Equity
€1.2m ▼ 6.9%
FIFLORMA paid out €311,873 in dividends. That is 138% of the 2025 profit.
FIFLORMA
Lifetime
13 annual accounts with figures on one time axispeak €1.6m (2025)
€1.6m▲ 13.4%
lowest -€270,093 (2020)
€226,393▲ 4.4%
peak €1.2m (2024)
€1.2m▼ 6.9%
€1.0m▲ 22.4%
peak 25 FTE (2025)
25 FTE▲ 13.1%
Board2 names since 2021
2 directorsFilip Claes and 1 other
Documentsfilings and deeds
28-05-202628 days late
2025abbreviated format
Gross margin from €1.4m to €1.6mStaff from 22.1 FTE to 25 FTEDividend €311,873Debts from €832,031 to €1.0mCash from €226,662 to €404,780
Key points
from the 2025 annual accountsTurnover
≈ €11.0m estimated
The abbreviated format states no turnover.
Investments
€26,993 0.1 × depreciation
Green is investment, beige is depreciation.
Staff
23 employees on 30-09-2025
In 2025, 46 people joined and 46 left.
Filings
13 annual accounts since 2013
Eight of the last ten came late. The 2016 accounts came latest: 31 days after the end of the period.
Position in the sector
€226,393
Higher net result than 90% of companies in retail trade. Sector median €27,425 · 12,844 companies.
Checked score
94
Excellent
Financially stronger than 65% of small companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 3,697 companies (NACE 47, small).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.3%▲ +0.1 percentage points vs 03-2025
05-2025: 0.6%▲ +0.3 percentage points vs 04-2025highest value
06-2025: 0.2%▼ -0.4 percentage points vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.3%▲ +0.1 percentage points vs 03-2026
05-2026: 0.5%▲ +0.2 percentage points vs 04-2026
06-2026: 0.1%▼ -0.4 percentage points vs 05-2026lowest value
07-2026: 0.1%● unchanged vs 06-2026lowest value
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Equity €1.2m (53.2% of total assets)
Liquidity: current ratio 1.65, cash €404,780
Founded in 2012
Figures for financial year 2025 (filed on 28-05-2026)
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, small). It does better than 75% of them on solvency, 79% on liquidity, 81% on profitability and 25% on growth.
The bankruptcy probability was computed on 09-11-2026 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 30-09-2025.
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, 17,811 companies had the same profile as FIFLORMA has now. Each dot stands for 45 companies, two years later.
96.5%
were still trading
3.2%
stopped another way
0.3%
went bankrupt
That fits the bankruptcy probability of FIFLORMA itself: 0.1% within 12 months.
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 17,811 companies, not a prediction for FIFLORMA. 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 €100,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.65 (1.71 in 2024), above the usual 1.5. Short-term debt is 33% and cash 18.6% of total assets. 46.8% 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 risk
raises risk · 2025 accounts filed 28 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
28 days late
2024
2 days late
2023
24 days late
2022
30 days late
2021
5 days early
2020
5 days late
2019
5 days late
← 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 13 days after 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 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 25 May (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0847772872
Changes of role: Filip Claes (director) and Nele Stalmans (director)
General meeting of 31-05-2022 · Gazette deed
Environmental permit granted
Gevel-, dak-, instandhoudings- en renovatiewerken binnen een gebouw, zonder volume- of oppervlaktewijziging, Nieuwe publiciteitsinrichting (met inbegrip van vernieuwen van een bestaande vergunning), Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden and 1 more · Diest
First establishment
EURO SPAR, Michel Theysstraat 70, Diest
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FIFLORMA Diest | €2.2m | €1.6m | 53.2% | 25 |
| GEMA Soumagne | €2.3m | €1.6m | 9.5% | 25.7 |
| Verssupermarkt Lefebre David Zwevegem | €2.3m | €1.3m | 28.0% | 25 |
| DELHERT Herenthout | €2.1m | €2.0m | 24.1% | 24.5 |
| Inter-Gozée Thuin | €2.4m | €1.6m | 10.3% | 27.1 |
| RETAILWANZE Wanze | €2.8m | €1.4m | 47.5% | 22.6 |
| Basiliek Scherpenheuvel-Zichem | €2.5m | €1.7m | 22.7% | 21.6 |
These companies have the same main activity as FIFLORMA: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €2.1m and €2.8m, founded between 2008 and 2013.
Official details
Source: KBO- Status
- Active since 27-07-2012Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110
- Joint committee
- 202.01Medium-sized food businesses · annual accounts 30-09-2025
- Establishment unit
- 2.211.601.6813290 Diest, since 20-08-2012
- Financial year end
- 30 September
- Peppol
- Reachable since 24-11-2023
Annual accounts to 30-09-2025
- €2.2m▲ 4.8%
- Employeeson 30-09-2025
- 23▼ 8.0%
- Filing
- Filed on 28-05-2026
Insights on FIFLORMA
FIFLORMA files the abbreviated format. That format states no turnover. The gross margin rose from €390,322 in 2013 to €1.6m in 2025.
The balance sheet grew most from 2019 to 2020 through fixed assets, financed with long-term debt.
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 FIFLORMA
- What is the company number of FIFLORMA?
- The company number of FIFLORMA is 0847.772.872. The VAT number is the same number with BE in front: BE 0847.772.872.
- Where is FIFLORMA based?
- The registered office is at Michel Theysstraat 70, 3290 Diest.Company details
- What does FIFLORMA do?
- According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
- What is the legal form of FIFLORMA?
- FIFLORMA is a private limited company (BV).
- When was FIFLORMA founded?
- FIFLORMA was founded on 27-07-2012.
- Is FIFLORMA still active?
- Yes, FIFLORMA is an active enterprise in the KBO register.
- How many employees does FIFLORMA have?
- FIFLORMA had an average of 25 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does FIFLORMA fall under?
- In its 30-09-2025 annual accounts, FIFLORMA states joint committee 202.01 (Medium-sized food businesses).
- What is the turnover of FIFLORMA?
- The turnover in financial year 2025 is ≈ €11.0m. This figure is estimated from the gross margin of €1.6m and 30 comparable companies (NACE 471). It probably lies between €6.5m and €13.0m.
- Is FIFLORMA profitable?
- In financial year 2025, FIFLORMA made a profit of €226,393.
- Where can I find the annual accounts of FIFLORMA?
- FIFLORMA filed 13 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FIFLORMA due?
- FIFLORMA must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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