DEFRANCQ FREDERIK
ActiveThe annual accounts of DEFRANCQ FREDERIK for fiscal year 2025 show a net loss of 77% of the equity at the start of that year. The 2025 annual accounts show equity of €8k and a net result of €-27k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 27787 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-26
Solvency27▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.76 against 0.85 in 2024; short-term debt: 66.3% and cash: 5.4% of total assets), and 98.4% 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
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 · 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
1.6%
Return on assets
-5.6%
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 10% of 27787 sector peers (2025).
NBB · sector comparisonPosition among 27787 sector peers
Solvency
better than 10%
← 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 31-08-2026, 31 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
31 d late
2024
25 d late
2023
7 d early
2022
28 d early
2021
135 d early
2020
29 d early
2019
28 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
€8k▼ 78.4%
2024 · €36k
2018: €-59k
2019: €-93k
2020: €-91k
2021: €-35k
2022: €53k
2023: €20k
2024: €36k
2018 → 2025
Total assets
€489k▼ 20.8%
2024 · €617k
2018: €266k
2019: €222k
2020: €227k
2021: €280k
2022: €463k
2023: €517k
2024: €617k
2018 → 2025
Net result
€-27k
2024 · €16k
2018: €19k
2019: €-35k
2020: €3k
2021: €56k
2022: €87k
2023: €-35k
2024: €16k
2018 → 2025
Working capital
€-78k▼ 40.3%
2024 · €-56k
2018: €-101k
2019: €-116k
2020: €-142k
2021: €-120k
2022: €-59k
2023: €-86k
2024: €-56k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-35k-€53k€20k▼ 61.8%€36k▲ 77.5%€8k▼ 78.4%
Operating result€58k-€93k▲ 59.6%€-25k€26k€-13k
Net result€56k-€87k▲ 55.8%€-35k€16k€-27k
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 €13k after €26k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €489k
Fixed assets
€243k▼ 16.2%
Current assets
€246k▼ 24.8%
Equity and liabilities €489k
Equity
€8k▼ 78.4%
Debt
€481k▼ 17.2%
The debt ratio rises from 94.2% to 98.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€61k▼
2024 · €93k
Cash flow
€47k▼
2024 · €83k
Solvency
1.6%▼
2024 · 5.8%
Current ratio
0.76▼
2024 · 0.85
Quick ratio
0.65▼
2024 · 0.76
Debt / equity
62.58▲
2024 · 16.30
ROE
-355.8%▼
2024 · 44.7%
ROA
-5.6%▼
2024 · 2.6%
Interest coverage
4.08▼
2024 · 8.83
Debt
€481k▼
2024 · €582k
Debt ≤ 1 year
€324k▼
2024 · €383k
Debt > 1 year
€157k▼
2024 · €199k
Income taxes
€-158▼
2024 · €0
Staff costs
€174k▲
2024 · €173k
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€617k€489k▼
Fixed assets21/28€290k€243k▼
Intangible fixed assets21-€1k
Tangible fixed assets22/27€290k€242k▼
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€101k€68k▼
Furniture and vehicles24€75k€92k▲
Leasing and similar rights25€112k€81k▼
Current assets29/58€327k€246k▼
Stocks and contracts in progress3€36k€36k▼
Stocks30/36€36k€36k▼
Amounts receivable within one year40/41€285k€176k▼
Trade receivables40€265k€168k▼
Other amounts receivable41€20k€9k▼
Cash at bank and in hand54/58€56€26k▲
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€617k€489k▼
Equity10/15€36k€8k▼
Contributions10/11€19k€19k=
Reserves13€34k€34k=
Tax-exempt reserves132€25k€25k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€-19k€-47k▼
Investment grants15€2k€2k▼
Amounts payable17/49€582k€481k▼
Amounts payable after more than one year17€199k€157k▼
Financial debts170/4€199k€157k▼
Amounts payable within one year42/48€383k€324k▼
Current portion of amounts payable after more than one year42€43k€47k▲
Financial debts43€13k€14k▲
Credit institutions430/8€13k€14k▲
Trade debts44€159k€93k▼
Suppliers440/4€159k€93k▼
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€158€25▼
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€163k€166k▲
Accrued charges and deferred income492/3-€10
Income statement
Code20242025
Non-recurring operating income76A€17k€19k▲
Remuneration, social security and pensions62€173k€174k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€74k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€268k€239k▼
Operating profit (loss)9901€26k€-13k▼
Financial income75/76B€683€794▲
Recurring financial income75€683€794▲
Financial charges65/66B€10k€15k▲
Recurring financial charges65€10k€15k▲
Profit (loss) for the period before taxes9903€16k€-28k▼
Income taxes67/77€0€-158▼
Profit (loss) for the period9904€16k€-27k▼
Profit (loss) for the period to be appropriated9905€16k€-27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-47k▼
Profit (loss) brought forward from the previous period14P€-35k€-19k▲
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-35k ▼140%
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €87k ▲55.8%
Operating result €93k, net result €87k, both a record.
18-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hooglede · 1 establishment unit since 2006
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.
Oude Rozebekestraat 388830 HoogledeGround area
1,215 m²
Building footprint
185 m²
Volume, LiDAR
843 m³
Parcel 36006D0104/00N000, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Sales and More
since 20062.155.673.758
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36006D0104/00N000 | Flanders | 1,215 m² | 1 · 185 m² | 7.7 m · 1 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
2022 to 2025 · 5 entries · 7,533 EUR awarded · 7,173 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,308 EUR | 1,472 EUR |
| 2024 | 1 | 658 EUR | 494 EUR |
| 2023 | 2 | 3,331 EUR | 3,438 EUR |
| 2022 | 1 | 2,236 EUR | 1,769 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Subsidies ecologisch en veilig transport (stopgezet)
Recognitions · licences · registrations
Food safety, FASFC
1 siteHooglede2.155.673.758
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Rotselaar · Eq €8k
VAN HOUTEN INTERIEUR
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PI BOUW
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SMESSAERT RENOVATIES
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Zedelgem · Eq €7k
Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 944 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2006
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
45211
45250
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
47120Other non-specialised retail sale
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47910Retail trade
73110Advertising agencies
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.