Checked.be
Active
BE 0474.114.818Private limited company
FLOOR-INVEST
Rue de l'Energie(RH) 10 ·5020 Namur, Belgium· 25 yrs active
Sector: Development of residential building projects
(68121)
Conclusion
FLOOR-INVEST has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €480k and a net result of €-14k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 95% of 13655 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €480k |
| Net result | €-14k |
| Better than sector | 95% |
| Active | 25 yrs |
Financial profile
63
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
62
Profitability
0
Solvency
100
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 2001, 25 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
62
/ 100
Healthy
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€30k
estimate, not credit advice
Score history
75
2021
78
2022
71
2023
78
2024
62
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 44.49 (≥ 1.5)
+10
Quick ratio
Quick ratio 32.24 (≥ 1.0)
+5
Leverage
Debt/equity 0.02 (< 1.0)
+10
Profitability
Negatieve ROE -3%
-10
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 13-04-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 5 fiscal years (±2.5%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 97.6% | 29.8% | |
| Net result | €-14k | €6k | |
| Equity | €480k | €78k | |
| Gross operating margin | €-16k | €41k | |
| Total assets | €492k | €416k |
€28k
-
21-25
€-14k
-
21-25
€58k
-
21-25
€492k
-14.8%
21-25
€480k
-2.8%
21-25
€475k
-3.0%
21-25
0
-
21-25
€0
-100.0%
21-25
€12k
-85.9%
21-25
€11k
-86.7%
21-25
€0
-100.0%
21-25
44.49
+537.4%
21-25
32.24
+472.2%
21-25
97.6%
+14.1%
21-25
0.02
-85.5%
21-25
-2.9%
-
21-25
-2.8%
-
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | full schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | - | - | - | - | €28k |
| Net profit | €-14k | €458 | €19k | €49k | €58k |
| Cash flow | - | - | - | - | €58k |
| Staff costs | - | - | - | - | - |
| Income taxes | €0 | €978 | €7k | €18k | €5k |
| Dividends | - | - | - | - | - |
| Total assets | €492k | €578k | €992k | €1.22M | €1.00M |
| Equity | €480k | €494k | €494k | €474k | €425k |
| Debt | €12k | €84k | €498k | €750k | €577k |
| of which ≤ 1y | €11k | €82k | €162k | €190k | €314k |
| of which > 1y | €0 | €521 | €335k | €560k | €262k |
| Working capital | €475k | €490k | €824k | €1.03M | €682k |
| Employees (FTE) | - | 0.0 | - | - | - |
Note: these years are not on the same basis. The filed schemas differ (micro schema, full schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 44.49 | 6.98 | 6.07 | 6.43 | 3.17 |
| Quick ratio | 32.24 | 5.63 | 1.77 | 3.00 | 0.25 |
| Working capital ratio | 96.6% | 84.8% | 83.1% | 84.1% | 68.1% |
| Solvency | 97.6% | 85.5% | 49.8% | 38.7% | 42.4% |
| Debt / equity | 0.02 | 0.17 | 1.01 | 1.58 | 0.62 |
| Long-term debt ratio | 0.00 | 0.00 | 0.68 | 1.18 | 0.62 |
| Interest coverage | - | - | - | - | - |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | -2.8% | 0.1% | 1.9% | 4.0% | 5.8% |
| ROE | -2.9% | 0.1% | 3.9% | 10.4% | 13.7% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (27 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €492k | €578k | €992k | €1.22M | €1.00M |
| Fixed assets | 21/28 | €6k | €6k | €6k | €6k | €6k |
| Tangible fixed assets | 22/27 | - | - | - | - | €0 |
| Financial fixed assets | 28 | €6k | €6k | €6k | €6k | €6k |
| Current assets | 29/58 | €486k | €572k | €986k | €1.22M | €997k |
| Stocks & contracts in progress | 3 | €134k | €110k | €698k | €651k | €917k |
| Amounts receivable within one year | 40/41 | €70k | €84k | €56k | €159k | €50k |
| Investments | 50/53 | €0 | €250k | - | - | - |
| Cash & bank | 54/58 | €283k | €127k | €232k | €409k | €29k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €492k | €578k | €992k | €1.22M | €1.00M |
| Equity | 10/15 | €480k | €494k | €494k | €474k | €425k |
| Contributions / capital | 10/11 | €150k | €150k | €150k | €150k | - |
| Reserves | 13 | €217k | €217k | €217k | €217k | €217k |
| Accumulated profits (losses) | 14 | €113k | €127k | €127k | €107k | €58k |
| Provisions & deferred taxes | 16 | - | - | - | €0 | €143 |
| Amounts payable | 17/49 | €12k | €84k | €498k | €750k | €577k |
| Amounts payable after one year | 17 | €0 | €521 | €335k | €560k | €262k |
| Amounts payable within one year | 42/48 | €11k | €82k | €162k | €190k | €314k |
| Trade debts payable within one year | 44 | €6k | €76k | €122k | €156k | €3k |
| Income statement | ||||||
| Gross operating margin | 9900 | €-16k | €9k | €57k | €74k | €7k |
| Operating result | 9901 | €-18k | €6k | €41k | €73k | €28k |
| Financial income | 75 | €4k | €3k | €3k | €3k | €4k |
| Financial charges | 65 | €726 | €7k | €19k | €9k | €12k |
| Result before taxes | 9903 | €-14k | €1k | €26k | €67k | €20k |
| Income taxes | 67/77 | €0 | €978 | €7k | €18k | €5k |
| Net result for the period | 9904 | €-14k | €458 | €19k | €49k | €15k |
| Result to be appropriated | 9905 | €-14k | €458 | €19k | €49k | €15k |
Legal Structure
| NACE primary | Development of residential building projects(68121) |
| Legal form | Private limited company(610) |
| Incorporation | 20-02-2001 |
| Status | Active |
| Postal code | 5020 |
Establishment units
Rue de l'Energie(RH) 10, 5020 Namur
since 20012.094.327.988
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92120F0026/00E003 | Wallonia | 2,210 m² | 1 · 745 m² | - |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
13-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-14k ▼3151%
Net result drops to €-14k, the lowest in the series.
30-09
Financial
Liquidity times 6current ratio 44.49
Current ratio from 6.98 to 44.49; short-term debt falls from €82k to €11k.
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity doublescurrent ratio 6.43
Current ratio from 3.17 to 6.43; short-term debt falls from €314k to €190k.
15-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 16 days late
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 2 days late
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Development of residential building projects68121
Names & trade names
| Legal nameFR | FLOOR-INVEST |
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