FRAVAL
ActiveFRAVAL has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103k and a net result of €-7k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 93% of 1173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 7.33 against 16.9 in 2024), and 11% 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 81
Relative position
BE, all sectors
reference
Sector 81
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€7k
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
29 d late
2023
153 d late
2022
121 d late
2021
206 d late
2020
243 d late
2019
336 d late
← 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€103k▼ 6.5%
2024 · €110k
2018: €53k
2019: €68k
2020: €86k
2021: €92k
2022: €86k
2023: €111k
2024: €110k
2018 → 2025
Total assets
€116k▼ 0.2%
2024 · €116k
2018: €69k
2019: €74k
2020: €88k
2021: €98k
2022: €98k
2023: €112k
2024: €116k
2018 → 2025
Net result
€-7k▼ 495%
2024 · €-1k
2018: €13k
2019: €15k
2020: €18k
2021: €10k
2022: €-6k
2023: €25k
2024: €-1k
2018 → 2025
Working capital
€81k▼ 12.8%
2024 · €93k
2018: €45k
2019: €62k
2020: €71k
2021: €77k
2022: €71k
2023: €101k
2024: €93k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€92k-€86k▼ 6.1%€111k▲ 29.2%€110k▼ 1.1%€103k▼ 6.5%
Operating result€14k-€3k▼ 79.1%€29k▲ 938%€7k▼ 76.9%€6k▼ 7.4%
Net result€10k-€-6k€25k€-1k€-7k▼ 495%
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 has fallen two years in a row; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€22k▲ 27.2%
Current assets
€94k▼ 5.0%
Equity and liabilities €116k
Equity
€103k▼ 6.5%
Debt
€13k▲ 119%
The debt ratio rises from 5.0% to 11.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€8k▼
2024 · €8k
Cash flow
€-5k▼
2024 · €163
Solvency
89.0%▼
2024 · 95.0%
Current ratio
7.33▼
2024 · 16.90
Quick ratio
7.33▼
2024 · 16.90
Debt / equity
0.12▲
2024 · 0.05
ROE
-6.9%▼
2024 · -1.1%
ROA
-6.2%▼
2024 · -1.0%
Interest coverage
11.78▲
2024 · 8.98
Debt
€13k▲
2024 · €6k
Debt ≤ 1 year
€13k▲
2024 · €6k
Income taxes
€13k▲
2024 · €7k
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€116k€116k▼
Fixed assets21/28€17k€22k▲
Tangible fixed assets22/27€17k€22k▲
Furniture and vehicles24€17k€22k▲
Financial fixed assets28€391€391=
Current assets29/58€99k€94k▼
Amounts receivable within one year40/41€99k€93k▼
Trade receivables40€4k€752▼
Other amounts receivable41€95k€93k▼
Cash at bank and in hand54/58-€56
Deferred charges and accrued income490/1-€169
Equity and liabilities
Total equity and liabilities10/49€116k€116k▼
Equity10/15€110k€103k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€90k€83k▼
Amounts payable17/49€6k€13k▲
Amounts payable within one year42/48€6k€13k▲
Financial debts43€3k€5k▲
Credit institutions430/8€3k€5k▲
Trade debts44€3k€8k▲
Suppliers440/4€3k€8k▲
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8€7k€303▼
Gross operating margin9900€15k€10k▼
Operating profit (loss)9901€7k€6k▼
Financial charges65/66B€911€686▼
Recurring financial charges65€911€686▼
Profit (loss) for the period before taxes9903€6k€6k▼
Income taxes67/77€7k€13k▲
Profit (loss) for the period9904€-1k€-7k▼
Profit (loss) for the period to be appropriated9905€-1k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€90k€83k▼
Profit (loss) brought forward from the previous period14P€91k€90k▼
The notes to these accounts (9 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Liquidity times 52current ratio 370.48
Current ratio from 7.08 to 370.48; short-term debt falls from €12k to €274.
31-12
Financial
Equity above €100kEq €111k ▲29.2%
Equity rises from €86k to €111k.
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 121 days late
22-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 206 days late
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 243 days late
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 336 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 26.19
Current ratio from 10.31 to 26.19; short-term debt falls from €7k to €3k.
2019
31-12
Financial
Liquidity triplescurrent ratio 10.31
Current ratio from 3.81 to 10.31; short-term debt falls from €16k to €7k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
03-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 187 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Rixensart · 1 establishment unit since 1990
Ground area
1,486 m²
Building footprint
712 m²
Volume, LiDAR
20,602 m³
2 parcels, Brussels, Wallonia · tallest building 37.9 m, ±11 floors. Linked by address, not a title deed.
1 establishment unit
Scailquinstraat 47, 1210 Sint-Joost-ten-Node
since 19902.049.078.082
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21572B0514/00M000 | Brussels | 1,404 m² | 1 · 650 m² | 37.9 m · 11 fl. |
| 25092B0451/00A006 | Wallonia | 82 m² | 1 · 62 m² | 9.6 m · 3 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.
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Of 6,941 companies in sector 81220 we hold annual accounts for 2,376. 1,976 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-07-1990
Fiscal year end31-12
Activities, NACEBEL
74700
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.