Franck et Fils
ActiveFranck et Fils has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €501k and a net result of €53k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 7689 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+11
Solvency100▲+1
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 38.95 against 2.39 in 2024), and 2.4% 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
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
97.6%
Return on assets
10.3%
Age of the figures
8 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
38 d early
2023
35 d early
2022
38 d early
2021
39 d early
2020
31 d early
2019
30 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€53k▲ 35.4%
2024 · €39k
2018: €44k
2019: €81k
2020: €49k
2021: €71k
2022: €54k
2023: €49k
2024: €39k
2018 → 2025
Working capital
€462k▲ 17.0%
2024 · €394k
2018: €535k
2019: €547k
2020: €624k
2021: €696k
2022: €572k
2023: €659k
2024: €394k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€773k-€657k▼ 15.0%€707k▲ 7.5%€459k▼ 35.1%€501k▲ 9.3%
Operating result€88k-€76k▼ 14.3%€53k▼ 29.3%€48k▼ 9.8%€66k▲ 37.7%
Net result€71k-€54k▼ 23.8%€49k▼ 8.8%€39k▼ 20.9%€53k▲ 35.4%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 38% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €513k
Fixed assets
€40k▼ 38.1%
Current assets
€474k▼ 30.1%
Equity and liabilities €513k
Equity
€501k▲ 9.3%
Debt
€12k▼ 95.7%
The debt ratio falls from 38.1% to 2.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€91k▲
2024 · €67k
Cash flow
€77k▲
2024 · €57k
Solvency
97.6%▲
2024 · 61.9%
Current ratio
38.95▲
2024 · 2.39
Quick ratio
31.17▲
2024 · 1.95
Debt / equity
0.02▼
2024 · 0.62
ROE
10.5%▲
2024 · 8.5%
ROA
10.3%▲
2024 · 5.3%
Interest coverage
425.93▲
2024 · 377.04
Debt
€12k▼
2024 · €283k
Debt ≤ 1 year
€12k▼
2024 · €283k
Income taxes
€19k▲
2024 · €14k
Staff costs
€59k▲
2024 · €55k
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€741k€513k▼
Fixed assets21/28€64k€40k▼
Tangible fixed assets22/27€64k€40k▼
Plant, machinery and equipment23€35k€27k▼
Furniture and vehicles24€29k€13k▼
Current assets29/58€677k€474k▼
Amounts receivable after more than one year29€85k€85k=
Other amounts receivable291€85k€85k=
Stocks and contracts in progress3€125k€95k▼
Stocks30/36€105k€92k▼
Contracts in progress37€20k€3k▼
Amounts receivable within one year40/41€35k€68k▲
Trade receivables40€2k€15k▲
Other amounts receivable41€33k€53k▲
Current investments50/53€346k€60k▼
Cash at bank and in hand54/58€87k€167k▲
Equity and liabilities
Total equity and liabilities10/49€741k€513k▼
Equity10/15€459k€501k▲
Contributions10/11€41k€41k=
Reserves13€54k€54k=
Distributable reserves133€54k€54k=
Profit (loss) carried forward14€364k€406k▲
Amounts payable17/49€283k€12k▼
Amounts payable within one year42/48€283k€12k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€4k€8k▲
Taxes450/3€4k€5k▲
Remuneration and social security454/9€218€3k▲
Other amounts payable47/48€277k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€55k€59k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€24k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€124k€152k▲
Operating profit (loss)9901€48k€66k▲
Financial income75/76B€5k€5k▲
Recurring financial income75€5k€5k▲
Financial charges65/66B€177€213▲
Recurring financial charges65€177€213▲
Profit (loss) for the period before taxes9903€53k€72k▲
Income taxes67/77€14k€19k▲
Profit (loss) for the period9904€39k€53k▲
Profit (loss) for the period to be appropriated9905€39k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€651k€416k▼
Profit (loss) brought forward from the previous period14P€612k€364k▼
Profit to be distributed694/7€287k€10k▼
Return on contributions (dividend)694€287k€10k▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (7 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 16current ratio 38.95
Current ratio from 2.39 to 38.95; short-term debt falls from €283k to €12k.
31-12
Financial
Equity above €500kEq €501k ▲9.3%
8 profitable years in a row build equity to €501k.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €39k ▼20.9%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Liquidity doublescurrent ratio 60.51
Current ratio from 27.69 to 60.51; short-term debt falls from €20k to €10k.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €81k ▲84.4%
Operating result €109k, net result €81k, both a record.
31-12
Financial
Liquidity times 6current ratio 27.69
Current ratio from 4.69 to 27.69; short-term debt falls from €145k to €20k.
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Blégny · 1 establishment unit since 1992
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 Supexhe 874672 BlégnyGround area
1,142 m²
Building footprint
435 m²
Volume, LiDAR
1,789 m³
2 parcels, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Supexhe 65, 4672 Blégny
since 19922.057.270.624
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62094A0318/00D000 | Wallonia | 885 m² | 1 · 177 m² | - |
| 62094A0330/00F000 | Wallonia | 257 m² | 1 · 258 m² | 9.0 m · 2 fl. |
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.
Recognitions · licences · registrations
Recognised contractor
3 categoriesFranck et Fils SRL22026
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INS
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Stekene · Eq €503k
QUALICONSTRUCT 5000
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J&R ROOF CONSTRUCT
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Of 8,481 companies in sector 43410 we hold annual accounts for 4,307. 2,838 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-1992
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
45220
41001General construction of residential buildings
41003General construction of other non-residential buildings
43221Plumbing work
45211
45212
45213
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.