Active BE 0735.698.478Private limited companyOpen bankruptcy

Flo-ow

Rijveld 9 ·2580 Putte, Belgium· 6 yrs active

Sector: Head offices & management consulting (70200)

Conclusion Checked

A bankruptcy procedure is open for Flo-ow according to publications in the Belgian State Gazette. The 2022 annual accounts show negative equity (€-33k) and a net result of €13k.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€-33k
Net result	€13k
Better than sector	5%
Active	6 yrs

Snowflake analysis 5 axes · computed by Checked

22 / 100

Fragile profile — watch health in particular.

Health 0

Profitability 0

Solvency 51

Growth 58

Stability 0

Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open — a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based

50 / 100

High risk

Components

· Open bankruptcy (+50)

Trust signals 1 signals

Open bankruptcy

Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.

Administrative Flags 0 events

No administrative flags

Health barometer FY 2022 · computed

0 / 100 Critical

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative — not credit advice.

Financial overview4 NBB filings

Annual accounts filed on 26-10-2023 with the NBB · fiscal year 2022 · micro

Operating resultNet result

Sector comparison

Fiscal year 2022 · NACE 70 — Head offices & management consulting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-70.8%	53.7%	better than 5% of 829 sector peers
Net result	€13k	€23k	better than 36% of 825 sector peers
Equity	€-33k	€28k	better than 5% of 830 sector peers
Gross operating margin	€24k	€36k	better than 38% of 821 sector peers
Total assets	€46k	€65k	better than 37% of 829 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€23k

— 19–22

Net profit

€13k

— 19–22

Cash flow

€20k

— 19–22

Total assets

€46k

-17.9% 19–22

Equity

€-33k

+28.6% 19–22

Working capital

€8k

— 19–22

Income taxes

€165

+17.2% 19–22

Debt

€79k

-22.7% 19–22

Debt ≤ 1y

€25k

-48.5% 19–22

Debt > 1y

€54k

+1.3% 19–22

Current ratio

1.30

+75.4% 19–22

Quick ratio

1.30

+75.4% 19–22

Solvency

-70.8%

+13.0% 19–22

Debt / equity

-2.41

-8.3% 19–22

ROE

-40.0%

— 19–22

ROA

28.3%

— 19–22

Interest coverage

7.29

— 19–22

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2022
Revenue	—
EBITDA	€23k
Net profit	€13k
Cash flow	€20k
Staff costs	—
Income taxes	€165
Dividends	—
Total assets	€46k
Equity	€-33k
Debt	€79k
of which ≤ 1y	€25k
of which > 1y	€54k
Working capital	€8k
Employees (FTE)	—

Ratios (computed)

	2022
Current ratio	1.30
Quick ratio	1.30
Working capital ratio	16.2%
Solvency	-70.8%
Debt / equity	-2.41
Long-term debt ratio	-1.64
Interest coverage	7.29
Gross margin	—
Net margin	—
ROA	28.3%
ROE	-40.0%
EBITDA margin	—
Days sales outstanding	—
Days payable outstanding	—
Inventory turnover	—
Days inventory (DSI)	—

Balance-sheet composition 2022

Assets

Fixed assets €13k · 29.1% Current assets €33k · 70.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2022
Balance sheet — Assets
TOTAL ASSETS	20/58	€46k
Fixed assets	21/28	€13k
Tangible fixed assets	22/27	€13k
Current assets	29/58	€33k
Amounts receivable within one year	40/41	€33k
Cash & bank	54/58	€17
Balance sheet — Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€46k
Equity	10/15	€-33k
Contributions / capital	10/11	€13k
Accumulated profits (losses)	14	€-45k
Amounts payable	17/49	€79k
Amounts payable after one year	17	€54k
Amounts payable within one year	42/48	€25k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€24k
Operating result	9901	€16k
Financial income	75	€19
Financial charges	65	€3k
Result before taxes	9903	€13k
Income taxes	67/77	€165
Net result for the period	9904	€13k
Result to be appropriated	9905	€13k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates1 person

Role	Name	Tenure	Source
Curator	NANCY VANNUETEN LIERBAAN 209, 2580 PUTTE- ↔ Also on 27 other cases	02-06-2025 → present	Belgian State Gazette

Legal Structure

NACE primary	Head offices & management consulting(70200)
Legal form	Private limited company(610)
Incorporation	04-10-2019
Status	Active
Postal code	2580
First BS signal	06-06-2025
Latest BS signal	06-06-2025

Company structure — linked entities1 linked entities

Mandates

↔ 1 of these mandate-holders are active on other cases — click any red card to open that KBO.

Establishment units 1 location

Flo-ow

Rijveld 9, 2580 PutteHandelsbemiddeling in de niet-gespecialiseerde groothandel

since 20192.295.106.310

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

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.
12001C0164/00D000	Flanders	960 m²	1 · 143 m²	9.1 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data — this is not proof of ownership.

Updates 5 events

A single timeline of everything that happened to this company — publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

06-06-2025

Bankruptcy Opening

Ondernemingsrechtbank Antwerpen, afdeling Mechelen · FLO-OW BV RIJVELD 9, 2580 BEERZEL · event 02-06-2025

2023

26-10-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

13-04-2023

NBB filing Annual accounts filed

fiscal year 2021 · micro

25-01-2023

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

21-08-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

Lifecycle & Insolvency Signals 1 events

06-06-2025

Bankruptcy Opening

Date: 02-06-2025 · Ondernemingsrechtbank Antwerpen, afdeling Mechelen · FLO-OW BV RIJVELD 9, 2580 BEERZEL · Publications in State Gazette ↗

Time machine — BS events + macro context 2021 — 2026

Macro context

2020-Q2/Q3 COVID lockdown

2022 energy crisis

2023–2024 ECB rate hikes

Legend

Bankruptcy

Interim / reorg

KBO event

Credit advice verdict per customer and amount

AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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AI-generated from Checked data; indicative, not legal or investment advice.

Company registry (CBE) Crossroads Bank

Activities

Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220

Primary activity highlighted.

Names & trade names

Legal nameNL

Flo-ow

Registered office

Rijveld 9

2580 Putte, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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