Florence Havenith
ActiveFlorence Havenith has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57k and a net result of €773. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 56% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability7▼-44
Solvency64▼-36
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.99 against 4.88 in 2024), and 58.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
41.9%
Return on assets
0.6%
Age of the figures
9 mo
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
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 09-04-2026, 113 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
113 d early
2024
12 d late
2023
27 d late
2023
19 d late
2022
23 d late
2021
30 d late
2020
36 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€57k▼ 50.9%
2024 · €116k
2019: €47k
2020: €53k
2021: €78k
2022: €102k
2023: €98k
2023: €104k
2024: €116k
2019 → 2025
Total assets
€136k▼ 3.1%
2024 · €141k
2019: €83k
2020: €88k
2021: €111k
2022: €121k
2023: €130k
2023: €125k
2024: €141k
2019 → 2025
Net result
€773▼ 93.5%
2024 · €12k
2019: €7k
2020: €7k
2021: €25k
2022: €17k
2023: €8k
2023: €7k
2024: €12k
2019 → 2025
Working capital
€-550
2024 · €57k
2019: €-4k
2020: €2k
2021: €25k
2022: €47k
2023: €41k
2023: €42k
2024: €57k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202320242025Trend
Equity€102k-€98k▼ 4.1%€104k▲ 7.2%€116k▲ 11.4%€57k▼ 50.9%
Operating result€22k-€10k▼ 52.8%€11k▲ 2.3%€17k▲ 64.4%€2k▼ 87.5%
Net result€17k-€8k▼ 56.6%€7k▼ 7.6%€12k▲ 70.4%€773▼ 93.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 88% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€63k▼ 9.0%
Current assets
€74k▲ 2.6%
Equity and liabilities €136k
Equity
€57k▼ 50.9%
Debt
€79k▲ 227%
The debt ratio rises from 17.2% to 58.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€15k▼
2024 · €26k
Cash flow
€14k▼
2024 · €20k
Solvency
41.9%▼
2024 · 82.8%
Current ratio
0.99▼
2024 · 4.88
Quick ratio
0.89▼
2024 · 4.54
Debt / equity
1.38▲
2024 · 0.21
ROE
1.4%▼
2024 · 10.2%
ROA
0.6%▼
2024 · 8.5%
Interest coverage
9.91▼
2024 · 21.63
Debt
€79k▲
2024 · €24k
Debt ≤ 1 year
€74k▲
2024 · €15k
Debt > 1 year
€5k▼
2024 · €9k
Income taxes
€83▼
2024 · €4k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€141k€136k▼
Fixed assets21/28€69k€63k▼
Tangible fixed assets22/27€69k€63k▼
Land and buildings22€27k€23k▼
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€15k€10k▼
Leasing and similar rights25€26k€30k▲
Current assets29/58€72k€74k▲
Stocks and contracts in progress3€5k€7k▲
Stocks30/36€5k€7k▲
Amounts receivable within one year40/41€5k€7k▲
Trade receivables40€2k€3k▲
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€60k€57k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€141k€136k▼
Equity10/15€116k€57k▼
Contributions10/11€19k€19k=
Reserves13€27k€17k▼
Distributable reserves133€27k€17k▼
Profit (loss) carried forward14€71k€22k▼
Amounts payable17/49€24k€79k▲
Amounts payable after more than one year17€9k€5k▼
Financial debts170/4€9k€5k▼
Amounts payable within one year42/48€15k€74k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Remuneration and social security454/9-€0
Other amounts payable47/48€300€61k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€882-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€13k▲
Other operating charges640/8€393€1k▲
Gross operating margin9900€26k€17k▼
Operating profit (loss)9901€17k€2k▼
Financial income75/76B€20€227▲
Recurring financial income75€20€227▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€16k€856▼
Income taxes67/77€4k€83▼
Profit (loss) for the period9904€12k€773▼
Profit (loss) for the period to be appropriated9905€12k€773▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€72k▼
Profit (loss) brought forward from the previous period14P€69k€71k▲
Transfer from equity791/2-€10k
Transfer to equity691/2€10k-
To other reserves6921€10k-
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €773 ▼93.5%
Net result drops to €773, the lowest in the series.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Equity above €100kEq €104k ▲7.2%
6 profitable years in a row build equity to €104k.
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
31-01
Financial
Equity above €100kEq €102k ▲30.1%
4 profitable years in a row build equity to €102k.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
31-01
Financial
Highest result since 2019net €25k ▲234%
Operating result €33k, net result €25k, both a record.
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 36 days late
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2018
18-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 18 days late
2017
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Villers-la-Ville · 1 establishment unit since 2013
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.
Chaussée de Namur 1221495 Villers-la-VilleGround area
1,067 m²
Building footprint
69 m²
Volume, LiDAR
645 m³
Parcel 25098G0003/00K000, Wallonia · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Namur 122, 1495 Villers-la-Ville
since 20132.221.623.464
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25098G0003/00K000 | Wallonia | 1,067 m² | 1 · 69 m² | 11.5 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.
Similar companies · same sector, comparable size
Bloemen PARI
BE 0694.695.489
Haacht · Eq €57k
ATELIER VIVALDI
BE 0472.522.137
Antwerpen · Eq €57k
Het BloemAtelier
BE 1017.699.056
Pelt · Eq €57k
HARDEMAN
BE 0720.869.752
Heuvelland · Eq €57k
YVON & LEON
BE 0720.517.681
Enghien · Eq €57k
Of 3,377 companies in sector 47761 we hold annual accounts for 1,153. 831 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-2013
Fiscal year end31-12
Activities, NACEBEL
47761Retail sale of flowers, plants, seeds and fertilisers
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.