Equity
€57,933 ▲ 38.9%
FLOR BUSINESS has made a profit in every financial year since 2022.
FLOR BUSINESS
Lifetime
4 annual accounts with figures on one time axispeak €118,486 (2022)
€93,293▲ 19.9%
peak €23,014 (2022)
€16,233▲ 147%
peak €57,933 (2025)
€57,933▲ 38.9%
€16,962▲ 55.3%
Board3 names since 2021
3 directorsCHECICHES Florica-Domnica Alina and 2 others
Documentsfilings and deeds
31-01-2026on the last day
2025micro format
Turnover from €77,828 to €93,293Gross margin from €21,417 to €33,963Result from €6,585 to €16,233Equity from €41,699 to €57,933Debts from €10,925 to €16,962Cash from €6,899 to €46,557
Key points
from the 2025 annual accountsPayment terms
56 days to suppliers
FLOR BUSINESS pays its suppliers 34 days later than in 2024. Customers pay 28 days earlier.
Position in the sector
77.4%
Higher solvency than 85% of companies in construction of buildings. Sector median 42.9% · 9,431 companies.
Checked score
88
Excellent
Financially stronger than 84% of micro companies in construction of buildings (NACE 41)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,462 companies (NACE 41, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 2.2%
01-2025: 2.3%▲ +0.1 percentage points vs 12-2024
02-2025: 2.7%▲ +0.4 percentage points vs 01-2025highest value
03-2025: 1.9%▼ -0.8 percentage points vs 02-2025
04-2025: 1.9%● unchanged vs 03-2025
05-2025: 1.9%● unchanged vs 04-2025
06-2025: 2.0%▲ +0.1 percentage points vs 05-2025
07-2025: 2.0%● unchanged vs 06-2025
08-2025: 2.1%▲ +0.1 percentage points vs 07-2025
09-2025: 2.1%● unchanged vs 08-2025
10-2025: 2.2%▲ +0.1 percentage points vs 09-2025
11-2025: 2.3%▲ +0.1 percentage points vs 10-2025
12-2025: 2.3%● unchanged vs 11-2025
01-2026: 2.4%▲ +0.1 percentage points vs 12-2025
02-2026: 0.5%▼ -1.9 percentage points vs 01-2026
03-2026: 0.4%▼ -0.1 percentage points vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026lowest value
08-2026: 0.4%● unchanged vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.4%● unchanged vs 09-2026
11-2026: 0.4%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2021
Size: turnover €93,293, total assets €74,894
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Liquidity: current ratio 3.57, cash €46,557
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 41, micro). It does better than 92% of them on solvency, 92% on liquidity, 81% on profitability and 70% on growth.
The bankruptcy probability was computed on 05-11-2026 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 30-06-2025.
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, 26,972 companies had the same profile as FLOR BUSINESS has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FLOR BUSINESS itself: 0.4% within 12 months.
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 26,972 companies, not a prediction for FLOR BUSINESS. 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 €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.57 (2.94 in 2024), above the usual 1.5. Short-term debt is 22.6% and cash 62.2% of total assets. 22.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 31-01-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
3 days late
2023
on the day
2022
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 1 day after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 31 January (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end06-11-2026 today31-01-2027 deadline
Board and ownership
- CHECICHES Florin 45 sharesdeed of 24-02-2023
- CHECICHES Florica-Domnica Alina 30 sharesdeed of 24-02-2023
- CHECICHES Carina Andrea 25 sharesdeed of 24-02-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0762844226
Appointment: CHECICHES Carina Andrea (director)
CHECICHES Florin holds 45 shares · CHECICHES Florica-Domnica Alina holds 30 shares · CHECICHES Carina Andrea holds 25 shares · General meeting of 30-09-2022 · Gazette deed
Incorporation
Founders: CHECICHES Florin and CHECICHES Florica-Domnica Alina · Founding capital of €5,000, 100 shares · Appointments: CHECICHES Florin (director) and CHECICHES Florica-Domnica Alina (director) · published on 05-02-2021 · Gazette deed
First establishment
Jules Debeckerstraat 18, Koekelberg
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FLOR BUSINESS Koekelberg | €93,293 | 25.0% | 77.4% | - |
| SCAI CONSTRUCT Koekelberg | €478,874 | 5.7% | 89.1% | - |
| JEM'S CONSTRUCT Uccle | - | - | 27.6% | - |
| EVO GROUP Anderlecht | - | - | 91.4% | - |
| RONIX Anderlecht | - | - | 66.0% | - |
| AB21RCS Schaerbeek | - | - | 58.2% | - |
| i9 Construct Woluwe-Saint-Pierre | - | - | 37.9% | - |
Grey: the largest companies of the sector (construction of buildings (NACE 41)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as FLOR BUSINESS: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €62,600 and €86,100, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 03-02-2021Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 2 others
- Establishment unit
- 2.316.293.2861081 Koekelberg, since 03-02-2021
- Financial year end
- 30 June
- Peppol
- Reachable since 05-05-2026
Annual accounts to 30-06-2025
- €74,894▲ 42.3%
- ≈ 0 FTEestimated
- Filing
- Filed on 31-01-2026, on the last day of the filing period
Insights on FLOR BUSINESS
FLOR BUSINESS has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57,933 and a net result of €16,233.
Equity has been growing by about 27% per year since 2022. Its solvency ranks better than 86% of 9,431 sector peers (NACE 41, financial year 2025).
The computed 12-month bankruptcy probability is 0.4% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FLOR BUSINESS
- What is the company number of FLOR BUSINESS?
- The company number of FLOR BUSINESS is 0762.844.226. The VAT number is the same number with BE in front: BE 0762.844.226.
- Where is FLOR BUSINESS based?
- The registered office is at Jules Debeckerstraat 18, 1081 Koekelberg.Company details
- What does FLOR BUSINESS do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of FLOR BUSINESS?
- FLOR BUSINESS is a private limited company (BV).
- When was FLOR BUSINESS founded?
- FLOR BUSINESS was founded on 03-02-2021.
- Is FLOR BUSINESS still active?
- Yes, FLOR BUSINESS is an active enterprise in the KBO register.
- What is the turnover of FLOR BUSINESS?
- The turnover of FLOR BUSINESS was €93,293 in financial year 2025, according to the filed annual accounts.Financials
- Is FLOR BUSINESS profitable?
- In financial year 2025, FLOR BUSINESS made a profit of €16,233.
- Where can I find the annual accounts of FLOR BUSINESS?
- FLOR BUSINESS filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FLOR BUSINESS due?
- FLOR BUSINESS must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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