Fraime
ActiveSummary
Fraime has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €168k and a net result of €38k. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 44% of 3480 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
78
/ 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
Profitability81▲+11
Solvency69▲+9
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 1.24 in 2024; short-term debt: 52.6% and cash: 23.6% of total assets), but 55.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
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
44.3%
Return on assets
9.9%
Age of the figures
9 mo
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
27 d late
2023
29 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
24 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, micro schema
Equity
€168k▲ 28.9%
2024 · €130k
2018: €52k
2019: €72k
2020: €87k
2021: €105k
2022: €112k
2023: €125k
2024: €130k
2018 → 2025
Total assets
€379k▲ 2.8%
2024 · €368k
2018: €481k
2019: €564k
2020: €662k
2021: €442k
2022: €388k
2023: €413k
2024: €368k
2018 → 2025
Net result
€38k▲ 716%
2024 · €5k
2018: €17k
2019: €20k
2020: €15k
2021: €18k
2022: €7k
2023: €13k
2024: €5k
2018 → 2025
Working capital
€126k▲ 120%
2024 · €57k
2018: €-49k
2019: €-56k
2020: €-33k
2021: €-3k
2022: €20k
2023: €40k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€112k▲ 6.6%€125k▲ 11.7%€130k▲ 3.7%€168k▲ 28.9%
Operating result€37k-€8k▼ 78.3%€40k▲ 391%€25k▼ 37.3%€66k▲ 168%
Net result€18k-€7k▼ 61.1%€13k▲ 89.6%€5k▼ 65.0%€38k▲ 716%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 168% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €379k
Fixed assets
€54k ▼ 26.9%
Current assets
€325k ▲ 10.3%
Equity and liabilities €379k
Equity
€168k ▲ 28.9%
Debt
€211k ▼ 11.5%
Debt's share of the balance-sheet total falls from 64.7% to 55.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€94k▲
2024 · €52k
Cash flow
€65k▲
2024 · €32k
Current ratio
1.63▲
2024 · 1.24
Quick ratio
1.49▲
2024 · 0.74
Debt to equity
1.26▼
2024 · 1.83
ROE
22.4%▲
2024 · 3.5%
ROA
9.9%▲
2024 · 1.3%
Interest coverage
11.43▲
2024 · 6.45
Debt ≤ 1 year
€199k▼
2024 · €238k
Debt > 1 year
€11k
Income taxes
€21k▲
2024 · €12k
Staff costs
€87k▼
2024 · €123k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€368k€379k▲
Fixed assets21/28€74k€54k▼
Intangible fixed assets21-€8k
Tangible fixed assets22/27€69k€42k▼
Plant, machinery and equipment23€22k€3k▼
Furniture and vehicles24€5k€2k▼
Other tangible fixed assets26€42k€37k▼
Financial fixed assets28€4k€4k=
Current assets29/58€295k€325k▲
Amounts receivable after more than one year29-€85k
Other amounts receivable291-€85k
Stocks and contracts in progress3€119k€28k▼
Stocks30/36€94k€28k▼
Contracts in progress37€25k-
Amounts receivable within one year40/41€146k€118k▼
Trade receivables40€137k€73k▼
Other amounts receivable41€9k€46k▲
Cash at bank and in hand54/58€25k€89k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€368k€379k▲
Equity10/15€130k€168k▲
Contributions10/11€25k€25k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€103k€140k▲
Amounts payable17/49€238k€211k▼
Amounts payable after more than one year17-€11k
Financial debts170/4-€11k
Amounts payable within one year42/48€238k€199k▼
Current portion of amounts payable after more than one year42€15k€8k▼
Financial debts43€25k€50k▲
Credit institutions430/8€25k€50k▲
Trade debts44€118k€97k▼
Suppliers440/4€118k€97k▼
Taxes, remuneration and social security45€74k€43k▼
Taxes450/3€54k€34k▼
Remuneration and social security454/9€20k€9k▼
Other amounts payable47/48€5k€481▼
Accrued charges and deferred income492/3€577€924▲
Income statement
Code20242025
Remuneration, social security and pensions62€123k€87k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€27k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€66k
Other operating charges640/8€19k€11k▼
Gross operating margin9900€194k€258k▲
Operating profit (loss)9901€25k€66k▲
Financial income75/76B€55€39▼
Recurring financial income75€55€39▼
Financial charges65/66B€8k€8k▲
Recurring financial charges65€8k€8k▲
Profit (loss) for the period before taxes9903€17k€58k▲
Income taxes67/77€12k€21k▲
Profit (loss) for the period9904€5k€38k▲
Profit (loss) for the period to be appropriated9905€5k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€103k€140k▲
Profit (loss) brought forward from the previous period14P€98k€103k▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €38k ▲716%
Operating result €66k, net result €38k, both a record.
31-12
Financial
Equity above €150kEq €168k ▲28.9%
8 profitable years in a row build equity to €168k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €5k ▼65%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €105k ▲20.5%
4 profitable years in a row build equity to €105k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 316 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, Schilde · 1 establishment unit since 2016
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.
Kerkstraat 482970 SchildeGround area
353 m²
Building footprint
112 m²
Volume, LiDAR
878 m³
Parcel 11041B0303/00W000, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fraime
since 20162.253.249.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0303/00W000 | Flanders | 353 m² | 1 · 112 m² | 10.9 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.
Similar companies · same sector, comparable size
Interiors by Dejaegere
BE 0428.063.671
Kortrijk · Eq €170k
VISTA WORKS
BE 0899.155.158
Antwerpen · Eq €165k
FEELING HOUSE
BE 0438.009.438
Ukkel · Eq €164k
Interieur Projects
BE 0647.637.821
Anzegem · Eq €172k
COPOBUCA
BE 0768.865.847
Tournai · Eq €163k
Of 1,449 companies in sector 74130 we hold annual accounts for 341. 254 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
Founded18-02-2016
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
74130Interior design
68110Buying and selling of own real estate
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.