Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Fremo is 1.1% (low). The 2024 annual accounts show equity of €92k and a net result of €18k. Its solvency ranks better than 94% of 925 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Signals
1 signal · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 94% of 925 peers (2024). A comfortable equity buffer.
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 30-07-2025 | 1 d early | 2025-00356291 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
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.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.1%
Low
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€18k
Working capital€66k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 30-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 95 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 80.2% | 24.7% | |
| Net result | €18k | €5k | |
| Equity | €92k | €17k | |
| Gross operating margin | €38k | €27k | |
| Total assets | €115k | €80k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €37k |
| Net profit | €18k |
| Cash flow | €27k |
| Staff costs | - |
| Income taxes | €9k |
| Dividends | €859 |
| Total assets | €115k |
| Equity | €92k |
| Debt | €23k |
| of which ≤ 1y | €14k |
| of which > 1y | €9k |
| Working capital | €66k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 5.90 |
| Quick ratio | 5.90 |
| Working capital ratio | 57.8% |
| Solvency | 80.2% |
| Debt / equity | 0.25 |
| Long-term debt ratio | 0.10 |
| Interest coverage | 26.01 |
| Gross margin | - |
| Net margin | - |
| ROA | 15.7% |
| ROE | 19.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €115k |
| Fixed assets | 21/28 | €35k |
| Tangible fixed assets | 22/27 | €35k |
| Current assets | 29/58 | €80k |
| Amounts receivable within one year | 40/41 | €17k |
| Cash & bank | 54/58 | €61k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €115k |
| Equity | 10/15 | €92k |
| Contributions / capital | 10/11 | €2k |
| Reserves | 13 | €91k |
| Amounts payable | 17/49 | €23k |
| Amounts payable after one year | 17 | €9k |
| Amounts payable within one year | 42/48 | €14k |
| Trade debts payable within one year | 44 | €843 |
| Income statement | ||
| Gross operating margin | 9900 | €38k |
| Operating result | 9901 | €28k |
| Financial income | 75 | €90 |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €27k |
| Income taxes | 67/77 | €9k |
| Net result for the period | 9904 | €18k |
| Result to be appropriated | 9905 | €18k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed93
/ 100
Excellent
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 from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
1 directorCurrent directors & mandates
-
Frederik MOONSDirectorState Gazette act 24446486 (27-11-2024)Current27-11-2024 → present
2 events
- 27-11-2024 Resigned· Manager
- 27-11-2024 Appointed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Reparatie en onderhoud van consumentenartikelen, neg(95290) |
| Legal form | Private limited company(610) |
| Incorporation | 16-12-2021 |
| Status | Active |
| Postal code | 3980 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Groenpoort 143980 Tessenderlo-HamEstablishment units
1 locationFremo
since 20212.325.323.986
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area890 m²
Buildings1
Building footprint125 m²
Volume (LiDAR)84 m³
Tallest building0.9 m
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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. |
|---|---|---|---|---|
| 71057A0513/00M000 | Flanders | 890 m² | 1 · 125 m² | 0.9 m |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 1 year ago
2024
27-11-2024 1 director appointed, 1 resigning
- Frederik MOONS, Bestuurder
- Frederik MOONS, Zaakvoerder
Notary:
Hans DERACHE · Tessenderlo
Analysis
Snowflake analysis
financial profile on 5 axes92
/ 100
Strong profile, led by solvency.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
93
Profitability
98
Solvency
100
Growth
-
Stability
79
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Credit advice
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We hold annual accounts for 81 of the 2,552 companies in this sector. 61 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Reparatie van andere consumentenartikelen95290Reparatie en onderhoud van consumentenartikelen, neg95290Vervaardiging van overige artikelen van metaal, n.e.g.25999Vervaardiging van overige producten van metaal, neg25999Bouw van rioleringen42212Bouw van rioleringen42212Elektrotechnische installatiewerken aan gebouwen43211Algemene elektrotechnische installatiewerken43211Loodgieterswerk43221Sanitaire werkzaamheden43221Installatie van verwarming, klimaatregeling en ventilatie43222Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit43222Installatie van isolatie43230Overige bouwinstallatie43240Isolatiewerkzaamheden43291Overige bouwinstallatie, n.e.g.43299Detailhandel in fietsen47632Detailhandel in fietsen in gespecialiseerde winkels47785Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameNL | Fremo |
Registered office
Groenpoort 14
3980 Tessenderlo-Ham, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.