FLORENT OLIVIER
ActiveSummary
The computed 12-month bankruptcy probability of FLORENT OLIVIER is 2.2% (moderate). The 2025 annual accounts show equity of €85k and a net result of €48k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 38% of 456 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
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-2
Solvency57▼-4
Growth59=
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 2.24 in 2024; short-term debt: 35.3% and cash: 49.6% of total assets), but 68.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 81
Relative position
BE, all sectors
reference
Sector 81
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
31.6%
Return on assets
17.8%
Age of the figures
9 mo
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 08-05-2026, 84 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
84 d early
2024
90 d early
2023
85 d early
2022
80 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€264k▲ 13.3%
2023 · €233k
2022: €211k
2023: €233k
2022 → 2024
EBIT margin
18.1%▲ 3.3pp
2023 · 14.8%
2022: 33.6%
2023: 14.8%
2022 → 2024
Net result
€48k▲ 26.0%
2024 · €38k
2022: €57k
2023: €30k
2024: €38k
2022 → 2025
Working capital
€54k▼ 11.6%
2024 · €61k
2022: €45k
2023: €50k
2024: €61k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€211k-€233k▲ 10.1%€264k▲ 13.3%
Equity€48k-€65k▲ 35.4%€84k▲ 29.6%€85k▲ 1.0%
Operating result€71k-€35k▼ 51.3%€48k▲ 38.2%€61k▲ 27.6%
Net result€57k-€30k▼ 47.4%€38k▲ 26.8%€48k▲ 26.0%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 28% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €269k
Fixed assets
€121k ▼ 0.9%
Current assets
€149k ▲ 35.6%
Equity and liabilities €269k
Equity
€85k ▲ 1.0%
Debt
€184k ▲ 25.2%
Debt's share of the balance-sheet total rises from 63.5% to 68.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€79k▲
2024 · €67k
Cash flow
€66k▲
2024 · €57k
Current ratio
1.56▼
2024 · 2.24
Debt to equity
2.16▲
2024 · 1.74
ROE
56.2%▲
2024 · 45.1%
ROA
17.8%▲
2024 · 16.4%
Interest coverage
12.88▼
2024 · 13.34
Debt ≤ 1 year
€95k▲
2024 · €49k
Debt > 1 year
€89k▼
2024 · €98k
Income taxes
€7k▲
2024 · €5k
Staff costs
€93k▲
2024 · €55k
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 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€231k€269k▲
Fixed assets21/28€122k€121k▼
Tangible fixed assets22/27€119k€118k▼
Land and buildings22€77k€73k▼
Plant, machinery and equipment23€18k€10k▼
Furniture and vehicles24€24k€35k▲
Financial fixed assets28€3k€3k=
Current assets29/58€110k€149k▲
Amounts receivable within one year40/41€8k€9k▲
Other amounts receivable41€8k€9k▲
Cash at bank and in hand54/58€100k€134k▲
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€231k€269k▲
Equity10/15€84k€85k▲
Contributions10/11€4k€4k=
Capital10€4k-
Issued capital100€4k-
Reserves13€54k€54k=
Distributable reserves133€54k€54k=
Profit (loss) carried forward14€26k€27k▲
Amounts payable17/49€147k€184k▲
Amounts payable after more than one year17€98k€89k▼
Financial debts170/4€98k€89k▼
Amounts payable within one year42/48€49k€95k▲
Current portion of amounts payable after more than one year42€22k€27k▲
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€8k€25k▲
Taxes450/3€4k€14k▲
Remuneration and social security454/9€4k€11k▲
Other amounts payable47/48€15k€40k▲
Income statement
Code20242025
Turnover70€264k-
Goods, raw materials, services and sundry goods60/61€140k-
Remuneration, social security and pensions62€55k€93k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€18k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€124k€174k▲
Operating profit (loss)9901€48k€61k▲
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€43k€55k▲
Income taxes67/77€5k€7k▲
Profit (loss) for the period9904€38k€48k▲
Profit (loss) for the period to be appropriated9905€38k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€64k€74k▲
Profit (loss) brought forward from the previous period14P€26k€26k▲
Transfer to equity691/2€19k-
To other reserves6921€19k-
Profit to be distributed694/7€19k€47k▲
Return on contributions (dividend)694€19k€47k▲
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (10 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
08-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
02-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
07-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €30k ▼47.4%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
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, Rumes · 1 establishment unit since 2022
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.
Rue du Bas-Préau(LG) 307611 RumesGround area
3,889 m²
Building footprint
396 m²
Volume, LiDAR
1,981 m³
2 parcels, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FLORENT OLIVIER
since 20222.326.603.101
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57039A0339/00B002 | Wallonia | 2,039 m² | 1 · 260 m² | 8.8 m · 2 fl. |
| 57043C0943/00K000 | Wallonia | 1,850 m² | 1 · 136 m² | 6.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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
VAN DIEREN SERVICES
BE 0478.241.870
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Libra Services
BE 0821.391.545
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Cleaning Zoë
BE 0886.955.132
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GCT
BE 0799.944.251
Denderleeuw · Eq €85,013
TOP SHINE
BE 0632.908.865
Manage · Eq €85,000
Of 7,013 companies in sector 81220 we hold annual accounts for 2,416. 2,036 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
81220Other building cleaning and industrial cleaning
43910Bricklaying and masonry work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.florent-rejointoyage.be
E-mail:florent.olivier@outlook.be