FLOWUP
ActiveFLOWUP 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 €207k and a net result of €72k. Equity is growing by ~52.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 782 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
33 d early
2022
77 d early
2021
73 d early
2020
43 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€207k▲ 53.8%
2023 · €135k
2020: €6k
2021: €62k
2022: €92k
2023: €135k
2020 → 2024
Net result
€72k▲ 68.6%
2023 · €43k
2020: €1k
2021: €56k
2022: €29k
2023: €43k
2020 → 2024
Total assets
€285k▲ 37.6%
2023 · €207k
2020: €54k
2021: €135k
2022: €163k
2023: €207k
2020 → 2024
Solvency
72.7%▲ 7.6pp
2023 · 65.0%
2020: 11.2%
2021: 45.9%
2022: 56.3%
2023: 65.0%
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€6k-€62k▲ 923%€92k▲ 47.5%€135k▲ 46.9%€207k▲ 53.8%
Operating result€3k-€81k▲ 2,324%€47k▼ 42.4%€66k▲ 41.8%€108k▲ 62.3%
Net result€1k-€56k▲ 5,109%€29k▼ 47.4%€43k▲ 45.7%€72k▲ 68.6%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 62% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €285k
Fixed assets
€266▼ 67.8%
Current assets
€285k▲ 38.0%
Equity and liabilities €285k
Equity
€207k▲ 53.8%
Debt
€78k▲ 7.5%
The debt ratio falls from 35.0% to 27.3%: equity grows faster than debt.
Key figures and ratios
Solvency
72.7%▲
2023 · 65.0%
ROE
35.0%▲
2023 · 31.9%
ROA
25.4%▲
2023 · 20.8%
Debt
€78k▲
2023 · €72k
Debt ≤ 1 year
€78k▲
2023 · €72k
Income taxes
€35k▲
2023 · €23k
Staff costs
€497k▲
2023 · €497k
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€207k€285k▲
Fixed assets21/28€826€266▼
Tangible fixed assets22/27€651€91▼
Furniture and vehicles24€651€91▼
Financial fixed assets28€175€175=
Current assets29/58€206k€285k▲
Cash at bank and in hand54/58€206k€285k▲
Equity and liabilities
Total equity and liabilities10/49€207k€285k▲
Equity10/15€135k€207k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€130k€202k▲
Amounts payable17/49€72k€78k▲
Amounts payable within one year42/48€72k€78k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€67k€73k▲
Taxes450/3€3k€15k▲
Remuneration and social security454/9€64k€58k▼
Accrued charges and deferred income492/3€347€348▲
Income statement
Code20232024
Remuneration, social security and pensions62€497k€497k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€561€560▼
Other operating charges640/8€652€795▲
Gross operating margin9900€564k€606k▲
Operating profit (loss)9901€66k€108k▲
Financial income75/76B€9€454▲
Recurring financial income75€9€454▲
Financial charges65/66B€307€186▼
Recurring financial charges65€307€186▼
Profit (loss) for the period before taxes9903€66k€108k▲
Income taxes67/77€23k€35k▲
Profit (loss) for the period9904€43k€72k▲
Profit (loss) for the period to be appropriated9905€43k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€130k€202k▲
Profit (loss) brought forward from the previous period14P€87k€130k▲
Social balance
Average headcount (FTE)90877.17.1=
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2020net €72k ▲68.6%
Operating result €108k, net result €72k, both a record.
31-12
Financial
Equity above €200kEq €207k ▲53.8%
5 profitable years in a row build equity to €207k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €100kEq €135k ▲46.9%
4 profitable years in a row build equity to €135k.
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
19-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Fosses-la-Ville · 1 establishment unit since 2020
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.
Rue de l'Ermitage,Sart-Eustache 165070 Fosses-la-VilleGround area
4,101 m²
Building footprint
551 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
FLOWUP
since 20202.305.183.422
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92110A0327/00B000 | Wallonia | 2,408 m² | 1 · 155 m² | - |
| 93022L0452/00B000 | Wallonia | 1,693 m² | 1 · 396 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ZAKENKANTOOR BUYLE - PYL
BE 0442.826.675
Sint-Niklaas · Eq €207k
LOUA
BE 0502.454.654
Middelkerke · Eq €207k
ES DUPONT
BE 0883.962.087
Remicourt · Eq €207k
PAJO FINANCE
BE 0634.933.987
Etterbeek · Eq €207k
COPPER FINANCE
BE 0451.847.972
Grimbergen · Eq €208k
Of 1,681 companies in sector 66191 we hold annual accounts for 1,229. 1,103 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2020
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:katherine.boulanger@bnpparibasfortis.com
Phone:+32496219971
Phone:+3271660412