FLORIANO
ActiveFLORIANO has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €15k. Equity is growing by ~28.7% per year across the filed fiscal years. Its solvency ranks better than 16% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-5
Solvency38▲+3
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.07 against 1.94 in 2024; short-term debt: 47.3% of total assets), but 87.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
12.7%
Return on assets
3%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-04-2026, 68 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 · 7 filingsDeviation from the deadline
2025
68 d late
2024
40 d late
2022
220 d late
2020
310 d late
2019
676 d late
2018
1 d early
2017
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▲ 30.2%
2024 · €49k
2019: €94k
2020: €-55k
2022: €13k
2024: €49k
2019 → 2025
Total assets
€501k▲ 0.3%
2024 · €500k
2019: €415k
2020: €714k
2022: €498k
2024: €500k
2019 → 2025
Net result
€15k▼ 54.9%
2024 · €33k
2019: €18k
2020: €-149k
2022: €31k
2024: €33k
2019 → 2025
Working capital
€253k▲ 7.7%
2024 · €235k
2019: €293k
2020: €143k
2022: €213k
2024: €235k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202220242025Trend
Equity€94k-€-55k€13k€49k▲ 276%€64k▲ 30.2%
Operating result€22k-€-149k€32k€33k▲ 4.2%€15k▼ 54.6%
Net result€18k-€-149k€31k€33k▲ 4.5%€15k▼ 54.9%
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 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €501k
Fixed assets
€11k▼ 22.3%
Current assets
€490k▲ 1.0%
Equity and liabilities €501k
Equity
€64k▲ 30.2%
Provisions
€200k=
Debt
€237k▼ 5.2%
The debt ratio falls from 50.1% to 47.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▼
2024 · €34k
Cash flow
€18k▼
2024 · €34k
Solvency
12.7%▲
2024 · 9.8%
Current ratio
2.07▲
2024 · 1.94
Quick ratio
2.07▲
2024 · 1.94
Debt / equity
3.72▼
2024 · 5.11
ROE
23.2%▼
2024 · 67.0%
ROA
3.0%▼
2024 · 6.6%
Interest coverage
125.89▼
2024 · 461.24
Debt
€237k▼
2024 · €250k
Debt ≤ 1 year
€237k▼
2024 · €250k
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€500k€501k▲
Fixed assets21/28€14k€11k▼
Tangible fixed assets22/27€14k€11k▼
Furniture and vehicles24€14k€11k▼
Financial fixed assets28€90€90=
Current assets29/58€486k€490k▲
Amounts receivable within one year40/41€485k€490k▲
Trade receivables40€458k€459k▲
Other amounts receivable41€27k€31k▲
Cash at bank and in hand54/58€492-
Deferred charges and accrued income490/1€62-
Equity and liabilities
Total equity and liabilities10/49€500k€501k▲
Equity10/15€49k€64k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€29k€43k▲
Provisions and deferred taxes16€200k€200k=
Provisions for liabilities and charges160/5€200k€200k=
Environmental obligations163€200k€200k=
Amounts payable17/49€250k€237k▼
Amounts payable within one year42/48€250k€237k▼
Financial debts43-€17
Credit institutions430/8-€17
Trade debts44€144k€143k▼
Suppliers440/4€144k€143k▼
Taxes, remuneration and social security45€24k€37k▲
Taxes450/3€4k€4k=
Remuneration and social security454/9€20k€33k▲
Other amounts payable47/48€83k€57k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€72k
Other operating charges640/8€5k€1k▼
Gross operating margin9900€39k€91k▲
Operating profit (loss)9901€33k€15k▼
Financial charges65/66B€74€144▲
Recurring financial charges65€74€144▲
Profit (loss) for the period before taxes9903€33k€15k▼
Profit (loss) for the period9904€33k€15k▼
Profit (loss) for the period to be appropriated9905€33k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€43k▲
Profit (loss) brought forward from the previous period14P€-4k€29k▲
The notes to these accounts (5 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 · 68 days late
2025
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
30-06
Financial
Highest result since 2019net €33k ▲4.5%
Operating result €33k, net result €33k, both a record.
2023
08-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 220 days late
2022
30-06
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
2021
07-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 310 days late
07-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 676 days late
2020
30-06
Financial
Weakest financial yearnet €-149k ▼940%
Net result drops to €-149k, the lowest in the series; recovery starts the following year.
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Anderlecht · 1 establishment unit since 2015
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.
Bergense Steenweg 11271070 AnderlechtGround area
6,674 m²
Building footprint
1,240 m²
Volume, LiDAR
9,495 m³
2 parcels, Brussels · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
FLORIANO
since 20152.249.088.025
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306C0176/00M000 | Brussels | 6,502 m² | 1 · 1,071 m² | 10.4 m · 2 fl. |
| 21308H0693/00F006 | Brussels | 173 m² | 1 · 169 m² | 13.8 m · 4 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
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All2you
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BAERT-DESMEDT
BE 0457.067.166
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LYSMONT GRONDWERKEN
BE 0773.676.354
Sint-Truiden · Eq €64k
Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,579 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded20-10-2015
Fiscal year end30-06
Activities, NACEBEL
43120Site preparation
43230Insulation installation
43291Specialised construction activities
43422Screed work
53200Other postal and courier activities
81220Other building cleaning and industrial cleaning
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.