Skip to content

CH FLOWERS

Active
Private limited companyfounded 201016 yrs activeChaussée de Bruxelles 724, 1410 Waterloo, BelgiumKBO/BCE: BE 0822.970.071
Summary

CH FLOWERS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €441,490 and a net result of €81,110. Equity is growing by ~34% per year across the filed fiscal years. Its solvency ranks better than 90% of 4913 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
CH FLOWERSActiveChecked score 98/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of flowers, plants, seeds and fertilisers
NACE 47761
2 sites
Size
€536,596total assets 2025
Staff
2 FTE
Equity
€441,490
Profit
€81,110
Financial health
98 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 54 d early0 of 7 deeds read
Why 98- Sector Retail trade (NACE 47)+ Liquidity: current ratio 6.29, cash €231,443+ Equity €441,490 (82.3% of total assets)+ Founded in 2010Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Better than 87% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100+4
equity 82.3% of total assets
Liquidity 100+6
short-term debt 10.1% · cash 43.1%
Profitability 88-1
return on assets 15.1%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,158 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%▲ +19.7% vs 12-2024 02-2025: 0.1%● 0.0% vs 01-2025 03-2025: 0.1%● 0.0% vs 02-2025 04-2025: 0.1%▼ -1.4% vs 03-2025 05-2025: 0.1%▼ -9.7% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.1%● 0.0% vs 06-2025 08-2025: 0.1%▲ +6.2% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%▲ +10.1% vs 09-2025highest value 11-2025: 0.1%▼ -9.2% vs 10-2025 12-2025: 0.1%▲ +2.9% vs 11-2025 01-2026: < 0.1%▼ -35.2% vs 12-2025 02-2026: < 0.1%▼ -2.2% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% vs 02-2026lowest value 04-2026: < 0.1%● 0.0% vs 03-2026lowest value 05-2026: < 0.1%● 0.0% vs 04-2026lowest value 06-2026: < 0.1%● 0.0% vs 05-2026lowest value 07-2026: < 0.1%● 0.0% vs 06-2026lowest value 08-2026: < 0.1%▲ +2.2% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%▲ +4.3% vs 09-2026
  • Liquidity: current ratio 6.29, cash €231,443 lowers the probability
  • Equity €441,490 (82.3% of total assets) lowers the probability
  • Founded in 2010 lowers the probability for this profile
  • Sector Retail trade (NACE 47) raises the probability
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 6.29 against 3.97 in 2024; short-term debt: 10.1% and cash: 43.1% of total assets), and 17.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 97%, profitability 82%, growth against the median 75%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 6.29, cash €231,443
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €441,490 (82.3% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 2010
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
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 08-12-2025, 54 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
54 d early
2024
46 d early
2023
44 d early
2022
57 d early
2021
53 d early
2020
9 d early
2019
50 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 45 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 9 December (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close06-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: Among the best 10% on solvencysector median 36.2% · 4,913 companies 82.3% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €81,110 7 years View

By topic

Financials

Fiscal year
2025
Total assets
€536,596
Profit
€81,110
Solvency
82.3%
Total assets▲ 6.4%
Net result
20192025
Go to Financials

Timeline

Events
14
Since
2016
Next accounts
by 31-01-2027
  1. 08-12-2025Annual accounts filed
  2. 16-12-2024Annual accounts filed
  3. 18-12-2023Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of flowers, plants, seeds and fertilisersNACE 47761
Founded
05-02-2010
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure