DELFLOR
ActiveDELFLOR has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €252k and a net result of €12k. Equity is growing by ~36% per year across the filed fiscal years. Its solvency ranks better than 20% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
61
/ 100
Healthy▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▼-46
Solvency31▲+18
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 0.83 in 2024), but 89.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
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
10.3%
Return on assets
0.5%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 10242 sector peers (2025).
NBB · sector comparisonPosition among 10242 sector peers
Solvency
better than 20%
← weakest
strongest →
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 23-01-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
49 d early
2023
on the day
2022
on the day
2021
on the day
2020
2 d early
2019
32 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€252k▲ 5.0%
2024 · €240k
2019: €-194k
2020: €-263k
2021: €129k
2022: €206k
2023: €206k
2024: €240k
2019 → 2025
Total assets
€2.45M▼ 5.8%
2024 · €2.60M
2019: €1.13M
2020: €1.25M
2021: €1.13M
2022: €1.30M
2023: €1.94M
2024: €2.60M
2019 → 2025
Net result
€12k▼ 63.9%
2024 · €33k
2019: €-7k
2020: €-69k
2021: €92k
2022: €76k
2023: €562
2024: €33k
2019 → 2025
Working capital
€396k
2024 · €-247k
2019: €-622k
2020: €-781k
2021: €-414k
2022: €-351k
2023: €175k
2024: €-247k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€206k▲ 59.0%€206k▲ 0.3%€240k▲ 16.2%€252k▲ 5.0%
Operating result€131k-€90k▼ 31.3%€15k▼ 83.2%€74k▲ 388%€59k▼ 20.0%
Net result€92k-€76k▼ 17.4%€562▼ 99.3%€33k▲ 5,829%€12k▼ 63.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.45M
Fixed assets
€1.39M▼ 2.5%
Current assets
€1.06M▼ 9.8%
Equity and liabilities €2.45M
Equity
€252k▲ 5.0%
Debt
€2.20M▼ 6.9%
The debt ratio falls from 90.8% to 89.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€307k▲
2024 · €258k
Cash flow
€260k▲
2024 · €217k
Solvency
10.3%▲
2024 · 9.2%
Current ratio
1.60▲
2024 · 0.83
Quick ratio
0.63▲
2024 · 0.31
Debt / equity
8.75▼
2024 · 9.87
ROE
4.8%▼
2024 · 13.9%
ROA
0.5%▼
2024 · 1.3%
Interest coverage
6.17▲
2024 · 6.00
Debt
€2.20M▼
2024 · €2.36M
Debt ≤ 1 year
€662k▼
2024 · €1.42M
Debt > 1 year
€1.33M▲
2024 · €529k
Staff costs
€1.07M▲
2024 · €827k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.60M€2.45M▼
Fixed assets21/28€1.43M€1.39M▼
Tangible fixed assets22/27€1.43M€1.28M▼
Plant, machinery and equipment23€369k€267k▼
Furniture and vehicles24€7k€10k▲
Other tangible fixed assets26€1.05M€1.00M▼
Financial fixed assets28€3k€113k▲
Current assets29/58€1.17M€1.06M▼
Stocks and contracts in progress3€738k€639k▼
Stocks30/36€738k€639k▼
Amounts receivable within one year40/41€58k€89k▲
Trade receivables40€6k€2k▼
Other amounts receivable41€51k€88k▲
Cash at bank and in hand54/58€352k€299k▼
Deferred charges and accrued income490/1€25k€31k▲
Equity and liabilities
Total equity and liabilities10/49€2.60M€2.45M▼
Equity10/15€240k€252k▲
Contributions10/11€425k€425k=
Profit (loss) carried forward14€-185k€-173k▲
Amounts payable17/49€2.36M€2.20M▼
Amounts payable after more than one year17€529k€1.33M▲
Financial debts170/4€529k€439k▼
Trade debts175-€890k
Amounts payable within one year42/48€1.42M€662k▼
Current portion of amounts payable after more than one year42€86k€90k▲
Financial debts43€100k€200k▲
Credit institutions430/8€100k€200k▲
Trade debts44€1.14M€211k▼
Suppliers440/4€1.14M€211k▼
Taxes, remuneration and social security45€92k€160k▲
Taxes450/3€675€21k▲
Remuneration and social security454/9€91k€139k▲
Accrued charges and deferred income492/3€415k€211k▼
Income statement
Code20242025
Remuneration, social security and pensions62€827k€1.07M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€184k€248k▲
Other operating charges640/8€15k€5k▼
Gross operating margin9900€1.10M€1.38M▲
Operating profit (loss)9901€74k€59k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€43k€50k▲
Recurring financial charges65€43k€50k▲
Profit (loss) for the period before taxes9903€33k€12k▼
Profit (loss) for the period9904€33k€12k▼
Profit (loss) for the period to be appropriated9905€33k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-185k€-173k▲
Profit (loss) brought forward from the previous period14P€-219k€-185k▲
Social balance
Average headcount (FTE)908723.325.7▲
The notes to these accounts (17 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
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
13-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Equity above €200kEq €206k ▲59%
2 profitable years in a row build equity to €206k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €92k
Net result €92k after 2 loss-making years.
30-06
Financial
Equity above €100kEq €129k
Equity rises from €-263k to €129k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet €-69k
Net result drops to €-69k, the lowest in the series; recovery starts the following year.
2019
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
18-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
27-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
28-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Merelbeke-Melle · 1 establishment unit since 2008
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.
Fraterstraat 86B9820 Merelbeke-MelleGround area
5,425 m²
Building footprint
1,948 m²
Parcel 44043A0157/00G002, Flanders. Linked by address, not a title deed.
1 establishment unit
AD DELHAIZE FLORA
since 20082.171.869.194
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44043A0157/00G002 | Flanders | 5,425 m² | 1 · 1,948 m² | - |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyMerelbeke-Melle2.171.869.194
Dual-learning approval
2 live approvalsWinkelmedewerker (vwo)
Winkelmedewerker duaal (so)
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Of 10,412 companies in sector 47110 we hold annual accounts for 5,785. 3,952 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2008
Fiscal year end30-06
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.