FLOCHA
ActiveSummary
FLOCHA has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-12k) and a net result of €2k. Equity is shrinking by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 15% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability38▼-19
Solvency9▲+4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.83 against 0.83 in 2024; short-term debt: 116.4% and cash: 46.8% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-16.4%
Return on assets
3.1%
Age of the figures
18 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 11389 sector peers (2025).
NBB · sector comparisonPosition among 11389 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 22-10-2025, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
16 d early
2023
5 d early
2022
4 d early
2021
2 d early
2020
47 d late
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€-12k▲ 16.0%
2024 · €-14k
Total assets
€73k▲ 4.3%
2024 · €70k
Net result
€2k▼ 59.6%
2024 · €6k
Working capital
€-15k▼ 1.5%
2024 · €-14k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€4k€-6k€-1k▲ 73.4%€8k€5k▼ 43.1%
Net result€1k€-8k€-4k▲ 53.9%€6k€2k▼ 59.6%
Equity€-8k▲ 14.4%€-16k▼ 101%€-20k▼ 23.2%€-14k▲ 28.4%€-12k▲ 16.0%
Total assets€72k▲ 0.8%€60k▼ 17.0%€61k▲ 2.7%€70k▲ 13.4%€73k▲ 4.3%
Debt€80k▼ 0.9%€76k▼ 5.3%€81k▲ 7.0%€84k▲ 3.2%€84k▲ 0.9%
Working capital€-10k▲ 28.2%€-19k▼ 95.9%€-20k▼ 9.4%€-14k▲ 29.5%€-15k▼ 1.5%
Staff (FTE)1.8▲ 80.0%1.2▼ 33.3%1.9▲ 58.3%1.7▼ 10.5%1.2▼ 29.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€3k ▲ 843%
Current assets
€70k ▲ 0.7%
Key figures and ratios
EBITDA
€5k▼
2024 · €9k
Cash flow
€3k▼
2024 · €6k
Solvency
-16.4%▲
2024 · -20.3%
Current ratio
0.83▼
2024 · 0.83
Quick ratio
0.40▲
2024 · 0.40
Debt to equity
-7.10▼
2024 · -5.92
ROA
3.1%▼
2024 · 8.1%
Interest coverage
1.82▼
2024 · 3.36
Debt ≤ 1 year
€84k▲
2024 · €84k
Staff costs
€49k▲
2024 · €45k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €35k | €45k | €45k | €49k | ▲ 10.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €2k | €2k | €427 | €242 | ▼ 43.3% |
| Other operating charges640/8 | - | €3k | €564 | €973 | €960 | ▼ 1.3% |
| Gross operating margin9900 | €38k | €35k | €46k | €54k | €55k | ▲ 1.4% |
| Operating profit (loss)9901 | €4k | €-6k | €-1k | €8k | €5k | ▼ 43.1% |
| Financial income75/76B | - | - | €0 | €0 | €300 | ▲ 599,900% |
| Recurring financial income75 | - | - | €0 | €0 | €300 | ▲ 599,900% |
| Financial charges65/66B | - | €3k | €2k | €3k | €3k | ▲ 4.9% |
| Recurring financial charges65 | €2k | €3k | €2k | €3k | €3k | ▲ 4.9% |
| Profit (loss) for the period before taxes9903 | €1k | €-8k | €-4k | €6k | €2k | ▼ 59.6% |
| Profit (loss) for the period9904 | €1k | €-8k | €-4k | €6k | €2k | ▼ 59.6% |
| Profit (loss) for the period to be appropriated9905 | €1k | €-8k | €-4k | €6k | €2k | ▼ 59.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €72k | €60k | €61k | €70k | €73k | ▲ 4.3% |
| Fixed assets21/28 | €2k | €3k | €721 | €294 | €3k | ▲ 843% |
| Tangible fixed assets22/27 | €1k | €2k | €427 | - | €2k | - |
| Plant, machinery and equipment23 | - | - | - | - | €757 | - |
| Leasing and similar rights25 | - | €2k | - | - | - | - |
| Other tangible fixed assets26 | - | €854 | €427 | - | €2k | - |
| Financial fixed assets28 | €294 | €294 | €294 | €294 | €294 | = |
| Current assets29/58 | €70k | €57k | €61k | €69k | €70k | ▲ 0.7% |
| Stocks and contracts in progress3 | €26k | €33k | €34k | €36k | €36k | ▲ 0.5% |
| Stocks30/36 | - | €33k | €34k | €36k | €36k | ▲ 0.5% |
| Amounts receivable within one year40/41 | €14k | €474 | €588 | - | - | - |
| Trade receivables40 | - | €474 | €588 | - | - | - |
| Cash at bank and in hand54/58 | €30k | €24k | €26k | €34k | €34k | ▲ 1.0% |
| Deferred charges and accrued income490/1 | - | €250 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €72k | €60k | €61k | €70k | €73k | ▲ 4.3% |
| Equity10/15 | €-8k | €-16k | €-20k | €-14k | €-12k | ▲ 16.0% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €-16k | €-24k | €-28k | €-22k | €-20k | ▲ 10.2% |
| Amounts payable17/49 | €80k | €76k | €81k | €84k | €84k | ▲ 0.9% |
| Amounts payable within one year42/48 | €80k | €76k | €81k | €84k | €84k | ▲ 0.9% |
| Trade debts44 | €39k | €37k | €37k | €38k | €37k | ▼ 4.6% |
| Suppliers440/4 | - | €37k | €37k | €38k | €37k | ▼ 4.6% |
| Taxes, remuneration and social security45 | - | €12k | €14k | €14k | €17k | ▲ 15.4% |
| Taxes450/3 | - | €4k | €4k | €5k | €5k | ▲ 8.5% |
| Remuneration and social security454/9 | - | €8k | €10k | €9k | €11k | ▲ 19.0% |
| Other amounts payable47/48 | - | €27k | €29k | €31k | €31k | ▲ 0.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1k | €-8k | €-4k | €6k | €2k | ▼ 59.6% |
| + Depreciation and write-downs630 | €4k | €2k | €2k | €427 | €242 | ▼ 43.3% |
| Operating cash flow (approximation) | €5k | €-6k | €-2k | €6k | €3k | ▼ 58.5% |
| Investment in fixed assets (approximation) | - | €-3k | €0 | €0 | €-3k | - |
| Change in cash | - | €-7k | €3k | €7k | €343 | ▼ 95.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
22-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
15-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
2020
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 47 days late
31-03
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
04-10
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Kraainem · 1 establishment unit since 2014
Ground area
164 m²
Building footprint
62 m²
Volume, LiDAR
405 m³
Parcel 22002C0032/00Z000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Frans Vander Elststraat 2, 1950 Kraainem
since 20142.227.599.852
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0032/00Z000indicative | Flanders | 164 m² | 1 · 62 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 6,149 companies in sector 46190 we hold annual accounts for 2,571. 281 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded07-03-2014
Fiscal year end31-03
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
47711Retail sale of women's outerwear
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.