FLAM & co
ActiveFLAM & co has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €152k and a net result of €2k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 95% of 11185 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
86
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▲+1
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 32.99 against 25.1 in 2024), and 2.3% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
97.7%
Return on assets
1.2%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-01-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
38 d early
2023
58 d early
2022
5 d early
2021
5 d early
2020
2 d early
2019
57 d early
← before the deadline
after the deadline →
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 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€152k▲ 1.3%
2024 · €150k
2019: €100k
2020: €142k
2021: €143k
2022: €146k
2023: €148k
2024: €150k
2019 → 2025
Total assets
€155k▲ 0.5%
2024 · €155k
2019: €473k
2020: €177k
2021: €163k
2022: €157k
2023: €156k
2024: €155k
2019 → 2025
Net result
€2k▲ 27.4%
2024 · €1k
2019: €13k
2020: €41k
2021: €2k
2022: €3k
2023: €2k
2024: €1k
2019 → 2025
Working capital
€117k▲ 1.7%
2024 · €115k
2019: €29k
2020: €117k
2021: €116k
2022: €116k
2023: €116k
2024: €115k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€143k-€146k▲ 1.8%€148k▲ 1.7%€150k▲ 1.0%€152k▲ 1.3%
Operating result€3k-€4k▲ 40.1%€4k▼ 4.3%€2k▼ 39.4%€2k▲ 6.2%
Net result€2k-€3k▲ 51.2%€2k▼ 2.0%€1k▼ 40.1%€2k▲ 27.4%
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 6% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€35k=
Current assets
€120k▲ 0.7%
Equity and liabilities €155k
Equity
€152k▲ 1.3%
Debt
€4k▼ 23.4%
The debt ratio falls from 3.1% to 2.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
97.7%▲
2024 · 96.9%
Current ratio
32.99▲
2024 · 25.10
Quick ratio
32.99▲
2024 · 25.10
Debt / equity
0.02▼
2024 · 0.03
ROE
1.2%▲
2024 · 1.0%
ROA
1.2%▲
2024 · 1.0%
Debt
€4k▼
2024 · €5k
Debt ≤ 1 year
€4k▼
2024 · €5k
Income taxes
€414▼
2024 · €567
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€155k€155k▲
Fixed assets21/28€35k€35k=
Tangible fixed assets22/27€35k€35k=
Land and buildings22€35k€35k=
Current assets29/58€120k€120k▲
Amounts receivable within one year40/41€113k€112k▼
Other amounts receivable41€113k€112k▼
Cash at bank and in hand54/58€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€155k€155k▲
Equity10/15€150k€152k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€142k€144k▲
Amounts payable17/49€5k€4k▼
Amounts payable within one year42/48€5k€4k▼
Current portion of amounts payable after more than one year42€2k-
Trade debts44-€701
Suppliers440/4-€701
Taxes, remuneration and social security45€550€949▲
Taxes450/3€550€949▲
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Other operating charges640/8€469€1k▲
Gross operating margin9900€3k€4k▲
Operating profit (loss)9901€2k€2k▲
Financial income75/76B€58€51▼
Recurring financial income75€58€51▼
Financial charges65/66B€261€139▼
Recurring financial charges65€261€139▼
Profit (loss) for the period before taxes9903€2k€2k▲
Income taxes67/77€567€414▼
Profit (loss) for the period9904€1k€2k▲
Profit (loss) for the period to be appropriated9905€1k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€142k€144k▲
Profit (loss) brought forward from the previous period14P€140k€142k▲
The notes to these accounts (3 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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €150kEq €152k ▲1.3%
7 profitable years in a row build equity to €152k.
2024
24-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €1k ▼40.1%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity doublescurrent ratio 21.43
Current ratio from 10.48 to 21.43; short-term debt falls from €12k to €6k.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Highest result since 2019net €41k ▲219%
Operating result €66k, net result €41k, both a record.
30-06
Financial
Liquidity quadruplescurrent ratio 5.65
Current ratio from 1.32 to 5.65; short-term debt falls from €90k to €25k.
2019
05-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
27-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 162 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
FLAMEND Olivier Joseph Marie Ghislain
CurrentDirector · since 31-01-2024
31-01-2024
Appointed as Director
31-01-2024
Resigned as Manager
Location & real-estate footprint
Registered office, Eghezée · 1 establishment unit since 2006
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.
Route de Ramillies 65310 EghezéeGround area
2,609 m²
Building footprint
349 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Grand-Route, Hing. 73, 5380 Fernelmont
since 20062.153.415.638
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92035B0068/00H000 | Wallonia | 2,184 m² | 1 · 237 m² | - |
| 92064B0278/00G002 | Wallonia | 425 m² | 1 · 113 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.
Similar companies · same sector, comparable size
Zakenkantoor Van Hoecke
BE 0446.610.764
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COUNTRYWIDE TRADING AND MANAGEMENT SERVICES
BE 0461.147.797
Brasschaat · Eq €151k
HORSE CARE
BE 0426.179.101
Alken · Eq €151k
I.C.P.
BE 0412.838.631
Gent · Eq €153k
VAN DE VOORDE ELS
BE 0845.845.641
Waasmunster · Eq €150k
Of 4,406 companies in sector 46180 we hold annual accounts for 1,875. 1,393 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2006
Fiscal year end30-06
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:081/811508