Fluo
ActiveFluo has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €16k. Its solvency ranks better than 36% of 1402 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▲+51
Solvency46▼-6
Growth52
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.33 in 2024; short-term debt: 78.5% and cash: 2.3% of total assets), and 78.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
21.5%
Return on assets
5.4%
Age of the figures
9 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 24-08-2026, 24 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 · 2 filingsDeviation from the deadline
2025
24 d late
2024
26 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€769k▼ 28.3%
2024 · €1.07M
2024: €1.07M
2024 → 2025
EBIT margin
3.3%▲ 4.4pp
2024 · -1.0%
2024: -1.0%
2024 → 2025
Net result
€16k
2024 · €-14k
2024: €-14k
2024 → 2025
Working capital
€52k▲ 20.3%
2024 · €43k
2024: €43k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€1.07M-€769k▼ 28.3%
Equity€48k-€64k▲ 33.8%
Operating result€-11k-€26k
Net result€-14k-€16k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €26k after a loss of €11k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €297k
Fixed assets
€12k▲ 166%
Current assets
€285k▲ 64.6%
Equity and liabilities €297k
Equity
€64k▲ 33.8%
Provisions
€124
Debt
€233k▲ 79.3%
The debt ratio rises from 73.2% to 78.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▲
2024 · €-9k
Cash flow
€20k▲
2024 · €-12k
Solvency
21.5%▼
2024 · 26.8%
Current ratio
1.22▼
2024 · 1.33
Quick ratio
1.22▼
2024 · 1.33
Debt / equity
3.65▲
2024 · 2.73
ROE
25.3%▲
2024 · -29.9%
ROA
5.4%▲
2024 · -8.0%
Interest coverage
10.22▲
2024 · -2.67
Debt
€233k▲
2024 · €130k
Debt ≤ 1 year
€233k▲
2024 · €130k
Income taxes
€7k▲
2024 · €275
Staff costs
€530k▼
2024 · €578k
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€178k€297k▲
Fixed assets21/28€5k€12k▲
Tangible fixed assets22/27€5k€12k▲
Plant, machinery and equipment23€5k€12k▲
Current assets29/58€173k€285k▲
Amounts receivable within one year40/41€164k€275k▲
Trade receivables40€116k€193k▲
Other amounts receivable41€49k€82k▲
Cash at bank and in hand54/58€6k€7k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€178k€297k▲
Equity10/15€48k€64k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13-€1k
Non-distributable reserves130/1-€1k
Legal reserve130-€1k
Profit (loss) carried forward14€-14k€886▲
Provisions and deferred taxes16-€124
Provisions for liabilities and charges160/5-€124
Pensions and similar obligations160-€124
Amounts payable17/49€130k€233k▲
Amounts payable within one year42/48€130k€233k▲
Trade debts44€46k€83k▲
Suppliers440/4€46k€83k▲
Advances received on contracts in progress46-€26k
Taxes, remuneration and social security45€84k€125k▲
Taxes450/3€46k€63k▲
Remuneration and social security454/9€39k€62k▲
Income statement
Code20242025
Turnover70€1.07M€769k▼
Goods, raw materials, services and sundry goods60/61€505k€448k▼
Remuneration, social security and pensions62€578k€530k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€124
Other operating charges640/8€2k€2k▲
Gross operating margin9900€570k€562k▼
Operating profit (loss)9901€-11k€26k▲
Financial income75/76B€599€383▼
Recurring financial income75€599€383▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-14k€23k▲
Income taxes67/77€275€7k▲
Profit (loss) for the period9904€-14k€16k▲
Profit (loss) for the period to be appropriated9905€-14k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€2k▲
Profit (loss) brought forward from the previous period14P-€-14k
Transfer to equity691/2-€1k
To the legal reserve6920-€1k
Social balance
Average headcount (FTE)90875.98.6▲
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
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 24 days late
2025
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 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, Gent · 1 establishment unit since 2023
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.
Sint-Salvatorstraat 189000 GentGround area
1,722 m²
Building footprint
1,705 m²
Volume, LiDAR
23,916 m³
Parcel 44021A2735/00S002, Flanders · tallest building 16.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Fluo
since 20232.348.886.474
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A2735/00S002 | Flanders | 1,722 m² | 1 · 1,705 m² | 15.9 m · 5 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.
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Of 29,995 companies in sector 62200 we hold annual accounts for 18,391. 15,509 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-01-2023
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.