FLO CATERING
ActiveThe computed 12-month bankruptcy probability of FLO CATERING is 2.1% (moderate). The 2025 annual accounts show equity of €70k and a net result of €29k. Equity is shrinking by ~16.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 68% of 13240 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+95
Solvency76▼-24
Growth58=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.75 against 3.58 in 2024; short-term debt: 24.3% and cash: 66.3% of total assets), and 48.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
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
51.2%
Return on assets
20.9%
Age of the figures
9 mo
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
6 d early
2023
36 d early
2022
17 d early
2021
25 d early
2020
23 d early
2019
60 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▲ 69.3%
2024 · €42k
2018: €120k
2019: €129k
2020: €111k
2021: €82k
2022: €71k
2023: €64k
2024: €42k
2018 → 2025
Total assets
€138k▲ 150%
2024 · €55k
2018: €154k
2019: €171k
2020: €176k
2021: €127k
2022: €102k
2023: €103k
2024: €55k
2018 → 2025
Net result
€29k
2024 · €-23k
2018: €-46k
2019: €9k
2020: €-18k
2021: €-29k
2022: €9k
2023: €-6k
2024: €-23k
2018 → 2025
Working capital
€58k▲ 67.9%
2024 · €35k
2018: €109k
2019: €126k
2020: €89k
2021: €57k
2022: €47k
2023: €47k
2024: €35k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€71k▼ 13.8%€64k▼ 9.2%€42k▼ 35.3%€70k▲ 69.3%
Operating result€-27k-€10k€-6k€-22k▼ 268%€40k
Net result€-29k-€9k€-6k€-23k▼ 250%€29k
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: €40k after a loss of €22k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €138k
Fixed assets
€46k▲ 579%
Current assets
€92k▲ 90.1%
Equity and liabilities €138k
Equity
€70k▲ 69.3%
Debt
€67k▲ 398%
The debt ratio rises from 24.5% to 48.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▲
2024 · €-7k
Cash flow
€34k▲
2024 · €-8k
Solvency
51.2%▼
2024 · 75.5%
Current ratio
2.75▼
2024 · 3.58
Quick ratio
2.75▼
2024 · 3.58
Debt / equity
0.95▲
2024 · 0.32
ROE
40.9%▲
2024 · -54.6%
ROA
20.9%▲
2024 · -41.2%
Interest coverage
52.76▲
2024 · -13.71
Debt
€67k▲
2024 · €13k
Debt ≤ 1 year
€33k▲
2024 · €13k
Debt > 1 year
€34k
Income taxes
€11k
Staff costs
€29k▲
2024 · €19k
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€55k€138k▲
Fixed assets21/28€7k€46k▲
Tangible fixed assets22/27€7k€46k▲
Plant, machinery and equipment23€278€185▼
Furniture and vehicles24€6k€45k▲
Current assets29/58€48k€92k▲
Amounts receivable within one year40/41€37k€700▼
Trade receivables40€33k€700▼
Other amounts receivable41€3k-
Cash at bank and in hand54/58€12k€91k▲
Equity and liabilities
Total equity and liabilities10/49€55k€138k▲
Equity10/15€42k€70k▲
Profit (loss) carried forward14€42k€70k▲
Amounts payable17/49€13k€67k▲
Amounts payable after more than one year17-€34k
Financial debts170/4-€34k
Amounts payable within one year42/48€13k€33k▲
Current portion of amounts payable after more than one year42€1k€8k▲
Trade debts44€9k€9k▲
Suppliers440/4€9k€9k▲
Taxes, remuneration and social security45€354€15k▲
Taxes450/3€354€10k▲
Remuneration and social security454/9-€5k
Other amounts payable47/48€3k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€19k€29k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€6k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8€2k€8k▲
Gross operating margin9900€14k€86k▲
Operating profit (loss)9901€-22k€40k▲
Financial income75/76B€269€57▼
Recurring financial income75€269€57▼
Financial charges65/66B€536€873▲
Recurring financial charges65€536€873▲
Profit (loss) for the period before taxes9903€-23k€40k▲
Income taxes67/77-€11k
Profit (loss) for the period9904€-23k€29k▲
Profit (loss) for the period to be appropriated9905€-23k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€42k€70k▲
Profit (loss) brought forward from the previous period14P€64k€42k▼
The notes to these accounts (7 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €29k
Net result €29k after 2 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 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, Ukkel · 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.
Sint-Jobsplein 141180 UkkelGround area
708 m²
Building footprint
334 m²
Volume, LiDAR
3,295 m³
2 parcels, Brussels, Flanders · tallest building 21.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
FLO CATERING
since 20062.154.532.227
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22003B0094/00W002 | Flanders | 360 m² | 1 · 156 m² | 10.3 m · 2 fl. |
| 21612D0324/00X000 | Brussels | 348 m² | 1 · 178 m² | 21.8 m · 5 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLinkebeek2.154.532.227
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AGADIR
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Of 20,494 companies in sector 56111 we hold annual accounts for 11,455. 9,831 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2006
Fiscal year end31-12
Activities, NACEBEL
55301
56210Event catering
56101Full-service restaurants
56111Full-service restaurants
56220Contract catering and other food service activities
56290Food and beverage service activities
55522
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.