FMH
ActiveFMH has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €578k and a net result of €-29k. Equity is growing by ~104.3% per year across the filed fiscal years. Its solvency ranks better than 40% of 9623 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability31▼-9
Solvency55▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.68 against 0.45 in 2023; short-term debt: 26.8% of total assets), and 69.5% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
30.5%
Return on assets
-1.5%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-29k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-10-2025, 83 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
83 d late
2023
31 d late
2022
129 d late
2021
on the day
2020
31 d early
2019
137 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€578k▼ 4.7%
2023 · €607k
2018: €12k
2019: €21k
2020: €53k
2021: €216k
2022: €215k
2023: €607k
2018 → 2024
Total assets
€1.90M▼ 2.0%
2023 · €1.94M
2018: €409k
2019: €491k
2020: €456k
2021: €1.38M
2022: €1.48M
2023: €1.94M
2018 → 2024
Net result
€-29k▲ 1.4%
2023 · €-29k
2018: €-15k
2019: €8k
2020: €32k
2021: €64k
2022: €-1k
2023: €-29k
2018 → 2024
Working capital
€-160k▲ 54.8%
2023 · €-354k
2018: €-11k
2019: €44k
2020: €59k
2021: €-148k
2022: €-327k
2023: €-354k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€53k-€216k▲ 311%€215k▼ 0.6%€607k▲ 182%€578k▼ 4.7%
Operating result€43k-€93k▲ 116%€22k▼ 76.2%€-6k€21k
Net result€32k-€64k▲ 99.1%€-1k€-29k▼ 2,160%€-29k▲ 1.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €21k after a loss of €6k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.90M
Fixed assets
€1.55M▼ 5.9%
Current assets
€348k▲ 19.8%
Equity and liabilities €1.90M
Equity
€578k▼ 4.7%
Debt
€1.32M▼ 0.8%
The debt ratio rises from 68.7% to 69.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€83k▲
2023 · €64k
Cash flow
€33k▼
2023 · €41k
Solvency
30.5%▼
2023 · 31.3%
Current ratio
0.68▲
2023 · 0.45
Quick ratio
0.36▲
2023 · 0.20
Debt / equity
2.28▲
2023 · 2.19
ROE
-5.0%▼
2023 · -4.8%
ROA
-1.5%▼
2023 · -1.5%
Interest coverage
1.68▼
2023 · 2.81
Debt
€1.32M▼
2023 · €1.33M
Debt ≤ 1 year
€508k▼
2023 · €645k
Debt > 1 year
€779k▲
2023 · €669k
Income taxes
€770▲
2023 · €657
Staff costs
€68k▼
2023 · €173k
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€1.94M€1.90M▼
Fixed assets21/28€1.65M€1.55M▼
Tangible fixed assets22/27€1.63M€1.54M▼
Land and buildings22€1.51M€1.44M▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€6k€3k▼
Other tangible fixed assets26€108k€87k▼
Financial fixed assets28€13k€13k=
Current assets29/58€291k€348k▲
Stocks and contracts in progress3€159k€165k▲
Stocks30/36€159k€165k▲
Amounts receivable within one year40/41€48k€176k▲
Trade receivables40€36k€97k▲
Other amounts receivable41€12k€79k▲
Deferred charges and accrued income490/1€83k€8k▼
Equity and liabilities
Total equity and liabilities10/49€1.94M€1.90M▼
Equity10/15€607k€578k▼
Contributions10/11€134k€134k=
Revaluation surpluses12€421k€421k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€49k€20k▼
Amounts payable17/49€1.33M€1.32M▼
Amounts payable after more than one year17€669k€779k▲
Financial debts170/4€669k€779k▲
Amounts payable within one year42/48€645k€508k▼
Current portion of amounts payable after more than one year42€37k€40k▲
Financial debts43-€5k
Other loans439-€5k
Trade debts44€172k€243k▲
Suppliers440/4€172k€243k▲
Taxes, remuneration and social security45€46k€44k▼
Taxes450/3€27k€27k▼
Remuneration and social security454/9€19k€17k▼
Other amounts payable47/48€390k€177k▼
Accrued charges and deferred income492/3€16k€31k▲
Income statement
Code20232024
Non-recurring operating income76A€396€185k▲
Remuneration, social security and pensions62€173k€68k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€62k▼
Other operating charges640/8€18k€19k▲
Gross operating margin9900€256k€170k▼
Operating profit (loss)9901€-6k€21k▲
Financial income75/76B€8€5▼
Recurring financial income75€8€5▼
Financial charges65/66B€23k€49k▲
Recurring financial charges65€23k€49k▲
Profit (loss) for the period before taxes9903€-29k€-28k▲
Income taxes67/77€657€770▲
Profit (loss) for the period9904€-29k€-29k▲
Profit (loss) for the period to be appropriated9905€-29k€-29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€20k▼
Profit (loss) brought forward from the previous period14P€78k€49k▼
Social balance
Average headcount (FTE)90875.02.6▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 83 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €607k ▲182%
Equity rises from €215k to €607k.
07-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 129 days late
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €64k ▲99.1%
Operating result €93k, net result €64k, both a record.
31-12
Financial
Equity above €200kEq €216k ▲311%
3 profitable years in a row build equity to €216k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 137 days late
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
28-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 150 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
04-10-2021
GOSIAU: Resigned as Director
04-10-2021
GOSIAU Stephan: Resigned as Director
04-10-2021
GOSIAU Stephanie: Resigned as Director
23-08-2018
CROMBEZ Marina Maria Paula: Resigned as Manager
23-08-2018
GOSIAU Stephan Jean Armand: Resigned as Manager
Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 1998
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.
Musbergpad 513010 LeuvenGround area
259 m²
Building footprint
92 m²
Volume, LiDAR
1,159 m³
2 parcels, Flanders · tallest building 22.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
MIRTE
since 19982.085.405.077
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24505F0502/00F000 | Flanders | 216 m² | 1 · 46 m² | 13.9 m · 4 fl. |
| 24051B0024/00Z000 | Flanders | 43 m² | 1 · 47 m² | 21.9 m · 5 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 5,478 EUR awarded · 5,478 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 0 EUR |
| 2024 | 1 | 1,721 EUR | 1,721 EUR |
| 2023 | 2 | 3,624 EUR | 3,624 EUR |
| 2022 | 1 | 133 EUR | 133 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Stagebonus (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
8 live approvals · 8 endedAssistent florist (vwo)
Florist (vwo)
Florist (vwo)
Florist duaal (so)
Florist duaal (so)
Groendecoratie duaal (so)
Show 2 more
Medewerker florist (vwo)
Medewerker florist duaal (so)
Similar companies · same sector, comparable size
GOLIE
BE 0446.637.092
Lier · Eq €575k
Tuincentrum Boons-Steegmans
BE 0425.684.597
Tessenderlo-Ham · Eq €574k
ARTISTIC
BE 0830.532.806
Oudenaarde · Eq €574k
IMAGE FLORAL
BE 0479.774.668
Puurs-Sint-Amands · Eq €573k
PIAZZA FIORI
BE 0453.896.850
Dilbeek · Eq €587k
Of 3,387 companies in sector 47761 we hold annual accounts for 1,156. 802 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-1998
Fiscal year end31-12
Abbreviation NL
F.M.H.
Activities, NACEBEL
47761Retail sale of flowers, plants, seeds and fertilisers
52483
74203
71121Engineering and related technical consultancy, excluding land surveyors
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.