FLOORCONCEPTS
ActiveSummary
FLOORCONCEPTS has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €357,708 and a net result of -€200,707. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 60% of 10522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-21
Solvency72▼-17
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19,000 at 30 days acceptable
Liquidity ample (current ratio 1.92 against 3.75 in 2024; short-term debt: 47.1% and cash: 21.4% of total assets), but 53.1% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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 · 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
46.9%
Return on assets
-26.3%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€200,707
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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
4 d late
2023
40 d early
2022
4 d early
2021
on the day
2020
16 d early
2019
16 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 10 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 30 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€357,708▼ 35.9%
2024 · €558,416
Total assets
€762,018▼ 12.3%
2024 · €868,706
Net result
-€200,707▼ 721%
2024 · -€24,434
Working capital
€330,597▼ 47.5%
2024 · €629,134
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€253,106▲ 80.3%€129,768▼ 48.7%€67,943▼ 47.6%€22,416▼ 67.0%-€161,155
Net result€189,858above the sector's middle half▲ 215%€67,926within the sector's middle half▼ 64.2%€12,364within the sector's middle half▼ 81.8%-€24,434below the sector's middle half-€200,707below the sector's middle half▼ 721%
Equity€562,561within the sector's middle half▲ 1.8%€570,486within the sector's middle half▲ 1.4%€582,850within the sector's middle half▲ 2.2%€558,416within the sector's middle half▼ 4.2%€357,708within the sector's middle half▼ 35.9%
Total assets€1.4mwithin the sector's middle half▲ 27.2%€1.3mwithin the sector's middle half▼ 7.3%€1.2mwithin the sector's middle half▼ 7.1%€868,706within the sector's middle half▼ 29.5%€762,018within the sector's middle half▼ 12.3%
Debt€812,504▲ 54.8%€702,296▼ 13.6%€592,078▼ 15.7%€271,003▼ 54.2%€361,667▲ 33.5%
Working capital€702,122above the sector's middle half▲ 2.7%€716,566above the sector's middle half▲ 2.1%€828,025above the sector's middle half▲ 15.6%€629,134above the sector's middle half▼ 24.0%€330,597within the sector's middle half▼ 47.5%
Solvency39.3%within the sector's middle half▼ 9.8pp43.0%within the sector's middle half▲ 3.7pp47.3%within the sector's middle half▲ 4.3pp64.3%above the sector's middle half▲ 17.0pp46.9%within the sector's middle half▼ 17.3pp
Current ratio2.03within the sector's middle half▼ 0.662.25within the sector's middle half▲ 0.223.17above the sector's middle half▲ 0.933.75above the sector's middle half▲ 0.581.92within the sector's middle half▼ 1.83
Return on assets (ROA)13.3%above the sector's middle half▲ 7.9pp5.1%within the sector's middle half▼ 8.1pp1.0%within the sector's middle half▼ 4.1pp-2.8%below the sector's middle half▼ 3.8pp-26.3%below the sector's middle half▼ 23.5pp
Staff (FTE)7.4within the sector's middle half▲ 15.6%6.6within the sector's middle half▼ 10.8%6.9within the sector's middle half▲ 4.5%5.7within the sector's middle half▼ 17.4%5.3within the sector's middle half▼ 7.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €161,155 after €22,416 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €762,018
Fixed assets
€72,543 ▲ 552%
Current assets
€689,475 ▼ 19.6%
Equity and liabilities €762,018
Equity
€357,708 ▼ 35.9%
Provisions
€42,643 ▲ 8.5%
Debt
€361,667 ▲ 33.5%
Debt's share of the balance-sheet total rises from 31.2% to 47.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€154,437▼
2024 · €34,074
Cash flow
-€193,989▼
2024 · -€12,777
Quick ratio
1.40▼
2024 · 2.93
Debt to equity
1.01▲
2024 · 0.49
ROE
-56.1%▼
2024 · -4.4%
Interest coverage
-3.65▼
2024 · 0.71
Debt ≤ 1 year
€358,879▲
2024 · €228,452
Income taxes
€583▼
2024 · €754
Staff costs
€394,676▼
2024 · €431,667
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,805 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
2.0%
went bankrupt
9.8%
stopped otherwise
88%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,805 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €455,820 | €539,995 | €431,667 | €394,676 | ▼ 8.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,087 | €11,657 | €11,657 | €11,657 | €6,719 | ▼ 42.4% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | -€2,728 | €3,963 | -€17,561 | €3,356 | ▲ 119% |
| Other operating charges640/8 | - | €8,671 | €6,917 | €1,520 | €16,462 | ▲ 983% |
| Gross operating margin9900 | €648,792 | €603,188 | €630,475 | €449,701 | €260,057 | ▼ 42.2% |
| Operating profit (loss)9901 | €253,106 | €129,768 | €67,943 | €22,416 | -€161,155 | ▼ 819% |
| Financial income75/76B | - | €1,874 | €4,082 | €1,837 | €3,345 | ▲ 82.0% |
| Recurring financial income75 | €7,059 | €1,874 | €4,082 | €1,837 | €3,345 | ▲ 82.0% |
| Financial charges65/66B | - | €48,893 | €45,952 | €47,934 | €42,314 | ▼ 11.7% |
| Recurring financial charges65 | €56,063 | €48,893 | €45,952 | €47,934 | €42,314 | ▼ 11.7% |
| Profit (loss) for the period before taxes9903 | €204,102 | €82,749 | €26,073 | -€23,681 | -€200,124 | ▼ 745% |
| Income taxes67/77 | €14,244 | €14,823 | €13,709 | €754 | €583 | ▼ 22.7% |
| Profit (loss) for the period9904 | €189,858 | €67,926 | €12,364 | -€24,434 | -€200,707 | ▼ 721% |
| Profit (loss) for the period to be appropriated9905 | €189,858 | €67,926 | €12,364 | -€24,434 | -€200,707 | ▼ 721% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.4m | €1.3m | €1.2m | €868,706 | €762,018 | ▼ 12.3% |
| Fixed assets21/28 | €46,093 | €34,435 | €22,778 | €11,121 | €72,543 | ▲ 552% |
| Tangible fixed assets22/27 | €42,343 | €30,685 | €19,028 | €7,371 | €68,793 | ▲ 833% |
| Land and buildings22 | - | - | - | - | €56,926 | - |
| Plant, machinery and equipment23 | - | €16,510 | €11,940 | €7,371 | €4,946 | ▼ 32.9% |
| Furniture and vehicles24 | - | €14,175 | €7,088 | - | €6,921 | - |
| Financial fixed assets28 | €3,750 | €3,750 | €3,750 | €3,750 | €3,750 | = |
| Current assets29/58 | €1.4m | €1.3m | €1.2m | €857,585 | €689,475 | ▼ 19.6% |
| Stocks and contracts in progress3 | €67,634 | €115,113 | €285,081 | €188,473 | €186,956 | ▼ 0.8% |
| Stocks30/36 | - | €115,113 | €285,081 | €188,473 | €186,956 | ▼ 0.8% |
| Amounts receivable within one year40/41 | €526,241 | €476,103 | €584,873 | €291,435 | €339,186 | ▲ 16.4% |
| Trade receivables40 | - | €475,926 | €583,582 | €291,435 | €339,186 | ▲ 16.4% |
| Other amounts receivable41 | - | €177 | €1,291 | - | - | - |
| Cash at bank and in hand54/58 | €789,572 | €700,015 | €338,753 | €377,139 | €162,795 | ▼ 56.8% |
| Deferred charges and accrued income490/1 | - | - | €291 | €539 | €539 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.4m | €1.3m | €1.2m | €868,706 | €762,018 | ▼ 12.3% |
| Equity10/15 | €562,561 | €570,486 | €582,850 | €558,416 | €357,708 | ▼ 35.9% |
| Contributions10/11 | - | €412,500 | €412,500 | €412,500 | €412,500 | = |
| Reserves13 | €6,178 | €6,178 | €6,178 | €6,178 | €6,178 | = |
| Non-distributable reserves130/1 | - | €6,022 | €6,022 | €6,022 | €6,022 | = |
| Reserves not available under the articles1311 | - | €6,022 | €6,022 | €6,022 | €6,022 | = |
| Tax-exempt reserves132 | - | €156 | €156 | €156 | €156 | = |
| Profit (loss) carried forward14 | €143,882 | €151,808 | €164,172 | €139,737 | -€60,970 | ▼ 144% |
| Provisions and deferred taxes16 | €55,613 | €52,885 | €56,848 | €39,287 | €42,643 | ▲ 8.5% |
| Provisions for liabilities and charges160/5 | - | €52,885 | €56,848 | €39,287 | €42,643 | ▲ 8.5% |
| Other liabilities and charges164/5 | - | €52,885 | €56,848 | €39,287 | €42,643 | ▲ 8.5% |
| Amounts payable17/49 | €812,504 | €702,296 | €592,078 | €271,003 | €361,667 | ▲ 33.5% |
| Amounts payable after more than one year17 | €119,405 | €122,987 | €126,677 | - | - | - |
| Trade debts175 | - | €122,987 | €126,677 | - | - | - |
| Amounts payable within one year42/48 | €682,463 | €574,666 | €380,973 | €228,452 | €358,879 | ▲ 57.1% |
| Trade debts44 | €460,592 | €466,619 | €335,440 | €197,780 | €308,591 | ▲ 56.0% |
| Suppliers440/4 | - | €466,619 | €335,440 | €197,780 | €308,591 | ▲ 56.0% |
| Taxes, remuneration and social security45 | - | €48,046 | €45,533 | €30,596 | €50,199 | ▲ 64.1% |
| Taxes450/3 | - | €25,643 | €21,345 | €9,557 | €11,425 | ▲ 19.6% |
| Remuneration and social security454/9 | - | €22,403 | €24,188 | €21,039 | €38,774 | ▲ 84.3% |
| Other amounts payable47/48 | - | €60,000 | - | €76 | €89 | ▲ 16.5% |
| Accrued charges and deferred income492/3 | - | €4,643 | €84,428 | €42,551 | €2,788 | ▼ 93.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €189,858 | €67,926 | €12,364 | -€24,434 | -€200,707 | ▼ 721% |
| + Depreciation and write-downs630 | €8,087 | €11,657 | €11,657 | €11,657 | €6,719 | ▼ 42.4% |
| Operating cash flow (approximation) | €197,945 | €79,583 | €24,021 | -€12,777 | -€193,989 | ▼ 1,418% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€68,141 | - |
| Change in cash | - | -€89,557 | -€361,262 | €38,386 | -€214,344 | ▼ 658% |
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
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet -€200,707
Net result drops to -€200,707, the lowest in the series.
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Highest result since 2019net €189,858 ▲215%
Operating result €253,106, net result €189,858, both a record.
15-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Equity above €500,000Eq €552,702 ▲12.2%
2 profitable years in a row build equity to €552,702.
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
20-12
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 6 acts read
About the unread acts
We know of 6 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
6 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, Oostende · 1 establishment unit since 2008
Ground area
6,004 m²
Building footprint
3,263 m²
Parcel 35382G0176/00L000, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Floorconcepts
since 20082.170.099.638
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35382G0176/00L000 | Flanders | 6,004 m² | 1 · 3,262 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 1
-
25%
According to the annual accounts to 30-06-2025 of FLOORCONCEPTS and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 750 EUR awarded · 750 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 750 EUR | 750 EUR |
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Of 75 companies in sector 47524 we hold annual accounts for 47. 32 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
Founded05-02-2008
Fiscal year end30-06
Activities, NACEBEL 2025
46833Wholesale trade
47524Retail trade
43332Laying of wooden floor and wall coverings
43333Wallpapering and laying of floor and wall coverings in other materials
46130Agents in the wholesale of timber and building materials
47523Retail trade
47529Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0895553983
Registered
23-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.