio
2.07▼
2024 · 2.83
Quick ratio
2.07▼
2024 · 2.83
Debt / equity
2.61▲
2024 · 2.22
ROE
20.2%▼
2024 · 47.0%
ROA
5.6%▼
2024 · 14.6%
Interest coverage
7.29▼
2024 · 19.33
Debt
€2.53M▲
2024 · €2.03M
Debt ≤ 1 year
€391k▲
2024 · €243k
Debt > 1 year
€2.13M▲
2024 · €1.78M
Income taxes
€90k▼
2024 · €202k
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€2.94M€3.50M▲
Fixed assets21/28€2.25M€2.70M▲
Tangible fixed assets22/27€1.96M€2.40M▲
Land and buildings22€1.42M€1.38M▼
Plant, machinery and equipment23€1k€233▼
Furniture and vehicles24€16k€24k▲
Other tangible fixed assets26€10k€10k=
Assets under construction and advance payments27€510k€987k▲
Financial fixed assets28€294k€294k=
Current assets29/58€687k€807k▲
Amounts receivable after more than one year29€216k€304k▲
Other amounts receivable291€216k€304k▲
Amounts receivable within one year40/41€3k€108k▲
Trade receivables40€3k€108k▲
Cash at bank and in hand54/58€464k€391k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.94M€3.50M▲
Equity10/15€913k€970k▲
Contributions10/11€19k€19k=
Reserves13€895k€951k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€30k€30k=
Distributable reserves133€863k€919k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€2.03M€2.53M▲
Amounts payable after more than one year17€1.78M€2.13M▲
Financial debts170/4€1.78M€2.13M▲
Other amounts payable178/9€0-
Amounts payable within one year42/48€243k€391k▲
Current portion of amounts payable after more than one year42€61k€158k▲
Trade debts44€8k€616▼
Suppliers440/4€8k€616▼
Taxes, remuneration and social security45€139k€81k▼
Taxes450/3€139k€81k▼
Other amounts payable47/48€34k€151k▲
Accrued charges and deferred income492/3-€13k
Income statement
Code20242025
Non-recurring operating income76A€31k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€133k€160k▲
Other operating charges640/8€11k€5k▼
Gross operating margin9900€814k€503k▼
Operating profit (loss)9901€669k€338k▼
Financial income75/76B€4k€17k▲
Recurring financial income75€4k€17k▲
Financial charges65/66B€42k€68k▲
Recurring financial charges65€42k€68k▲
Profit (loss) for the period before taxes9903€631k€286k▼
Income taxes67/77€202k€90k▼
Profit (loss) for the period9904€429k€196k▼
Profit (loss) for the period to be appropriated9905€429k€196k▼
Appropriation of the result
Profit (loss) to be appropriated9906€429k€196k▼
Transfer from equity791/2€27k€140k▲
Transfer to equity691/2€429k€196k▼
To other reserves6921€429k€196k▼
Profit to be distributed694/7€27k€140k▲
Return on contributions (dividend)694€27k€140k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (22 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €429k ▲248%
Operating result €669k, net result €429k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500kEq €511k ▲28.9%
3 profitable years in a row build equity to €511k.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €107k
Net result €107k after one loss-making year.
31-12
Financial
Equity above €200kEq €274k ▲64.2%
Equity rises from €167k to €274k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-4k ▼1117%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
15-05
State Gazette act
General meeting · Auditor appointment
Director resignation · Director appointment
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zulte · 2 establishment units since 2010
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.
Waalstraat 2329870 ZulteGround area
1,513 m²
Building footprint
269 m²
Volume, LiDAR
669 m³
2 parcels, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Virginie Frémat
since 20102.322.435.960
Virginie Frémat
since 20212.322.436.059
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44081C0516/00A000 | Flanders | 1,169 m² | 1 · 137 m² | 7.8 m · 2 fl. |
| 31333H0758/00H000 | Flanders | 343 m² | 1 · 132 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 partyVirginie FrématBE 0822.921.967
controls
Where this company holds controlthis company sits on their board1
2 locations
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Of 22,051 companies in sector 69101 we hold annual accounts for 9,053. 4,356 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-02-2010
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.