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Complete company report
Generated 11-08-2026
Active BE 0450.988.434Private limited company (pre-2019)

FRAMAR

Stijn Streuvelsstraat 47 ·2340 Beerse, Belgium· 32 yrs active
Sector: Plumbing (43221)
Conclusion Checked

The KBO register records legal situation 050 for FRAMAR (Register: open bankruptcy); this is today's state according to the register itself, which carries no start date. The 2020 annual accounts show equity of €15k and a net result of €-16k.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €15k
Net result €-16k
Better than sector 41%
Active 32 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health58Profitability0Solvency59Growth78Stability0
39 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 58
Profitability 0
Solvency 59
Growth 78
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
0 / 100
Low riskRegister: open bankruptcy
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Trust signals 1 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2020 · computed
58 / 100 Fair
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from the NBB filing for FY 2020. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 30-08-2021 with the NBB · fiscal year 2020 · micro
€-30k€-20k€-10k€0€10kOperating result 2018: €-1k€-1kNet result 2018: €-20k€-20kOperating result 2019: €8k€8kNet result 2019: €-21k€-21kOperating result 2020: €9k€9kNet result 2020: €-16k€-16k201820192020
Operating resultNet result
Sector comparison
Fiscal year 2020 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 31.0% 38.8%
better than 41% of 1633 sector peers
Net result €5k €8k
better than 42% of 1626 sector peers
Equity €15k €41k
better than 27% of 1635 sector peers
Gross operating margin €12k €33k
better than 26% of 1624 sector peers
Total assets €50k €130k
better than 21% of 1633 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€9k
-3.2% 18-20
Net profit
€-16k
+23.1% 18-20
Cash flow
€-16k
+19.4% 18-20
Total assets
€50k
+52.4% 18-20
Equity
€15k
+46.6% 18-20
Working capital
€12k
+81.6% 18-20
Income taxes
€3k
-65.7% 18-20
Debt
€34k
+55.2% 18-20
Debt ≤ 1y
€34k
+55.2% 18-20
Current ratio
1.35
+3.9% 18-20
Quick ratio
1.35
+3.9% 18-20
Solvency
31.0%
-3.8% 18-20
ROE
-105.8%
+47.6% 18-20
ROA
-32.8%
+49.6% 18-20
Figures by fiscal year
Fiscal year2020
Depositmicro
Revenue-
EBITDA€9k
Net profit€-16k
Cash flow€-16k
Staff costs-
Income taxes€3k
Dividends-
Total assets€50k
Equity€15k
Debt€34k
of which ≤ 1y€34k
of which > 1y-
Working capital€12k
Employees (FTE)-
Ratios (computed)
2020
Current ratio1.35
Quick ratio1.35
Working capital ratio23.9%
Solvency31.0%
Debt / equity-
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-32.8%
ROE-105.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2020
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2020
Balance sheet, Assets
TOTAL ASSETS 20/58€50k
Fixed assets 21/28€4k
Tangible fixed assets 22/27€438
Financial fixed assets 28€3k
Current assets 29/58€46k
Amounts receivable within one year 40/41€41k
Cash & bank 54/58€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€50k
Equity 10/15€15k
Reserves 13€13k
Accumulated profits (losses) 14€-16k
Amounts payable 17/49€34k
Amounts payable within one year 42/48€34k
Trade debts payable within one year 44€3k
Income statement
Gross operating margin 9900€12k
Operating result 9901€9k
Financial charges 65€786
Result before taxes 9903€8k
Income taxes 67/77€3k
Net result for the period 9904€5k
Result to be appropriated 9905€5k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Plumbing(43221)
Legal form Private limited company (pre-2019)(015)
Incorporation30-09-1993
StatusActive
Postal code2340
Establishment units 1 location
VERKOSAN
Stijn Streuvelsstraat 47, 2340 BeerseReparatie en onderhoud van verwarmingsinstallaties
since 19932.064.169.304
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13004C0160/00N002 Flanders 324 m² 1 · 75 m² 9.1 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2023
31-05-2023
State Gazette act Registered-office change
2021
30-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
26-11-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
31-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
27-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
11-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · verkort
09-06-2017
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2016
26-01-2016
NBB filing Annual accounts filed
fiscal year 2014 · verkort
2014
29-12-2014
NBB filing Annual accounts filed
fiscal year 2013 · verkort
2013
26-08-2013
NBB filing Annual accounts filed
fiscal year 2012 · verkort
2012
27-08-2012
NBB filing Annual accounts filed
fiscal year 2011 · verkort
Belgisch Staatsblad, acts 1 acts
Address history · 1
31-05-2023
Registered-office move
All acts · 1 updated 3 years ago
2023
31-05-2023 Registered office moved from Antwerpen to Beerse Registered-office change
  • Dillesstraat 58, 2660 Antwerpen → Stijn Streuvelsstraat 47, 2340 Beerse
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Stijn Streuvelsstraat 47, 2340 Beerse",
        "city": "Beerse",
        "region": "vlaams_gewest",
        "street": "Stijn Streuvelsstraat",
        "country": "BE",
        "postcode": "2340",
        "box_number": null,
        "street_number": "47",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Dillesstraat 58, 2660 Antwerpen",
        "city": "Antwerpen",
        "region": "vlaams_gewest",
        "street": "Dillesstraat",
        "country": "BE",
        "postcode": "2660",
        "box_number": null,
        "street_number": "58",
        "locality_suffix": null
      },
      "effective_date": "2023-02-23",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-05-31",
    "filing_date": "2023-05-17",
    "act_kind_objet": "Zetel (zetelverplaatsing)"
  },
  "decision": {
    "body": "enig_aandeelhouder_schriftelijk",
    "date": "2023-02-22",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0450.988.434",
    "name_full": "FRAMAR",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "org",
    "org_kbo": "0404.876.020",
    "org_name": "KONSILANTO",
    "person_name": null,
    "org_rep_person_name": "Greet Slegers",
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "de notulen van de bestuursvergadering dd. 22/02/2023"
  ]
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Loodgieterswerk43221Sanitaire werkzaamheden43221Reparatie van producten van metaal33110Reparatie en onderhoud van producten van metaal33110Installatie van verwarming, klimaatregeling en ventilatie43222Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit43222
Primary activity highlighted.
Names & trade names
Legal nameNL FRAMAR
Registered office
Stijn Streuvelsstraat 47
2340 Beerse, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative