FLOMA
ActiveFLOMA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €9k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 78% of 9380 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.32 against 4.56 in 2024), and 20.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
79.9%
Return on assets
13.8%
Age of the figures
8 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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
11 d late
2023
26 d late
2022
25 d late
2021
26 d late
2020
20 d late
2019
51 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 20.9%
2024 · €45k
2018: €16k
2019: €22k
2020: €43k
2021: €61k
2022: €66k
2023: €22k
2024: €45k
2018 → 2025
Total assets
€67k▲ 24.4%
2024 · €54k
2018: €25k
2019: €30k
2020: €56k
2021: €72k
2022: €75k
2023: €86k
2024: €54k
2018 → 2025
Net result
€9k▼ 7.0%
2024 · €10k
2018: €-6k
2019: €6k
2020: €21k
2021: €17k
2022: €6k
2023: €11k
2024: €10k
2018 → 2025
Working capital
€45k▲ 31.4%
2024 · €34k
2018: €16k
2019: €23k
2020: €42k
2021: €59k
2022: €60k
2023: €10k
2024: €34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€66k▲ 9.1%€22k▼ 66.5%€45k▲ 101%€54k▲ 20.9%
Operating result€23k-€8k▼ 65.3%€16k▲ 98.3%€15k▼ 6.2%€14k▼ 6.2%
Net result€17k-€6k▼ 68.4%€11k▲ 101%€10k▼ 9.5%€9k▼ 7.0%
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 fallen two years in a row; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€9k▼ 14.3%
Current assets
€59k▲ 33.4%
Equity and liabilities €67k
Equity
€54k▲ 20.9%
Debt
€14k▲ 40.8%
The debt ratio rises from 17.8% to 20.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€16k▼
2024 · €17k
Cash flow
€12k▼
2024 · €12k
Solvency
79.9%▼
2024 · 82.2%
Current ratio
4.32▼
2024 · 4.56
Quick ratio
4.32▼
2024 · 4.56
Debt / equity
0.25▲
2024 · 0.22
ROE
17.3%▼
2024 · 22.5%
ROA
13.8%▼
2024 · 18.5%
Interest coverage
76.91▼
2024 · 313.97
Debt
€14k▲
2024 · €10k
Debt ≤ 1 year
€14k▲
2024 · €10k
Income taxes
€4k▼
2024 · €5k
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€54k€67k▲
Fixed assets21/28€10k€9k▼
Tangible fixed assets22/27€10k€9k▼
Land and buildings22€7k€6k▼
Furniture and vehicles24€3k€3k▼
Current assets29/58€44k€59k▲
Amounts receivable within one year40/41€7k€10k▲
Trade receivables40€7k€10k▲
Cash at bank and in hand54/58€35k€47k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€54k€67k▲
Equity10/15€45k€54k▲
Contributions10/11€19k€19k=
Reserves13€11k€20k▲
Distributable reserves133€11k€20k▲
Profit (loss) carried forward14€15k€15k▲
Amounts payable17/49€10k€14k▲
Amounts payable within one year42/48€10k€14k▲
Trade debts44€532€236▼
Suppliers440/4€532€236▼
Taxes, remuneration and social security45€7k€11k▲
Taxes450/3€4k€6k▲
Remuneration and social security454/9€3k€6k▲
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€902€1k▲
Gross operating margin9900€18k€17k▼
Operating profit (loss)9901€15k€14k▼
Financial income75/76B€1€1▲
Recurring financial income75€1€1▲
Financial charges65/66B€54€209▲
Recurring financial charges65€54€209▲
Profit (loss) for the period before taxes9903€15k€14k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€10k€9k▼
Profit (loss) for the period to be appropriated9905€10k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€24k▲
Profit (loss) brought forward from the previous period14P€14k€15k▲
Transfer to equity691/2€9k€9k=
To other reserves6921€9k€9k=
The notes to these accounts (5 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 4.56
Current ratio from 1.15 to 4.56; short-term debt falls from €64k to €10k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 25 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 20 days late
2020
31-12
Financial
Highest result since 2018net €21k ▲257%
Operating result €30k, net result €21k, both a record.
20-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 51 days late
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 24 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bierbeek · 1 establishment unit since 2016
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.
Pimberg 273360 BierbeekGround area
694 m²
Building footprint
158 m²
Volume, LiDAR
82 m³
Parcel 24053B0118/00V002, Flanders · tallest building 7.9 m. Linked by address, not a title deed.
1 establishment unit
Floma
since 20162.255.052.337
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24053B0118/00V002 | Flanders | 694 m² | 1 · 158 m² | 7.9 m |
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.
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Of 18,208 companies in sector 71111 we hold annual accounts for 6,291. 5,350 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2016
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.