And&Flor
ActiveSummary
The computed 12-month bankruptcy probability of And&Flor is 1.9% (moderate). The 2025 annual accounts show equity of €135k and a net result of €28k. Equity is growing by ~32.7% per year across the filed fiscal years. Its solvency ranks better than 30% of 27786 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+3
Solvency54=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.41 in 2024; short-term debt: 70.9% and cash: 4.3% of total assets), and 70.9% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.1%
Return on assets
6.1%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 22-05-2026, 22 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
22 d late
2024
15 d early
2023
51 d late
2022
11 d early
2021
51 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€135k▲ 26.6%
2024 · €106k
2021: €13k
2022: €17k
2023: €94k
2024: €106k
2021 → 2025
Total assets
€463k▲ 28.1%
2024 · €362k
2021: €49k
2022: €70k
2023: €181k
2024: €362k
2021 → 2025
Net result
€28k▲ 136%
2024 · €12k
2021: €21k
2022: €14k
2023: €86k
2024: €12k
2021 → 2025
Working capital
€134k▲ 27.0%
2024 · €106k
2021: €13k
2022: €17k
2023: €94k
2024: €106k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€17k▲ 37.4%€94k▲ 442%€106k▲ 12.7%€135k▲ 26.6%
Operating result€25k-€19k▼ 26.9%€116k▲ 524%€23k▼ 80.2%€37k▲ 60.3%
Net result€21k-€14k▼ 35.7%€86k▲ 522%€12k▼ 86.0%€28k▲ 136%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 60% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €463k
Fixed assets
€174 ▼ 67.4%
Current assets
€463k ▲ 28.2%
Equity and liabilities €463k
Equity
€135k ▲ 26.6%
Debt
€329k ▲ 28.7%
Debt's share of the balance-sheet total rises from 70.6% to 70.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37k▲
2024 · €23k
Cash flow
€29k▲
2024 · €12k
Current ratio
1.41▼
2024 · 1.41
Debt to equity
2.44▲
2024 · 2.40
ROE
21.0%▲
2024 · 11.2%
ROA
6.1%▲
2024 · 3.3%
Interest coverage
21.56▼
2024 · 22.55
Debt ≤ 1 year
€329k▲
2024 · €255k
Income taxes
€14k▲
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€362k€463k▲
Fixed assets21/28€533€174▼
Tangible fixed assets22/27€533€174▼
Furniture and vehicles24€533€174▼
Current assets29/58€361k€463k▲
Amounts receivable within one year40/41€361k€443k▲
Trade receivables40€250k€249k▼
Other amounts receivable41€110k€194k▲
Cash at bank and in hand54/58€540€20k▲
Equity and liabilities
Total equity and liabilities10/49€362k€463k▲
Equity10/15€106k€135k▲
Contributions10/11€300€300=
Capital10€300€300=
Issued capital100€300€300=
Reserves13€30€30=
Non-distributable reserves130/1€30€30=
Legal reserve130€30€30=
Profit (loss) carried forward14€106k€134k▲
Amounts payable17/49€255k€329k▲
Amounts payable within one year42/48€255k€329k▲
Trade debts44€202k€277k▲
Suppliers440/4€202k€277k▲
Taxes, remuneration and social security45€54k€52k▼
Taxes450/3€42k€46k▲
Remuneration and social security454/9€12k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€360€360=
Other operating charges640/8€6k€3k▼
Gross operating margin9900€29k€40k▲
Operating profit (loss)9901€23k€37k▲
Financial income75/76B€2k€7k▲
Recurring financial income75€2k€7k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€24k€42k▲
Income taxes67/77€12k€14k▲
Profit (loss) for the period9904€12k€28k▲
Profit (loss) for the period to be appropriated9905€12k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€106k€134k▲
Profit (loss) brought forward from the previous period14P€94k€106k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
2025
15-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €12k ▼86%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €100kEq €106k ▲12.7%
4 profitable years in a row build equity to €106k.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 51 days late
2023
30-09
Financial
Highest result since 2021net €86k ▲522%
Operating result €116k, net result €86k, both a record.
19-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 51 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2020
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.
Zwijnaardsesteenweg 449000 GentGround area
296 m²
Building footprint
286 m²
Volume, LiDAR
2,602 m³
2 parcels, Brussels, Flanders · tallest building 16.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
And&Flor
since 20202.308.079.366
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0052/00R006 | Flanders | 214 m² | 1 · 202 m² | 11.8 m · 3 fl. |
| 21012A0201/00H006 | Brussels | 82 m² | 1 · 84 m² | 16.4 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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OHM SOLUTIONS
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Thys & C°
BE 0742.724.248
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Gebro Service
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Of 22,821 companies in sector 43211 we hold annual accounts for 10,326. 8,692 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2020
Fiscal year end30-09
Activities, NACEBEL 2025
43211General electrical installation work
43990Other specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0466233161