FLEURS MATHY
ActiveSummary
FLEURS MATHY has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30,849 and a net result of -€4,535. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 73% of 18716 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability58▲+45
Solvency86▲+4
Growth60=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 2.31 against 2.05 in 2024; short-term debt: 39.1% and cash: 42.2% of total assets), and 39.1% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
60.9%
Return on assets
-9%
Age of the figures
9 mo
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 -€4,535
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
20 d early
2023
8 d early
2022
8 d late
2021
26 d early
2020
26 d early
2019
10 d late
← 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 11 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 16 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€222,693▼ 2.3%
2018 · €227,987
EBIT margin
-1.9%▲ 0.9pp
2018 · -2.8%
Net result
-€4,535▼ 52.6%
2024 · -€2,972
Working capital
€25,987▼ 8.7%
2024 · €28,449
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result-€3,450€2,989€21,216▲ 610%-€2,519€341
Net result-€3,612below the sector's middle half€2,832within the sector's middle half€16,133within the sector's middle half▲ 470%-€2,972within the sector's middle half-€4,535below the sector's middle half▼ 52.6%
EBIT margin
Equity€19,391within the sector's middle half▼ 15.7%€22,222within the sector's middle half▲ 14.6%€38,355within the sector's middle half▲ 72.6%€35,384within the sector's middle half▼ 7.7%€30,849within the sector's middle half▼ 12.8%
Total assets€41,994below the sector's middle half▼ 3.6%€43,614below the sector's middle half▲ 3.9%€66,907within the sector's middle half▲ 53.4%€62,383within the sector's middle half▼ 6.8%€50,620below the sector's middle half▼ 18.9%
Debt€22,603▲ 10.0%€21,392▼ 5.4%€28,552▲ 33.5%€26,999▼ 5.4%€19,771▼ 26.8%
Working capital€15,738within the sector's middle half▼ 11.4%€19,181within the sector's middle half▲ 21.9%€31,048within the sector's middle half▲ 61.9%€28,449within the sector's middle half▼ 8.4%€25,987within the sector's middle half▼ 8.7%
Solvency46.2%within the sector's middle half▼ 6.6pp51.0%within the sector's middle half▲ 4.8pp57.3%within the sector's middle half▲ 6.4pp56.7%within the sector's middle half▼ 0.6pp60.9%within the sector's middle half▲ 4.2pp
Current ratio1.70within the sector's middle half▼ 0.331.90within the sector's middle half▲ 0.202.16within the sector's middle half▲ 0.262.05within the sector's middle half▼ 0.102.31within the sector's middle half▲ 0.26
Return on assets (ROA)-8.6%below the sector's middle half▼ 23.6pp6.5%within the sector's middle half▲ 15.1pp24.1%above the sector's middle half▲ 17.6pp-4.8%below the sector's middle half▼ 28.9pp-9.0%below the sector's middle half▼ 4.2pp
Staff (FTE)0.81.1▲ 37.5%1.2▲ 9.1%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €341 after a loss of €2,519 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50,620
Fixed assets
€4,862 ▼ 29.9%
Current assets
€45,758 ▼ 17.5%
Equity and liabilities €50,620
Equity
€30,849 ▼ 12.8%
Debt
€19,771 ▼ 26.8%
Debt's share of the balance-sheet total falls from 43.3% to 39.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€2,414▲
2024 · -€446
Cash flow
-€2,462▼
2024 · -€899
Quick ratio
1.93▲
2024 · 1.76
Debt to equity
0.64▼
2024 · 0.76
ROE
-14.7%▼
2024 · -8.4%
Interest coverage
7.00▲
2024 · -0.77
Debt ≤ 1 year
€19,771▼
2024 · €26,999
Staff costs
€20,841▲
2024 · €14,902
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.7%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €422 | €1,823 | - | - |
| Remuneration, social security and pensions62 | - | €1,163 | €7,265 | €14,902 | €20,841 | ▲ 39.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,773 | €611 | €1,808 | €2,073 | €2,073 | = |
| Other operating charges640/8 | €805 | €1,054 | €940 | €1,506 | €847 | ▼ 43.7% |
| Non-recurring operating charges66A | - | - | €566 | - | - | - |
| Gross operating margin9900 | €2,128 | €5,817 | €31,795 | €15,962 | €24,102 | ▲ 51.0% |
| Operating profit (loss)9901 | -€3,450 | €2,989 | €21,216 | -€2,519 | €341 | ▲ 114% |
| Financial income75/76B | €218 | €3 | €14 | €123 | €19 | ▼ 84.6% |
| Recurring financial income75 | €218 | €3 | €14 | €123 | €19 | ▼ 84.6% |
| Financial charges65/66B | €380 | €161 | €407 | €576 | €4,894 | ▲ 750% |
| Recurring financial charges65 | €380 | €161 | €407 | €576 | €345 | ▼ 40.1% |
| Non-recurring financial charges66B | - | - | - | - | €4,549 | - |
| Profit (loss) for the period before taxes9903 | -€3,612 | €2,832 | €20,822 | -€2,972 | -€4,535 | ▼ 52.6% |
| Income taxes67/77 | - | - | €4,690 | - | - | - |
| Profit (loss) for the period9904 | -€3,612 | €2,832 | €16,133 | -€2,972 | -€4,535 | ▼ 52.6% |
| Profit (loss) for the period to be appropriated9905 | -€3,612 | €2,832 | €16,133 | -€2,972 | -€4,535 | ▼ 52.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €41,994 | €43,614 | €66,907 | €62,383 | €50,620 | ▼ 18.9% |
| Fixed assets21/28 | €3,652 | €3,042 | €9,007 | €6,934 | €4,862 | ▼ 29.9% |
| Tangible fixed assets22/27 | €3,294 | €2,683 | €8,648 | €6,576 | €4,503 | ▼ 31.5% |
| Other tangible fixed assets26 | €3,294 | €2,683 | €8,648 | €6,576 | €4,503 | ▼ 31.5% |
| Financial fixed assets28 | €359 | €359 | €359 | €359 | €359 | = |
| Current assets29/58 | €38,341 | €40,572 | €57,900 | €55,449 | €45,758 | ▼ 17.5% |
| Stocks and contracts in progress3 | €5,452 | €4,554 | €6,862 | €7,822 | €7,511 | ▼ 4.0% |
| Stocks30/36 | €5,452 | €4,554 | €6,862 | €7,822 | €7,511 | ▼ 4.0% |
| Amounts receivable within one year40/41 | €14,457 | €21,027 | €17,676 | €15,160 | €13,934 | ▼ 8.1% |
| Trade receivables40 | €13,471 | €19,656 | €16,055 | €13,862 | €12,527 | ▼ 9.6% |
| Other amounts receivable41 | €986 | €1,371 | €1,621 | €1,298 | €1,407 | ▲ 8.4% |
| Cash at bank and in hand54/58 | €17,902 | €14,571 | €26,212 | €28,544 | €21,365 | ▼ 25.2% |
| Deferred charges and accrued income490/1 | €531 | €420 | €7,150 | €3,923 | €2,948 | ▼ 24.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €41,994 | €43,614 | €66,907 | €62,383 | €50,620 | ▼ 18.9% |
| Equity10/15 | €19,391 | €22,222 | €38,355 | €35,384 | €30,849 | ▼ 12.8% |
| Contributions10/11 | €10,200 | €10,200 | €10,200 | €10,200 | €10,200 | = |
| Reserves13 | €12,803 | €12,803 | €27,803 | €25,437 | €25,437 | = |
| Non-distributable reserves130/1 | €2,366 | €2,366 | - | - | - | - |
| Reserves not available under the articles1311 | €2,366 | €2,366 | - | - | - | - |
| Distributable reserves133 | €10,437 | €10,437 | €27,803 | €25,437 | €25,437 | = |
| Profit (loss) carried forward14 | -€3,612 | -€780 | €353 | -€253 | -€4,788 | ▼ 1,789% |
| Amounts payable17/49 | €22,603 | €21,392 | €28,552 | €26,999 | €19,771 | ▼ 26.8% |
| Amounts payable within one year42/48 | €22,603 | €21,392 | €26,852 | €26,999 | €19,771 | ▼ 26.8% |
| Current portion of amounts payable after more than one year42 | €679 | - | - | - | - | - |
| Financial debts43 | €1,173 | €1,114 | €989 | - | - | - |
| Credit institutions430/8 | €1,173 | €1,114 | €989 | - | - | - |
| Trade debts44 | €10,331 | €4,373 | €5,547 | €7,423 | €7,279 | ▼ 1.9% |
| Suppliers440/4 | €10,331 | €4,373 | €5,547 | €7,423 | €7,279 | ▼ 1.9% |
| Advances received on contracts in progress46 | - | €218 | - | - | - | - |
| Taxes, remuneration and social security45 | €6,878 | €6,811 | €12,357 | €16,988 | €10,866 | ▼ 36.0% |
| Taxes450/3 | €3,228 | €2,470 | €7,279 | €8,853 | €1,428 | ▼ 83.9% |
| Remuneration and social security454/9 | €3,650 | €4,342 | €5,078 | €8,135 | €9,439 | ▲ 16.0% |
| Other amounts payable47/48 | €3,542 | €8,875 | €7,958 | €2,588 | €1,625 | ▼ 37.2% |
| Accrued charges and deferred income492/3 | - | - | €1,700 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,612 | €2,832 | €16,133 | -€2,972 | -€4,535 | ▼ 52.6% |
| + Depreciation and write-downs630 | €4,773 | €611 | €1,808 | €2,073 | €2,073 | = |
| Operating cash flow (approximation) | €1,161 | €3,442 | €17,941 | -€899 | -€2,462 | ▼ 174% |
| Investment in fixed assets (approximation) | - | €0 | -€7,774 | €0 | €0 | - |
| Change in cash | - | -€3,331 | €11,641 | €2,332 | -€7,179 | ▼ 408% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €16,133 ▲470%
Operating result €21,216, net result €16,133, both a record.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Back to profitnet €2,832
Net result €2,832 after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €6,525
Net result €6,525 after 2 loss-making years.
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Wavre · 1 establishment unit since 2003
Ground area
1,571 m²
Building footprint
556 m²
Volume, LiDAR
8,124 m³
Parcel 25112M0217/00K000, Wallonia · tallest building 17.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
FLEUR MATHY
since 20032.132.154.921
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112M0217/00K000indicative | Wallonia | 1,571 m² | 1 · 556 m² | 17.6 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,388 companies in sector 47761 we hold annual accounts for 1,156. 691 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-03-2003
Fiscal year end31-12
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0479897602
Registered
26-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.