FLO-W
ActiveFLO-W has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-38k) and a net result of €29k. Equity is growing by ~29.1% per year across the filed fiscal years. Its solvency ranks better than 14% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+95
Solvency0=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.16 against 0.89 in 2024; short-term debt: 80.6% and cash: 2.7% of total assets), and equity is negative.
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 47
Relative position
BE, all sectors
reference
Sector 47
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
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
-40.2%
Return on assets
30.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 18237 sector peers (2025).
NBB · sector comparisonPosition among 18237 sector peers
Solvency
better than 14%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
4 d early
2021
11 d early
2020
8 d early
2019
9 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-38k▲ 43.5%
2024 · €-68k
2018: €-136k
2019: €-104k
2020: €-69k
2021: €-47k
2022: €-46k
2023: €15k
2024: €-68k
2018 → 2025
Total assets
€95k▲ 81.1%
2024 · €53k
2018: €24k
2019: €101k
2020: €124k
2021: €76k
2022: €70k
2023: €136k
2024: €53k
2018 → 2025
Net result
€29k
2024 · €-83k
2018: €4k
2019: €32k
2020: €35k
2021: €22k
2022: €828
2023: €61k
2024: €-83k
2018 → 2025
Working capital
€12k
2024 · €-5k
2018: €-43k
2019: €-3k
2020: €23k
2021: €21k
2022: €28k
2023: €89k
2024: €-5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-47k-€-46k▲ 1.8%€15k€-68k€-38k▲ 43.5%
Operating result€29k-€6k▼ 78.1%€64k▲ 895%€-79k€32k
Net result€22k-€828▼ 96.2%€61k▲ 7,330%€-83k€29k
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 returns to profit in 2025: €32k after a loss of €79k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€6k▼ 33.4%
Current assets
€89k▲ 105%
Key figures and ratios
EBITDA
€35k▲
2024 · €-76k
Cash flow
€33k▲
2024 · €-80k
Solvency
-40.2%▲
2024 · -128.7%
Current ratio
1.16▲
2024 · 0.89
Quick ratio
0.98▲
2024 · 0.73
Debt / equity
-3.49▼
2024 · -1.78
ROA
30.9%▲
2024 · -158.2%
Interest coverage
5.36▲
2024 · -17.44
Debt
€133k▲
2024 · €120k
Debt ≤ 1 year
€77k▲
2024 · €49k
Debt > 1 year
€57k▼
2024 · €71k
Income taxes
€-4k▼
2024 · €148
Staff costs
€7k▼
2024 · €18k
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€53k€95k▲
Fixed assets21/28€9k€6k▼
Intangible fixed assets21€8k€5k▼
Tangible fixed assets22/27€531€1k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€531€38▼
Financial fixed assets28€1k-
Current assets29/58€43k€89k▲
Stocks and contracts in progress3€8k€14k▲
Stocks30/36€8k€14k▲
Amounts receivable within one year40/41€23k€56k▲
Trade receivables40€13k€56k▲
Other amounts receivable41€10k€407▼
Cash at bank and in hand54/58€693€3k▲
Deferred charges and accrued income490/1€12k€16k▲
Equity and liabilities
Total equity and liabilities10/49€53k€95k▲
Equity10/15€-68k€-38k▲
Contributions10/11€20k€20k=
Reserves13€200€200=
Tax-exempt reserves132€200€200=
Profit (loss) carried forward14€-88k€-58k▲
Amounts payable17/49€120k€133k▲
Amounts payable after more than one year17€71k€57k▼
Financial debts170/4€71k€57k▼
Amounts payable within one year42/48€49k€77k▲
Financial debts43€18k€24k▲
Other loans439€18k€24k▲
Trade debts44€14k€16k▲
Suppliers440/4€14k€16k▲
Taxes, remuneration and social security45€3k€15k▲
Taxes450/3€3k€11k▲
Remuneration and social security454/9€714€5k▲
Other amounts payable47/48€14k€22k▲
Income statement
Code20242025
Remuneration, social security and pensions62€18k€7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€862€3k▲
Gross operating margin9900€-57k€45k▲
Operating profit (loss)9901€-79k€32k▲
Financial income75/76B€749€578▼
Recurring financial income75€749€578▼
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€-83k€26k▲
Income taxes67/77€148€-4k▼
Profit (loss) for the period9904€-83k€29k▲
Profit (loss) for the period to be appropriated9905€-83k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-88k€-58k▲
Profit (loss) brought forward from the previous period14P€-5k€-88k▼
Social balance
Average headcount (FTE)90870.8-
The notes to these accounts (12 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-83k ▼235%
Net result drops to €-83k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €61k ▲7330%
Operating result €64k, net result €61k, both a record.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
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
6 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, Schilde · 1 establishment unit since 2011
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.
Anemonenlaan 72970 SchildeGround area
2,210 m²
Building footprint
219 m²
Volume, LiDAR
1,506 m³
Parcel 11041C0318/00C002, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Flo-W
since 20112.196.515.708
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041C0318/00C002 | Flanders | 2,210 m² | 1 · 219 m² | 10.0 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 629 EUR awarded · 629 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 629 EUR | 629 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 827 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2011
Fiscal year end31-12
Activities, NACEBEL
47551Retail sale of household furniture
47591Retail trade
31003Manufacture of furniture
31004Manufacture of dining room, living room, bedroom and bathroom furniture
46412Wholesale of household textiles and bedding
47512Retail sale of household textiles and bedding
74104Other professional, scientific and technical activities
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.