Hi jarekmos,
I'm a beginner too.
Did you know about View Tab Order?
In the VB Editor, with the UserForm selected, find View in the toolbar, then Tab Order.
There you can manually arrange the tab order - you can select one or more things in the list and move them up or down.
First select the whole userform and make sure the frames - and anything outside them - are in the right order, then each frame to check the order inside them. The order of the inactive labels doesn't seem to matter as their TabStop is automatically set to False.