FloriAst is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.84M and a net result of €82k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 50% of 9864 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-09-2025, 36 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
36 d late
2023
16 d late
2022
30 d late
2021
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€1.84M▲ 17.3%
2023 · €1.57M
2022: €1.59M
2023: €1.57M
2022 → 2024
Net result
€82k
2023 · €-20k
2022: €11k
2023: €-20k
2022 → 2024
Total assets
€3.33M▲ 23.4%
2023 · €2.70M
2022: €2.75M
2023: €2.70M
2022 → 2024
Solvency
55.2%▼ 2.9pp
2023 · 58.0%
2022: 57.7%
2023: 58.0%
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€1.59M-€1.57M▼ 1.3%€1.84M▲ 17.3%
Operating result€19k-€-7k€148k
Net result€11k-€-20k€82k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €148k after a loss of €7k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.33M
Fixed assets
€2.44M▼ 5.2%
Current assets
€895k▲ 589%
Equity and liabilities €3.33M
Equity
€1.84M▲ 17.3%
Provisions
€33k▲ 5.9%
Debt
€1.46M▲ 32.5%
The debt ratio rises from 40.8% to 43.8%. Equity and debt are higher.
Key figures and ratios
Solvency
55.2%▼
2023 · 58.0%
ROE
4.4%▲
2023 · -1.3%
ROA
2.5%▲
2023 · -0.7%
Debt
€1.46M▲
2023 · €1.10M
Debt ≤ 1 year
€238k▲
2023 · €220k
Debt > 1 year
€1.22M▲
2023 · €882k
Income taxes
€34k▲
2023 · €144
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.70M€3.33M▲
Fixed assets21/28€2.57M€2.44M▼
Tangible fixed assets22/27€2.39M€2.26M▼
Land and buildings22€2.35M€2.23M▼
Plant, machinery and equipment23€16k€9k▼
Furniture and vehicles24€28k€15k▼
Financial fixed assets28€180k€180k=
Current assets29/58€130k€895k▲
Amounts receivable within one year40/41€119k€846k▲
Trade receivables40€6k€37k▲
Other amounts receivable41€113k€810k▲
Cash at bank and in hand54/58€10k€46k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€2.70M€3.33M▲
Equity10/15€1.57M€1.84M▲
Contributions10/11€225k€415k▲
Revaluation surpluses12€999k€964k▼
Reserves13€358k€397k▲
Non-distributable reserves130/1€97k€97k=
Reserves not available under the articles1311€97k€97k=
Tax-exempt reserves132€180k€184k▲
Distributable reserves133€80k€116k▲
Profit (loss) carried forward14€-15k€63k▲
Provisions and deferred taxes16€31k€33k▲
Deferred taxes168€31k€33k▲
Amounts payable17/49€1.10M€1.46M▲
Amounts payable after more than one year17€882k€1.22M▲
Financial debts170/4€882k€1.22M▲
Amounts payable within one year42/48€220k€238k▲
Current portion of amounts payable after more than one year42€119k€149k▲
Trade debts44€37k€2k▼
Suppliers440/4€37k€2k▼
Taxes, remuneration and social security45€17k€53k▲
Taxes450/3€17k€52k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€47k€34k▼
Income statement
Code20232024
Non-recurring operating income76A-€12k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€100k€98k▼
Other operating charges640/8€32k€28k▼
Gross operating margin9900€124k€274k▲
Operating profit (loss)9901€-7k€148k▲
Financial income75/76B-€134
Recurring financial income75-€134
Financial charges65/66B€14k€31k▲
Recurring financial charges65€14k€31k▲
Profit (loss) for the period before taxes9903€-21k€117k▲
Transfer from deferred taxes780€1k€1k▲
Transfer to deferred taxes680-€3k
Income taxes67/77€144€34k▲
Profit (loss) for the period9904€-20k€82k▲
Transfer from tax-exempt reserves789€5k€5k▲
Transfer to tax-exempt reserves689-€9k
Profit (loss) for the period to be appropriated9905€-15k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€63k▲
Profit (loss) brought forward from the previous period14P-€-15k
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
2025
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 36 days late
2024
31-12
Financial
Back to profitnet €82k
Net result €82k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 3.76
Current ratio from 0.59 to 3.76.
16-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
31-12
Financial
Weakest financial yearnet €-20k ▼282%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ninove
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.
Ring-Oost 149400 NinoveGround area
8,785 m²
Building footprint
3,201 m²
Volume, LiDAR
17,225 m³
Parcel 41362B1913/00A000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41362B1913/00A000 | Flanders | 8,785 m² | 1 · 3,201 m² | 9.8 m · 2 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 11,156 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.