Floru Car Services
ActiveThe computed 12-month bankruptcy probability of Floru Car Services is 2.3% (moderate). The 2025 annual accounts show equity of €241k and a net result of €101k. Equity is growing by ~56.8% per year across the filed fiscal years. Its solvency ranks better than 76% of 712 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
100
/ 100
Excellent▲ +36 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+47
Growth78=
Stability94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 2.79 against 0.6 in 2024), and 34.7% 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
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
65.3%
Return on assets
27.3%
Age of the figures
8 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
85 d late
2022
31 d late
2021
30 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€241k▲ 71.6%
2024 · €140k
2021: €38k
2022: €63k
2023: €99k
2024: €140k
2021 → 2025
Total assets
€369k▲ 4.5%
2024 · €353k
2021: €323k
2022: €315k
2023: €296k
2024: €353k
2021 → 2025
Net result
€101k▲ 143%
2024 · €41k
2021: €23k
2022: €25k
2023: €36k
2024: €41k
2021 → 2025
Working capital
€122k
2024 · €-50k
2021: €-103k
2022: €-69k
2023: €-49k
2024: €-50k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€63k▲ 64.4%€99k▲ 57.3%€140k▲ 41.7%€241k▲ 71.6%
Operating result€30k-€33k▲ 10.0%€46k▲ 37.8%€58k▲ 27.3%€132k▲ 126%
Net result€23k-€25k▲ 5.8%€36k▲ 46.2%€41k▲ 14.4%€101k▲ 143%
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 has risen four years in a row; 2025 is 126% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €369k
Fixed assets
€179k▼ 35.9%
Current assets
€190k▲ 156%
Equity and liabilities €369k
Equity
€241k▲ 71.6%
Debt
€128k▼ 39.9%
The debt ratio falls from 60.2% to 34.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€235k▲
2024 · €173k
Cash flow
€204k▲
2024 · €156k
Solvency
65.3%▲
2024 · 39.8%
Current ratio
2.79▲
2024 · 0.60
Quick ratio
2.77▲
2024 · 0.59
Debt / equity
0.53▼
2024 · 1.51
ROE
41.7%▲
2024 · 29.4%
ROA
27.3%▲
2024 · 11.7%
Interest coverage
49.02▲
2024 · 27.39
Debt
€128k▼
2024 · €213k
Debt ≤ 1 year
€68k▼
2024 · €124k
Debt > 1 year
€60k▼
2024 · €89k
Income taxes
€26k▲
2024 · €11k
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€353k€369k▲
Fixed assets21/28€279k€179k▼
Tangible fixed assets22/27€279k€179k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€170k€148k▼
Leasing and similar rights25€79k-
Other tangible fixed assets26€24k€27k▲
Current assets29/58€74k€190k▲
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€48k€85k▲
Trade receivables40€44k€60k▲
Other amounts receivable41€3k€24k▲
Cash at bank and in hand54/58€2k€80k▲
Deferred charges and accrued income490/1€23k€24k▲
Equity and liabilities
Total equity and liabilities10/49€353k€369k▲
Equity10/15€140k€241k▲
Contributions10/11€15k€15k=
Reserves13€125k€226k▲
Distributable reserves133€125k€226k▲
Amounts payable17/49€213k€128k▼
Amounts payable after more than one year17€89k€60k▼
Financial debts170/4€89k€60k▼
Amounts payable within one year42/48€124k€68k▼
Current portion of amounts payable after more than one year42€67k€27k▼
Trade debts44€17k€22k▲
Suppliers440/4€17k€22k▲
Taxes, remuneration and social security45€16k€6k▼
Taxes450/3€6k€955▼
Remuneration and social security454/9€10k€5k▼
Other amounts payable47/48€24k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€115k€104k▼
Other operating charges640/8€5k€9k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€179k€246k▲
Operating profit (loss)9901€58k€132k▲
Financial income75/76B€536€14▼
Recurring financial income75€536€14▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€52k€127k▲
Income taxes67/77€11k€26k▲
Profit (loss) for the period9904€41k€101k▲
Profit (loss) for the period to be appropriated9905€41k€101k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€101k▲
Transfer to equity691/2€41k€101k▲
To other reserves6921€41k€101k▲
Social balance
Average headcount (FTE)9087-1.1
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2021net €101k ▲143%
Operating result €132k, net result €101k, both a record.
31-12
Financial
Liquidity times 5current ratio 2.79
Current ratio from 0.60 to 2.79; short-term debt falls from €124k to €68k.
31-12
Financial
Equity above €200kEq €241k ▲71.6%
5 profitable years in a row build equity to €241k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
31-12
Financial
Equity above €100kEq €140k ▲41.7%
4 profitable years in a row build equity to €140k.
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 85 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
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, Haaltert · 1 establishment unit since 2021
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.
Leistraat(HE) 289450 HaaltertGround area
763 m²
Building footprint
89 m²
Volume, LiDAR
567 m³
Parcel 41025A0531/00C002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Floru Car Services
since 20212.311.762.891
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41025A0531/00C002 | Flanders | 763 m² | 1 · 89 m² | 8.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 3,663 EUR awarded · 3,663 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 345 EUR | 345 EUR |
| 2024 | 1 | 318 EUR | 318 EUR |
| 2022 | 1 | 3,000 EUR | 3,000 EUR |
Schemes
Subsidies ecologisch en veilig transport (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,446 companies in sector 49410 we hold annual accounts for 8,085. 5,983 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2021
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
52210Service activities incidental to land transportation
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95319Other maintenance and repair of motor vehicles
45402
47830Retail sale of motorcycles and motorcycle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:florucarservices@gmail.com