FLO - MAT - BOIS
ActiveFLO - MAT - BOIS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.90M and a net result of €1.30M. Equity is growing by ~26.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+40
Solvency68▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 0.84 in 2024; short-term debt: 51.1% and cash: 15.5% of total assets), but 56.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
43.2%
Return on assets
19.4%
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
56 d early
2023
54 d early
2022
28 d early
2021
53 d early
2020
45 d early
2019
29 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.90M▲ 81.4%
2024 · €1.60M
2018: €418k
2019: €539k
2020: €659k
2021: €836k
2022: €1.05M
2023: €1.34M
2024: €1.60M
2018 → 2025
Total assets
€6.73M▲ 28.2%
2024 · €5.25M
2018: €3.91M
2019: €4.05M
2020: €4.27M
2021: €4.41M
2022: €4.71M
2023: €4.95M
2024: €5.25M
2018 → 2025
Net result
€1.30M▲ 395%
2024 · €263k
2018: €145k
2019: €122k
2020: €120k
2021: €177k
2022: €218k
2023: €283k
2024: €263k
2018 → 2025
Working capital
€1.95M
2024 · €-583k
2018: €-2.82M
2019: €-2.60M
2020: €-2.29M
2021: €-1.92M
2022: €-1.51M
2023: €-1.03M
2024: €-583k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€836k-€1.05M▲ 26.1%€1.34M▲ 26.9%€1.60M▲ 19.7%€2.90M▲ 81.4%
Operating result€286k-€350k▲ 22.2%€381k▲ 8.9%€410k▲ 7.6%€1.78M▲ 334%
Net result€177k-€218k▲ 23.2%€283k▲ 29.7%€263k▼ 7.0%€1.30M▲ 395%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 334% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.73M
Fixed assets
€1.34M▼ 40.1%
Current assets
€5.39M▲ 78.9%
Equity and liabilities €6.73M
Equity
€2.90M▲ 81.4%
Provisions
€345k
Debt
€3.48M▼ 4.6%
The debt ratio falls from 69.5% to 51.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.92M▲
2024 · €602k
Cash flow
€1.44M▲
2024 · €456k
Solvency
43.2%▲
2024 · 30.5%
Current ratio
1.57▲
2024 · 0.84
Quick ratio
1.57▲
2024 · 0.84
Debt / equity
1.20▼
2024 · 2.28
ROE
44.9%▲
2024 · 16.4%
ROA
19.4%▲
2024 · 5.0%
Interest coverage
15.65▲
2024 · 3.34
Debt
€3.48M▼
2024 · €3.65M
Debt ≤ 1 year
€3.44M▼
2024 · €3.59M
Income taxes
€101k▲
2024 · €91k
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€5.25M€6.73M▲
Fixed assets21/28€2.24M€1.34M▼
Intangible fixed assets21€26k€2k▼
Tangible fixed assets22/27€2.21M€1.34M▼
Land and buildings22€2.21M€1.34M▼
Financial fixed assets28€250€250=
Current assets29/58€3.01M€5.39M▲
Amounts receivable within one year40/41€2.82M€4.34M▲
Trade receivables40€137k€54k▼
Other amounts receivable41€2.69M€4.29M▲
Cash at bank and in hand54/58€186k€1.04M▲
Deferred charges and accrued income490/1€961€967▲
Equity and liabilities
Total equity and liabilities10/49€5.25M€6.73M▲
Equity10/15€1.60M€2.90M▲
Contributions10/11€240k€240k=
Capital10€240k€240k=
Issued capital100€240k€240k=
Reserves13€24k€1.06M▲
Non-distributable reserves130/1€24k€24k=
Legal reserve130€24k€24k=
Tax-exempt reserves132-€1.03M
Profit (loss) carried forward14€1.34M€1.61M▲
Provisions and deferred taxes16-€345k
Deferred taxes168-€345k
Amounts payable17/49€3.65M€3.48M▼
Amounts payable within one year42/48€3.59M€3.44M▼
Financial debts43€3.45M€3.24M▼
Credit institutions430/8€3.45M€3.24M▼
Trade debts44€52k€97k▲
Suppliers440/4€52k€97k▲
Taxes, remuneration and social security45€94k€98k▲
Taxes450/3€94k€98k▲
Accrued charges and deferred income492/3€52k€39k▼
Income statement
Code20242025
Non-recurring operating income76A-€1.44M
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€192k€141k▼
Other operating charges640/8€59k€61k▲
Gross operating margin9900€662k€1.98M▲
Operating profit (loss)9901€410k€1.78M▲
Financial income75/76B€124k€91k▼
Recurring financial income75€124k€91k▼
Financial charges65/66B€181k€123k▼
Recurring financial charges65€181k€123k▼
Profit (loss) for the period before taxes9903€354k€1.75M▲
Transfer to deferred taxes680-€345k
Income taxes67/77€91k€101k▲
Profit (loss) for the period9904€263k€1.30M▲
Transfer to tax-exempt reserves689-€1.03M
Profit (loss) for the period to be appropriated9905€263k€269k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.34M€1.61M▲
Profit (loss) brought forward from the previous period14P€1.07M€1.34M▲
The notes to these accounts (11 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €1.30M ▲395%
Operating result €1.78M, net result €1.30M, both a record.
31-12
Financial
Equity above €2MEq €2.90M ▲81.4%
8 profitable years in a row build equity to €2.90M.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €1MEq €1.05M ▲26.1%
5 profitable years in a row build equity to €1.05M.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €120k ▼1.7%
Net result drops to €120k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €500kEq €539k ▲29.1%
2 profitable years in a row build equity to €539k.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Merchtem · 1 establishment unit since 1991
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.
Kleistraat 681785 MerchtemGround area
476 m²
Parcel 23012C0265/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
FLO-MAT-BOIS
since 19912.055.124.251
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23012C0265/00A000 | Flanders | 476 m² | - | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
54930042KR667XH7XQ13
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IMMOBILIERE DESOMER
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CHALLENGE OFFICE PARK
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DELFINE
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Of 12,018 companies in sector 68203 we hold annual accounts for 5,984. 3,263 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-09-1991
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.