Equity
€16,813 from €60,044 in 2010
Equity fell by 72% in 15 years.
BOVANRO
Lifetime
19 annual accounts with figures on one time axis, 47 filings since 1978peak €38,981 (2006)
€4,269▼ 55.9%
lowest -€7,402 (2023)
-€2,955▼ €3,193
peak €60,044 (2010)
€16,813▼ 15.0%
€10,008▲ 98.8%
peak 1 FTE (2006)
-not published
Board2 names since 2022
2 directorsSomers Kathleen and 1 other
Documentsfilings and deeds
09-12-202553 days before the deadline
2025micro format
Gross margin from €9,674 to €4,269Loss of €2,955Equity from €19,769 to €16,813Debts from €5,036 to €10,008Cash from €8,776 to €14,455
Key points
from the 2025 annual accountsChecked score
87
Excellent
Financially stronger than 56% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,280 companies (NACE 47, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%highest value
01-2025: 0.1%▼ -0.3 percentage points vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025lowest value
08-2025: 0.1%● unchanged vs 07-2025lowest value
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.3%▲ +0.2 percentage points vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Loss of €2,955 (financial year 2025)
Sector: Retail trade (NACE 47)
lowers risk
Liquidity: current ratio 2.67, cash €14,455
Equity €16,813 (62.7% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 75% of them on solvency, 86% on liquidity, 39% on profitability and 23% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 5,831 companies had the same profile as BOVANRO has now. Each dot stands for 15 companies, two years later.
84.6%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BOVANRO itself is lower: 0.3% within 12 months. It rests on far more data about BOVANRO than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,831 companies, not a prediction for BOVANRO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.67 (3.85 in 2024), above the usual 1.5. Short-term debt is 37.3% and cash 53.9% of total assets. 37.3% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-12-2025, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 days early
2024
53 days early
2023
55 days early
2022
42 days early
2021
5 days early
2020
5 days early
2019
60 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 39 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 9 December (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end07-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0417519375
Amendment of the articles · Legal-form change · Resignations & appointments
General meeting of 13-04-2023 · Gazette deed
First establishment
Oude Liersebaan 204, Duffel
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BOVANRO Duffel | €26,822 | €4,269 | 62.7% | - |
| ALVI Lasne | €35,299 | €8,049 | -107.0% | - |
| PHYLLYS FLOR and GARDENS Overijse | €31,252 | €4,662 | 84.9% | - |
| CHAMS TRADING Antwerp | €20,944 | €9,406 | -11.1% | - |
| B.D.H. Lille | €21,807 | €2,311 | 36.7% | - |
| Gebroeders Van Gestel Antwerp | €45,043 | €9,635 | 96.2% | - |
| BEECKMAN Antwerp | €19,544 | €10,493 | -140.1% | - |
These companies have the same main activity as BOVANRO: retail sale of flowers, plants, seeds and fertilisers (NACE 47761). They are comparable in size and age: total assets between €19,500 and €45,000, founded between 1968 and 1996.
Official details
Source: KBO- Status
- Active since 17-05-1977Normal situation
- Activity
- Retail sale of flowers, plants, seeds and fertilisersNACE 47761and 2 others
- Establishment unit
- 2.207.315.5682570 Duffel, since 19-12-2011
- Financial year end
- 30 June
- Peppol
- Reachable since 27-03-2026
Annual accounts to 30-06-2025
- €26,822▲ 8.1%
- Filing
- Filed on 09-12-2025, 53 days before the end of the filing period
Insights on BOVANRO
BOVANRO files the micro format. That format states no turnover. The gross margin fell from €38,981 in 2006 to €4,269 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BOVANRO
- What is the company number of BOVANRO?
- The company number of BOVANRO is 0417.519.375. The VAT number is the same number with BE in front: BE 0417.519.375.
- Where is BOVANRO based?
- The registered office is at Oude Liersebaan 204, 2570 Duffel.Company details
- What does BOVANRO do?
- According to the KBO register, the main activity is retail sale of flowers, plants, seeds and fertilisers (NACE 47761).
- What is the legal form of BOVANRO?
- BOVANRO is a private limited company (BV).
- When was BOVANRO founded?
- BOVANRO was founded on 17-05-1977.
- Is BOVANRO still active?
- Yes, BOVANRO is an active enterprise in the KBO register.
- What is the turnover of BOVANRO?
- The turnover in financial year 2025 is ≈ €45,000. This figure is estimated from the gross margin of €4,269 and 118 comparable companies (NACE 477). It probably lies between €16,000 and €95,000. It is a rough estimate.Financials
- Is BOVANRO profitable?
- In financial year 2025, BOVANRO made a loss of €2,955.
- Where can I find the annual accounts of BOVANRO?
- BOVANRO filed 47 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BOVANRO due?
- BOVANRO must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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