Froyen & Zeitler
ActiveFroyen & Zeitler has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €471k and a net result of €260k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 28% of 1933 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
81
/ 100
Excellent▼ -19 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▲+5
Solvency49▼-22
Growth53▼-5
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.51 in 2023), but 76% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
54 d early
2022
on the day
2021
30 d late
2020
27 d late
2019
14 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Turnover
€2.81M▼ 13.1%
2023 · €3.23M
2022: €3.37M
2023: €3.23M
2022 → 2024
EBIT margin
11.9%▲ 1.4pp
2023 · 10.4%
2022: 6.1%
2023: 10.4%
2022 → 2024
Net result
€260k▼ 3.5%
2023 · €269k
2018: €9k
2019: €62k
2020: €31k
2021: €93k
2022: €132k
2023: €269k
2018 → 2024
Working capital
€284k▲ 44.5%
2023 · €197k
2018: €-3k
2019: €27k
2020: €16k
2021: €99k
2022: €196k
2023: €197k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€3.37M€3.23M▼ 4.2%€2.81M▼ 13.1%
Equity€207k-€230k▲ 10.8%€337k▲ 47.0%€399k▲ 18.2%€471k▲ 18.2%
Operating result€57k-€137k▲ 141%€204k▲ 49.3%€337k▲ 65.1%€333k▼ 1.0%
Net result€31k-€93k▲ 203%€132k▲ 42.6%€269k▲ 103%€260k▼ 3.5%
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 falls in 2024; 2024 is 1% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.97M
Fixed assets
€1.21M▲ 172%
Current assets
€754k▲ 29.0%
Equity and liabilities €1.97M
Equity
€471k▲ 18.2%
Debt
€1.49M▲ 136%
The debt ratio rises from 61.3% to 76.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€397k▲
2023 · €388k
Cash flow
€323k▲
2023 · €320k
Solvency
24.0%▼
2023 · 38.7%
Current ratio
1.61▲
2023 · 1.51
Quick ratio
1.61▲
2023 · 1.51
Debt / equity
3.17▲
2023 · 1.59
ROE
55.1%▼
2023 · 67.5%
ROA
13.2%▼
2023 · 26.1%
Interest coverage
17.58▼
2023 · 30.19
Debt
€1.49M▲
2023 · €632k
Debt ≤ 1 year
€470k▲
2023 · €388k
Debt > 1 year
€1.02M▲
2023 · €214k
Income taxes
€55k▼
2023 · €56k
Staff costs
€123k▲
2023 · €92k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.03M€1.97M▲
Fixed assets21/28€446k€1.21M▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€446k€1.21M▲
Land and buildings22€272k€1.09M▲
Plant, machinery and equipment23€15k€11k▼
Furniture and vehicles24€159k€107k▼
Current assets29/58€585k€754k▲
Amounts receivable within one year40/41€247k€512k▲
Trade receivables40€192k€480k▲
Other amounts receivable41€55k€33k▼
Cash at bank and in hand54/58€322k€230k▼
Deferred charges and accrued income490/1€16k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.03M€1.97M▲
Equity10/15€399k€471k▲
Contributions10/11€19k€19k=
Reserves13€380k€309k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€378k€309k▼
Profit (loss) carried forward14-€144k
Amounts payable17/49€632k€1.49M▲
Amounts payable after more than one year17€214k€1.02M▲
Financial debts170/4€214k€1.02M▲
Amounts payable within one year42/48€388k€470k▲
Current portion of amounts payable after more than one year42€75k€111k▲
Trade debts44€115k€156k▲
Suppliers440/4€115k€156k▲
Taxes, remuneration and social security45€16k€24k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€13k€18k▲
Other amounts payable47/48€182k€178k▼
Accrued charges and deferred income492/3€30k-
Income statement
Code20232024
Turnover70€3.23M€2.81M▼
Goods, raw materials, services and sundry goods60/61€2.75M€2.30M▼
Remuneration, social security and pensions62€92k€123k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€63k▲
Other operating charges640/8€8k€11k▲
Gross operating margin9900€488k€530k▲
Operating profit (loss)9901€337k€333k▼
Financial income75/76B€1k€4k▲
Recurring financial income75€1k€4k▲
Financial charges65/66B€13k€23k▲
Recurring financial charges65€13k€23k▲
Profit (loss) for the period before taxes9903€325k€315k▼
Income taxes67/77€56k€55k▼
Profit (loss) for the period9904€269k€260k▼
Profit (loss) for the period to be appropriated9905€269k€260k▼
Appropriation of the result
Profit (loss) to be appropriated9906€269k€260k▼
Transfer from equity791/2€29k€71k▲
Transfer to equity691/2€90k-
To other reserves6921€90k-
Profit to be distributed694/7€208k€187k▼
Return on contributions (dividend)694€29k€71k▲
Directors or managers695€170k€100k▼
Employees696€9k-
Other beneficiaries697-€16k
Social balance
Average headcount (FTE)90872.02.8▲
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €269k ▲103%
Operating result €337k, net result €269k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
31-12
Financial
Equity above €200kEq €207k ▲17.4%
3 profitable years in a row build equity to €207k.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
31-12
Financial
Equity above €150kEq €176k ▲54.6%
2 profitable years in a row build equity to €176k.
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
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, Begijnendijk · 1 establishment unit since 1993
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.
Aarschotsesteenweg 1113130 BegijnendijkGround area
499 m²
Building footprint
76 m²
Volume, LiDAR
556 m³
Parcel 24010B0277/00K003, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Babbel-Box
since 19932.063.876.027
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24010B0277/00K003 | Flanders | 499 m² | 1 · 76 m² | 10.1 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.
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Of 3,911 companies in sector 71112 we hold annual accounts for 1,290. 712 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-08-1993
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
72220
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.