Equity
€28,422 ▲ 21.0%
Flomut paid out €833 in dividends. That is 14% of the 2025 profit.
Flomut
Overview
Lifetime
3 annual accounts with figures on one time axispeak €70,363 (2023)
€17,063▲ 166%
lowest -€2,638 (2024)
€5,758▲ €8,396
peak €28,422 (2025)
€28,422▲ 21.0%
€5,458▼ 49.2%
Board1 name since 2022
1 directorMUNEZERO TWAHIRWA Florien
Documentsfilings and deeds
21-08-202621 days late
2025micro format
Gross margin from €6,414 to €17,063Back to profit: €5,758Dividend €833Equity from €23,497 to €28,422Debts from €10,739 to €5,458
Key points
from the 2025 annual accountsTurnover
≈ €80,000 estimated
The micro format states no turnover.
Liquidity
5.49 was 2.14 in 2024
Short-term debts fell from €10,739 to €5,458.
Filings
3 annual accounts 3 late
The 2024 accounts came latest: 28 days after the end of the period.
Starting capital
€1,500 100 shares
Position in the sector
83.9%
Higher solvency than 92% of companies in personal services. Sector median 26.9% · 5,754 companies.
Checked score
91
Excellent
Financially stronger than 84% of micro companies in personal services (NACE 96)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.2%
01-2025: 1.2%● unchanged vs 12-2024
02-2025: 1.2%● unchanged vs 01-2025
03-2025: 1.2%● unchanged vs 02-2025
04-2025: 1.4%▲ +0.2 percentage points vs 03-2025
05-2025: 1.7%▲ +0.3 percentage points vs 04-2025
06-2025: 1.7%● unchanged vs 05-2025
07-2025: 1.7%● unchanged vs 06-2025
08-2025: 2.8%▲ +1.1 percentage points vs 07-2025highest value
09-2025: 1.3%▼ -1.5 percentage points vs 08-2025
10-2025: 1.3%● unchanged vs 09-2025
11-2025: 1.3%● unchanged vs 10-2025
12-2025: 1.3%● unchanged vs 11-2025
01-2026: 1.3%● unchanged vs 12-2025
02-2026: 1.3%● unchanged vs 01-2026
03-2026: 0.5%▼ -0.8 percentage points vs 02-2026
04-2026: 0.5%● unchanged vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.6%▲ +0.1 percentage points vs 06-2026
08-2026: 1.0%▲ +0.4 percentage points vs 07-2026
09-2026: 0.2%▼ -0.8 percentage points vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Size: total assets €33,881
Founded in 2022
lowers risk
Liquidity: current ratio 5.49, cash €17,690
Equity €28,422 (83.9% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, micro). It does better than 93% of them on solvency, 95% on liquidity, 79% on profitability and 68% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as Flomut has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Flomut itself is lower: 0.2% within 12 months. It rests on far more data about Flomut than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for Flomut. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.49 (2.14 in 2024), above the usual 1.5. Short-term debt is 16.1% and cash 52.2% of total assets. 16.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 21 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
21 days late
2024
28 days late
2023
18 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 22 days after the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 August (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0787787478
Registered office moved from Molenbeek-Saint-Jean to Braine-l'Alleud
New registered office: Avenue Chantecler 39, 1420 Braine l'Alleud · Previous registered office: Rue de Birmingham 25 - bte 28, 1080 Molenbeek-Saint-Jean · General meeting of 01-01-2024 · Gazette deed
Incorporation
Founding capital of €1,500, 100 shares · Founder: MUNEZERO TWAHIRWA Florien (comparant) · Appointment: MUNEZERO TWAHIRWA Florien (director) · published on 01-07-2022 · Gazette deed
First establishment
FLOMUT SRL, Avenue Chantecler 39, Braine-l'Alleud
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Flomut Braine-l'Alleud | €33,881 | €17,063 | 83.9% | - |
| SOFIA EVENT'S Ternat | €30,762 | €12,025 | 67.6% | - |
| 5115 Torhout | €48,089 | €16,879 | 62.7% | - |
| Inscene Sint-Truiden | €41,406 | €11,343 | 9.5% | - |
| Marcand Wetteren | €42,279 | €10,646 | 47.4% | - |
| ImagoSkills Sint-Gillis (bij-Brussel) | €48,642 | €20,133 | 19.6% | - |
| SOTERIA CONSULTING Sint-Gillis (bij-Brussel) | €45,372 | €30,787 | 87.3% | - |
These companies have the same main activity as Flomut: other personal services (NACE 96999). They are comparable in size and age: total assets between €30,800 and €48,600, founded between 2021 and 2023.
Official details
Source: KBO- Status
- Active since 29-06-2022Normal situation
- Activity
- Other personal servicesNACE 96999and 2 others
- Establishment unit
- 2.332.960.8561420 Braine-l'Alleud, since 29-06-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 13-10-2025
Annual accounts 2025
- €17,063▲ 166%
- €5,758
- €28,422▲ 21.0%
- €33,881▼ 1.0%
- Filing
- Filed on 21-08-2026
Insights on Flomut
Flomut files the micro format. That format states no turnover. The gross margin fell from €70,363 in 2023 to €17,063 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 21-08-2026, 21 days late€17,063
▲ 166%
€9,112
▲ €10,242
€5,758
▲ €8,396
€24,491
▲ 99.8%
83.9%
▲ 15.3 percentage points
5.49
▲ 3.35
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €80,000. Estimated: probably between €38,000 and €210,000.
Balance sheet
balance sheet total €33,881 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
83.9%
Higher than 92% of 5,754 companies in 2025.
5.49
Higher than 91% of 5,318 companies in 2025.
17.0%
Higher than 76% of 5,363 companies in 2025.
Flomut
Middle half of the sector
80% of the sector
Micro accounts in personal services (NACE 96)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
33,881 | 34,237 | 63,613 | |
21/28 |
3,931 | 11,241 | 18,551 | |
22/27 |
3,931 | 11,241 | 18,551 | |
24 |
3,931 | 11,241 | 18,551 | |
29/58 |
29,949 | 22,995 | 45,062 | |
40/41 |
7,640 | 6,893 | 7,577 | |
40 |
5,999 | 2,044 | 7,042 | |
41 |
1,641 | 4,849 | 535 | |
54/58 |
17,690 | 14,480 | 35,394 | |
490/1 |
4,619 | 1,622 | 2,091 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
33,881 | 34,237 | 63,613 | |
10/15 |
28,422 | 23,497 | 26,135 | |
10/11 |
1,500 | 1,500 | 1,500 | |
14 |
26,922 | 21,997 | 24,635 | |
17/49 |
5,458 | 10,739 | 37,478 | |
17 |
- | - | 5,196 | |
170/4 |
- | - | 5,196 | |
42/48 |
5,458 | 10,739 | 32,282 | |
42 |
- | 5,196 | 6,864 | |
43 |
- | - | 169 | |
439 |
- | - | 169 | |
44 |
1,229 | 598 | 476 | |
440/4 |
1,229 | 598 | 476 | |
45 |
2,786 | 4,179 | 4,855 | |
450/3 |
2,786 | 4,179 | 4,855 | |
47/48 |
1,443 | 766 | 19,918 | |
| Income statement | ||||
9900 |
17,063 | 6,414 | 70,363 | |
630 |
7,310 | 7,310 | 9,854 | |
640/8 |
641 | 234 | 1,481 | |
9901 |
9,112 | -1,130 | 59,029 | |
75/76B |
0 | 3 | 9 | |
75 |
0 | 3 | 9 | |
65/66B |
196 | 328 | 1,065 | |
65 |
196 | 328 | 1,065 | |
9903 |
8,917 | -1,454 | 57,973 | |
67/77 |
3,159 | 1,183 | 14,538 | |
9904 |
5,758 | -2,638 | 43,435 | |
9905 |
5,758 | -2,638 | 43,435 | |
| Appropriation of the result | ||||
9906 |
27,755 | 21,997 | 43,435 | |
14P |
21,997 | 24,635 | - | |
694/7 |
833 | - | 18,800 | |
694 |
833 | - | 18,800 | |
| Document | ||||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 21-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 21 days after the deadline. Filed on 21 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00411950.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 16,422 | 6,180 | 68,883 | ||
| 13,068 | 4,672 | 53,289 | ||
| 0 | 0 | 28,405 | ||
| 3,210 | -20,914 | - | ||
| 24,491 | 12,256 | 12,780 | ||
| 83.9% | 68.6% | 41.1% | ||
| 5.49 | 2.14 | 1.40 | ||
| 0.19 | 0.46 | 1.43 | ||
| 20.3% | -11.2% | 166.2% | ||
| 17.0% | -7.7% | 68.3% | ||
| 83.86 | 18.86 | 64.67 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | - | - | €28,405 |
| €7,310 | €7,310 | €9,854 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on Flomut
The operating result for 2025 is a profit of €9,112, after a loss of €1,130 in 2024.
Debt's share of the balance-sheet total falls from 31.4% to 16.1%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector
since 29-06-2022
term without a fixed end
listed in the 2025 annual accounts, filed on 21-08-2026
Mandates through the years
1 name, the dashed line is todayMUNEZERO TWAHIRWA Florien
Director
Director
Board
Mandates as a list
- MUNEZERO TWAHIRWA Florien
- Director, from 29-06-2022 to date
Control
Capital
- Contribution
- €1,500
- Shares
- 100
- Contribution per share
- €15
- Equity per share
- €284 in 2025
- Source
- deed of 01-07-2022
Articles of association
deed of 01-07-2022 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 01-07-2022 ↗
- MUNEZERO TWAHIRWA Florien 100 shares (100%) · €1,500 in cash
Network & group
No group
Flomut has no parent and no holdings in its annual accounts. MUNEZERO TWAHIRWA Florien is the only director. Flomut shares no director with another company.
Timeline
Timeline
10 events since 2022Filings
Financial
Establishments
Address
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 21 days late
2025
Back to profit net €5,758 The net result is €5,758, after one loss-making year.
Liquidity more than doubled current ratio 5.49 The current ratio rises from 2.14 to 5.49. Short-term debt falls from €10,739 to €5,458.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0787787478
Annual accounts 2024 filed PDFmicro format · 28 days late
2024
Weakest financial year net -€2,638 The net result drops to -€2,638, the lowest from 2023 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 18 days late
Registered office moved from Molenbeek-Saint-Jean to Braine-l'AlleudNew registered office: Avenue Chantecler 39, 1420 Braine l'Alleud · Previous registered office: Rue de Birmingham 25 - bte 28, 1080 Molenbeek-Saint-Jean · General meeting of 01-01-20242 points ▸
- General meeting, 01-01-2024
- Registered-office move, Avenue Chantecler 39, 1420 Braine l'Alleud
2022
IncorporationFounding capital of €1,500, 100 shares · Founder: MUNEZERO TWAHIRWA Florien (comparant) · Appointment: MUNEZERO TWAHIRWA Florien (director) · published on 01-07-20226 points ▸
- Founder, MUNEZERO TWAHIRWA Florien (comparant)
- Founding capital, €1,500, 100 shares
- 100 shares
- Registered office clause, Rue de Birmingham 25 boite 28, 1080 Bruxelles
- Board rule, 1
- Director appointment, MUNEZERO TWAHIRWA Florien
- The deed holds 5 more points.
First establishment FLOMUT SRL, Avenue Chantecler 39, Braine-l'Alleud
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Flomut was incorporated on 29 June 2022 as a private limited company by one natural person, with a starting capital of €1,500.12 The registered office was moved to Braine-l'Alleud in 2024.3 Since 2022, MUNEZERO TWAHIRWA Florien has served as director.4 Total assets fell from €63,613 in 2023 to €33,881 in 2025.5
Company details
Identity
- Enterprise number
- 0787.787.478
- VAT number
- BE 0787.787.478
- Peppol ID
- 0208:0787787478
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-06-2022
- Financial year
- ends on 31 December
- Website
- www.tpharma.net
- Peppol
- Reachable since 13-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Flomut in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 01-07-2022 (in French)
Activities
NACEBEL 202596999
Other personal services main activity
Codes under NACEBEL 2008
96099
Personal service activities main activity
46190
Wholesale trade
47910
Retail trade
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’activité de pharmacien et notamment les prestations de service et les activités de remplacement dans le domaine pharmaceutique en tant que…”deed of 01-07-2022 (in French)
11 activities
- L’activité de pharmacien et notamment les prestations de service et les activités de remplacement dans le domaine pharmaceutique en tant que freelance.
- L’activité de consultance en industrie pharmaceutique notamment les activités ayant trait aux affaires réglementaires,contrôle qualité,assurance qualité,études cliniques,pharmacovigilance.
- De tous médicaments ou produits chimiques,pharmaceutiques,parapharmaceutiques,phytopharmaceutiques,allopathique et homéopathiques;
- D’articles de parfumerie,de cosmétiques,de bandagisterie et de droguerie;
- De compléments alimentaires et de produits diététiques;
- De produits vétérinaires;
- D’accessoires pour tous types d’animaux;
- D’instruments et d’accessoires de chirurgie,d’acoustique,d’optique et d’orthopédie,à l’usage humain ou vétérinaire,le tout au sens large du terme.
- La société peut réaliser toute acquisition et la gestion d’un patrimoine immobilier;
- Toutes opérations en rapport avec les biens immobiliers et les droits réels en matière immobilière,tels que l’achat,la vente,la construction,la transformation,l’aménagement et la décoration d’intérieur,la location,l’échange,le lotissement et,en général,toutes opérations qui se rapportent directement ou indirectement à la gestion ou à la mise en valeur de biens immobiliers ou de droits réels en matière immobilière.
- Dans ce cadre elle pour souscrire tout financement notamment hypothécaires.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| FLOMUT SRL registered office Avenue Chantecler 39, 1420 Braine-l'Alleud | 29-06-2022 | 2.332.960.856 |
1 former office
- Rue de Birmingham 25 - bte 28, 1080 Molenbeek-Saint-Jean until 01-01-2024 · deed of 05-02-2024
Buildings and parcels at the address
- Ground area
- 209 m²
- Buildings
- 63 m²
- Volume, LiDAR
- 612 m³
- Tallest building
- 11.1 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25742H0082/00Z002 | 209 m² | 1 · 63 m² | 11.1 m · 3 |
Contact
E-mail
flomunet@gmail.com