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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Tight liquidity NBB
Cash and receivables cover 2 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FRANCARD IMMO from Libramont-Chevigny, company number BE0672640758, closed financial year 2025 with a result of € 1,444 after tax. For that financial year FRANCARD IMMO recorded a gross margin of € 112,469 and equity of € 21,404. Compared with financial year 2024, the result moved from € 486 to € 1,444. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on January 29, 2026.
€ 21,404
▲ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1,444
▲ 197% vs 2024
Profit after tax over the fiscal year.
€ 7,919
▼ 71% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 8,729.
Debts at end 2025
€ 524,480
▼ 14% vs 2024
€ 64,349 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 5,564
▼ 68% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 583
▲ 229% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 95,820 | € 86,509 | € 76,598 | € 112,469 | ▲ 47% |
| Profit after taxes | € 10,874 | € 550 | € 486 | € 1,444 | ▲ 197% |
| Equity | € 18,925 | € 19,474 | € 19,960 | € 21,404 | ▲ 7% |
| Total debts | € 1,120,108 | € 1,053,930 | € 1,000,530 | € 894,045 | ▼ 11% |
| Cash | € 36,756 | € 30,577 | € 27,557 | € 7,919 | ▼ 71% |
| Land & buildings | € 1,115,427 | € 1,067,977 | € 1,021,283 | € 944,880 | ▼ 7% |
| Retained profit | € 6,250 | € 6,799 | € 7,285 | € 8,729 | ▲ 20% |
| Bank debt | € 731,919 | € 670,360 | € 607,885 | € 524,480 | ▼ 14% |
| Balance sheet total | € 1,152,183 | € 1,098,554 | € 1,048,840 | € 952,799 | ▼ 9% |
Key figures of FRANCARD IMMO, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to FRANCARD IMMO?
What happened at FRANCARD IMMO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 1,444 (▲ 197% vs 2024). Source: NBB ↗
- New establishment in Libramont-Chevigny. KBO
- Start of the company according to the CBE. KBO
In short
From € 10,874 profit in 2022 to € 1,444 profit in 2025.
Paid € 3,272 in corporate taxes since 2022.
Best year ever: 2022, with € 10,874 profit.
Management
Behind FRANCARD IMMO is Jean-Marie Francard. Jean-Marie Francard is also behind Le Bailliage, La Capucine and Pouvoir organisateur libre du Centre-Ardenne.
Directors
According to the 2025 annual accounts
Jean-Marie Francard
Director
Also active at: Le Bailliage, La Capucine, Pouvoir organisateur libre du Centre-Ardenne
Establishments
Establishment units
Physical locations of this company
Libramont,Rue de la Fontaine 5
6800 Libramont-Chevigny
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0672.640.758
- VAT number
- BE 0672.640.758
- Registered office
- Libramont,Rue de la Fontaine 5, 6800 Libramont-Chevigny
- Names & denominations
- FRANCARD IMMO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 13 March 2017
- Peppol
- Active · Active since 19 Oct 2026