FLUV IMMO
ActiveFLUV IMMO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €113k and a net result of €19k. Equity is growing by ~52.2% per year across the filed fiscal years. Its solvency ranks better than 14% of 4626 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability84▲+61
Solvency5▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.17 against 0.11 in 2023), and 92.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 4626 sector peers (2024).
NBB · sector comparisonPosition among 4626 sector peers
Solvency
better than 14%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-12-2025, 131 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
131 d late
2023
93 d late
2022
92 d late
2021
78 d late
2020
59 d late
2019
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€19k▲ 328%
2023 · €4k
2019: €-15k
2020: €377
2021: €17k
2022: €69k
2023: €4k
2019 → 2024
Working capital
€-779k▲ 31.1%
2023 · €-1.13M
2019: €-26k
2020: €-71k
2021: €-599k
2022: €-883k
2023: €-1.13M
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-9k-€9k€90k▲ 930%€94k▲ 4.9%€113k▲ 20.1%
Operating result€3k-€33k▲ 1,143%€118k▲ 262%€61k▼ 48.7%€-26k
Net result€377-€17k▲ 4,470%€69k▲ 298%€4k▼ 93.6%€19k▲ 328%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €26k after €61k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.48M
Fixed assets
€1.32M▼ 6.9%
Current assets
€164k▲ 14.9%
Equity and liabilities €1.48M
Equity
€113k▲ 20.1%
Provisions
€20k=
Debt
€1.35M▼ 6.6%
The debt ratio falls from 92.7% to 91.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€-9k▼
2023 · €78k
Cash flow
€36k▲
2023 · €22k
Solvency
7.6%▲
2023 · 6.0%
Current ratio
0.17▲
2023 · 0.11
Quick ratio
0.17▲
2023 · 0.11
Debt / equity
11.92▼
2023 · 15.34
ROE
16.7%▲
2023 · 4.7%
ROA
1.3%▲
2023 · 0.3%
Interest coverage
-1.00▼
2023 · 1.48
Debt
€1.35M▼
2023 · €1.44M
Debt ≤ 1 year
€942k▼
2023 · €1.27M
Debt > 1 year
€397k▲
2023 · €172k
Income taxes
€18k▲
2023 · €4k
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€1.56M€1.48M▼
Fixed assets21/28€1.42M€1.32M▼
Tangible fixed assets22/27€523k€481k▼
Land and buildings22€478k€468k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€39k€7k▼
Financial fixed assets28€894k€838k▼
Current assets29/58€142k€164k▲
Amounts receivable within one year40/41€142k€155k▲
Trade receivables40€141k€154k▲
Other amounts receivable41€501€1k▲
Cash at bank and in hand54/58€799€8k▲
Equity and liabilities
Total equity and liabilities10/49€1.56M€1.48M▼
Equity10/15€94k€113k▲
Contributions10/11€19k€19k=
Reserves13€76k€95k▲
Tax-exempt reserves132€61k€61k=
Distributable reserves133€14k€33k▲
Provisions and deferred taxes16€20k€20k=
Deferred taxes168€20k€20k=
Amounts payable17/49€1.44M€1.35M▼
Amounts payable after more than one year17€172k€397k▲
Financial debts170/4€172k€397k▲
Amounts payable within one year42/48€1.27M€942k▼
Current portion of amounts payable after more than one year42€10k€11k▲
Trade debts44€11k€12k▲
Suppliers440/4€11k€12k▲
Advances received on contracts in progress46-€13k
Taxes, remuneration and social security45€26k€22k▼
Taxes450/3€26k€22k▼
Other amounts payable47/48€1.23M€885k▼
Accrued charges and deferred income492/3€0€10k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Other operating charges640/8€31k€919▼
Gross operating margin9900€109k€-8k▼
Operating profit (loss)9901€61k€-26k▼
Financial income75/76B€0€73k▲
Recurring financial income75€0€73k▲
Financial charges65/66B€53k€9k▼
Recurring financial charges65€53k€9k▼
Profit (loss) for the period before taxes9903€8k€37k▲
Transfer from deferred taxes780€539€0▼
Transfer to deferred taxes680€0-
Income taxes67/77€4k€18k▲
Profit (loss) for the period9904€4k€19k▲
Transfer from tax-exempt reserves789€2k€0▼
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€6k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€19k▲
Transfer to equity691/2€6k€19k▲
To other reserves6921€6k€19k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 131 days late
2024
31-12
Financial
Equity above €100kEq €113k ▲20.1%
5 profitable years in a row build equity to €113k.
01-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 93 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 92 days late
2022
31-12
Financial
Highest result since 2019net €69k ▲298%
Operating result €118k, net result €69k, both a record.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 78 days late
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 59 days late
2020
31-12
Financial
Back to profitnet €377
Net result €377 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 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, Comines-Warneton · 1 establishment unit since 2019
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.
Steenbakkerijweg(WAA) 77784 Comines-WarnetonGround area
735 m²
Building footprint
38 m²
Volume, LiDAR
312 m³
Parcel 54009D0239/00K002, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FLUV IMMO
since 20192.341.179.528
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54009D0239/00K002 | Wallonia | 735 m² | 1 · 38 m² | 9.6 m · 3 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 7,320 companies in sector 68110 we hold annual accounts for 5,380. 3,748 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-2019
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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
1 entryE-mail:fluvialys@hotmail.com