FLOREAC
ActiveSummary
FLOREAC has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.4m and a net result of -€912,536. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 63% of 4926 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability12▼-41
Solvency82=
Growth49=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €380,000 at 30 days acceptable
Liquidity ample (current ratio 2.08 against 2.03 in 2024; short-term debt: 40.3% and cash: 2.7% of total assets), and 42.8% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% 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
57.2%
Return on assets
-8.1%
Age of the figures
9 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
1819202122232425
2018 to 2025 · latest year -€912,536
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
65 d early
2023
37 d early
2022
60 d early
2021
61 d early
2020
65 d early
2019
52 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 57 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money Which other companies belong to the same group?Floré · 9 companies
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Financials · fiscal year 2025, full schema
In the rankings
#1 employer in Lochristi, Wholesale and retail trade sector#4 company by equity in Lochristi, Wholesale and retail trade sector#6 company by total assets in Lochristi, Wholesale and retail trade sector
Turnover
€72.7m▼ 0.7%
2024 · €73.2m
EBIT margin
-1.0%▼ 1.1pp
2024 · 0.1%
Net result
-€912,536▼ 1,128%
2024 · -€74,281
Working capital
€4.9m▼ 11.3%
2024 · €5.5m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale 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
Turnover€85.7m▲ 25.3%€84.4m▼ 1.6%€87.0m▲ 3.0%€73.2m▼ 15.9%€72.7m▼ 0.7%
Operating result€1.6m▲ 46.9%-€222,774-€267,352▼ 20.0%€41,344-€758,788
Net result€1.6mabove the sector's middle half▲ 42.5%€459,719within the sector's middle half▼ 71.4%€140,078within the sector's middle half▼ 69.5%-€74,281below the sector's middle half-€912,536below the sector's middle half▼ 1,128%
EBIT margin1.8%▲ 0.3pp-0.3%▼ 2.1pp-0.3%=0.1%▲ 0.4pp-1.0%▼ 1.1pp
Equity€6.8mabove the sector's middle half▲ 30.7%€7.3mabove the sector's middle half▲ 6.7%€7.4mabove the sector's middle half▲ 1.9%€7.4mabove the sector's middle half▼ 1.0%€6.4mabove the sector's middle half▼ 12.4%
Total assets€12.3mabove the sector's middle half▲ 49.2%€13.3mabove the sector's middle half▲ 8.1%€13.1mabove the sector's middle half▼ 1.5%€12.8mabove the sector's middle half▼ 2.2%€11.3mwithin the sector's middle half▼ 12.1%
Debt€5.4m▲ 83.2%€6.0m▲ 10.1%€5.7m▼ 5.5%€5.3m▼ 5.3%€4.5m▼ 15.1%
Working capital€5.6m▲ 16.4%€5.9m▲ 5.1%€5.7m▼ 3.8%€5.5m▼ 2.9%€4.9m▼ 11.3%
Solvency55.5%within the sector's middle half▼ 7.9pp54.8%within the sector's middle half▼ 0.7pp56.7%within the sector's middle half▲ 1.9pp57.4%within the sector's middle half▲ 0.7pp57.2%within the sector's middle half▼ 0.2pp
Staff (FTE)83.9above the sector's middle half▲ 10.2%82above the sector's middle half▼ 2.3%92above the sector's middle half▲ 12.2%86.8above the sector's middle half▼ 5.7%78.5above the sector's middle half▼ 9.6%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €758,788 after €41,344 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.3m
Fixed assets
€1.9m ▼ 6.1%
Current assets
€9.4m ▼ 13.2%
Equity and liabilities €11.3m
Equity
€6.4m ▼ 12.4%
Provisions
€287,467 ▲ 154%
Debt
€4.5m ▼ 15.1%
Debt's share of the balance-sheet total falls from 41.7% to 40.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€264,026▼
2024 · €384,450
Cash flow
-€417,774▼
2024 · €268,825
Current ratio
2.08▲
2024 · 2.03
Quick ratio
2.02▲
2024 · 1.98
Debt to equity
0.70▼
2024 · 0.73
ROE
-14.1%▼
2024 · -1.0%
ROA
-8.1%▼
2024 · -0.6%
Interest coverage
-3.47▼
2024 · 7.50
Debt ≤ 1 year
€4.5m▼
2024 · €5.3m
Income taxes
€14,793▼
2024 · €45,727
Staff costs
€6.0m▼
2024 · €6.9m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 815 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 96% are still going.
- Medium-sized
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
2.8%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 815 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 |
|---|---|---|---|---|---|---|
| Operating income70/76A | €85.8m | €84.6m | €87.4m | €73.3m | €72.8m | ▼ 0.6% |
| Turnover70 | €85.7m | €84.4m | €87.0m | €73.2m | €72.7m | ▼ 0.7% |
| Other operating income74 | €67,320 | €62,800 | €290,248 | €114,974 | €145,591 | ▲ 26.6% |
| Non-recurring operating income76A | €580 | €170,639 | €148,747 | €2,467 | €371 | ▼ 85.0% |
| Operating charges60/66A | €84.2m | €84.9m | €87.7m | €73.3m | €73.6m | ▲ 0.4% |
| Goods for resale, raw materials and consumables60 | €59.5m | €58.3m | €59.0m | €46.8m | €46.2m | ▼ 1.2% |
| Purchases600/8 | €59.4m | €58.5m | €58.8m | €46.8m | €46.2m | ▼ 1.3% |
| Change in stocks: decrease (increase)609 | €27,338 | -€226,528 | €251,570 | -€15,775 | -€3,889 | ▲ 75.3% |
| Services and other goods61 | €19.2m | €20.7m | €21.8m | €19.1m | €20.5m | ▲ 7.4% |
| Remuneration, social security and pensions62 | €5.4m | €5.5m | €6.6m | €6.9m | €6.0m | ▼ 12.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €163,603 | €205,326 | €248,668 | €343,106 | €494,762 | ▲ 44.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€5,000 | - | €5,414 | €35,942 | -€24,295 | ▼ 168% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | €100,000 | €0 | ▼ 100% |
| Other operating charges640/8 | €57,340 | €52,939 | €40,530 | €49,538 | €20,289 | ▼ 59.0% |
| Non-recurring operating charges66A | - | €189,117 | €2,310 | €0 | €397,134 | - |
| Operating profit (loss)9901 | €1.6m | -€222,774 | -€267,352 | €41,344 | -€758,788 | ▼ 1,935% |
| Financial income75/76B | €989,309 | €1.2m | €1.0m | €242,272 | €189,896 | ▼ 21.6% |
| Recurring financial income75 | €989,309 | €1.2m | €1.0m | €242,272 | €189,896 | ▼ 21.6% |
| Income from current assets751 | €18,633 | €22,626 | €74,987 | €91,612 | €62,419 | ▼ 31.9% |
| Other financial income752/9 | €970,676 | €1.2m | €938,612 | €150,660 | €127,477 | ▼ 15.4% |
| Financial charges65/66B | €355,002 | €315,855 | €489,640 | €323,311 | €339,992 | ▲ 5.2% |
| Recurring financial charges65 | €355,002 | €315,855 | €489,640 | €323,311 | €339,992 | ▲ 5.2% |
| Debt charges650 | €30,240 | €29,385 | €153,495 | €51,281 | €76,071 | ▲ 48.3% |
| Other financial charges652/9 | €324,761 | €286,470 | €336,145 | €272,030 | €263,921 | ▼ 3.0% |
| Profit (loss) for the period before taxes9903 | €2.2m | €677,586 | €256,607 | -€39,694 | -€908,884 | ▼ 2,190% |
| Transfer from deferred taxes780 | €11,141 | €11,141 | €11,141 | €11,141 | €11,141 | = |
| Income taxes67/77 | €619,804 | €229,008 | €127,670 | €45,727 | €14,793 | ▼ 67.7% |
| Taxes670/3 | €619,804 | €229,489 | €127,670 | €45,727 | €14,793 | ▼ 67.7% |
| Tax adjustments and reversals of tax provisions77 | - | €481 | - | - | - | - |
| Profit (loss) for the period9904 | €1.6m | €459,719 | €140,078 | -€74,281 | -€912,536 | ▼ 1,128% |
| Profit (loss) for the period to be appropriated9905 | €1.6m | €459,719 | €140,078 | -€74,281 | -€912,536 | ▼ 1,128% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €12.3m | €13.3m | €13.1m | €12.8m | €11.3m | ▼ 12.1% |
| Fixed assets21/28 | €1.3m | €1.4m | €1.8m | €2.0m | €1.9m | ▼ 6.1% |
| Intangible fixed assets21 | €49,939 | €133,084 | €448,632 | €791,827 | €728,422 | ▼ 8.0% |
| Tangible fixed assets22/27 | €477,096 | €544,476 | €583,047 | €423,390 | €367,344 | ▼ 13.2% |
| Land and buildings22 | €19,118 | - | - | - | - | - |
| Plant, machinery and equipment23 | €103,219 | €131,542 | €154,336 | €124,940 | €127,114 | ▲ 1.7% |
| Furniture and vehicles24 | €354,760 | €412,935 | €428,711 | €298,450 | €240,230 | ▼ 19.5% |
| Financial fixed assets28 | €758,052 | €758,252 | €758,152 | €758,152 | €758,152 | = |
| Affiliated companies280/1 | €737,927 | €737,927 | €737,927 | €737,927 | €737,927 | = |
| Participating interests280 | €737,927 | €737,927 | €737,927 | €737,927 | €737,927 | = |
| Other financial fixed assets284/8 | €20,125 | €20,325 | €20,225 | €20,225 | €20,225 | = |
| Shares284 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Amounts receivable and cash guarantees285/8 | €125 | €325 | €225 | €225 | €225 | = |
| Current assets29/58 | €11.0m | €11.9m | €11.3m | €10.9m | €9.4m | ▼ 13.2% |
| Stocks and contracts in progress3 | €263,704 | €490,232 | €238,662 | €250,733 | €254,622 | ▲ 1.6% |
| Stocks30/36 | €263,704 | €490,232 | €238,662 | €250,733 | €254,622 | ▲ 1.6% |
| Raw materials and consumables30/31 | €13,926 | €18,666 | €12,700 | €12,700 | €12,700 | = |
| Goods purchased for resale34 | €249,779 | €471,566 | €225,962 | €238,033 | €241,922 | ▲ 1.6% |
| Amounts receivable within one year40/41 | €9.8m | €10.6m | €10.5m | €8.1m | €6.9m | ▼ 14.8% |
| Trade receivables40 | €9.1m | €9.8m | €9.8m | €7.2m | €6.0m | ▼ 15.7% |
| Other amounts receivable41 | €710,234 | €835,026 | €679,347 | €904,727 | €841,615 | ▼ 7.0% |
| Current investments50/53 | - | - | - | €1.5m | €1.9m | ▲ 26.7% |
| Other investments51/53 | - | - | - | €1.5m | €1.9m | ▲ 26.7% |
| Cash at bank and in hand54/58 | €932,618 | €739,482 | €606,946 | €974,121 | €306,901 | ▼ 68.5% |
| Deferred charges and accrued income490/1 | - | - | - | €53,101 | €79,807 | ▲ 50.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €12.3m | €13.3m | €13.1m | €12.8m | €11.3m | ▼ 12.1% |
| Equity10/15 | €6.8m | €7.3m | €7.4m | €7.4m | €6.4m | ▼ 12.4% |
| Contributions10/11 | €3.7m | €3.7m | €3.7m | €3.7m | €3.7m | = |
| Capital10 | €3.7m | €3.7m | €3.7m | €3.7m | €3.7m | = |
| Issued capital100 | €3.9m | €3.9m | €3.9m | €3.9m | €3.9m | = |
| Uncalled capital101 | €161,621 | €161,621 | €161,621 | €161,621 | €161,621 | = |
| Reserves13 | €3.1m | €3.6m | €3.7m | €3.7m | €2.7m | ▼ 25.0% |
| Non-distributable reserves130/1 | €193,711 | €216,697 | €223,700 | €223,700 | €223,700 | = |
| Legal reserve130 | €193,711 | €216,697 | €223,700 | €223,700 | €223,700 | = |
| Distributable reserves133 | €2.9m | €3.4m | €3.5m | €3.4m | €2.5m | ▼ 26.6% |
| Provisions and deferred taxes16 | €46,457 | €35,316 | €24,176 | €113,035 | €287,467 | ▲ 154% |
| Provisions for liabilities and charges160/5 | - | - | - | €100,000 | €285,573 | ▲ 186% |
| Other liabilities and charges164/5 | - | - | - | €100,000 | €285,573 | ▲ 186% |
| Deferred taxes168 | €46,457 | €35,316 | €24,176 | €13,035 | €1,894 | ▼ 85.5% |
| Amounts payable17/49 | €5.4m | €6.0m | €5.7m | €5.3m | €4.5m | ▼ 15.1% |
| Amounts payable after more than one year17 | €11,200 | - | - | - | - | - |
| Financial debts170/4 | €11,200 | - | - | - | - | - |
| Leasing and similar obligations172 | €11,200 | - | - | - | - | - |
| Amounts payable within one year42/48 | €5.4m | €6.0m | €5.7m | €5.3m | €4.5m | ▼ 15.1% |
| Current portion of amounts payable after more than one year42 | €43,257 | €11,200 | - | - | - | - |
| Financial debts43 | €1.3m | €2.4m | - | - | - | - |
| Credit institutions430/8 | €1.3m | €2.4m | - | - | - | - |
| Trade debts44 | €2.2m | €2.4m | €3.9m | €3.4m | €3.2m | ▼ 6.9% |
| Suppliers440/4 | €2.2m | €2.4m | €3.9m | €3.4m | €3.2m | ▼ 6.9% |
| Taxes, remuneration and social security45 | €1.9m | €1.2m | €1.8m | €1.6m | €1.3m | ▼ 14.0% |
| Taxes450/3 | €949,092 | €177,019 | €511,745 | €371,440 | €466,164 | ▲ 25.5% |
| Remuneration and social security454/9 | €941,136 | €973,226 | €1.3m | €1.2m | €878,583 | ▼ 26.3% |
| Other amounts payable47/48 | - | - | - | €348,914 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | - | - | €3,750 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1.6m | €459,719 | €140,078 | -€74,281 | -€912,536 | ▼ 1,128% |
| + Depreciation and write-downs630 | €163,603 | €205,326 | €248,668 | €343,106 | €494,762 | ▲ 44.2% |
| Operating cash flow (approximation) | €1.8m | €665,045 | €388,746 | €268,825 | -€417,774 | ▼ 255% |
| Investment in fixed assets (approximation) | - | -€356,051 | -€602,688 | -€526,644 | -€375,310 | ▲ 28.7% |
| Change in cash | - | -€193,136 | -€132,536 | €367,174 | -€667,219 | ▼ 282% |
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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €1.6m ▲42.5%
Operating result €1.6m, net result €1.6m, both a record.
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €1.1m
Net result €1.1m after 2 loss-making years.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
24-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-05
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.
0 of 35 acts read
About the unread acts
We know of 35 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
35 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, Lochristi · 1 establishment unit since 2006
Ground area
12.0 ha
Building footprint
3.0 ha
Volume, LiDAR
266,067 m³
Parcel 44034B0745/00F000, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
FLOREAC
since 20062.155.193.807
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034B0745/00F000 | Flanders | 12.0 ha | 1 · 3.0 ha | 11.5 m · 3 fl. |
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
Part of the group
Floré
9 companies
Group, risk and exposure
Owners and holdings
1 owner · 1 holdingChain of control
- Floré
- FLOREAC
Highest known parent: Floré. The sources do not say who stands above it.
Owners 1
- FloréparentSourceLEI registerconsolidated
Holdings 1
-
100%
According to the 2025 annual accounts of FLOREAC 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
2024 to 2025 · 3 entries · 1,759 EUR awarded · 1,751 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 928 EUR | 920 EUR |
| 2024 | 1 | 831 EUR | 831 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteLochristi2.155.193.807
Legal Entity Identifier
549300X6OIJC84XJIJ84
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Rijmenants
BE 0421.162.716
Zandhoven · Eq €5,542,400
FLEUR
BE 0460.219.369
Zonnebeke · Eq €5,507,965
Of 552 companies in sector 46220 we hold annual accounts for 308. 74 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded23-06-1981
Fiscal year end31-12
Activities, NACEBEL 2025
46220Wholesale trade
01191Growing of flowers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0421712250
Also
9925:BE0421712250
Registered
28-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.