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FLOBEL

Active
Public limited companyfounded 197848 yrs activeVogelzanglaan 86, 1150 Sint-Pieters-Woluwe, BelgiumKBO/BCE: BE 0418.121.666
Summary

FLOBEL has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14,816 and a net result of -€2,855. Equity is growing by ~71.9% per year across the filed fiscal years. Its solvency ranks better than 16% of 5063 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
FLOBELActiveChecked score 87/100
Risk analysis ReportCompare

Overview

What they do
Real estate agency activities
NACE 68310NACE 68311
#5 oldest company in Sint-Pieters-Woluwe, Real estate sector1 site
How big
€629,637total assets 2025
Equity
€14,816
Loss
-€2,855
Financially healthy?
87 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Who decides
Accounts 47 d early0 of 3 deeds read
Why 87- Liquidity: current ratio 2.07, cash €2,816- Equity €14,816 (2.4% of total assets)+ Size: total assets €629,637+ Figures for FY 2025 (filed 15-12-2025)Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Better than 24% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 27-1
equity 2.4% of total assets
Liquidity 29-5
short-term debt 43.7% · cash 0.4%
Profitability 31-12
return on assets -0.5%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,331 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.3%▲ +10.1% vs 11-2024highest value 01-2025: 0.2%▼ -40.1% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%● 0.0% vs 02-2025 04-2025: 0.2%● 0.0% vs 03-2025 05-2025: 0.2%● 0.0% vs 04-2025 06-2025: 0.2%● 0.0% vs 05-2025 07-2025: 0.2%● 0.0% vs 06-2025 08-2025: 0.2%▲ +1.8% vs 07-2025 09-2025: 0.2%▲ +3.6% vs 08-2025 10-2025: 0.2%● 0.0% vs 09-2025 11-2025: 0.2%▲ +15.1% vs 10-2025 12-2025: 0.2%▲ +2.5% vs 11-2025 01-2026: 0.2%▼ -23.2% vs 12-2025 02-2026: 0.2%● 0.0% vs 01-2026 03-2026: 0.2%● 0.0% vs 02-2026 04-2026: 0.2%● 0.0% vs 03-2026 05-2026: 0.2%● 0.0% vs 04-2026 06-2026: 0.2%● 0.0% vs 05-2026 07-2026: 0.2%● 0.0% vs 06-2026 08-2026: 0.2%▼ -1.3% vs 07-2026lowest value 09-2026: 0.2%▲ +3.2% vs 08-2026 10-2026: 0.2%▲ +0.6% vs 09-2026
  • Size: total assets €629,637 lowers the probability for this profile
  • Liquidity: current ratio 2.07, cash €2,816 raises the probability
  • Equity €14,816 (2.4% of total assets) raises the probability
  • Figures for FY 2025 (filed 15-12-2025) lowers the probability
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 2.07 against 2.66 in 2024; short-term debt: 43.7% and cash: 0.4% of total assets), but 97.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 22%, liquidity 23%, profitability 26%, growth against the median 23%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €629,637
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 2.07, cash €2,816
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Equity €14,816 (2.4% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 15-12-2025)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 5063 sector peers (2025).
NBB · sector comparison
Position among 5063 sector peers
Solvency
better than 16%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
47 d early
2024
36 d early
2023
48 d early
2022
33 d early
2021
45 d early
2020
40 d early
2019
65 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 45 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 17 December (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close02-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Weakest financial yearnet -€2,855
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Caution: Among the weakest 15% on equitysector median €926,824 · 5,063 companies €14,816 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Active since 1978founded 01-02-1978 48 years View

By topic

Financials

Fiscal year
2025
Total assets
€629,637
Loss
-€2,855
Solvency
2.4%
Total assets▲ 6.7%
Net result
20192025
Go to Financials

Timeline

Events
12
Since
2016
Next accounts
by 31-01-2027
  1. 15-12-2025Annual accounts filed
  2. 30-06-2025Weakest financial year
  3. 26-12-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Real estate agency activitiesNACE 68310
Founded
01-02-1978
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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