FLOW
ActiveFLOW has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €627k and a net result of €314k. Equity is shrinking by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 55% of 1608 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
91
/ 100
Excellent▲ +1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency92▼-6
Growth58=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 2.21 in 2024), but 50.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
49.1%
Return on assets
24.6%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
30 d early
2023
19 d early
2022
13 d early
2021
12 d early
2020
25 d early
2019
49 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€627k▼ 21.1%
2024 · €795k
2018: €900k
2019: €1.13M
2020: €1.43M
2021: €1.48M
2022: €908k
2023: €848k
2024: €795k
2018 → 2025
Total assets
€1.28M▼ 8.1%
2024 · €1.39M
2018: €1.28M
2019: €1.55M
2020: €1.94M
2021: €2.35M
2022: €1.67M
2023: €1.60M
2024: €1.39M
2018 → 2025
Net result
€314k▲ 18.4%
2024 · €265k
2018: €121k
2019: €229k
2020: €304k
2021: €47k
2022: €392k
2023: €408k
2024: €265k
2018 → 2025
Working capital
€578k▼ 19.4%
2024 · €718k
2018: €781k
2019: €1.04M
2020: €1.33M
2021: €1.39M
2022: €855k
2023: €758k
2024: €718k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.48M-€908k▼ 38.6%€848k▼ 6.6%€795k▼ 6.2%€627k▼ 21.1%
Operating result€85k-€437k▲ 411%€446k▲ 2.2%€295k▼ 33.9%€342k▲ 16.0%
Net result€47k-€392k▲ 735%€408k▲ 4.1%€265k▼ 35.1%€314k▲ 18.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.28M
Fixed assets
€49k▼ 36.9%
Current assets
€1.23M▼ 6.4%
Equity and liabilities €1.28M
Equity
€627k▼ 21.1%
Debt
€651k▲ 9.4%
The debt ratio rises from 42.8% to 50.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€379k▲
2024 · €331k
Cash flow
€351k▲
2024 · €301k
Solvency
49.1%▼
2024 · 57.2%
Current ratio
1.89▼
2024 · 2.21
Quick ratio
1.89▼
2024 · 2.21
Debt / equity
1.04▲
2024 · 0.75
ROE
50.1%▲
2024 · 33.3%
ROA
24.6%▲
2024 · 19.1%
Interest coverage
187.60▼
2024 · 1159.17
Debt
€651k▲
2024 · €595k
Debt ≤ 1 year
€651k▲
2024 · €595k
Income taxes
€41k▼
2024 · €41k
Staff costs
€1.88M▲
2024 · €1.67M
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€1.39M€1.28M▼
Fixed assets21/28€78k€49k▼
Intangible fixed assets21€2k-
Tangible fixed assets22/27€75k€48k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€59k€43k▼
Other tangible fixed assets26€10k-
Financial fixed assets28€1k€1k▲
Current assets29/58€1.31M€1.23M▼
Amounts receivable within one year40/41€473k€439k▼
Trade receivables40€471k€432k▼
Other amounts receivable41€2k€6k▲
Current investments50/53€500k€375k▼
Cash at bank and in hand54/58€332k€413k▲
Deferred charges and accrued income490/1€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.39M€1.28M▼
Equity10/15€795k€627k▼
Contributions10/11€31k€31k=
Reserves13€765k€597k▼
Distributable reserves133€765k€597k▼
Amounts payable17/49€595k€651k▲
Amounts payable within one year42/48€595k€651k▲
Trade debts44€69k€77k▲
Suppliers440/4€69k€77k▲
Taxes, remuneration and social security45€324k€321k▼
Taxes450/3€87k€84k▼
Remuneration and social security454/9€237k€237k▼
Other amounts payable47/48€203k€254k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1.67M€1.88M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€37k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€2.00M€2.26M▲
Operating profit (loss)9901€295k€342k▲
Financial income75/76B€12k€15k▲
Recurring financial income75€12k€15k▲
Financial charges65/66B€286€2k▲
Recurring financial charges65€286€2k▲
Profit (loss) for the period before taxes9903€306k€355k▲
Income taxes67/77€41k€41k▼
Profit (loss) for the period9904€265k€314k▲
Profit (loss) for the period to be appropriated9905€265k€314k▲
Appropriation of the result
Profit (loss) to be appropriated9906€265k€314k▲
Transfer from equity791/2€115k€229k▲
Transfer to equity691/2€63k€61k▼
To other reserves6921€63k€61k▼
Profit to be distributed694/7€318k€482k▲
Return on contributions (dividend)694€115k€229k▲
Directors or managers695€203k€254k▲
Social balance
Average headcount (FTE)908724.824.7▼
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €408k ▲4.1%
Net result €408k, the highest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €47k ▼84.6%
Net result drops to €47k, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €1MEq €1.13M ▲25.4%
2 profitable years in a row build equity to €1.13M.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Gent · 1 establishment unit since 2014
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.
Martelaarslaan 219000 GentGround area
4,963 m²
Building footprint
115 m²
Volume, LiDAR
627 m³
Parcel 44816K0955/00A014, Flanders · tallest building 27.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FLOW
since 20142.236.018.957
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44816K0955/00A014 | Flanders | 4,963 m² | 1 · 115 m² | 27.2 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 · 7 entries · 9,267 EUR awarded · 10,345 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,111 EUR | 964 EUR |
| 2024 | 2 | 5,360 EUR | 5,360 EUR |
| 2023 | 2 | 1,794 EUR | 3,157 EUR |
| 2022 | 1 | 1,002 EUR | 864 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 13,390 companies in sector 73300 we hold annual accounts for 6,881. 3,781 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2009
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.