Well, to be honest I'll explain my particular case. 2 rolls of APX100 120 format (Leverkusen) shot in 1996. Forgot about them. Stored loose inside a wooden cupboard in Barcelona (wet and warm climate).
Found them in the summer of 1991. Developed then. Guess what? Images came totally fresh, despite very very slight bleeding from backing paper.
In a recent conversation with on of the organizers of the 9,5mm (pathe baby) film festival in Spain, the organizer told me some tests he performed with his own Fuji Velvia stock. Had 20 yr old stocks in the freezer. Shot a couple of rolls One was developed and the other one re-froze it and waited 5 more years to develop. Came perfectly.
To sump up. The fridge and low temps slow down the degradation. But freezing stops time. E-6 colour film is much more sensible. So with B/W negative you won't have any problem.
Tomorrow I'm sending for developing a 6 month old batch of films. All kept in fridge after exposing. IF the turnaround is greater than 6 months-1 year after exposing I choose to freeze.
Best regards