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FLO

Active
KBO/BCE: BE 1007.672.721
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Age2 yrs
Real estate1 parcel · 4.0 ha

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of FLO is 1.5% (moderate). The 2024 annual accounts show equity of €23k and a net result of €23k. Its solvency ranks better than 81% of 2547 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 81% of 2547 peers (2024). A comfortable equity buffer.
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 24-06-2025 37 d early 2025-00171592

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.5% Moderate
0%0,5%1,5%4%10%≥25%
Young company +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (micro schema)
EBIT marginNot published (micro schema)
Net result€23k
Working capital€23k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 24-06-2025 with the NBB · fiscal year 2024 · micro schema
Sector comparison
Fiscal year 2024 · NACE 73, Advertising & market research · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 80.0% 56.2%
better than 81% of 2547 sector peers
Net result €23k €19k
better than 54% of 2549 sector peers
Equity €23k €43k
better than 34% of 2547 sector peers
Gross operating margin €29k €37k
better than 44% of 2546 sector peers
Total assets €28k €93k
better than 15% of 2549 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro schema
Revenue-
EBITDA-
Net profit€23k
Cash flow-
Staff costs-
Income taxes€6k
Dividends-
Total assets€28k
Equity€23k
Debt€6k
of which ≤ 1y€6k
of which > 1y-
Working capital€23k
Employees (FTE)-
Ratios (computed)
2024
Current ratio5.00
Quick ratio5.00
Working capital ratio80.0%
Solvency80.0%
Debt / equity0.25
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA80.0%
ROE100.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (17 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€28k
Current assets 29/58€28k
Amounts receivable within one year 40/41€2k
Investments 50/53€14k
Cash & bank 54/58€13k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€28k
Equity 10/15€23k
Reserves 13€23k
Amounts payable 17/49€6k
Amounts payable within one year 42/48€6k
Income statement
Gross operating margin 9900€29k
Operating result 9901€28k
Financial charges 65€33
Result before taxes 9903€28k
Income taxes 67/77€6k
Net result for the period 9904€23k
Result to be appropriated 9905€23k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
85 / 100 Excellent
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Overes 223990 Peer

Establishment units

1 location
FLO
Overes 22, 3990 PeerDetailhandel in allerlei producten via het internet (e-commerce)
since 20242.357.529.075
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area4.0 ha
Buildings1
Building footprint321 m²
Volume (LiDAR)1,850 m³
Tallest building13.8 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
72030D0745/00H000 Flanders 4.0 ha 1 · 321 m² 13.8 m · 2 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

4 of 5 axes measured
Health85Profitability100Solvency100Growth-Stability67
88 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 85
Profitability 100
Solvency 100
Growth -
Stability 67

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 2,264 of the 13,473 companies in this sector. 1,868 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Adviesbureaus op het gebied van public relations en communicatie70210Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300Overige dienstverlenende activiteiten op het gebied van informatie63920Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.63990
Primary activity highlighted.
Names & trade names
Legal nameNL FLO
Registered office
Overes 22
3990 Peer, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.