FLORAMAX
ActiveSummary
The computed 12-month bankruptcy probability of FLORAMAX is 6.3% (elevated). The 2025 annual accounts show equity of €66k and a net result of €23k. Its solvency ranks better than 36% of 18400 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2023
Profitability70▲+30
Solvency43▲+14
Growth78
Track record94
Bankruptcy probability, 12 months
6.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity ample (current ratio 1.73 against 0.84 in 2023; short-term debt: 16.3% and cash: 21.7% of total assets), but 82.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
17.6%
Return on assets
6.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
31 d late
2023
114 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▲ 280%
2023 · €17k
2023: €17k
2025: €66k
2023 → 2025
Total assets
€373k▼ 3.7%
2023 · €387k
2023: €387k
2025: €373k
2023 → 2025
Net result
€23k▲ 86.6%
2023 · €12k
2023: €12k
2025: €23k
2023 → 2025
Working capital
€45k
2023 · €-17k
2023: €-17k
2025: €45k
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232025Trend
Equity€17k-€66k▲ 280%
2023: €17k
2025: €66k
Operating result€49k-€43k▼ 12.6%
2023: €49k
2025: €43k
Net result€12k-€23k▲ 86.6%
2023: €12k
2025: €23k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €43k in 2025, compared with €49k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €373k
Fixed assets
€268k ▼ 10.0%
Current assets
€105k ▲ 17.3%
Equity and liabilities €373k
Equity
€66k ▲ 280%
Debt
€308k ▼ 16.9%
Debt's share of the balance-sheet total falls from 95.6% to 82.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€73k▼
2023 · €74k
Cash flow
€53k▲
2023 · €37k
Current ratio
1.73▲
2023 · 0.84
Quick ratio
1.48▲
2023 · 0.77
Debt to equity
4.70▼
2023 · 21.48
ROE
34.8%▼
2023 · 71.0%
ROA
6.1%▲
2023 · 3.2%
Interest coverage
5.21▲
2023 · 2.06
Debt ≤ 1 year
€61k▼
2023 · €106k
Debt > 1 year
€246k▼
2023 · €263k
Income taxes
€6k▲
2023 · €1k
Staff costs
€7k▼
2023 · €70k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2023 · 49 lines
Balance sheet
Code20232025
Assets
Total assets20/58€387k€373k▼
Fixed assets21/28€298k€268k▼
Tangible fixed assets22/27€297k€267k▼
Land and buildings22€198k€203k▲
Plant, machinery and equipment23€63k€49k▼
Furniture and vehicles24€12k€3k▼
Other tangible fixed assets26€23k€12k▼
Financial fixed assets28€1k€1k=
Current assets29/58€90k€105k▲
Stocks and contracts in progress3€7k€15k▲
Stocks30/36€7k€15k▲
Amounts receivable within one year40/41€8k€8k▼
Trade receivables40€8k€3k▼
Other amounts receivable41€464€5k▲
Cash at bank and in hand54/58€73k€81k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€387k€373k▼
Equity10/15€17k€66k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€12k€61k▲
Amounts payable17/49€370k€308k▼
Amounts payable after more than one year17€263k€246k▼
Financial debts170/4€232k€198k▼
Other amounts payable178/9€32k€48k▲
Amounts payable within one year42/48€106k€61k▼
Current portion of amounts payable after more than one year42€17k€17k▼
Financial debts43€957-
Credit institutions430/8€957-
Trade debts44€33k€16k▼
Suppliers440/4€33k€16k▼
Taxes, remuneration and social security45€11k€18k▲
Taxes450/3€11k€18k▲
Other amounts payable47/48€44k€10k▼
Accrued charges and deferred income492/3€470€495▲
Income statement
Code20232025
Remuneration, social security and pensions62€70k€7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€30k▲
Other operating charges640/8€10k€5k▼
Gross operating margin9900€155k€85k▼
Operating profit (loss)9901€49k€43k▼
Financial income75/76B€78€135▲
Recurring financial income75€78€135▲
Financial charges65/66B€36k€14k▼
Recurring financial charges65€36k€14k▼
Profit (loss) for the period before taxes9903€13k€29k▲
Income taxes67/77€1k€6k▲
Profit (loss) for the period9904€12k€23k▲
Profit (loss) for the period to be appropriated9905€12k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€61k▲
Profit (loss) brought forward from the previous period14P-€38k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €70k | €7k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25k | €30k | - |
| Other operating charges640/8 | €10k | €5k | - |
| Gross operating margin9900 | €155k | €85k | - |
| Operating profit (loss)9901 | €49k | €43k | - |
| Financial income75/76B | €78 | €135 | - |
| Recurring financial income75 | €78 | €135 | - |
| Financial charges65/66B | €36k | €14k | - |
| Recurring financial charges65 | €36k | €14k | - |
| Profit (loss) for the period before taxes9903 | €13k | €29k | - |
| Income taxes67/77 | €1k | €6k | - |
| Profit (loss) for the period9904 | €12k | €23k | - |
| Profit (loss) for the period to be appropriated9905 | €12k | €23k | - |
| Line | 2023 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €387k | €373k | - |
| Fixed assets21/28 | €298k | €268k | - |
| Tangible fixed assets22/27 | €297k | €267k | - |
| Land and buildings22 | €198k | €203k | - |
| Plant, machinery and equipment23 | €63k | €49k | - |
| Furniture and vehicles24 | €12k | €3k | - |
| Other tangible fixed assets26 | €23k | €12k | - |
| Financial fixed assets28 | €1k | €1k | - |
| Current assets29/58 | €90k | €105k | - |
| Stocks and contracts in progress3 | €7k | €15k | - |
| Stocks30/36 | €7k | €15k | - |
| Amounts receivable within one year40/41 | €8k | €8k | - |
| Trade receivables40 | €8k | €3k | - |
| Other amounts receivable41 | €464 | €5k | - |
| Cash at bank and in hand54/58 | €73k | €81k | - |
| Deferred charges and accrued income490/1 | €1k | €1k | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €387k | €373k | - |
| Equity10/15 | €17k | €66k | - |
| Contributions10/11 | €5k | €5k | - |
| Profit (loss) carried forward14 | €12k | €61k | - |
| Amounts payable17/49 | €370k | €308k | - |
| Amounts payable after more than one year17 | €263k | €246k | - |
| Financial debts170/4 | €232k | €198k | - |
| Other amounts payable178/9 | €32k | €48k | - |
| Amounts payable within one year42/48 | €106k | €61k | - |
| Current portion of amounts payable after more than one year42 | €17k | €17k | - |
| Financial debts43 | €957 | - | - |
| Credit institutions430/8 | €957 | - | - |
| Trade debts44 | €33k | €16k | - |
| Suppliers440/4 | €33k | €16k | - |
| Taxes, remuneration and social security45 | €11k | €18k | - |
| Taxes450/3 | €11k | €18k | - |
| Other amounts payable47/48 | €44k | €10k | - |
| Accrued charges and deferred income492/3 | €470 | €495 | - |
| Line | 2023 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €12k | €23k | - |
| + Depreciation and write-downs630 | €25k | €30k | - |
| Operating cash flow (approximation) | €37k | €53k | - |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 1.73
Current ratio from 0.84 to 1.73; short-term debt falls from €106k to €61k.
2024
22-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 114 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Fleurus · 9 establishment units since 2022
Ground area
4,411 m²
Building footprint
659 m²
Volume, LiDAR
7,259 m³
9 parcels, Wallonia · tallest building 21.7 m, ±6 floors. Linked by address, not a title deed.
9 establishment units
Floramax
since 20222.335.504.731
Floramax
since 20222.336.348.136
MF RENOV
since 20222.336.348.235
Floramax distributeurs automatiques 2
since 20222.336.348.433
Floramax distributeurs automatiques
since 20222.336.348.532
Floramax 2
since 20222.336.348.631
Show 3 more locations
Floramax
since 20222.336.348.730
Floramax
since 20232.343.407.657
FLORAMAX
since 20232.383.754.313
9 parcels
Wallonia
9
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028A0057/02_000indicative | Wallonia | 2,719 m² | - | - |
| 52012A1066/00N000 | Wallonia | 503 m² | 1 · 234 m² | 21.7 m · 6 fl. |
| 52012A0825/00C003 | Wallonia | 366 m² | 1 · 123 m² | 12.5 m · 4 fl. |
| 52021C0295/00E004 | Wallonia | 287 m² | 1 · 61 m² | 9.4 m · 3 fl. |
| 52014B0336/00C002 | Wallonia | 193 m² | 1 · 104 m² | 9.9 m · 3 fl. |
| 52025A0328/00R013 | Wallonia | 109 m² | 1 · 39 m² | 5.4 m · 1 fl. |
| 52021B0132/00K005 | Wallonia | 97 m² | 1 · 31 m² | 7.5 m · 2 fl. |
| 52021B0133/00F003 | Wallonia | 96 m² | 1 · 40 m² | - |
| 52021B0132/00K003 | Wallonia | 40 m² | 1 · 26 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
8 of 9 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
L'ANCOLIE ATELIER FLORAL ET DECORATION
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BE 0477.971.458
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BLOOM FLEURISTE
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Bloem en Zo
BE 0826.296.577
Knokke-Heist · Eq €64,373
Of 3,386 companies in sector 47761 we hold annual accounts for 1,156. 861 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
Founded07-09-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
41001General construction of residential buildings
Contact
Website
www.floramaxfleurus.net
E-mail
fersini86@hotmail.com
Phone
+32493762878
Phone
+32470420336Fleurus
Scores and ratios are computed by Checked and are not a credit decision.