FLUENTES

Active

Private limited companyfounded 2013active for 13 yearsRijfstraat 12, 2018 Antwerpen, BelgiumKBO/BCE: BE 0521.929.779

Summary

FLUENTES has been active since 2013 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €708,275 and a net result of €174,375. Equity has been growing by about 24% per year since 2018. Its solvency ranks better than 66% of 274 sector peers (NACE 32, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

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FLUENTESActiveChecked score 96/100

Risk analysis Report Compare

Overview

Official details

Source: KBO

Status: Active since 12-03-2013 Normal situation
Registered office: 19 active companies are registered at this address Source: KBO register, as of 3 November 2026.
Activity: Manufacture of jewellery NACE 32123and 1 other
Joint committees: 149.03 Paritair Subcomité voor de edele metalen
: 200 Aanvullend Paritair Comité voor de bedienden · annual accounts 2025
Establishment unit: 2.217.466.322 2018 Antwerpen, since 12-03-2013
Financial year end: 31 December
Peppol: Reachable since 11-12-2025

Company details

Board and ownership

Board

Van Camp Gino MauriceDirector · since 12-03-2013
IoquiDirector · since 29-03-2023 · permanent representative losune Van Camp
QuiioDirector · since 29-03-2023 · permanent representative Quirine Van Camp

Shareholders

Ioqui50%· score 902025 annual accounts of Ioqui
Quiio50%· score 942025 annual accounts of Quiio

Board & ownership

Financial position

96 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.1%

Annual accounts 2025

Gross margin: €362,916; ▼ 2.2%
Turnover: ≈ €860,000; estimated
Profit: €174,375; ▼ 17.9%
Equity: €708,275; ▼ 0.1%
Total assets: €1.2m; ▲ 40.9%
Employees on 31-12-2025: 3; ▲ 50.0%

Financials

Score breakdownraises risk1 change of registered office in 24 monthslowers riskLiquidity: current ratio 2.44, cash €477,999Figures for financial year 2025 (filed on 30-07-2026)Size: 2.5 FTE, total assets €1.2mShow the evidence

Checked score

Score 2025

96 / 100

Excellent

Probability in this band: under 0.55%

Financially stronger than 67% of micro companies in other manufacturing (NACE 32)

Every signal that counts is listed under Signals.

Financial strength · tick: 2024

Strong

Solvency 84-16

equity 58.6% of total assets

Liquidity 90-5

short-term debt 24.7% · cash 39.5%

Profitability 87-13

return on assets 14.4%

Bankruptcy probability within 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (1,141 companies, NACE 32, micro)

Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: 0.1%▲ +0.1 percentage points vs 06-2025 08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025lowest value 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: 0.1%▲ +0.1 percentage points vs 06-2026highest value 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026

Credit of up to €65,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 2.44 (5.16 in 2024), above the usual 1.5. Short-term debt is 24.7% and cash 39.5% of total assets. 41.4% of the assets are financed with debt and provisions.

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 32, micro). It does better than 65% of them on solvency, 89% on liquidity, 75% on profitability and 40% on growth.

The bankruptcy probability was computed on 03-11-2026 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.

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).

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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

Five signals.

lowers riskraises riskneutral

1 change of registered office in 24 months

Belgian Official Gazette

Liquidity: current ratio 2.44, cash €477,999

NBB · annual accounts

Figures for financial year 2025 (filed on 30-07-2026)

NBB · annual accounts

Size: 2.5 FTE, total assets €1.2m

Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

1 day early

2024

7 days early

2023

23 days early

2022

151 days early

2021

59 days early

2020

31 days late

2019

69 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 20 days before the deadline. In the sector (NACE 32), the median for financial year 2024 was 2 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 9 July (4 of the last 5 accounts filed within 37 days either side of that date).

Companies Code · seven months

Where today falls in the filing period

04-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

That holds for every publication since 2021.

KBO publications

Financials

Financials · financial year 2025, abbreviated format

Annual accounts 2025 filed on 30-07-2026 at the NBB all 12 filings

Turnover

≈ €860,000

Estimated: probably between €520,000 and €1.5m

Total assets

€1.2m▲ 40.9%

2024 · €858,338

Net result

€174,375▼ 17.9%

2024 · €212,357

Working capital

€431,372▼ 30.5%

2024 · €620,428

Multi-year overview

2018 to 2025, 8 financial years

Operating result

€239,953

▼ 17.4% 2025

20182025

Net result

€174,375

▼ 17.9% 2025

highest quarter of the sector

20182025

Equity

€708,275

▼ 0.1% 2025

middle half of the sector

20182025

Total assets

€1.2m

▲ 40.9% 2025

middle half of the sector

20182025

Debt

€501,113

▲ 235% 2025

20182025

Working capital

€431,372

▼ 30.5% 2025

middle half of the sector

20182025

Solvency

58.6%

▼ 24.0pp 2025

middle half of the sector

20182025

Current ratio

2.44

▼ 2.72 2025

middle half of the sector

20182025

Return on assets (ROA)

14.4%

▼ 10.3pp 2025

highest quarter of the sector

20182025

Staff (FTE)

2.5

▲ 56.3% 2025

middle half of the sector

20182025

Every figure per financial year

Every figure with its change against the financial year before

favourable unfavourable

Line20182019202020212022202320242025

Operating result€0.04m-€0.05m▲ 22.5%€0.2m▲ 354%€0.3m▲ 28.3%€0.3m▲ 14.0%€0.2m▼ 24.2%€0.3m▲ 24.7%€0.2m▼ 17.4%

Net result€0.03m-€0.03m▲ 15.5%€0.1m▲ 352%€0.2m▲ 26.6%€0.2m▲ 26.6%€0.2m▼ 28.0%€0.2m▲ 24.9%€0.2m▼ 17.9%

Equity€0.2m-€0.2m▲ 19.1%€0.3m▲ 61.8%€0.5m▲ 52.7%€0.7m▲ 38.4%€0.5m▼ 23.7%€0.7m▲ 33.4%€0.7m▼ 0.1%

Total assets€0.3m-€0.3m▲ 10.0%€0.4m▲ 45.9%€0.6m▲ 48.2%€0.9m▲ 40.9%€0.9m▲ 7.8%€0.9m▼ 7.0%€1.2m▲ 40.9%

Debt€0.08m-€0.08m▼ 8.4%€0.08m▲ 3.8%€0.1m▲ 29.8%€0.2m▲ 53.3%€0.4m▲ 146%€0.1m▼ 61.8%€0.5m▲ 235%

Working capital€0.1m-€0.2m▲ 21.5%€0.3m▲ 68.7%€0.5m▲ 58.6%€0.6m▲ 29.3%€0.4m▼ 26.4%€0.6m▲ 43.7%€0.4m▼ 30.5%

Solvency67.0%-72.5%▲ 5.5pp80.5%▲ 7.9pp82.9%▲ 2.4pp81.4%▼ 1.5pp57.6%▼ 23.8pp82.6%▲ 25.0pp58.6%▼ 24.0pp

Current ratio2.66-3.20▲ 0.544.57▲ 1.375.37▲ 0.794.68▼ 0.682.10▼ 2.585.16▲ 3.052.44▼ 2.72

Return on assets (ROA)11.1%-11.6%▲ 0.6pp36.0%▲ 24.4pp30.7%▼ 5.2pp27.6%▼ 3.1pp18.4%▼ 9.2pp24.7%▲ 6.3pp14.4%▼ 10.3pp

Staff (FTE)2.1-2.4▲ 14.3%2.4=2.5▲ 4.2%2.9▲ 16.0%1.5▼ 48.3%1.6▲ 6.7%2.5▲ 56.3%

above within below The sector band is the middle half of the companies in Other manufacturing (NACE 32). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.

The operating result for 2025 is 17% lower than in 2024.

Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.2m

39.6%

60.4%

Fixed assets €478,835 ▲ 440%

Current assets €730,553 ▼ 5.1%

Equity and liabilities €1.2m

58.6%

41.4%

Equity €708,275 ▼ 0.1%

Debt €501,113 ▲ 235%

Debt's share of the balance-sheet total rises from 17.4% to 41.4%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€265,270▼

2024 · €301,795

Cash flow

€199,692▼

2024 · €223,572

Quick ratio

2.18▼

2024 · 4.78

Debt to equity

0.71▲

2024 · 0.21

ROE

24.6%▼

2024 · 30.0%

Interest coverage

22.03▼

2024 · 36.42

Debt ≤ 1 year

€299,181▲

2024 · €149,169

Debt > 1 year

€201,810

Income taxes

€53,928▼

2024 · €72,832

Staff costs

€92,939▲

2024 · €61,025

Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.

Staff

social balance sheet

Item	31-12-2021	31-12-2022	31-12-2023	31-12-2024	31-12-2025
Employees at the balance-sheet date	3	3	1	2	3
full-time	2	3	1	2	2
part-time	1	-	-	-	1
in full-time equivalents	2.5	3	1	2	2.9
Average over the year, in full-time equivalents	2.5	2.8	1.5	1.6	2.5
On a permanent contract	3	3	1	2	3
Joined	-	1	0	8	1
Left	-	1	2	7	0

Source: social balance sheet in the 2021 to 2025 annual accounts

Investments

fixed assets acquired

Item	2021	2022	2023	2024	2025
Tangible fixed assets	€20,726	€77,855	€4,595	-	€369,839
Intangible fixed assets	-	-	-	-	€46,488
Depreciation and write-downs of the year	€14,647	€17,784	€14,401	€11,215	€25,317

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Annual accounts

OverviewIncome statement Balance sheet Cash flow

Last 5 years All years

Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines

Balance sheet Code20242025

Assets

Total assets20/58€0.9m€1.2m▲

Fixed assets21/28€0.09m€0.5m▲

Intangible fixed assets21-€0.04m

Tangible fixed assets22/27€0.09m€0.4m▲

Land and buildings22-€0.3m

Plant, machinery and equipment23€0.09m€0.08m▼

Furniture and vehicles24€0.001m€0.004m▲

Other tangible fixed assets26€0.001m€321▼

Current assets29/58€0.8m€0.7m▼

Stocks and contracts in progress3€0.06m€0.08m▲

Stocks30/36€0.06m€0.08m▲

Amounts receivable within one year40/41€0.2m€0.1m▼

Trade receivables40€0.2m€0.1m▼

Other amounts receivable41€0.04m€0.01m▼

Current investments50/53€0.05m€0.05m=

Cash at bank and in hand54/58€0.4m€0.5m▲

Equity and liabilities

Total equity and liabilities10/49€0.9m€1.2m▲

Equity10/15€0.7m€0.7m▼

Contributions10/11€0.05m€0.05m=

Reserves13€0.7m€0.7m▼

Distributable reserves133€0.7m€0.7m▼

Amounts payable17/49€0.1m€0.5m▲

Amounts payable after more than one year17-€0.2m

Financial debts170/4-€0.2m

Amounts payable within one year42/48€0.1m€0.3m▲

Current portion of amounts payable after more than one year42-€0.009m

Financial debts43€0.03m€0.03m=

Credit institutions430/8€0.03m€0.03m=

Trade debts44€0.07m€0.07m▼

Suppliers440/4€0.07m€0.07m▼

Taxes, remuneration and social security45€0.01m€0.02m▲

Taxes450/3€0.004m€0.01m▲

Remuneration and social security454/9€0.006m€0.007m▲

Other amounts payable47/48€0.04m€0.2m▲

Accrued charges and deferred income492/3€269€122▼

Income statement Code20242025

Remuneration, social security and pensions62€0.06m€0.09m▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.01m€0.03m▲

Other operating charges640/8€0.008m€0.005m▼

Gross operating margin9900€0.4m€0.4m▼

Operating profit (loss)9901€0.3m€0.2m▼

Financial income75/76B€0.003m€392▼

Recurring financial income75€0.003m€392▼

Financial charges65/66B€0.008m€0.01m▲

Recurring financial charges65€0.008m€0.01m▲

Profit (loss) for the period before taxes9903€0.3m€0.2m▼

Income taxes67/77€0.07m€0.05m▼

Profit (loss) for the period9904€0.2m€0.2m▼

Profit (loss) for the period to be appropriated9905€0.2m€0.2m▼

Appropriation of the result

Profit (loss) to be appropriated9906€0.2m€0.2m▼

Transfer from equity791/2-€0.001m

Transfer to equity691/2€0.2m-

To other reserves6921€0.2m-

Profit to be distributed694/7€0.04m€0.2m▲

Return on contributions (dividend)694€0.04m€0.2m▲

Social balance sheet

Average headcount (FTE)90871.62.5▲

The notes to these accounts have 13 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 30-07-2026.

Line	2018	2019	2020	2021	2022	2023	2024	2025	Change
Remuneration, social security and pensions62	-	-	-	€84,004	€101,397	€59,887	€61,025	€92,939	▲ 52.3%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€13,914	€15,617	€16,560	€14,647	€17,784	€14,401	€11,215	€25,317	▲ 126%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4	-	-	-	-	-	€5,142	-	-	-
Other operating charges640/8	-	-	-	€1,224	€1,119	€1,562	€8,394	€4,707	▼ 43.9%
Gross operating margin9900	€117,238	€132,931	€293,911	€369,591	€427,885	€314,025	€371,213	€362,916	▼ 2.2%
Operating profit (loss)9901	€37,820	€46,320	€210,234	€269,715	€307,585	€233,033	€290,579	€239,953	▼ 17.4%
Financial income75/76B	-	-	-	€72	€38	€174	€2,896	€392	▼ 86.5%
Recurring financial income75	€2,943	€1,035	€690	€72	€38	€174	€2,896	€392	▼ 86.5%
Financial charges65/66B	-	-	-	€2,009	€3,303	€3,503	€8,286	€12,042	▲ 45.3%
Recurring financial charges65	€1,677	€2,356	€2,249	€2,009	€3,303	€3,503	€8,286	€12,042	▲ 45.3%
Profit (loss) for the period before taxes9903	€39,086	€44,998	€208,675	€267,778	€304,320	€229,704	€285,189	€228,303	▼ 19.9%
Income taxes67/77	€10,844	€12,375	€61,236	€81,126	€68,085	€59,659	€72,832	€53,928	▼ 26.0%
Profit (loss) for the period9904	€28,242	€32,623	€147,439	€186,652	€236,235	€170,046	€212,357	€174,375	▼ 17.9%
Profit (loss) for the period to be appropriated9905	€28,242	€32,623	€147,439	€186,652	€236,235	€170,046	€212,357	€174,375	▼ 17.9%

Line	2018	2019	2020	2021	2022	2023	2024	2025	Change
Assets
Total assets20/58	€0.3m	€0.3m	€0.4m	€0.6m	€0.9m	€0.9m	€0.9m	€1.2m	▲ 40.9%
Fixed assets21/28	€0.03m	€0.03m	€0.04m	€0.05m	€0.1m	€0.1m	€0.09m	€0.5m	▲ 440%
Intangible fixed assets21	€0.004m	€0.006m	€0.004m	€0.003m	€0.001m	-	-	€0.04m	-
Tangible fixed assets22/27	€0.03m	€0.03m	€0.04m	€0.05m	€0.1m	€0.1m	€0.09m	€0.4m	▲ 390%
Land and buildings22	-	-	-	-	-	-	-	€0.3m	-
Plant, machinery and equipment23	-	-	-	€0.04m	€0.1m	€0.1m	€0.09m	€0.08m	▼ 2.7%
Furniture and vehicles24	-	-	-	€0.003m	€0.002m	€0.002m	€0.001m	€0.004m	▲ 283%
Other tangible fixed assets26	-	-	-	€0.005m	€0.003m	€0.002m	€0.001m	€321	▼ 69.5%
Current assets29/58	€0.2m	€0.2m	€0.4m	€0.6m	€0.7m	€0.8m	€0.8m	€0.7m	▼ 5.1%
Stocks and contracts in progress3	€0.02m	€0.03m	€0.05m	€0.03m	€0.07m	€0.07m	€0.06m	€0.08m	▲ 36.9%
Stocks30/36	-	-	-	€0.03m	€0.07m	€0.07m	€0.06m	€0.08m	▲ 36.9%
Amounts receivable within one year40/41	€0.1m	€0.1m	€0.06m	€0.1m	€0.1m	€0.2m	€0.2m	€0.1m	▼ 49.6%
Trade receivables40	-	-	-	€0.1m	€0.1m	€0.1m	€0.2m	€0.1m	▼ 46.1%
Other amounts receivable41	-	-	-	-	€0.002m	€0.03m	€0.04m	€0.01m	▼ 69.1%
Current investments50/53	-	-	-	€0.05m	€0.05m	€0.05m	€0.05m	€0.05m	=
Cash at bank and in hand54/58	€0.06m	€0.07m	€0.3m	€0.4m	€0.5m	€0.6m	€0.4m	€0.5m	▲ 15.3%
Deferred charges and accrued income490/1	-	-	-	€0.002m	€0.002m	-	-	-	-
Equity and liabilities
Total equity and liabilities10/49	€0.3m	€0.3m	€0.4m	€0.6m	€0.9m	€0.9m	€0.9m	€1.2m	▲ 40.9%
Equity10/15	€0.2m	€0.2m	€0.3m	€0.5m	€0.7m	€0.5m	€0.7m	€0.7m	▼ 0.1%
Contributions10/11	€0.05m	€0.05m	-	€0.05m	€0.05m	€0.05m	€0.05m	€0.05m	=
Reserves13	€0.1m	€0.2m	€0.3m	€0.5m	€0.6m	€0.5m	€0.7m	€0.7m	▼ 0.1%
Distributable reserves133	-	-	-	€0.5m	€0.6m	€0.5m	€0.7m	€0.7m	▼ 0.1%
Amounts payable17/49	€0.08m	€0.08m	€0.08m	€0.1m	€0.2m	€0.4m	€0.1m	€0.5m	▲ 235%
Amounts payable after more than one year17	-	-	-	-	-	-	-	€0.2m	-
Financial debts170/4	-	-	-	-	-	-	-	€0.2m	-
Amounts payable within one year42/48	€0.08m	€0.08m	€0.08m	€0.1m	€0.2m	€0.4m	€0.1m	€0.3m	▲ 101%
Current portion of amounts payable after more than one year42	-	-	-	-	-	-	-	€0.009m	-
Financial debts43	-	-	-	€0.008m	€0.03m	€0.03m	€0.03m	€0.03m	=
Credit institutions430/8	-	-	-	€0.008m	€0.03m	€0.03m	€0.03m	€0.03m	=
Trade debts44	€0.05m	€0.05m	€0.02m	€0.02m	€0.006m	€0.001m	€0.07m	€0.07m	▼ 7.1%
Suppliers440/4	-	-	-	€0.02m	€0.006m	€0.001m	€0.07m	€0.07m	▼ 7.1%
Taxes, remuneration and social security45	-	-	-	€0.06m	€0.07m	€0.02m	€0.01m	€0.02m	▲ 72.3%
Taxes450/3	-	-	-	€0.05m	€0.06m	€0.02m	€0.004m	€0.01m	▲ 186%
Remuneration and social security454/9	-	-	-	€0.01m	€0.02m	€0.003m	€0.006m	€0.007m	▲ 9.9%
Other amounts payable47/48	-	-	-	€0.02m	€0.05m	€0.3m	€0.04m	€0.2m	▲ 383%
Accrued charges and deferred income492/3	-	-	-	-	-	€129	€269	€122	▼ 54.7%

Line	2018	2019	2020	2021	2022	2023	2024	2025	Change
Profit (loss) for the period9904	€28,242	€32,623	€147,439	€186,652	€236,235	€170,046	€212,357	€174,375	▼ 17.9%
+ Depreciation and write-downs630	€13,914	€15,617	€16,560	€14,647	€17,784	€14,401	€11,215	€25,317	▲ 126%
Operating cash flow (approximation)	€42,156	€48,240	€163,999	€201,300	€254,020	€184,447	€223,572	€199,692	▼ 10.7%
Investment in fixed assets (approximation)	-	-€18,274	-€26,032	-€20,726	-€77,855	-€4,595	€0	-€415,411	-
Change in cash	-	€14,706	€191,895	€100,616	€141,107	€47,765	-€137,494	€63,317	-

A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.

Download as CSV

Historical observation

In July 2024, 34,693 companies had the same profile as FLUENTES has now. Two years later, 95.3% were still going and 0.7% had gone bankrupt.

Micro
10 to 20 years old
solvency 30% or more
a profit of 5% of the balance sheet or more

95.3% was still going

3.9% stopped otherwise

0.7% went bankrupt

That fits the bankruptcy probability of FLUENTES itself: 0.1% within 12 months.

Test of the method

The method was tested on the 497,446 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.

The companies in ten equal groups, from the lowest to the highest expected share
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 34,693 companies, not a prediction for FLUENTES. 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.

Latest 10 of 12 filings with the National Bank

Financial year	Type	Filed	Reference	Document
31-12-2025	abbreviated format	30-07-2026	2026-00358300	PDF
31-12-2024	abbreviated format	24-07-2025	2025-00310299	PDF
31-12-2023	abbreviated format	08-07-2024	2024-00228960	PDF
31-12-2022	abbreviated format	02-03-2023	2023-00035200	PDF
31-12-2021	micro format	02-06-2022	2022-20043665	PDF
31-12-2020	micro format	31-08-2021	2021-62700138	PDF
31-12-2019	micro format	08-10-2020	2020-60300331	PDF
31-12-2018	micro format	30-07-2019	2019-41500015	PDF
31-12-2017	abbreviated format	30-08-2018	2018-58400499	PDF
31-12-2016	abbreviated format	28-07-2017	2017-37400593	PDF

Show all 12 filings

Board & ownership

Directors

3 directors, last change in 2026

Act of 11-06-2026Registered office moved within AntwerpenNew seat: 2018 Antwerpen, Rijfstraat 12 3e verdieping · Previous seat: 2018 Antwerpen, Vestingstraat 40 5e verdieping · Permanent representatives: Johan Jacobs, Kris Bollen and 4 others

Board 3

Van Camp Gino Maurice

Director · since 12-03-2013 · listed in the 2025 annual accounts, filed on 30-07-2026

Current

Ioqui

Director · since 29-03-2023 · term without a fixed end · Private limited company · permanent representative: losune Van Camp · listed in the 2025 annual accounts, filed on 30-07-2026

Current

Quiio

Director · since 29-03-2023 · term without a fixed end · Private limited company · permanent representative: Quirine Van Camp · listed in the 2025 annual accounts, filed on 30-07-2026

Current

Permanent representatives 2

losune Van Camp

Permanent representative · appointed in the act of 03-05-2023 · for Ioqui

Current

Quirine Van Camp

Permanent representative · appointed in the act of 03-05-2023 · for Quiio

Current

Office holders in the KBO →

Owners and capital

Shareholders

2 owners

Ioqui
Sourceaccounts Ioqui 2025
Equity €324,611 Profit of €29,154 in 2025 (profit of €188,187 in 2024) Checked score 90

50%
Quiio
Sourceaccounts Quiio 2025
Equity €325,430 Profit of €24,750 in 2025 (profit of €191,831 in 2024) Checked score 94

50%

Mandate history

4 people, 3 in office

All 4 In office 3 Ended 1

Board

Mandates per person, with start and end dates
Name	Functions and periods
Van Camp Gino Maurice	Director, from 12-03-2013 to date
Ioqui	Director, from 29-03-2023 to date
Quiio	Director, from 29-03-2023 to date
Ingrid Nuyts	Director, appointed in the act of 31-01-2022, until 08-01-2025

See the board, name and registered office on a given date →

Network & group

Companies at the same address

18 other companies

and 8 more

Connections & network

3 current directors

Depth

The board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.

This company Company Director Shareholding +N: links not shown yet

Timeline

Acts, filings and financial milestones

All 19Financial 4Gazette 5Filings 10

Deadline for the 2026 accounts: 31-07-2027

2026

30-07

NBB filing Annual accounts 2025 filedNBB

abbreviated format · 1 day before the deadline

11-06

Gazette deed Registered office moved within Antwerpen

New seat: 2018 Antwerpen, Rijfstraat 12 3e verdieping · Previous seat: 2018 Antwerpen, Vestingstraat 40 5e verdieping · Permanent representatives: Johan Jacobs, Kris Bollen and 4 others8 points ▸

Board meeting, 20-04-2026
Registered-office move, 2018 Antwerpen,Rijfstraat 12 3e verdieping
Permanent representative, Johan Jacobs (managing director)
Permanent representative, Kris Bollen (managing director)
Permanent representative, Sylvie van Mol (director)
Permanent representative, Greet Slegers (director)
Permanent representative, Koen Rymenants (director)
Permanent representative, Marchien de Ree (director)

Open the act in the Belgian Official Gazette

2025

24-07

NBB filing Annual accounts 2024 filedPDF

abbreviated format · 7 days before the deadline

08-01

Gazette deed Resignation: Ingrid Nuyts (director)

Permanent representatives: Johan Jacobs, Kris Bollen and 4 others · Director discharge9 points ▸

General meeting, 24-10-2024
Director resignation, Ingrid Nuyts (director)
Director discharge, Ingrid Nuyts, mentioned 2 times in the deed
Permanent representative, Johan Jacobs
Permanent representative, Kris Bollen
Permanent representative, Sylvie van Mol
Permanent representative, Greet Slegers
Permanent representative, Koen Rymenants
Permanent representative, Marchien de Ree

Open the act in the Belgian Official Gazette

2024

31-12

Financial Liquidity more than doubledcurrent ratio 5.16

The current ratio rises from 2.10 to 5.16. Short-term debt falls from €390,912 to €149,169.

08-07

NBB filing Annual accounts 2023 filedPDF

abbreviated format · 23 days before the deadline

2023

03-05

Gazette deed 2 directors appointed

Appointments: QUIIO BV (director) and IOQUI BV (director) · Permanent representatives: Quirine Van Camp, losune Van Camp and 6 others11 points ▸

General meeting, 29-03-2023
Director appointment, QUIIO BV (director)
Permanent representative, Quirine Van Camp
Director appointment, IOQUI BV (director)
Permanent representative, losune Van Camp
Permanent representative, Johan Jacobs
Permanent representative, Kris Bollen
Permanent representative, Sylvie van Mol
Permanent representative, Koen Rymenants
Permanent representative, Peter Rymenants
Permanent representative, Greet Slegers

Open the act in the Belgian Official Gazette

02-03

NBB filing Annual accounts 2022 filedPDF

abbreviated format · 151 days before the deadline

2022

31-12

Financial Highest result from 2018 to 2025net €236,235 ▲26.6%

The operating result of €307,585 and the net result of €236,235 are both a record.

02-06

NBB filing Annual accounts 2021 filedPDF

micro format · 59 days before the deadline

31-01

Gazette deed Appointment: Ingrid Nuyts (director)

Permanent representatives: Johan Jacobs, Kris Bollen and 2 others6 points ▸

General meeting, 01-10-2021
Director appointment, Ingrid Nuyts (director)
Permanent representative, Johan Jacobs
Permanent representative, Kris Bollen
Permanent representative, Sylvie van Mol
Permanent representative, Greet Slegers

Open the act in the Belgian Official Gazette

2021

31-12

Financial Equity above €500,000equity €503,302 ▲52.7%

With a profit in every financial year since 2018, equity grows to €503,302.

Show earlier events

31-08

NBB filing Annual accounts 2020 filedPDF

micro format · 31 days late

2020

08-10

NBB filing Annual accounts 2019 filedPDF

micro format · 69 days late

2019

31-12

Financial Equity above €200,000equity €203,706 ▲19.1%

With a profit in every financial year since 2018, equity grows to €203,706.

30-07

NBB filing Annual accounts 2018 filedPDF

micro format · 1 day before the deadline

2018

30-08

NBB filing Annual accounts 2017 filedPDF

abbreviated format · 30 days late

2017

28-07

NBB filing Annual accounts 2016 filedPDF

abbreviated format · 3 days before the deadline

2013

21-03

Gazette deed IncorporationPDF

Show all 12 filings

Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.

Sources:Publications in the Belgian Official Gazette Filings with the National Bank

History

FLUENTES was incorporated on 12 March 2013.¹ The registered office was moved to Antwerpen in 2026.² Total assets rose from €255,239 in 2018 to €1.2m in 2025 and headcount from 2.1 to 2.5 full-time equivalents.³

Company details

Register details

Identity

KBO record

Name FLUENTES in Dutch

Enterprise number 0521.929.779

Legal form Private limited company

Status Active, normale toestand

Founded 12-03-2013

Entity type Legal entity

Registered office and establishments

Registered office Rijfstraat 12, 2018 Antwerpen, Belgium

Establishment unit Fluentes, Rijfstraat 12, 2018 Antwerpen since 12-03-2013 · unit number 2.217.466.322

Activities

NACEBEL 2025

VAT activities

32123 Manufacture of jewellery main activity

47770 Retail sale of watches and jewellery

Social security (RSZ) activities

32123 Manufacture of jewellery main activity

Codes under NACEBEL 2008

VAT activities

32123 Manufacture of jewellery main activity

47770 Retail trade

Social security (RSZ) activities

32123 Manufacture of jewellery main activity

Joint committees 149.03 Paritair Subcomité voor de edele metalen

200 Aanvullend Paritair Comité voor de bedienden annual accounts 2025

Invoicing and payment

VAT number BE 0521.929.779

E-invoicing via Peppol

Reachable via Peppol

Peppol ID 0208:0521929779

Other Peppol ID 9925:BE0521929779

Registered 11-12-2025

Follow this company and you will hear the next morning if it leaves the Peppol register.

Financial year and general meeting

Accounts at the NBB

Financial year end 31-12

Sites & property

Location

registered office establishment The establishment unit on the map

19 companies at this address See who is registered here

Buildings and parcels at the address

Ground area

4,638 m²

Building footprint

4,457 m²

Building volume

99,254 m³

Cadastral parcel	Region	Area	Buildings	Height / floors
11808H1172/00K003	Flanders	4,638 m²	1 · 4,457 m²	27.6 m · 8

Overview

Overview

Official details

Board and ownership

Financial position

Checked score

Signals

Financials

Financials · financial year 2025, abbreviated format

Staff

Investments

Historical observation

Board & ownership

Directors

Board 3

Owners and capital

Shareholders

Owners 2

Mandate history

Network & group

Companies at the same address

Connections & network

Timeline

Acts, filings and financial milestones

History

Company details

Register details

Identity

Registered office and establishments

Activities

Invoicing and payment

Financial year and general meeting

Sites & property

Buildings and parcels at the address