Fine Fleur

Active

Private limited companyfounded 20205 yrs activeLange Gasthuisstraat 41B, 2000 Antwerpen, BelgiumKBO/BCE: BE 0759.565.725

The computed 12-month bankruptcy probability of Fine Fleur is 2.9% (moderate). The 2025 annual accounts show equity of €575k and a net result of €161k. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 72% of 13240 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

69 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability88▲+9

Solvency81▲+16

Growth78=

Track record94

Bankruptcy probability, 12 months

2.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €35k at 30 days acceptable

Liquidity ample (current ratio 1.82 against 1.33 in 2024; short-term debt: 31.9% and cash: 26.8% of total assets), and 44.5% of the assets are financed with debt.

How do we compute the score and the probability?

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

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

55.5%

Return on assets

15.6%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 5 filings

Deviation from the deadline

2025

24 d late

2024

7 d early

2023

258 d late

2022

31 d late

2021

47 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

20-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€575k▲ 39.0%

2024 · €414k

2021: €15k 2022: €263k 2023: €330k 2024: €414k

2021 → 2025

Total assets

€1.04M▼ 0.9%

2024 · €1.05M

2021: €741k 2022: €933k 2023: €969k 2024: €1.05M

2021 → 2025

Net result

€161k▲ 93.6%

2024 · €83k

2021: €10k 2022: €248k 2023: €208k 2024: €83k

2021 → 2025

Working capital

€271k▲ 88.8%

2024 · €143k

2021: €-231k 2022: €-9k 2023: €68k 2024: €143k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€15k-€263k▲ 1,652%€330k▲ 25.7%€414k▲ 25.2%€575k▲ 39.0%

Operating result€18k-€313k▲ 1,616%€286k▼ 8.7%€146k▼ 48.8%€250k▲ 70.5%

Net result€10k-€248k▲ 2,378%€208k▼ 16.3%€83k▼ 59.8%€161k▲ 93.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 70% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.04M

42.0%

58.0%

Fixed assets €435k▼ 7.5%

Current assets €601k▲ 4.5%

Equity and liabilities €1.04M

55.5%

44.5%

Equity €575k▲ 39.0%

Debt €461k▼ 27.0%

The debt ratio falls from 60.4% to 44.5%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€354k▲

2024 · €246k

Cash flow

€266k▲

2024 · €183k

Solvency

55.5%▲

2024 · 39.6%

Current ratio

1.82▲

2024 · 1.33

Quick ratio

1.37▲

2024 · 0.98

Debt / equity

0.80▼

2024 · 1.53

ROE

28.1%▲

2024 · 20.1%

ROA

15.6%▲

2024 · 8.0%

Interest coverage

13.10▲

2024 · 11.81

Debt

€461k▼

2024 · €632k

Debt ≤ 1 year

€330k▼

2024 · €432k

Debt > 1 year

€129k▼

2024 · €197k

Income taxes

€63k▲

2024 · €44k

Staff costs

€637k▲

2024 · €584k

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€1.05M€1.04M▼

Fixed assets21/28€471k€435k▼

Tangible fixed assets22/27€465k€435k▼

Land and buildings22€150k€171k▲

Plant, machinery and equipment23€178k€149k▼

Furniture and vehicles24€55k€44k▼

Leasing and similar rights25€83k€71k▼

Financial fixed assets28€6k€400▼

Current assets29/58€575k€601k▲

Stocks and contracts in progress3€151k€147k▼

Stocks30/36€151k€147k▼

Amounts receivable within one year40/41€64k€170k▲

Trade receivables40€62k€162k▲

Other amounts receivable41€2k€9k▲

Cash at bank and in hand54/58€359k€278k▼

Deferred charges and accrued income490/1€180€6k▲

Equity and liabilities

Total equity and liabilities10/49€1.05M€1.04M▼

Equity10/15€414k€575k▲

Contributions10/11€5k€5k=

Reserves13€325k€325k=

Non-distributable reserves130/1€500€500=

Reserves not available under the articles1311€500€500=

Distributable reserves133€325k€325k=

Profit (loss) carried forward14€83k€245k▲

Amounts payable17/49€632k€461k▼

Amounts payable after more than one year17€197k€129k▼

Financial debts170/4€197k€129k▼

Amounts payable within one year42/48€432k€330k▼

Current portion of amounts payable after more than one year42€64k€36k▼

Trade debts44€113k€105k▼

Suppliers440/4€113k€105k▼

Advances received on contracts in progress46€5k€40k▲

Taxes, remuneration and social security45€189k€112k▼

Taxes450/3€138k€55k▼

Remuneration and social security454/9€51k€57k▲

Other amounts payable47/48€61k€38k▼

Accrued charges and deferred income492/3€3k€2k▼

Income statement Code20242025

Remuneration, social security and pensions62€584k€637k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€100k€105k▲

Other operating charges640/8€3k€120▼

Gross operating margin9900€832k€991k▲

Operating profit (loss)9901€146k€250k▲

Financial income75/76B€2k€2k▲

Recurring financial income75€2k€2k▲

Financial charges65/66B€21k€27k▲

Recurring financial charges65€21k€27k▲

Profit (loss) for the period before taxes9903€127k€224k▲

Income taxes67/77€44k€63k▲

Profit (loss) for the period9904€83k€161k▲

Profit (loss) for the period to be appropriated9905€83k€161k▲

Appropriation of the result

Profit (loss) to be appropriated9906€83k€245k▲

Profit (loss) brought forward from the previous period14P-€83k

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

24-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 24 days late

2025

31-12

Financial Equity above €500kEq €575k ▲39%

5 profitable years in a row build equity to €575k.

24-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

15-04

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 258 days late

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

31-12

Financial Highest result since 2021net €248k ▲2378%

Operating result €313k, net result €248k, both a record.

31-12

Financial Equity above €200kEq €263k ▲1652%

2 profitable years in a row build equity to €263k.

14-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Antwerpen · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Lange Gasthuisstraat 41B2000 Antwerpen

Ground area

3,340 m²

Building footprint

750 m²

Volume, LiDAR

7,968 m³

Parcel 11803C2473/00B000, Flanders · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

Fine Fleur

Lange Gasthuisstraat 41 B, 2000 AntwerpenFull-service restaurants

since 20212.311.513.463

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11803C2473/00B000 ProtectedCultural-historical landscape · MonumentKruidtuin en Hotel Della FailleSource ↗	Flanders	3,340 m²	1 · 750 m²	15.1 m · 4 fl.