FLOREAL
ActiveSummary
FLOREAL has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €9k. Equity is shrinking by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 75% of 2198 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability49▲+47
Solvency89▲+1
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.67 against 2.59 in 2024; short-term debt: 36.5% and cash: 0.1% of total assets), and 36.5% 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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% 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
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
63.5%
Return on assets
7.3%
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 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
24 d early
2023
23 d late
2022
31 d late
2021
23 d late
2020
33 d early
2019
4 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
History
Financials · fiscal year 2025, abbreviated schema
Equity
€77k▲ 12.9%
2024 · €68k
Total assets
€122k▲ 11.4%
2024 · €109k
Net result
€9k
2024 · €-15k
Working capital
€74k▲ 14.7%
2024 · €65k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-182k€4k€16k▲ 292%€-17k€10k
Net result€-185k€3k€14k▲ 344%€-15k€9k
Equity€67k▼ 73.5%€70k▲ 4.6%€83k▲ 19.5%€68k▼ 18.0%€77k▲ 12.9%
Total assets€166k▼ 50.7%€153k▼ 7.6%€127k▼ 17.2%€109k▼ 14.1%€122k▲ 11.4%
Debt€99k▲ 16.6%€84k▼ 15.9%€44k▼ 47.9%€41k▼ 6.7%€44k▲ 9.0%
Working capital€63k▼ 12.3%€67k▲ 6.1%€79k▲ 18.2%€65k▼ 18.3%€74k▲ 14.7%
Staff (FTE)3=3.3▲ 10.0%3▼ 9.1%2.1▼ 30.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10k after a loss of €17k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€3k ▼ 16.2%
Current assets
€118k ▲ 12.5%
Equity and liabilities €122k
Equity
€77k ▲ 12.9%
Debt
€44k ▲ 9.0%
Debt's share of the balance-sheet total falls from 37.3% to 36.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k▲
2024 · €-16k
Cash flow
€11k▲
2024 · €-14k
Current ratio
2.67▲
2024 · 2.59
Debt to equity
0.57▼
2024 · 0.59
ROE
11.4%▲
2024 · -21.9%
ROA
7.3%▲
2024 · -13.8%
Interest coverage
2.55▲
2024 · -8.40
Debt ≤ 1 year
€44k▲
2024 · €41k
Income taxes
€141
Staff costs
€34k▼
2024 · €109k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €137k | €151k | €146k | €109k | €34k | ▼ 68.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €744 | €1k | €1k | €2k | ▲ 40.3% |
| Other operating charges640/8 | €176k | €674 | €348 | €692 | €524 | ▼ 24.2% |
| Gross operating margin9900 | €138k | €157k | €164k | €94k | €47k | ▼ 50.2% |
| Operating profit (loss)9901 | €-182k | €4k | €16k | €-17k | €10k | ▲ 161% |
| Financial income75/76B | €309 | €70 | €157 | €4k | €3k | ▼ 8.9% |
| Recurring financial income75 | €309 | €70 | €157 | €4k | €3k | ▼ 8.9% |
| Financial charges65/66B | €3k | €1k | €2k | €2k | €5k | ▲ 164% |
| Recurring financial charges65 | €3k | €1k | €2k | €2k | €5k | ▲ 164% |
| Profit (loss) for the period before taxes9903 | €-185k | €3k | €15k | €-15k | €9k | ▲ 160% |
| Income taxes67/77 | €376 | - | €1k | - | €141 | - |
| Profit (loss) for the period9904 | €-185k | €3k | €14k | €-15k | €9k | ▲ 159% |
| Profit (loss) for the period to be appropriated9905 | €-185k | €3k | €14k | €-15k | €9k | ▲ 159% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €166k | €153k | €127k | €109k | €122k | ▲ 11.4% |
| Fixed assets21/28 | €4k | €3k | €4k | €4k | €3k | ▼ 16.2% |
| Tangible fixed assets22/27 | €3k | €2k | €4k | €3k | €2k | ▼ 21.0% |
| Plant, machinery and equipment23 | €3k | €2k | €4k | €3k | €2k | ▼ 21.0% |
| Financial fixed assets28 | €888 | €888 | €888 | €888 | €888 | = |
| Current assets29/58 | €162k | €150k | €123k | €105k | €118k | ▲ 12.5% |
| Amounts receivable within one year40/41 | €125k | €131k | €107k | €104k | €117k | ▲ 12.7% |
| Trade receivables40 | €115k | €120k | €41k | €45k | €57k | ▲ 28.1% |
| Other amounts receivable41 | €10k | €11k | €66k | €60k | €60k | ▲ 1.2% |
| Cash at bank and in hand54/58 | €31k | €15k | €10k | €79 | €79 | = |
| Deferred charges and accrued income490/1 | €6k | €4k | €5k | €1k | €962 | ▼ 10.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €166k | €153k | €127k | €109k | €122k | ▲ 11.4% |
| Equity10/15 | €67k | €70k | €83k | €68k | €77k | ▲ 12.9% |
| Contributions10/11 | €62k | €62k | €62k | €62k | €62k | = |
| Capital10 | €62k | €62k | €62k | €62k | €62k | = |
| Issued capital100 | €62k | €62k | €62k | €62k | €62k | = |
| Reserves13 | €6k | €8k | €21k | €20k | €20k | = |
| Non-distributable reserves130/1 | €6k | €6k | €6k | €6k | €6k | = |
| Legal reserve130 | €6k | €6k | €6k | €6k | €6k | = |
| Distributable reserves133 | - | €2k | €15k | €14k | €14k | = |
| Profit (loss) carried forward14 | €-1k | - | - | €-13k | €-5k | ▲ 66.1% |
| Amounts payable17/49 | €99k | €84k | €44k | €41k | €44k | ▲ 9.0% |
| Amounts payable within one year42/48 | €99k | €84k | €44k | €41k | €44k | ▲ 9.0% |
| Current portion of amounts payable after more than one year42 | €2k | - | - | - | - | - |
| Financial debts43 | - | - | - | €8k | €25k | ▲ 232% |
| Credit institutions430/8 | - | - | - | €8k | €25k | ▲ 232% |
| Trade debts44 | €80k | €82k | €39k | €31k | €17k | ▼ 44.5% |
| Suppliers440/4 | €80k | €82k | €39k | €31k | €17k | ▼ 44.5% |
| Taxes, remuneration and social security45 | €17k | €2k | €5k | €2k | €2k | ▼ 5.8% |
| Taxes450/3 | €15k | €636 | €1k | €2k | €2k | ▼ 5.8% |
| Remuneration and social security454/9 | €3k | €912 | €3k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-185k | €3k | €14k | €-15k | €9k | ▲ 159% |
| + Depreciation and write-downs630 | €7k | €744 | €1k | €1k | €2k | ▲ 40.3% |
| Operating cash flow (approximation) | €-178k | €4k | €15k | €-14k | €11k | ▲ 180% |
| Investment in fixed assets (approximation) | - | €0 | €-3k | €-895 | €-1k | ▼ 56.1% |
| Change in cash | - | €-16k | €-5k | €-10k | €0 | ▲ 100% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Weakest financial yearnet €-185k
Net result drops to €-185k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €40k ▲2,382%
Operating result €56k, net result €40k, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
Show earlier events
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Damme · 1 establishment unit since 1990
Ground area
1,436 m²
Building footprint
242 m²
Volume, LiDAR
1,241 m³
Parcel 31432A0201/00E000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Moerkerkesteenweg 25, 8340 Damme
since 19902.050.358.185
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31432A0201/00E000 | Flanders | 1,436 m² | 1 · 242 m² | 7.5 m · 2 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.
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DE SAEGHER CONSTRUCTION
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,036. 13,200 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
Founded24-09-1990
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Scores and ratios are computed by Checked and are not a credit decision.