Turnover
≈ €190,000 estimated
The micro format states no turnover.
FLOVATERC
Overview
Lifetime
1 annual account with figurespeak €59,354 (2025)
€59,354
lowest -€1,605 (2025)
-€1,605
peak €2,395 (2025)
€2,395
€336,344
Board2 names since 2024
2 directorsTERCELIN de JOIGNY de PAMELE Nicolas Amaury Marie Joseph and 1 other
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Loss of €1,605First year with figures
Key points
from the 2025 annual accountsDebts
€336,344 99% of the balance sheet
Financial debts 16%Suppliers 1%Taxes and wages 1%Other 82%
Of this, €282,448 falls due within a year.
Position in the sector
0.7%
Lower solvency than 87% of companies in building services and landscaping. Sector median 40.5% · 5,728 companies.
2025 accounts filed 31 days after the deadline
Checked score
50
Fair
Financially stronger than 17% of micro companies in building services and landscaping (NACE 81)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.9% across 7,709 companies (NACE 81, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 1.9%lowest value
01-2026: 2.0%▲ +0.1 percentage points vs 12-2025
02-2026: 2.0%● unchanged vs 01-2026
03-2026: 2.4%▲ +0.4 percentage points vs 02-2026
04-2026: 2.5%▲ +0.1 percentage points vs 03-2026
05-2026: 2.8%▲ +0.3 percentage points vs 04-2026
06-2026: 3.1%▲ +0.3 percentage points vs 05-2026highest value
07-2026: 3.1%● unchanged vs 06-2026highest value
08-2026: 3.0%▼ -0.1 percentage points vs 07-2026
09-2026: 2.6%▼ -0.4 percentage points vs 08-2026
10-2026: 2.7%▲ +0.1 percentage points vs 09-2026
11-2026: 2.7%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Founded in 2024
Sector: Services to buildings and landscape activities (NACE 81)
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
lowers risk
Size: total assets €338,739
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 81, micro). It does better than 11% of them on solvency, 7% on liquidity and 32% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 280 companies had the same profile as FLOVATERC has now. Each dot is one company, two years later.
95.7%
were still trading
3.2%
stopped another way
1.1%
went bankrupt
The bankruptcy probability of FLOVATERC itself is higher: 2.7% within 12 months. It rests on far more data about FLOVATERC than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 280 companies, not a prediction for FLOVATERC. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 5728 sector peers (2025).
NBB · sector comparisonPosition among 5728 sector peers
Solvency
better than 13%
← weakest
strongest →
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
31 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- TERCELIN de JOIGNY de PAMELE Nicolas Amaury Marie Joseph 20 sharesdeed of 19-11-2024
- VAN ASSCHE Florence Danielle Claude Evelyne 20 sharesdeed of 19-11-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016248016
Incorporation
Founding capital of €4,000, 40 shares · Founders: TERCELIN de JOIGNY de PAMELE Nicolas Amaury Marie Joseph and VAN ASSCHE Florence Danielle Claude Evelyne · Appointments: TERCELIN de JOIGNY de PAMELE Nicolas Amaury Marie Joseph (director) and VAN ASSCHE Florence Danielle Claude Evelyne (director) · published on 19-11-2024 · Gazette deed
First establishment
Avenue des Frères Fleischman 51, Waterloo
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FLOVATERC Waterloo | €338,739 | €59,354 | 0.7% | - |
| Gert Dendermonde | €338,223 | €51,059 | 1.2% | - |
| JRJDS OUTDOOR DESIGN Chastre | €312,310 | €68,611 | 7.1% | - |
| LOUIS SCHOUTEDE Theux | €384,954 | €67,687 | 0.8% | - |
| SB-Tuinondernemingen Oostkamp | €300,897 | €77,225 | 7.6% | - |
| Jevagro Oudenaarde | €272,017 | €75,530 | 16.2% | - |
| AMENAGEMENTS TOM WILLEMS Wasseiges | €346,659 | €88,786 | 25.3% | - |
These companies have the same main activity as FLOVATERC: landscape service activities (NACE 81300). They are comparable in size and age: total assets between €272,000 and €385,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 15-11-2024Normal situation
- Activity
- Landscape service activitiesNACE 81300and 2 others
- Establishment unit
- 2.366.937.6791410 Waterloo, since 15-11-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 22-01-2026
Insights on FLOVATERC
The computed 12-month bankruptcy probability of FLOVATERC is 2.7% (moderate). The 2025 annual accounts show equity of €2,395 and a net result of -€1,605.
Its solvency ranks better than 13% of 5,728 sector peers (NACE 81, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-08-2026, 31 days late€59,354
€2,018
-€1,605
-€257,754
0.7%
0.09
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €190,000. Estimated: probably between €110,000 and €260,000.
Balance sheet
balance sheet total €338,739 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
0.7%
Higher than 13% of 5,728 companies in 2025.
0.09
Lower than 95% of 5,589 companies in 2025.
-0.5%
Higher than 23% of 5,615 companies in 2025.
FLOVATERC
Middle half of the sector
80% of the sector
Micro accounts in building services and landscaping (NACE 81)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: top quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
338,739 | |
21/28 |
314,045 | |
22/27 |
314,045 | |
22 |
265,483 | |
24 |
21,910 | |
25 |
26,653 | |
29/58 |
24,694 | |
40/41 |
4,558 | |
40 |
1,823 | |
41 |
2,735 | |
54/58 |
17,222 | |
490/1 |
2,914 | |
| Balance sheet: equity and liabilities | ||
10/49 |
338,739 | |
10/15 |
2,395 | |
10/11 |
4,000 | |
14 |
-1,605 | |
17/49 |
336,344 | |
17 |
53,896 | |
170/4 |
53,896 | |
42/48 |
282,448 | |
42 |
8,732 | |
44 |
2,697 | |
440/4 |
2,697 | |
45 |
3,378 | |
450/3 |
3,378 | |
47/48 |
267,640 | |
| Income statement | ||
9900 |
59,354 | |
630 |
54,533 | |
640/8 |
2,803 | |
9901 |
2,018 | |
75/76B |
1 | |
75 |
1 | |
65/66B |
1,927 | |
65 |
1,927 | |
9903 |
92 | |
67/77 |
1,697 | |
9904 |
-1,605 | |
9905 |
-1,605 | |
| Appropriation of the result | ||
9906 |
-1,605 | |
| Document | ||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00475442.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00475442 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 56,551 | ||
| 52,928 | ||
| 368,578 | ||
| -257,754 | ||
| 0.7% | ||
| 0.09 | ||
| -67.0% | ||
| -0.5% | ||
| 29.34 |
A ratio outside any meaningful range has been withheld (balance sheet total €338,739, equity €2,395).
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €368,578 |
| €54,533 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on FLOVATERC
Debt's share of the balance-sheet total is 99.3%.
Board & ownership
Board
2 directors, since incorporationDirector (not named in the articles)
since 15-11-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 31-08-2026
Director (not named in the articles)
since 15-11-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 31-08-2026
Mandates through the years
2 names, the dashed line is todayTERCELIN de JOIGNY de PAMELE Nicolas Amaury Marie Joseph
Director (not named in the articles)
Director (not named in the articles)
VAN ASSCHE Florence Danielle Claude Evelyne
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- TERCELIN de JOIGNY de PAMELE Nicolas Amaury Marie Joseph
- Director (not named in the articles), from 15-11-2024 to date
- VAN ASSCHE Florence Danielle Claude Evelyne
- Director (not named in the articles), from 15-11-2024 to date
Control
Founders
This company
FLOVATERC
Equity €2,395
Loss €1,605 in 2025
Capital
- Contribution
- €4,000
- Shares
- 40
- Contribution per share
- €100
- Equity per share
- €59.88 in 2025
- Source
- deed of 19-11-2024
Articles of association
deed of 19-11-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Mentionné dans notification initiale ou,en contestation,fixé par expert choisi de commun accord ou,à défaut,par président du tribunal de…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 19:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Shareholders
At incorporation
deed of 19-11-2024 ↗
- TERCELIN de JOIGNY de PAMELE Nicolas Amaury Marie Joseph 20 shares (50%) · €2,000
- VAN ASSCHE Florence Danielle Claude Evelyne 20 shares (50%) · €2,000
Network & group
No group
FLOVATERC has no parent and no holdings in its annual accounts. FLOVATERC shares no director with another company.
At the same address
Avenue des Frères Fleischman 51, 1410 Waterloo · 1 other company| Van Assche, Florence (sole trader)
establishment since 01-10-2018 |
founded in 2018 0767.402.038 |
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 31 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:1016248016
2024
IncorporationFounding capital of €4,000, 40 shares · Founders: TERCELIN de JOIGNY de PAMELE Nicolas Amaury Marie Joseph and VAN ASSCHE Florence Danielle Claude Evelyne · Appointments: TERCELIN de JOIGNY de PAMELE Nicolas Amaury Marie Joseph (director) and VAN ASSCHE Florence Danielle Claude Evelyne (director) · published on 19-11-20247 points ▸
- Registered office clause, Avenue des Frères Fleischman 51, 1410 Waterloo
- Board rule, 2
- Director appointment, TERCELIN de JOIGNY de PAMELE Nicolas Amaury Marie Joseph (director (not named in the articles))
- Director appointment, VAN ASSCHE Florence Danielle Claude Evelyne (director (not named in the articles))
- Founder, TERCELIN de JOIGNY de PAMELE Nicolas Amaury Marie Joseph
- Founder, VAN ASSCHE Florence Danielle Claude Evelyne
- Founding capital, €4,000, 40 shares
- The deed holds 5 more points.
First establishment Avenue des Frères Fleischman 51, Waterloo
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1016.248.016
- VAT number
- BE 1016.248.016
- Peppol ID
- 0208:1016248016
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 15-11-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 19:00deed of 19-11-2024 (in French)
- Peppol
- Reachable since 22-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- FLOVATERC in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 19-11-2024 (in French)
Activities
NACEBEL 202581300
Landscape service activities main activity
86931
Psychology services
Codes under NACEBEL 2008
81300
Landscape service activities main activity
71113
Architectural and engineering activities; technical testing and analysis
86904
Human health activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’organisation d’activités dans le domaine de la psychologie et notamment,sans que cette énumération ne soit limitative,l’organisation de…”deed of 19-11-2024 (in French)
25 activities
- L’organisation d’activités dans le domaine de la psychologie et notamment,sans que cette énumération ne soit limitative,l’organisation de consultations psychologiques et/ou psychopédagogiques,les examens psychologiques,la médiation familiale,les expertises judiciaires,visant à l’accompagnement,le développement et à l’épanouissement de toutes personnes,exercées dans le cadre institutionnel,hospitalier ou privé.
- L’organisation de conférences,colloques,journées de réflexion,séminaires,ou ateliers de formation dans le domaine de la psychologie,à destination des professionnels de l’intervention sociale et des non-professionnels;
- Le coaching;l’organisation de groupes de paroles,groupes de réflexions à destination des professionnels de l’intervention sociale et des non-professionnels.
- Toutes les activités relevant du domaine de la construction,dont notamment,en qualité d’entrepreneur général ou en sous-traitance toutes activités d’entreprise générale de construction;
- Toutes études et tous travaux de construction,de transformation,de rénovation et d’entretien de bâtiments,d’ouvrages d’art et d’infrastructures dont notamment,sans que cette énumération soit limitative:
- A) toutes activités se rapportant à l’entreprise de peinture du bâtiment,de tapissage et de garnissage,de pose de revêtement de murs,de plafonds et de sols,ainsi que tous travaux de finition et de parachèvement,en ce compris notamment:-le recouvrement de surfaces par de la peinture,du vernis ou des transparents teintés,afin de les protéger et de les embellir;-la pose de tapisserie,de toile à peindre et de revêtements souples collés sur toute la surface;-le recouvrement des murs et des sols par des revêtements souples.
- B) tous travaux de carrelage,mosaïque,pose de parquet,ou autre revêtement de sol,au sens le plus large;
- C) l’exécution de toutes sortes de travaux d’entretien,de réparations et de rénovation à des biens immeubles;la coordination,le contrôle et le suivi des chantiers de construction sous le contrôle d’un architecte ou d’un entrepreneur agréé;la gestion de tous investissements et placements tant mobiliers qu’immobiliers dans les limites de la loi;
- D) toutes activités de gros œuvre,toutes activités d’installation de chauffage central,de climatisation,de gaz et de sanitaire,toutes activités électrotechniques;
- Tous travaux de fabrication de meubles de bureau,de magasin et d’atelier en métal ou en tous autres matériaux,ainsi que tous travaux de menuiserie;
- Tous travaux de plafonnage,cimentage et pose de chape,ainsi que tous travaux de plâtrerie.
- La vente,l’importation,l’exportation,la représentation et le commerce sous toutes ses formes de tous produits dont elle assure la pose,tant pour l’intérieur que pour l’extérieur,en ce compris notamment de tout article d'ameublement ou de décoration intérieure telle que vernis,couleur,papier-peint ou autres revêtements muraux et de sol,couvre-parquets et tout article accessoire connexe audites marchandises,peintures et décoration intérieure,travaux d'isolation intérieure et extérieure,pose de plaques de plâtre;
- Toute activité relative à l'étude,la conception,l'élaboration et la commercialisation de plans et de logiciels concernant la décoration intérieure,en ce compris le développement,l’achat,la vente,la concession comme preneur ou concédant de licences,de brevets,de savoir-faire et d’autres immobilisations incorporelles;
- La réalisation,la transformation,l’aménagement,la rénovation et l’entretien de jardin ou de parc,et d’une manière plus large,de tout espace extérieur,ainsi que,et sans que cette énumération soit limitative,l’abattage ou l’élagage d’arbres,la plantation,la transplantation,ou l’arrachage de plantes,la gestion et l’élimination de tout déchet végétal,la mise en place et l’entretien de clôtures,bordures,abris de jardin et soubassement,dalle de propreté ou toute construction extérieure,la pose de toute surface minérale,la création d’espace de parking,l’installation de tout système de drainage,la réalisation de tout ouvrage ornemental,étant,pièce d’eau,fontaine,l’aménagement et l’entretien de terrain de tennis,de sport ou de loisir,…
- La gestion et la valorisation de son propre patrimoine mobilier ou immobilier en pleine propriété ou en droits réels,notamment par l’achat,la vente,la location,la sous-location,l’achat de pleine propriété ou de droits réels destinés à la location,la viabilisation,le lotissement,la mise à disposition,la rénovation,la construction,le tout au sens le plus large de tout immeuble de toute nature que ce soit.
- Louer ou sous louer,acquérir des droits réels ou la pleine propriété de tout immeuble dans le but d’y établir son siège,un siège d’exploitation et d’y loger son dirigeant et les membres de son ménage à titre de résidence principale ou secondaire,tant en Belgique qu’à l’étranger.
- Donner caution tant pour ses propres engagements que pour les engagements de tiers en donnant ses biens,sans aucune exception,en hypothèque et en gage.
- Effectuer des prêts en espèces ou de tout autre nature.
- Toutes prestations et toutes activités se rapportant à la prise de participation directe ou indirecte dans toutes sociétés ou entreprises,leur management au sens le plus large du terme (marketing,ressources humaines,développement,représentation,…. ),le contrôle de leur gestion ou la participation à celle-ci,notamment par la prise de tous mandats d’administrateur ou de liquidateur,de gestion journalière ou de direction générale au sein desdites sociétés ou entreprises.
- L’administration de sociétés,l’achat,l’administration,la vente de toutes valeurs mobilières,de tous droits sociaux et d’une manière générale toutes opérations de gestion du portefeuille ainsi constitué,à l'exclusion de celles faisant l'objet de dispositions légales qui en réglementent l'accès.
- La réalisation de toutes opérations ou conseils en rapport avec la création d’entreprises,l’organisation,la gestion ou la direction générale d’entreprises,l’activité de conseil et la prestation de services dans le domaine organisationnel et commercial,le conseil en mise en relation et au financement des entreprises,le conseil en matière d’ingénierie financière,la recherche de fonds propres et de financements connexes,l’assistance et le conseil en partenariat d’entreprise et en mise en relation de sociétés,le conseil en gestion de l’énergie,la gestion des ressources humaines,toutes sortes de services rendus aux entreprises.
- Toutes opérations financières,mobilières et immobilières qui sont de nature à élargir ou à promouvoir de manière directe ou indirecte son entreprise,tant en Belgique qu'à l'étranger.
- Prendre des intérêts dans,coopérer ou fusionner avec,toutes associations,affaires,entreprises ou sociétés,par n'importe quel moyen.
- Exercer les activités de consultance dans tous les domaines,sans aucune exception.
- La location ou l’acquisition de droits d’auteur dans le but de les exploiter,de les concéder ou de les céder.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Avenue des Frères Fleischman 51 registered office 1410 Waterloo | 15-11-2024 | 2.366.937.679 |
Buildings and parcels at the address
- Ground area
- 692 m²
- Buildings
- 132 m²
- Volume, LiDAR
- 874 m³
- Tallest building
- 8.5 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25764Q0290/00C000 | 692 m² | 1 · 132 m² | 8.5 m · 2 |