FL. HOUSE
ActiveFL. HOUSE has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €4k. Equity is shrinking by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 36% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-18
Solvency63▼-5
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.66 in 2024; short-term debt: 52.1% and cash: 45.4% of total assets), and 61.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
38.3%
Return on assets
4.4%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
27 d late
2023
30 d late
2022
59 d late
2021
40 d late
2020
24 d late
2019
97 d late
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▼ 19.1%
2024 · €40k
2018: €48k
2019: €54k
2020: €57k
2021: €42k
2022: €28k
2023: €37k
2024: €40k
2018 → 2025
Total assets
€85k▼ 9.0%
2024 · €93k
2018: €142k
2019: €171k
2020: €167k
2021: €100k
2022: €76k
2023: €69k
2024: €93k
2018 → 2025
Net result
€4k▼ 78.5%
2024 · €17k
2018: €16k
2019: €5k
2020: €4k
2021: €9k
2022: €275
2023: €23k
2024: €17k
2018 → 2025
Working capital
€12k▼ 54.5%
2024 · €26k
2018: €14k
2019: €14k
2020: €30k
2021: €26k
2022: €13k
2023: €25k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€28k▼ 33.3%€37k▲ 32.3%€40k▲ 8.4%€33k▼ 19.1%
Operating result€8k-€863▼ 89.1%€28k▲ 3,194%€24k▼ 16.8%€15k▼ 37.6%
Net result€9k-€275▼ 96.9%€23k▲ 8,391%€17k▼ 25.4%€4k▼ 78.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€29k▲ 0.7%
Current assets
€56k▼ 13.4%
Equity and liabilities €85k
Equity
€33k▼ 19.1%
Debt
€52k▼ 1.4%
The debt ratio rises from 56.9% to 61.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €31k
Cash flow
€10k▼
2024 · €25k
Solvency
38.3%▼
2024 · 43.1%
Current ratio
1.26▼
2024 · 1.66
Quick ratio
1.26▼
2024 · 1.66
Debt / equity
1.61▲
2024 · 1.32
ROE
11.5%▼
2024 · 43.3%
ROA
4.4%▼
2024 · 18.6%
Interest coverage
13.58▼
2024 · 61.99
Debt
€52k▼
2024 · €53k
Debt ≤ 1 year
€44k▲
2024 · €39k
Debt > 1 year
€8k▼
2024 · €14k
Income taxes
€11k▲
2024 · €8k
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€93k€85k▼
Fixed assets21/28€29k€29k▲
Tangible fixed assets22/27€29k€29k▲
Plant, machinery and equipment23€958€456▼
Furniture and vehicles24€28k€29k▲
Current assets29/58€65k€56k▼
Amounts receivable within one year40/41€19k€17k▼
Trade receivables40€11k€9k▼
Other amounts receivable41€8k€8k▼
Cash at bank and in hand54/58€44k€39k▼
Deferred charges and accrued income490/1€1k€165▼
Equity and liabilities
Total equity and liabilities10/49€93k€85k▼
Equity10/15€40k€33k▼
Contributions10/11€6k€6k=
Reserves13€2k€6k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€4k
Profit (loss) carried forward14€32k€21k▼
Amounts payable17/49€53k€52k▼
Amounts payable after more than one year17€14k€8k▼
Financial debts170/4€14k€8k▼
Amounts payable within one year42/48€39k€44k▲
Current portion of amounts payable after more than one year42€8k€11k▲
Trade debts44€12k€17k▲
Suppliers440/4€12k€17k▲
Taxes, remuneration and social security45€9k€9k▼
Taxes450/3€9k€9k▼
Other amounts payable47/48€10k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€128€334▲
Non-recurring operating charges66A€294€322▲
Gross operating margin9900€32k€22k▼
Operating profit (loss)9901€24k€15k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€504€2k▲
Recurring financial charges65€504€2k▲
Profit (loss) for the period before taxes9903€26k€15k▼
Income taxes67/77€8k€11k▲
Profit (loss) for the period9904€17k€4k▼
Profit (loss) for the period to be appropriated9905€17k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€36k▼
Profit (loss) brought forward from the previous period14P€29k€32k▲
Transfer to equity691/2-€4k
To other reserves6921-€4k
Profit to be distributed694/7€14k€11k▼
Return on contributions (dividend)694€14k€11k▼
The notes to these accounts (10 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €23k ▲8391%
Operating result €28k, net result €23k, both a record.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Weakest financial yearnet €275 ▼96.9%
Net result drops to €275, the lowest in the series; recovery starts the following year.
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 40 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 97 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
13-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 44 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, Ohey · 1 establishment unit since 2015
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.
Rue du Centre 1545351 OheyGround area
1,690 m²
Building footprint
174 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
FL. HOUSE
since 20152.241.056.623
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92059B0381/00H000 | Wallonia | 1,219 m² | 1 · 89 m² | - |
| 92059B0209/00V000 | Wallonia | 471 m² | 1 · 85 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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 1,759 companies in sector 71122 we hold annual accounts for 770. 594 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-2015
Fiscal year end31-12
Activities, NACEBEL
71122Land surveying
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.