Skip to content

Flaco

Active
Private limited companyfounded 200224 yrs activeVerdurestraat 2, 9700 Oudenaarde, BelgiumKBO/BCE: BE 0477.963.243
Summary

Flaco has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€12,303) and a net result of €13,260. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 9624 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
FlacoActiveChecked score 56/100
Risk analysis ReportCompare

Overview

Activity
Wholesale of household textiles and bedding
NACE 46412NACE 51410
1 site
Size
€11,088total assets 2025
Equity
-€12,303
Profit
€13,260
Turnover not published (abridged schema)
Financial health
56 Fair Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Accounts 39 d early0 of 3 deeds read
Why 56Capped at 59: negative equity- Negative equity -€12,303+ Size: total assets €11,088+ Founded in 2002+ Figures for FY 2025 (filed 22-06-2026)Show the evidence

Checked score

Score 2025
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 55% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 0=
equity -111.0% of total assets
Liquidity 35-15
short-term debt 173.9% · cash 27.7%
Profitability 100+37
return on assets 119.6%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,865 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%▼ -1.2% vs 12-2024 02-2025: 0.3%● 0.0% vs 01-2025 03-2025: 0.3%▲ +2.1% vs 02-2025 04-2025: 0.3%▲ +3.6% vs 03-2025highest value 05-2025: 0.3%▼ -3.5% vs 04-2025 06-2025: 0.3%▼ -0.6% vs 05-2025 07-2025: 0.2%▼ -28.1% vs 06-2025 08-2025: 0.2%● 0.0% vs 07-2025 09-2025: 0.2%● 0.0% vs 08-2025 10-2025: 0.2%● 0.0% vs 09-2025 11-2025: 0.2%● 0.0% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%▼ -1.3% vs 12-2025 02-2026: 0.2%● 0.0% vs 01-2026 03-2026: 0.2%▲ +3.8% vs 02-2026 04-2026: 0.2%▼ -2.0% vs 03-2026 05-2026: 0.2%▼ -3.3% vs 04-2026lowest value 06-2026: 0.2%▲ +0.4% vs 05-2026 07-2026: 0.3%▲ +29.7% vs 06-2026 08-2026: 0.3%● 0.0% vs 07-2026 09-2026: 0.3%● 0.0% vs 08-2026 10-2026: 0.3%● 0.0% vs 09-2026
  • Size: total assets €11,088 lowers the probability for this profile
  • Negative equity -€12,303 raises the probability
  • Founded in 2002 lowers the probability for this profile
  • Figures for FY 2025 (filed 22-06-2026) lowers the probability
No credit on open account
Liquidity short (current ratio 0.34 against 0.26 in 2024; short-term debt: 173.9% and cash: 27.7% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 6%, liquidity 32%, profitability 95%, growth against the median 88%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €11,088
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Negative equity -€12,303
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 2002
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Figures for FY 2025 (filed 22-06-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9624 sector peers (2025).
NBB · sector comparison
Position among 9624 sector peers
Solvency
better than 5%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-06-2026, 39 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
39 d early
2024
41 d early
2023
41 d early
2022
29 d late
2021
12 d early
2020
24 d early
2019
21 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 21 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 22 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Annual accounts filedfiscal year 2023 · abbreviated…

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€12,303 View
  • Caution: Among the weakest 5% on solvencysector median 43.6% · 9,624 companies -111.0% View
  • Positive: 7 profitable years in a rowprofit 2025: €13,260 7 years View

By topic

Financials

Fiscal year
2025
Total assets
€11,088
Profit
€13,260
Solvency
-111.0%
Total assets▲ 17.0%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 22-06-2026Annual accounts filed
  2. 20-06-2025Annual accounts filed
  3. 20-06-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Wholesale of household textiles and beddingNACE 46412
Founded
11-07-2002
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure