Losses
-€46,784 in ten years
Every financial year from 2016 to 2025 closed with a loss. 2024 was the heaviest.
FLEURS CHANTAL
Lifetime
20 annual accounts with figures on one time axis, 30 filings since 1996peak €43,079 (2006)
€5,763▲ €6,852
lowest -€12,177 (2024)
-€5,467▲ €6,710
peak €183,028 (2007)
€134,511▼ 3.9%
€78,302▲ 3.4%
peak 0.9 FTE (2006)
-not published
Board1 name since 2024
1 directorVAN HECHE PATRICK
Documentsfilings and deeds
30-09-202661 days late
2025micro format
Gross margin from -€1,089 to €5,763Loss of €5,467Cash from €1,658 to €4,181
Key points
from the 2025 annual accountsChecked score
69
Healthy
Financially stronger than 39% of micro companies in wholesale trade (NACE 46)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025lowest value
07-2025: 0.5%▲ +0.1 percentage points vs 06-2025
08-2025: 0.7%▲ +0.2 percentage points vs 07-2025
09-2025: 0.9%▲ +0.2 percentage points vs 08-2025
10-2025: 1.4%▲ +0.5 percentage points vs 09-2025highest value
11-2025: 0.6%▼ -0.8 percentage points vs 10-2025
12-2025: 0.6%● unchanged vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026
08-2026: 1.0%▲ +0.4 percentage points vs 07-2026
09-2026: 1.2%▲ +0.2 percentage points vs 08-2026
10-2026: 0.7%▼ -0.5 percentage points vs 09-2026
11-2026: 0.7%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 61 days late; 2 of the last 3 accounts late
Liquidity: current ratio 0.07, cash €4,181
lowers risk
Founded in 1995
Equity €134,511 (63.2% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 69% of them on solvency, 33% on liquidity, 20% on profitability and 33% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 12,322 companies had the same profile as FLEURS CHANTAL has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FLEURS CHANTAL itself: 0.7% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 12,322 companies, not a prediction for FLEURS CHANTAL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €9,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.07 (0.04 in 2024), below 1. Short-term debt is 36.8% and cash 2% of total assets. 36.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€5,467
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
61 days late
2024
60 days late
2023
29 days late
2022
30 days late
2021
31 days late
2020
30 days late
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 39 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0456498826
First establishment
Menenstraat 214, Mouscron
Incorporation
published on 07-12-1995 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FLEURS CHANTAL Mouscron | €212,813 | €5,763 | 63.2% | - |
| L & MOI Sint-Genesius-Rode | €210,965 | €4,796 | 58.3% | - |
| DWP Lebbeke | €86,493 | €6,555 | 0.9% | - |
| GREEN 4 FLOWERS Bièvre | €145,320 | €10,358 | 72.3% | - |
| LAMCO Wommelgem | €87,171 | €10,801 | 78.8% | - |
| J. Gestels & Zn Wommelgem | €261,918 | €23,710 | 58.4% | - |
| C.DECKERS Oudenaarde | €254,968 | €10,270 | 86.4% | 0 |
These companies have the same main activity as FLEURS CHANTAL: wholesale trade (NACE 46220). They are comparable in size and age: total assets between €86,500 and €262,000, founded between 1993 and 2009.
Official details
Source: KBO- Status
- Active since 22-11-1995Normal situation
- Activity
- Wholesale tradeNACE 46220and 2 others
- Establishment unit
- 2.074.681.7287700 Mouscron, since 15-01-1996
- Financial year end
- 31 December
- Peppol
- Reachable since 10-12-2025
Insights on FLEURS CHANTAL
FLEURS CHANTAL files the micro format. That format states no turnover. The gross margin fell from €43,079 in 2006 to €5,763 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FLEURS CHANTAL
- What is the company number of FLEURS CHANTAL?
- The company number of FLEURS CHANTAL is 0456.498.826. The VAT number is the same number with BE in front: BE 0456.498.826.
- Where is FLEURS CHANTAL based?
- The registered office is at Menenstraat 214, 7700 Mouscron.Company details
- What does FLEURS CHANTAL do?
- According to the KBO register, the main activity is wholesale trade (NACE 46220).
- What is the legal form of FLEURS CHANTAL?
- FLEURS CHANTAL is a private limited company (pre-2019) (BVBA).
- When was FLEURS CHANTAL founded?
- FLEURS CHANTAL was founded on 22-11-1995.
- Is FLEURS CHANTAL still active?
- Yes, FLEURS CHANTAL is an active enterprise in the KBO register.
- What is the turnover of FLEURS CHANTAL?
- The turnover in financial year 2025 is ≈ €73,000. This figure is estimated from the gross margin of €5,763 and 212 comparable companies (NACE 46). It probably lies between €35,000 and €190,000. It is a rough estimate. In financial year 2021 turnover was €26,833.Financials
- Is FLEURS CHANTAL profitable?
- In financial year 2025, FLEURS CHANTAL made a loss of €5,467.
- Where can I find the annual accounts of FLEURS CHANTAL?
- FLEURS CHANTAL filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FLEURS CHANTAL due?
- FLEURS CHANTAL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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