FLORIVAL
ActiveSummary
FLORIVAL has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €177k and a net result of €6k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 4.62 against 6.39 in 2024; short-term debt: 13.4% and cash: 46.7% of total assets), and 13.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
86.6%
Return on assets
2.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
31 d late
2022
59 d late
2021
30 d early
2020
45 d late
2019
54 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€177k▲ 3.2%
2024 · €171k
2018: €67klowest in 8 years
2019: €69k▲ +3.0% vs 2018
2020: €122k▲ +75.8% vs 2019
2021: €137k▲ +12.4% vs 2020
2022: €153k▲ +11.3% vs 2021
2023: €159k▲ +4.4% vs 2022
2024: €171k▲ +7.6% vs 2023
2025: €177k▲ +3.2% vs 2024highest in 8 years
2018 → 2025
Total assets
€205k▲ 10.0%
2024 · €186k
2018: €82k
2019: €80k▼ -2.8% vs 2018lowest in 8 years
2020: €148k▲ +85.6% vs 2019
2021: €184k▲ +24.0% vs 2020
2022: €177k▼ -3.6% vs 2021
2023: €184k▲ +3.8% vs 2022
2024: €186k▲ +1.1% vs 2023
2025: €205k▲ +10.0% vs 2024highest in 8 years
2018 → 2025
Net result
€6k▼ 54.0%
2024 · €12k
2018: €5k
2019: €2k▼ -60.9% vs 2018lowest in 8 years
2020: €53k▲ +2533% vs 2019highest in 8 years
2021: €15k▼ -71.3% vs 2020
2022: €16k▲ +2.8% vs 2021
2023: €7k▼ -56.6% vs 2022
2024: €12k▲ +79.9% vs 2023
2025: €6k▼ -54.0% vs 2024
2018 → 2025
Working capital
€99k▲ 27.3%
2024 · €78k
2018: €42klowest in 8 years
2019: €49k▲ +16.3% vs 2018
2020: €102k▲ +109% vs 2019
2021: €114k▲ +11.8% vs 2020highest in 8 years
2022: €90k▼ -20.9% vs 2021
2023: €100k▲ +10.5% vs 2022
2024: €78k▼ -21.6% vs 2023
2025: €99k▲ +27.3% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€153k▲ 11.3%€159k▲ 4.4%€171k▲ 7.6%€177k▲ 3.2%
2021: €137klowest in 5 years
2022: €153k▲ +11.3% vs 2021
2023: €159k▲ +4.4% vs 2022
2024: €171k▲ +7.6% vs 2023
2025: €177k▲ +3.2% vs 2024highest in 5 years
Operating result€24k-€22k▼ 8.3%€13k▼ 42.5%€20k▲ 57.8%€10k▼ 51.5%
2021: €24khighest in 5 years
2022: €22k▼ -8.3% vs 2021
2023: €13k▼ -42.5% vs 2022
2024: €20k▲ +57.8% vs 2023
2025: €10k▼ -51.5% vs 2024lowest in 5 years
Net result€15k-€16k▲ 2.8%€7k▼ 56.6%€12k▲ 79.9%€6k▼ 54.0%
2021: €15k
2022: €16k▲ +2.8% vs 2021highest in 5 years
2023: €7k▼ -56.6% vs 2022
2024: €12k▲ +79.9% vs 2023
2025: €6k▼ -54.0% vs 2024lowest in 5 years
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 52% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €205k
Fixed assets
€78k ▼ 16.9%
Current assets
€127k ▲ 37.0%
Equity and liabilities €205k
Equity
€177k ▲ 3.2%
Debt
€27k ▲ 89.4%
Debt's share of the balance-sheet total rises from 7.8% to 13.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€26k▼
2024 · €31k
Cash flow
€22k▼
2024 · €23k
Current ratio
4.62▼
2024 · 6.39
Quick ratio
4.37▼
2024 · 5.95
Debt to equity
0.16▲
2024 · 0.08
ROE
3.1%▼
2024 · 7.1%
ROA
2.7%▼
2024 · 6.5%
Interest coverage
19.42▲
2024 · 17.58
Debt ≤ 1 year
€27k▲
2024 · €15k
Income taxes
€3k▼
2024 · €6k
Staff costs
€106k▲
2024 · €103k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€186k€205k▲
Fixed assets21/28€93k€78k▼
Tangible fixed assets22/27€93k€77k▼
Plant, machinery and equipment23€8k€7k▼
Furniture and vehicles24€41k€33k▼
Other tangible fixed assets26€43k€37k▼
Financial fixed assets28€538€538=
Current assets29/58€93k€127k▲
Stocks and contracts in progress3€6k€7k▲
Stocks30/36€6k€7k▲
Amounts receivable within one year40/41€21k€24k▲
Trade receivables40€16k€13k▼
Other amounts receivable41€5k€10k▲
Cash at bank and in hand54/58€64k€96k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€186k€205k▲
Equity10/15€171k€177k▲
Contributions10/11€19k€19k=
Reserves13€98k€104k▲
Tax-exempt reserves132€1k€1k=
Distributable reserves133€97k€102k▲
Profit (loss) carried forward14€55k€55k▲
Amounts payable17/49€15k€27k▲
Amounts payable within one year42/48€15k€27k▲
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€10k€22k▲
Taxes450/3€3k€7k▲
Remuneration and social security454/9€7k€15k▲
Income statement
Code20242025
Remuneration, social security and pensions62€103k€106k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€17k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€135k€134k▼
Operating profit (loss)9901€20k€10k▼
Financial income75/76B€274€219▼
Recurring financial income75€274€219▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€19k€9k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€12k€6k▼
Profit (loss) for the period to be appropriated9905€12k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€60k▼
Profit (loss) brought forward from the previous period14P€55k€55k=
Transfer to equity691/2€12k€6k▼
To other reserves6921€12k€6k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €81k | €94k | €101k | €103k | €106k | ▲ 3.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €5k | €8k | €11k | €17k | ▲ 52.5% |
| Other operating charges640/8 | €2k | €2k | €1k | €1k | €1k | ▲ 2.6% |
| Gross operating margin9900 | €115k | €123k | €123k | €135k | €134k | ▼ 0.9% |
| Operating profit (loss)9901 | €24k | €22k | €13k | €20k | €10k | ▼ 51.5% |
| Financial income75/76B | €54 | €13 | €137 | €274 | €219 | ▼ 20.3% |
| Recurring financial income75 | €54 | €13 | €137 | €274 | €219 | ▼ 20.3% |
| Financial charges65/66B | €3k | €3k | €2k | €2k | €1k | ▼ 23.0% |
| Recurring financial charges65 | €3k | €3k | €2k | €2k | €1k | ▼ 23.0% |
| Profit (loss) for the period before taxes9903 | €21k | €19k | €10k | €19k | €9k | ▼ 53.8% |
| Income taxes67/77 | €6k | €4k | €4k | €6k | €3k | ▼ 53.3% |
| Profit (loss) for the period9904 | €15k | €16k | €7k | €12k | €6k | ▼ 54.0% |
| Profit (loss) for the period to be appropriated9905 | €15k | €16k | €7k | €12k | €6k | ▼ 54.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €184k | €177k | €184k | €186k | €205k | ▲ 10.0% |
| Fixed assets21/28 | €23k | €62k | €60k | €93k | €78k | ▼ 16.9% |
| Tangible fixed assets22/27 | €23k | €62k | €59k | €93k | €77k | ▼ 17.0% |
| Plant, machinery and equipment23 | €14k | €12k | €10k | €8k | €7k | ▼ 18.1% |
| Furniture and vehicles24 | - | - | - | €41k | €33k | ▼ 20.0% |
| Other tangible fixed assets26 | €9k | €50k | €49k | €43k | €37k | ▼ 13.9% |
| Financial fixed assets28 | €538 | €538 | €538 | €538 | €538 | = |
| Current assets29/58 | €161k | €115k | €124k | €93k | €127k | ▲ 37.0% |
| Stocks and contracts in progress3 | €6k | €6k | €7k | €6k | €7k | ▲ 8.0% |
| Stocks30/36 | €6k | €6k | €7k | €6k | €7k | ▲ 8.0% |
| Amounts receivable within one year40/41 | €23k | €27k | €17k | €21k | €24k | ▲ 12.3% |
| Trade receivables40 | €12k | €24k | €14k | €16k | €13k | ▼ 19.6% |
| Other amounts receivable41 | €11k | €4k | €3k | €5k | €10k | ▲ 123% |
| Cash at bank and in hand54/58 | €132k | €79k | €99k | €64k | €96k | ▲ 48.6% |
| Deferred charges and accrued income490/1 | €95 | €2k | €104 | €1k | €1k | ▲ 0.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €184k | €177k | €184k | €186k | €205k | ▲ 10.0% |
| Equity10/15 | €137k | €153k | €159k | €171k | €177k | ▲ 3.2% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €64k | €79k | €86k | €98k | €104k | ▲ 5.6% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Tax-exempt reserves132 | €1k | €1k | €1k | €1k | €1k | = |
| Distributable reserves133 | €61k | €76k | €85k | €97k | €102k | ▲ 5.7% |
| Profit (loss) carried forward14 | €55k | €55k | €55k | €55k | €55k | ▲ 0.1% |
| Amounts payable17/49 | €47k | €25k | €25k | €15k | €27k | ▲ 89.4% |
| Amounts payable within one year42/48 | €47k | €25k | €25k | €15k | €27k | ▲ 89.4% |
| Trade debts44 | €11k | €8k | €7k | €4k | €6k | ▲ 35.8% |
| Suppliers440/4 | €11k | €8k | €7k | €4k | €6k | ▲ 35.8% |
| Taxes, remuneration and social security45 | €35k | €17k | €17k | €10k | €22k | ▲ 110% |
| Taxes450/3 | €21k | €3k | €670 | €3k | €7k | ▲ 111% |
| Remuneration and social security454/9 | €14k | €14k | €17k | €7k | €15k | ▲ 110% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15k | €16k | €7k | €12k | €6k | ▼ 54.0% |
| + Depreciation and write-downs630 | €8k | €5k | €8k | €11k | €17k | ▲ 52.5% |
| Operating cash flow (approximation) | €23k | €20k | €15k | €23k | €22k | ▼ 3.7% |
| Investment in fixed assets (approximation) | - | €-44k | €-5k | €-44k | €-742 | ▲ 98.3% |
| Change in cash | - | €-53k | €20k | €-35k | €31k | ▲ 189% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Equity above €150kEq €153k ▲11.3%
5 profitable years in a row build equity to €153k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 45 days late
2020
31-12
Financial
Highest result since 2018net €53k ▲2,533%
Operating result €71k, net result €53k, both a record.
31-12
Financial
Equity above €100kEq €122k ▲75.8%
3 profitable years in a row build equity to €122k.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
31-12
Financial
Weakest financial yearnet €2k ▼60.9%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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 1981
Ground area
169 m²
Building footprint
92 m²
Volume, LiDAR
719 m³
Parcel 11303C0233/00V003, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HENDERICKX
since 19812.018.251.383
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303C0233/00V003 | Flanders | 168 m² | 1 · 92 m² | 12.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 3,386 companies in sector 47761 we hold annual accounts for 1,156. 922 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-12-1980
Fiscal year end31-12
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
47784Retail sale of souvenirs and religious articles
Scores and ratios are computed by Checked and are not a credit decision.