ANNOYE FRANCK
ActiveSummary
ANNOYE FRANCK has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €-74k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 721 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▼-49
Solvency37▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity short (current ratio 0.68 against 0.83 in 2024; short-term debt: 42% and cash: 1.2% of total assets), and 88.2% 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 52
Relative position
BE, all sectors
reference
Sector 52
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
11.8%
Return on assets
-11.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 721 sector peers (2025).
NBB · sector comparisonPosition among 721 sector peers
Solvency
better than 22%
← 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 11-08-2026, 11 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
11 d late
2024
12 d late
2023
12 d late
2022
28 d early
2021
23 d early
2020
13 d late
2019
112 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€74k▼ 49.9%
2024 · €148k
2018: €29k
2019: €25k
2020: €-7k
2021: €-934
2022: €72k
2023: €131k
2024: €148k
2018 → 2025
Total assets
€629k▼ 22.3%
2024 · €810k
2018: €577k
2019: €535k
2020: €482k
2021: €536k
2022: €662k
2023: €900k
2024: €810k
2018 → 2025
Net result
€-74k
2024 · €17k
2018: €9k
2019: €-4k
2020: €-31k
2021: €6k
2022: €73k
2023: €59k
2024: €17k
2018 → 2025
Working capital
€-84k▼ 59.5%
2024 · €-52k
2018: €-89k
2019: €-75k
2020: €-67k
2021: €-73k
2022: €-18k
2023: €-67k
2024: €-52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-934-€72k€131k▲ 81.9%€148k▲ 13.4%€74k▼ 49.9%
Operating result€21k-€118k▲ 469%€94k▼ 20.9%€50k▼ 46.6%€-65k
Net result€6k-€73k▲ 1,194%€59k▼ 19.2%€17k▼ 70.3%€-74k
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 turns negative in 2025: a loss of €65k after €50k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €629k
Fixed assets
€449k ▼ 18.6%
Current assets
€181k ▼ 30.0%
Equity and liabilities €629k
Equity
€74k ▼ 49.9%
Debt
€555k ▼ 16.1%
Debt's share of the balance-sheet total rises from 81.7% to 88.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€49k▼
2024 · €162k
Cash flow
€41k▼
2024 · €130k
Current ratio
0.68▼
2024 · 0.83
Quick ratio
0.56▼
2024 · 0.73
Debt to equity
7.48▲
2024 · 4.46
ROE
-99.8%▼
2024 · 11.8%
ROA
-11.8%▼
2024 · 2.2%
Interest coverage
2.12▼
2024 · 7.49
Debt ≤ 1 year
€264k▼
2024 · €311k
Debt > 1 year
€288k▼
2024 · €345k
Income taxes
€379▼
2024 · €11k
Staff costs
€403k▼
2024 · €443k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€810k€629k▼
Fixed assets21/28€551k€449k▼
Tangible fixed assets22/27€548k€446k▼
Land and buildings22€343k€306k▼
Plant, machinery and equipment23€16k€10k▼
Furniture and vehicles24€190k€123k▼
Leasing and similar rights25-€7k
Financial fixed assets28€3k€3k=
Current assets29/58€258k€181k▼
Stocks and contracts in progress3€30k€33k▲
Stocks30/36€30k€33k▲
Amounts receivable within one year40/41€124k€126k▲
Trade receivables40€86k€85k▼
Other amounts receivable41€38k€40k▲
Cash at bank and in hand54/58€90k€8k▼
Deferred charges and accrued income490/1€13k€14k▲
Equity and liabilities
Total equity and liabilities10/49€810k€629k▼
Equity10/15€148k€74k▼
Contributions10/11€15k€15k=
Outside capital11€15k€15k=
Share premium1100/10€15k-
Other1109/19-€15k
Reserves13€151k€151k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Distributable reserves133€149k€149k=
Profit (loss) carried forward14€-18k€-92k▼
Amounts payable17/49€662k€555k▼
Amounts payable after more than one year17€345k€288k▼
Financial debts170/4€345k€288k▼
Amounts payable within one year42/48€311k€264k▼
Current portion of amounts payable after more than one year42€129k€121k▼
Trade debts44€50k€45k▼
Suppliers440/4€50k€45k▼
Taxes, remuneration and social security45€132k€98k▼
Taxes450/3€59k€38k▼
Remuneration and social security454/9€73k€60k▼
Accrued charges and deferred income492/3€6k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€365-
Remuneration, social security and pensions62€443k€403k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€112k€115k▲
Other operating charges640/8€26k€24k▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€631k€478k▼
Operating profit (loss)9901€50k€-65k▼
Financial income75/76B-€15k
Recurring financial income75-€15k
Financial charges65/66B€22k€23k▲
Recurring financial charges65€22k€23k▲
Profit (loss) for the period before taxes9903€28k€-74k▼
Income taxes67/77€11k€379▼
Profit (loss) for the period9904€17k€-74k▼
Profit (loss) for the period to be appropriated9905€17k€-74k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-477€-92k▼
Profit (loss) brought forward from the previous period14P€-18k€-18k=
Transfer to equity691/2€17k-
To other reserves6921€17k-
The notes to these accounts (8 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
2025
31-12
Financial
Weakest financial yearnet €-74k ▼524%
Net result drops to €-74k, the lowest in the series.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Equity above €100kEq €131k ▲81.9%
3 profitable years in a row build equity to €131k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €73k ▲1194%
Operating result €118k, net result €73k, both a record.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 112 days late
2019
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 56 days late
2018
20-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 51 days late
2017
13-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 44 days late
Financial milestoneNBB 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, Namur · 1 establishment unit since 2011
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.
Rue Gabriel de Moriamé(ML) 165020 NamurGround area
2,458 m²
Building footprint
632 m²
Volume, LiDAR
3,409 m³
Parcel 92082B0724/00R002, Wallonia · tallest building 6.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Gabriel de Moriamé(ML) 16, 5020 Namur
since 20112.198.427.893
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92082B0724/00R002 | Wallonia | 2,458 m² | 1 · 631 m² | 6.2 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.
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Of 1,725 companies in sector 52210 we hold annual accounts for 771. 554 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2011
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
52210Service activities incidental to land transportation
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:depannage-annoye.be
E-mail:garageannoye@depannage-annoye.be