BATI - FLOR
ActiveSummary
BATI - FLOR has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €361k and a net result of €51k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 48% of 2045 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+46
Solvency66▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.31 in 2024; short-term debt: 49.8% and cash: 10.7% of total assets), and 58.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
41.5%
Return on assets
5.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
84 d early
2023
55 d early
2022
55 d early
2021
59 d early
2020
86 d early
2019
121 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€51k
2024 · €-37k
2018: €114k
2019: €86k
2020: €21k
2021: €124k
2022: €61k
2023: €20k
2024: €-37k
2018 → 2025
Working capital
€153k▲ 13.6%
2024 · €135k
2018: €30k
2019: €135k
2020: €-101k
2021: €51k
2022: €155k
2023: €174k
2024: €135k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€266k-€326k▲ 22.8%€346k▲ 6.2%€309k▼ 10.7%€361k▲ 16.6%
Operating result€131k-€70k▼ 46.4%€48k▼ 31.0%€-17k€84k
Net result€124k-€61k▼ 51.1%€20k▼ 66.7%€-37k€51k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €84k after a loss of €17k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €870k
Fixed assets
€283k ▲ 7.6%
Current assets
€587k ▲ 3.8%
Equity and liabilities €870k
Equity
€361k ▲ 16.6%
Debt
€509k ▼ 1.9%
Debt's share of the balance-sheet total falls from 62.7% to 58.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€137k▲
2024 · €42k
Cash flow
€104k▲
2024 · €22k
Current ratio
1.35▲
2024 · 1.31
Quick ratio
1.05▲
2024 · 1.05
Debt to equity
1.41▼
2024 · 1.68
ROE
14.3%▲
2024 · -12.0%
ROA
5.9%▲
2024 · -4.5%
Interest coverage
8.56▲
2024 · 2.06
Debt ≤ 1 year
€433k▲
2024 · €430k
Debt > 1 year
€67k▼
2024 · €85k
Income taxes
€17k
Staff costs
€646k▲
2024 · €618k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€829k€870k▲
Fixed assets21/28€263k€283k▲
Tangible fixed assets22/27€262k€282k▲
Land and buildings22€125k€115k▼
Plant, machinery and equipment23€41k€94k▲
Furniture and vehicles24€59k€48k▼
Leasing and similar rights25€37k€25k▼
Financial fixed assets28€2k€2k=
Current assets29/58€565k€587k▲
Stocks and contracts in progress3€113k€131k▲
Stocks30/36€113k€131k▲
Amounts receivable within one year40/41€383k€348k▼
Trade receivables40€172k€107k▼
Other amounts receivable41€211k€240k▲
Cash at bank and in hand54/58€54k€94k▲
Deferred charges and accrued income490/1€15k€15k▼
Equity and liabilities
Total equity and liabilities10/49€829k€870k▲
Equity10/15€309k€361k▲
Contributions10/11€41k€41k=
Reserves13€13k€13k=
Tax-exempt reserves132€13k€13k=
Distributable reserves133€58€58=
Profit (loss) carried forward14€255k€306k▲
Amounts payable17/49€519k€509k▼
Amounts payable after more than one year17€85k€67k▼
Financial debts170/4€85k€67k▼
Amounts payable within one year42/48€430k€433k▲
Current portion of amounts payable after more than one year42€49k€92k▲
Financial debts43€125k€100k▼
Credit institutions430/8€125k€100k▼
Trade debts44€212k€197k▼
Suppliers440/4€212k€197k▼
Taxes, remuneration and social security45€42k€26k▼
Taxes450/3€28k€13k▼
Remuneration and social security454/9€14k€13k▼
Other amounts payable47/48€2k€19k▲
Accrued charges and deferred income492/3€4k€9k▲
Income statement
Code20242025
Non-recurring operating income76A-€853
Remuneration, social security and pensions62€618k€646k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€52k▼
Other operating charges640/8€8k€15k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€668k€801k▲
Operating profit (loss)9901€-17k€84k▲
Financial income75/76B€74€166▲
Recurring financial income75€74€166▲
Financial charges65/66B€20k€16k▼
Recurring financial charges65€20k€16k▼
Profit (loss) for the period before taxes9903€-37k€68k▲
Income taxes67/77-€17k
Profit (loss) for the period9904€-37k€51k▲
Profit (loss) for the period to be appropriated9905€-37k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€255k€306k▲
Profit (loss) brought forward from the previous period14P€292k€255k▼
Social balance
Average headcount (FTE)908712.011.0▼
The notes to these accounts (14 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €51k
Net result €51k after one loss-making year.
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-37k ▼284%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €124k ▲481%
Operating result €131k, net result €124k, both a record.
31-12
Financial
Equity above €200kEq €266k ▲87.5%
4 profitable years in a row build equity to €266k.
06-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
01-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
04-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 acts for this company are 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, Florenville · 1 establishment unit since 1979
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.
Rue de la Station 936820 FlorenvilleGround area
332 m²
Building footprint
108 m²
Volume, LiDAR
1,152 m³
Parcel 85011B0350/00P000, Wallonia · tallest building 12.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BATI - FLOR
since 19792.016.193.203
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85011B0350/00P000 | Wallonia | 332 m² | 1 · 108 m² | 12.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
LEFEVRE LODE
BE 0806.514.121
Menen · Eq €360,637
Thijs Gevelbepleisteringen
BE 0462.910.130
Houthalen-Helchteren · Eq €361,023
SUZAR PROTECT
BE 0797.790.752
Sprimont · Eq €360,508
KWALISTUK
BE 0453.257.343
Lebbeke · Eq €361,741
MARC PAELINCK
BE 0442.636.635
Sint-Gillis-Waas · Eq €362,030
Of 4,012 companies in sector 43310 we hold annual accounts for 1,745. 1,155 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
Founded01-01-1979
Fiscal year end31-12
Activities, NACEBEL 2025
43310Plastering work
43990Other specialised construction activities
41001General construction of residential buildings
43120Site preparation
43211General electrical installation work
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 46 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.