Floria
ActiveFloria has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €293k and a net result of €21k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 82% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-18
Solvency100▲+16
Growth85=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 3.42 against 3.99 in 2024; short-term debt: 20.9% and cash: 42.4% of total assets), and 23.1% of the assets are financed with debt.
Credit advice 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
76.9%
Return on assets
5.6%
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 22-07-2026, 9 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
9 d early
2024
41 d late
2023
37 d late
2022
71 d late
2021
75 d late
2020
27 d late
2019
28 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.30M▲ 34.0%
2023 · €973k
2021: €467k
2022: €361k
2023: €973k
2021 → 2024
EBIT margin
10.3%▲ 4.7pp
2023 · 5.6%
2021: 2.2%
2022: 4.5%
2023: 5.6%
2021 → 2024
Net result
€21k▼ 77.7%
2024 · €96k
2018: €7k
2019: €13k
2020: €37k
2021: €8k
2022: €11k
2023: €40k
2024: €96k
2018 → 2025
Working capital
€192k▼ 15.9%
2024 · €229k
2018: €154k
2019: €185k
2020: €212k
2021: €198k
2022: €206k
2023: €169k
2024: €229k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€467k-€361k▼ 22.6%€973k▲ 170%€1.30M▲ 34.0%
Equity€255k-€266k▲ 4.2%€206k▼ 22.6%€292k▲ 41.6%€293k▲ 0.5%
Operating result€10k-€16k▲ 55.3%€55k▲ 237%€135k▲ 145%€32k▼ 76.5%
Net result€8k-€11k▲ 43.1%€40k▲ 269%€96k▲ 140%€21k▼ 77.7%
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 falls in 2025; 2025 is 77% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €381k
Fixed assets
€109k▼ 41.1%
Current assets
€272k▼ 10.9%
Equity and liabilities €381k
Equity
€293k▲ 0.5%
Debt
€88k▼ 55.6%
The debt ratio falls from 40.5% to 23.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€117k▼
2024 · €248k
Cash flow
€107k▼
2024 · €209k
Solvency
76.9%▲
2024 · 59.5%
Current ratio
3.42▼
2024 · 3.99
Quick ratio
3.42▼
2024 · 3.99
Debt / equity
0.30▼
2024 · 0.68
ROE
7.3%▼
2024 · 32.8%
ROA
5.6%▼
2024 · 19.5%
Interest coverage
186.31▼
2024 · 229.75
Debt
€88k▼
2024 · €199k
Debt ≤ 1 year
€80k▲
2024 · €77k
Income taxes
€10k▼
2024 · €37k
Staff costs
€33k▼
2024 · €39k
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€491k€381k▼
Fixed assets21/28€185k€109k▼
Tangible fixed assets22/27€185k€109k▼
Plant, machinery and equipment23€43k€31k▼
Furniture and vehicles24€142k€79k▼
Current assets29/58€305k€272k▼
Amounts receivable within one year40/41€189k€109k▼
Trade receivables40€135k€60k▼
Other amounts receivable41€54k€49k▼
Cash at bank and in hand54/58€116k€162k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€491k€381k▼
Equity10/15€292k€293k▲
Contributions10/11€9k€9k=
Reserves13€167k€167k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€165k€165k=
Profit (loss) carried forward14€115k€117k▲
Amounts payable17/49€199k€88k▼
Amounts payable within one year42/48€77k€80k▲
Trade debts44€40k€29k▼
Suppliers440/4€40k€29k▼
Taxes, remuneration and social security45€37k€50k▲
Taxes450/3€37k€46k▲
Remuneration and social security454/9-€4k
Accrued charges and deferred income492/3€122k€9k▼
Income statement
Code20242025
Turnover70€1.30M-
Non-recurring operating income76A-€1k
Goods, raw materials, services and sundry goods60/61€1.01M-
Remuneration, social security and pensions62€39k€33k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€113k€86k▼
Other operating charges640/8€7k€9k▲
Non-recurring operating charges66A-€8k
Gross operating margin9900€293k€167k▼
Operating profit (loss)9901€135k€32k▼
Financial income75/76B€1k-
Recurring financial income75€1k-
Non-recurring financial income76B€1k-
Financial charges65/66B€3k€630▼
Recurring financial charges65€1k€630▼
Non-recurring financial charges66B€2k-
Profit (loss) for the period before taxes9903€132k€31k▼
Income taxes67/77€37k€10k▼
Profit (loss) for the period9904€96k€21k▼
Profit (loss) for the period to be appropriated9905€96k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€210k€137k▼
Profit (loss) brought forward from the previous period14P€115k€115k▲
Transfer to equity691/2€95k€20k▼
To other reserves6921€95k€20k▼
The notes to these accounts (8 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 41 days late
2024
31-12
Financial
Highest result since 2018net €96k ▲140%
Operating result €135k, net result €96k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.99
Current ratio from 1.94 to 3.99; short-term debt falls from €180k to €77k.
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 37 days late
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 37 days late
2023
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 8.97
Current ratio from 3.01 to 8.97; short-term debt falls from €99k to €26k.
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Equity above €200kEq €210k ▲8%
2 profitable years in a row build equity to €210k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro 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, Antwerpen · 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.
Maria de Heeltstraat 22100 AntwerpenGround area
4,075 m²
Building footprint
364 m²
Volume, LiDAR
6,476 m³
Parcel 11342A0210/00W000, Flanders · tallest building 21.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Maria de Heeltstraat 2, 2100 Antwerpen
since 20132.221.008.505
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11342A0210/00W000 | Flanders | 4,074 m² | 1 · 364 m² | 21.1 m · 6 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
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CUYPERS Marc
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S.D.S BOUWWERKEN
BE 0875.069.266
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SNOECK
BE 0417.927.072
Pajottegem · Eq €286k
Of 1,365 companies in sector 43110 we hold annual accounts for 632. 469 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-2013
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43110Demolition
43120Site preparation
43221Plumbing work
43230Insulation installation
43291Specialised construction activities
43350Other building finishing work
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.