FIFLORMA
ActiveFIFLORMA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.16M and a net result of €226k. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 66% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82=
Solvency78▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 1.65 against 1.71 in 2024; short-term debt: 33% and cash: 18.6% of total assets), and 46.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
53.2%
Return on assets
10.4%
Age of the figures
12 mo
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
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-05-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
2 d late
2023
24 d late
2022
30 d late
2021
5 d early
2020
5 d late
2019
5 d late
← before the deadline
after the deadline →
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
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.16M▼ 6.9%
2024 · €1.24M
2018: €581k
2019: €822k
2020: €552k
2021: €910k
2022: €783k
2023: €1.03M
2024: €1.24M
2018 → 2025
Total assets
€2.18M▲ 4.8%
2024 · €2.08M
2018: €1.15M
2019: €1.25M
2020: €2.38M
2021: €2.25M
2022: €2.02M
2023: €2.14M
2024: €2.08M
2018 → 2025
Net result
€226k▲ 4.4%
2024 · €217k
2018: €132k
2019: €241k
2020: €-270k
2021: €359k
2022: €-27k
2023: €245k
2024: €217k
2018 → 2025
Working capital
€466k▲ 25.4%
2024 · €372k
2018: €204k
2019: €447k
2020: €-13k
2021: €304k
2022: €104k
2023: €243k
2024: €372k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€910k-€783k▼ 13.9%€1.03M▲ 31.2%€1.24M▲ 21.1%€1.16M▼ 6.9%
Operating result€396k-€217▼ 99.9%€300k▲ 137,912%€331k▲ 10.5%€350k▲ 5.8%
Net result€359k-€-27k€245k€217k▼ 11.4%€226k▲ 4.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.18M
Fixed assets
€993k▼ 15.9%
Current assets
€1.18M▲ 32.1%
Equity and liabilities €2.18M
Equity
€1.16M▼ 6.9%
Debt
€1.02M▲ 22.4%
The debt ratio rises from 40.1% to 46.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€565k▲
2024 · €541k
Cash flow
€441k▲
2024 · €426k
Solvency
53.2%▼
2024 · 59.9%
Current ratio
1.65▼
2024 · 1.71
Quick ratio
1.12▲
2024 · 1.04
Debt / equity
0.88▲
2024 · 0.67
ROE
19.5%▲
2024 · 17.4%
ROA
10.4%▼
2024 · 10.4%
Interest coverage
17.87▲
2024 · 16.46
Debt
€1.02M▲
2024 · €832k
Debt ≤ 1 year
€719k▲
2024 · €525k
Debt > 1 year
€299k▼
2024 · €307k
Income taxes
€102k▲
2024 · €92k
Staff costs
€998k▲
2024 · €835k
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€2.08M€2.18M▲
Fixed assets21/28€1.18M€993k▼
Tangible fixed assets22/27€1.18M€993k▼
Plant, machinery and equipment23€652k€559k▼
Furniture and vehicles24€90k€61k▼
Other tangible fixed assets26€438k€373k▼
Current assets29/58€897k€1.18M▲
Stocks and contracts in progress3€352k€381k▲
Stocks30/36€352k€381k▲
Amounts receivable within one year40/41€94k€391k▲
Trade receivables40€94k€101k▲
Other amounts receivable41-€290k
Current investments50/53€210k€0▼
Cash at bank and in hand54/58€227k€405k▲
Deferred charges and accrued income490/1€14k€8k▼
Equity and liabilities
Total equity and liabilities10/49€2.08M€2.18M▲
Equity10/15€1.24M€1.16M▼
Contributions10/11€400k€400k=
Reserves13€845k€759k▼
Tax-exempt reserves132€7k€7k=
Distributable reserves133€838k€752k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€832k€1.02M▲
Amounts payable after more than one year17€307k€299k▼
Financial debts170/4€244k€132k▼
Trade debts175€63k€167k▲
Amounts payable within one year42/48€525k€719k▲
Current portion of amounts payable after more than one year42€174k€175k▲
Trade debts44€216k€108k▼
Suppliers440/4€216k€108k▼
Taxes, remuneration and social security45€135k€124k▼
Taxes450/3€17k€6k▼
Remuneration and social security454/9€118k€119k▲
Other amounts payable47/48-€312k
Income statement
Code20242025
Remuneration, social security and pensions62€835k€998k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€210k€214k▲
Other operating charges640/8€8k€7k▼
Gross operating margin9900€1.38M€1.57M▲
Operating profit (loss)9901€331k€350k▲
Financial income75/76B€10k€10k▼
Recurring financial income75€10k€10k▼
Financial charges65/66B€33k€32k▼
Recurring financial charges65€33k€32k▼
Profit (loss) for the period before taxes9903€309k€328k▲
Income taxes67/77€92k€102k▲
Profit (loss) for the period9904€217k€226k▲
Profit (loss) for the period to be appropriated9905€217k€226k▲
Appropriation of the result
Profit (loss) to be appropriated9906€217k€226k▲
Transfer from equity791/2-€312k
Transfer to equity691/2€217k€226k▲
To other reserves6921€217k€226k▲
Profit to be distributed694/7-€312k
Return on contributions (dividend)694-€312k
Social balance
Average headcount (FTE)908722.125.0▲
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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
02-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 2 days late
2024
24-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 24 days late
2023
30-09
Financial
Back to profitnet €245k
Net result €245k after one loss-making year.
30-09
Financial
Equity above €1MEq €1.03M ▲31.2%
Equity rises from €783k to €1.03M.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Back to profitnet €359k
Net result €359k after one loss-making year.
05-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 5 days late
2020
30-09
Financial
Weakest financial yearnet €-270k ▼212%
Net result drops to €-270k, the lowest in the series; recovery starts the following year.
05-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 5 days late
2019
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 16 days late
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Diest · 1 establishment unit since 2012
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.
Michel Theysstraat 703290 DiestGround area
4,828 m²
Building footprint
1,702 m²
Volume, LiDAR
9,550 m³
Parcel 24020A1452/00E000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EURO SPAR
since 20122.211.601.681
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24020A1452/00E000 | Flanders | 4,828 m² | 1 · 1,702 m² | 9.3 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 8 entries · 54,217 EUR awarded · 54,457 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 13,113 EUR | 13,113 EUR |
| 2024 | 2 | 13,959 EUR | 13,959 EUR |
| 2023 | 2 | 14,363 EUR | 14,603 EUR |
| 2022 | 2 | 12,782 EUR | 12,782 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyDiest2.211.601.681
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 2,082 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-07-2012
Fiscal year end30-09
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:info@euirospardiest.be
Phone:016/46.28.73
E-mail:info@eurospardiest.be