Flora
ActiveThe computed 12-month bankruptcy probability of Flora is 1.8% (moderate). For Flora, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €34k and a net result of €-13k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 1945 sector peers (fiscal year 2023). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability8▼-82
Solvency55▼-14
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2023Solvency, return and age of the figures
Solvency
29.7%
Return on assets
-11.6%
Age of the figures
33 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 6 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline19-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 09-12-2024, 131 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
131 d late
2022
70 d late
2021
217 d late
2020
26 d early
2019
13 d early
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€34k▼ 28.1%
2022 · €48k
2018: €22k
2019: €22k
2020: €-1k
2021: €29k
2022: €48k
2018 → 2023
Total assets
€116k▲ 5.9%
2022 · €109k
2018: €56k
2019: €59k
2020: €79k
2021: €85k
2022: €109k
2018 → 2023
Net result
€-13k
2022 · €19k
2018: €3k
2019: €516
2020: €-23k
2021: €30k
2022: €19k
2018 → 2023
Working capital
€34k▼ 28.1%
2022 · €48k
2018: €13k
2019: €16k
2020: €-11k
2021: €26k
2022: €48k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€22k-€-1k€29k€48k▲ 65.9%€34k▼ 28.1%
Operating result€2k-€-23k€34k€25k▼ 26.1%€-13k
Net result€516-€-23k€30k€19k▼ 36.9%€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €13k after €25k in 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Equity and liabilities €116k
Equity
€34k▼ 28.1%
Debt
€81k▲ 32.4%
The debt ratio rises from 56.2% to 70.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
29.7%▼
2022 · 43.8%
Current ratio
1.42▼
2022 · 1.78
Quick ratio
1.23▼
2022 · 1.62
Debt / equity
2.37▲
2022 · 1.28
ROE
-39.1%▼
2022 · 39.7%
ROA
-11.6%▼
2022 · 17.4%
Debt
€81k▲
2022 · €61k
Debt ≤ 1 year
€81k▲
2022 · €61k
Staff costs
€45k▼
2022 · €50k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€109k€116k▲
Current assets29/58€109k€116k▲
Stocks and contracts in progress3€10k€15k▲
Stocks30/36€10k€15k▲
Amounts receivable within one year40/41€145€2k▲
Trade receivables40€145€1k▲
Other amounts receivable41-€1k
Cash at bank and in hand54/58€98k€97k▼
Deferred charges and accrued income490/1€919€1k▲
Equity and liabilities
Total equity and liabilities10/49€109k€116k▲
Equity10/15€48k€34k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€27k€14k▼
Amounts payable17/49€61k€81k▲
Amounts payable within one year42/48€61k€81k▲
Financial debts43€24k€31k▲
Other loans439€24k€31k▲
Trade debts44€2k€14k▲
Suppliers440/4€2k€14k▲
Taxes, remuneration and social security45€16k€13k▼
Taxes450/3€9k€5k▼
Remuneration and social security454/9€7k€8k▲
Other amounts payable47/48€19k€24k▲
Income statement
Code20222023
Remuneration, social security and pensions62€50k€45k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k-
Other operating charges640/8€1k€4k▲
Gross operating margin9900€77k€36k▼
Operating profit (loss)9901€25k€-13k▼
Financial income75/76B€80€17▼
Recurring financial income75€80€0▼
Non-recurring financial income76B€80€17▼
Financial charges65/66B€344€485▲
Recurring financial charges65€344€485▲
Profit (loss) for the period before taxes9903€25k€-13k▼
Income taxes67/77€6k-
Profit (loss) for the period9904€19k€-13k▼
Profit (loss) for the period to be appropriated9905€19k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€14k▼
Profit (loss) brought forward from the previous period14P€8k€27k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
09-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 131 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
05-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 217 days late
2021
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-23k ▼4631%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Antwerpen · 1 establishment unit since 2018
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.
Lakborslei 1892100 AntwerpenGround area
156 m²
Building footprint
156 m²
Volume, LiDAR
1,177 m³
Parcel 11343A0599/00N026, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Lakborslei 189, 2100 Antwerpen
since 20182.270.022.110
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11343A0599/00N026 | Flanders | 156 m² | 1 · 156 m² | 10.8 m · 3 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.270.022.110
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LES DOUCEURS DE SAIVE
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Of 4,227 companies in sector 10712 we hold annual accounts for 1,870. 1,440 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2017
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
47279Other retail sale of food
47299Retail trade
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.