FIORE
ActiveSummary
FIORE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €756k and a net result of €86k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 78% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▲+3
Solvency93▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 4.39 against 4.86 in 2024; short-term debt: 20% and cash: 11% of total assets), and 32.2% of the assets are financed with debt.
Credit check 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
67.8%
Return on assets
7.7%
Age of the figures
15 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 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 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
2 d late
2024
16 d late
2023
22 d late
2022
15 d late
2021
on the day
2020
4 d late
2019
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€756k▲ 4.0%
2024 · €727k
2019: €409klowest in 7 years
2020: €466k▲ +13.9% vs 2019
2021: €597k▲ +28.2% vs 2020
2022: €701k▲ +17.4% vs 2021
2023: €717k▲ +2.2% vs 2022
2024: €727k▲ +1.4% vs 2023
2025: €756k▲ +4.0% vs 2024highest in 7 years
2019 → 2025
Total assets
€1.11M=
2024 · €1.11M
2019: €836klowest in 7 years
2020: €914k▲ +9.4% vs 2019
2021: €1.12M▲ +22.0% vs 2020
2022: €1.20M▲ +7.2% vs 2021highest in 7 years
2023: €1.12M▼ -6.0% vs 2022
2024: €1.11M▼ -0.8% vs 2023
2025: €1.11M● +0.0% vs 2024
2019 → 2025
Net result
€86k▲ 50.6%
2024 · €57k
2019: €121k
2020: €57k▼ -53.2% vs 2019lowest in 7 years
2021: €174k▲ +207% vs 2020highest in 7 years
2022: €147k▼ -15.8% vs 2021
2023: €65k▼ -55.4% vs 2022
2024: €57k▼ -12.9% vs 2023
2025: €86k▲ +50.6% vs 2024
2019 → 2025
Working capital
€757k▼ 3.7%
2024 · €786k
2019: €362klowest in 7 years
2020: €547k▲ +51.0% vs 2019
2021: €654k▲ +19.4% vs 2020
2022: €757k▲ +15.8% vs 2021
2023: €769k▲ +1.6% vs 2022
2024: €786k▲ +2.2% vs 2023highest in 7 years
2025: €757k▼ -3.7% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€597k-€701k▲ 17.4%€717k▲ 2.2%€727k▲ 1.4%€756k▲ 4.0%
2021: €597klowest in 5 years
2022: €701k▲ +17.4% vs 2021
2023: €717k▲ +2.2% vs 2022
2024: €727k▲ +1.4% vs 2023
2025: €756k▲ +4.0% vs 2024highest in 5 years
Operating result€257k-€219k▼ 14.9%€97k▼ 55.7%€81k▼ 16.7%€131k▲ 62.2%
2021: €257khighest in 5 years
2022: €219k▼ -14.9% vs 2021
2023: €97k▼ -55.7% vs 2022
2024: €81k▼ -16.7% vs 2023lowest in 5 years
2025: €131k▲ +62.2% vs 2024
Net result€174k-€147k▼ 15.8%€65k▼ 55.4%€57k▼ 12.9%€86k▲ 50.6%
2021: €174khighest in 5 years
2022: €147k▼ -15.8% vs 2021
2023: €65k▼ -55.4% vs 2022
2024: €57k▼ -12.9% vs 2023lowest in 5 years
2025: €86k▲ +50.6% vs 2024
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 62% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€134k ▲ 7.7%
Current assets
€981k ▼ 0.9%
Equity and liabilities €1.11M
Equity
€756k ▲ 4.0%
Debt
€358k ▼ 7.4%
Debt's share of the balance-sheet total falls from 34.7% to 32.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€153k▲
2024 · €139k
Cash flow
€108k▼
2024 · €115k
Current ratio
4.39▼
2024 · 4.86
Quick ratio
1.99▼
2024 · 2.61
Debt to equity
0.47▼
2024 · 0.53
ROE
11.4%▲
2024 · 7.8%
ROA
7.7%▲
2024 · 5.1%
Interest coverage
10.01▼
2024 · 10.64
Debt ≤ 1 year
€223k▲
2024 · €204k
Debt > 1 year
€135k▼
2024 · €181k
Income taxes
€32k▲
2024 · €12k
Staff costs
€242k▼
2024 · €242k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.11M€1.11M=
Fixed assets21/28€124k€134k▲
Tangible fixed assets22/27€114k€124k▲
Furniture and vehicles24€16k€11k▼
Other tangible fixed assets26€99k€112k▲
Financial fixed assets28€10k€10k=
Current assets29/58€990k€981k▼
Stocks and contracts in progress3€459k€537k▲
Stocks30/36€459k€537k▲
Amounts receivable within one year40/41€252k€182k▼
Trade receivables40€63k€7k▼
Other amounts receivable41€190k€175k▼
Current investments50/53€101k€135k▲
Cash at bank and in hand54/58€174k€122k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.11M€1.11M=
Equity10/15€727k€756k▲
Contributions10/11€19k€19k=
Reserves13€701k€737k▲
Distributable reserves133€701k€737k▲
Profit (loss) carried forward14€8k€790▼
Amounts payable17/49€387k€358k▼
Amounts payable after more than one year17€181k€135k▼
Financial debts170/4€181k€135k▼
Amounts payable within one year42/48€204k€223k▲
Current portion of amounts payable after more than one year42€45k€46k▲
Trade debts44€62k€16k▼
Suppliers440/4€62k€16k▼
Taxes, remuneration and social security45€97k€109k▲
Taxes450/3€69k€80k▲
Remuneration and social security454/9€28k€29k▲
Other amounts payable47/48€281€52k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Remuneration, social security and pensions62€242k€242k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€22k▼
Other operating charges640/8€8k€3k▼
Gross operating margin9900€390k€398k▲
Operating profit (loss)9901€81k€131k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€13k€15k▲
Recurring financial charges65€13k€15k▲
Profit (loss) for the period before taxes9903€69k€118k▲
Income taxes67/77€12k€32k▲
Profit (loss) for the period9904€57k€86k▲
Profit (loss) for the period to be appropriated9905€57k€86k▲
Appropriation of the result
Profit (loss) to be appropriated9906€65k€94k▲
Profit (loss) brought forward from the previous period14P€8k€8k=
Transfer from equity791/2€31k€57k▲
Transfer to equity691/2€41k€93k▲
To other reserves6921€41k€93k▲
Profit to be distributed694/7€47k€57k▲
Return on contributions (dividend)694€47k€57k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €234k | €216k | €242k | €242k | ▼ 0.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €63k | €66k | €54k | €58k | €22k | ▼ 62.2% |
| Other operating charges640/8 | - | €3k | €3k | €8k | €3k | ▼ 59.5% |
| Gross operating margin9900 | €494k | €522k | €370k | €390k | €398k | ▲ 2.2% |
| Operating profit (loss)9901 | €257k | €219k | €97k | €81k | €131k | ▲ 62.2% |
| Financial income75/76B | - | €1k | €1k | €2k | €2k | ▲ 36.7% |
| Recurring financial income75 | €450 | €1k | €1k | €2k | €2k | ▲ 36.7% |
| Financial charges65/66B | - | €8k | €7k | €13k | €15k | ▲ 17.2% |
| Recurring financial charges65 | €9k | €8k | €7k | €13k | €15k | ▲ 17.2% |
| Profit (loss) for the period before taxes9903 | €249k | €212k | €91k | €69k | €118k | ▲ 70.1% |
| Income taxes67/77 | €75k | €65k | €26k | €12k | €32k | ▲ 159% |
| Profit (loss) for the period9904 | €174k | €147k | €65k | €57k | €86k | ▲ 50.6% |
| Profit (loss) for the period to be appropriated9905 | €174k | €147k | €65k | €57k | €86k | ▲ 50.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.12M | €1.20M | €1.12M | €1.11M | €1.11M | = |
| Fixed assets21/28 | €190k | €149k | €119k | €124k | €134k | ▲ 7.7% |
| Tangible fixed assets22/27 | €175k | €134k | €109k | €114k | €124k | ▲ 8.4% |
| Furniture and vehicles24 | - | €6k | €15k | €16k | €11k | ▼ 26.6% |
| Other tangible fixed assets26 | - | €128k | €94k | €99k | €112k | ▲ 13.9% |
| Financial fixed assets28 | €15k | €15k | €10k | €10k | €10k | = |
| Current assets29/58 | €925k | €1.05M | €1.00M | €990k | €981k | ▼ 0.9% |
| Stocks and contracts in progress3 | €336k | €448k | €505k | €459k | €537k | ▲ 17.0% |
| Stocks30/36 | - | €448k | €505k | €459k | €537k | ▲ 17.0% |
| Amounts receivable within one year40/41 | €230k | €240k | €247k | €252k | €182k | ▼ 27.8% |
| Trade receivables40 | - | €20k | €38k | €63k | €7k | ▼ 88.6% |
| Other amounts receivable41 | - | €220k | €209k | €190k | €175k | ▼ 7.8% |
| Current investments50/53 | €100k | €120k | €100k | €101k | €135k | ▲ 34.4% |
| Cash at bank and in hand54/58 | €256k | €234k | €147k | €174k | €122k | ▼ 29.6% |
| Deferred charges and accrued income490/1 | - | €3k | €4k | €4k | €4k | ▼ 8.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.12M | €1.20M | €1.12M | €1.11M | €1.11M | = |
| Equity10/15 | €597k | €701k | €717k | €727k | €756k | ▲ 4.0% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €571k | €675k | €690k | €701k | €737k | ▲ 5.2% |
| Distributable reserves133 | - | €675k | €690k | €701k | €737k | ▲ 5.2% |
| Profit (loss) carried forward14 | €8k | €8k | €8k | €8k | €790 | ▼ 90.2% |
| Amounts payable17/49 | €518k | €494k | €406k | €387k | €358k | ▼ 7.4% |
| Amounts payable after more than one year17 | €246k | €205k | €172k | €181k | €135k | ▼ 25.4% |
| Financial debts170/4 | - | €205k | €172k | €181k | €135k | ▼ 25.4% |
| Amounts payable within one year42/48 | €272k | €288k | €234k | €204k | €223k | ▲ 9.7% |
| Current portion of amounts payable after more than one year42 | - | €101k | €99k | €45k | €46k | ▲ 2.2% |
| Trade debts44 | €24k | €28k | €27k | €62k | €16k | ▼ 73.7% |
| Suppliers440/4 | - | €28k | €27k | €62k | €16k | ▼ 73.7% |
| Taxes, remuneration and social security45 | - | €158k | €107k | €97k | €109k | ▲ 12.9% |
| Taxes450/3 | - | €133k | €84k | €69k | €80k | ▲ 16.1% |
| Remuneration and social security454/9 | - | €25k | €23k | €28k | €29k | ▲ 4.9% |
| Other amounts payable47/48 | - | €2k | €507 | €281 | €52k | ▲ 18,357% |
| Accrued charges and deferred income492/3 | - | - | - | €2k | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €174k | €147k | €65k | €57k | €86k | ▲ 50.6% |
| + Depreciation and write-downs630 | €63k | €66k | €54k | €58k | €22k | ▼ 62.2% |
| Operating cash flow (approximation) | €237k | €213k | €119k | €115k | €108k | ▼ 6.2% |
| Investment in fixed assets (approximation) | - | €-25k | €-24k | €-63k | €-31k | ▲ 50.0% |
| Change in cash | - | €-22k | €-88k | €27k | €-51k | ▼ 290% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
16-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 16 days late
2024
22-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
15-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 15 days late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €174k ▲207%
Operating result €257k, net result €174k, both a record.
30-06
Financial
Equity above €500kEq €597k ▲28.2%
3 profitable years in a row build equity to €597k.
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
30-06
Financial
Weakest financial yearnet €57k ▼53.2%
Net result drops to €57k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Mont-Saint-Guibert · 2 establishment units since 2009
Ground area
2,867 m²
Building footprint
562 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
FIORE
since 20092.180.596.127
Mike's Flowers
since 20122.214.583.739
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25020B0141/00T000 | Wallonia | 1,775 m² | 1 · 354 m² | - |
| 92252A0346/00F000 | Wallonia | 1,092 m² | 1 · 208 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,386 companies in sector 47761 we hold annual accounts for 1,156. 743 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-08-2009
Fiscal year end30-06
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
46220Wholesale trade
47559Retail sale of other household articles
77226Rental and leasing activities
81300Landscape service activities
Contact
E-mail
info@mikesflowers.be
Phone
081/60.10.16Gembloux
Fax
081/60.10.96Gembloux
Scores and ratios are computed by Checked and are not a credit decision.