FLEURS CHANTAL
ActiveFLEURS CHANTAL has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €140k and a net result of €-12k. Equity is shrinking by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 70% of 15868 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability12▼-12
Solvency90▼-2
Growth22=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.11 in 2023; short-term debt: 35.1% and cash: 0.8% of total assets), and 35.1% 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
64.9%
Return on assets
-5.6%
Age of the figures
21 mo
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 →
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-12k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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
not confirmed
2024
60 d late
2023
29 d late
2022
30 d late
2021
31 d late
2020
30 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€27k▼ 1.6%
2020 · €27k
2018: €38k
2019: €39k
2020: €27k
2018 → 2021
EBIT margin
-33.5%▲ 0.4pp
2020 · -33.9%
2018: -0.4%
2019: -1.7%
2020: -33.9%
2018 → 2021
Net result
€-12k▼ 148%
2023 · €-5k
2018: €-186
2019: €-750
2020: €-9k
2021: €-9k
2022: €-5k
2023: €-5k
2018 → 2024
Working capital
€-72k▼ 10.0%
2023 · €-66k
2018: €-62k
2019: €-58k
2020: €-61k
2021: €-66k
2022: €-66k
2023: €-66k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€27k-€27k▼ 1.6%
Equity€171k-€162k▼ 5.3%€157k▼ 2.8%€152k▼ 3.1%€140k▼ 8.0%
Operating result€-9k-€-9k▲ 2.9%€-4k▲ 50.5%€-5k▼ 7.8%€-12k▼ 150%
Net result€-9k-€-9k▼ 2.7%€-5k▲ 49.9%€-5k▼ 7.5%€-12k▼ 148%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2024 against €5k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €216k
Fixed assets
€212k▼ 2.6%
Current assets
€3k▼ 60.7%
Equity and liabilities €216k
Equity
€140k▼ 8.0%
Debt
€76k▲ 2.1%
The debt ratio rises from 32.8% to 35.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-7k▼
2023 · €115
Cash flow
€-7k▼
2023 · €-4
Solvency
64.9%▼
2023 · 67.2%
Current ratio
0.04▼
2023 · 0.11
Quick ratio
0.03▼
2023 · 0.10
Debt / equity
0.54▲
2023 · 0.49
ROE
-8.7%▼
2023 · -3.2%
ROA
-5.6%▼
2023 · -2.2%
Interest coverage
-34.54▼
2023 · 0.97
Debt
€76k▲
2023 · €74k
Debt ≤ 1 year
€76k▲
2023 · €74k
Income taxes
€0
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€226k€216k▼
Fixed assets21/28€218k€212k▼
Tangible fixed assets22/27€216k€210k▼
Land and buildings22€210k€205k▼
Plant, machinery and equipment23€5k€5k▼
Furniture and vehicles24€272-
Financial fixed assets28€3k€3k=
Current assets29/58€8k€3k▼
Stocks and contracts in progress3€794€909▲
Stocks30/36€794€909▲
Amounts receivable within one year40/41€1k€692▼
Trade receivables40€1k€539▼
Other amounts receivable41-€153
Cash at bank and in hand54/58€4k€2k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€226k€216k▼
Equity10/15€152k€140k▼
Contributions10/11€168k€168k=
Capital10€168k-
Issued capital100€168k-
Reserves13€15k€15k=
Non-distributable reserves130/1€15k€15k=
Reserves not available under the articles1311€15k€15k=
Profit (loss) carried forward14€-31k€-43k▼
Amounts payable17/49€74k€76k▲
Amounts payable within one year42/48€74k€76k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€939€798▼
Taxes450/3€939€798▼
Other amounts payable47/48€72k€73k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€6k€6k▼
Gross operating margin9900€6k€-1k▼
Operating profit (loss)9901€-5k€-12k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€119€193▲
Recurring financial charges65€119€193▲
Profit (loss) for the period before taxes9903€-5k€-12k▼
Income taxes67/77-€0
Profit (loss) for the period9904€-5k€-12k▼
Profit (loss) for the period to be appropriated9905€-5k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-43k▼
Profit (loss) brought forward from the previous period14P€-26k€-31k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
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, Mouscron · 1 establishment unit since 1996
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.
Menenstraat 2147700 MouscronGround area
3,328 m²
Building footprint
123 m²
Volume, LiDAR
891 m³
Parcel 54436A0432/00H004, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Menenstraat 214, 7700 Mouscron
since 19962.074.681.728
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54436A0432/00H004 | Wallonia | 3,328 m² | 1 · 123 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
BELGIUM CENTER FLOWERS
BE 0446.245.728
Charleroi · Eq €140k
Janaplants
BE 0896.937.719
Lochristi · Eq €142k
LGH CONSULTANCY & SERVICES
BE 0830.819.648
Maasmechelen · Eq €138k
ILE AUX FLEURS
BE 0457.136.254
Bertrix · Eq €137k
DERUDDER BLOEMISTERIJ FLORA
BE 0468.787.835
Merelbeke-Melle · Eq €143k
Of 552 companies in sector 46220 we hold annual accounts for 307. 227 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-11-1995
Fiscal year end31-12
Activities, NACEBEL
46220Wholesale trade
46499Wholesale of other household goods
47761Retail sale of flowers, plants, seeds and fertilisers
51478
52483
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.