Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 25 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
François from Bertem, company number BE0417174135, closed financial year 2025 with a result of € -17,583 after tax. For that financial year François recorded a gross margin of € -17,085 and equity of € -1.7 million. Compared with financial year 2024, the result moved from € -12,848 to € -17,583. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 24, 2026.
€ -1.7 million
▼ € 17,583 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -17,583
▼ 37 % more loss than in 2024
Profit after tax over the fiscal year.
€ 1,653
▼ 57% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -2.3 million.
People and assets in 2025
€ 0
Of which on lease € 0.
Debts at end 2025
€ 1.1 million
Loans from banks and other lenders, long and short.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -14,311 | € -13,299 | € -12,366 | € -17,085 | ▼ € 4,719 |
| Profit after taxes | € -14,742 | € -53,497 | € -12,848 | € -17,583 | ▼ € 4,734 |
| Equity | € -1,578,031 | € -1,631,529 | € -1,644,377 | € -1,661,960 | ▼ € 17,583 |
| Total debts | € 2,167,978 | € 2,182,978 | € 2,192,734 | € 2,213,625 | ▲ 1% |
| Cash | € 18,399 | € 7,996 | € 3,850 | € 1,653 | ▼ 57% |
| Land & buildings | € 3,209 | € 3,209 | € 3,209 | € 3,209 | |
| Retained profit | € -2,228,031 | € -2,281,529 | € -2,294,377 | € -2,311,960 | ▼ € 17,583 |
| Bank debt | € 1,102,140 | € 1,102,140 | € 1,102,140 | € 1,102,140 | |
| Balance sheet total | € 589,946 | € 551,449 | € 548,356 | € 551,665 | ▲ 1% |
Key figures of François, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to François?
What happened at François in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 17,583. filed late Source: NBB ↗
- New establishment in Bertem. KBO
- Start of the company according to the CBE. KBO
In short
From € 14,742 loss in 2022 to € 17,583 loss in 2025.
Management
The stake of LIESBETH comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
FrançoisBehind François is François De Kelver. The shares are held by LIESBETH (6.2%).
Directors
According to the 2025 annual accounts
Shareholders
6.2%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Vlieguit 49
3061 Bertem
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0417.174.135
- VAT number
- BE 0417.174.135
- Registered office
- Vlieguit 49, 3061 Bertem
- Names & denominations
- François
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 11 May 1977
- Peppol
- Not registered
- Activities · NACE
Groothandel in groenten en fruit, muv consumptieaardappelen
Groothandel in groenten en fruit
Detailhandel in groenten en fruit