IMAGE FLORAL
ActiveIMAGE FLORAL has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €573k and a net result of €144k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 85% of 9623 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability92▲+7
Solvency99▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 4.16 against 2.8 in 2023; short-term debt: 19.6% and cash: 53.2% of total assets), and 26.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
73.8%
Return on assets
18.5%
Age of the figures
21 mo
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 28-07-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
30 d late
2022
on the day
2021
31 d late
2020
30 d late
2019
90 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€573k▲ 25.2%
2023 · €458k
2018: €203k
2019: €240k
2020: €269k
2021: €301k
2022: €405k
2023: €458k
2018 → 2024
Total assets
€777k▲ 4.5%
2023 · €744k
2018: €555k
2019: €513k
2020: €506k
2021: €757k
2022: €743k
2023: €744k
2018 → 2024
Net result
€144k▲ 52.3%
2023 · €94k
2018: €18k
2019: €37k
2020: €48k
2021: €62k
2022: €118k
2023: €94k
2018 → 2024
Working capital
€482k▲ 16.7%
2023 · €413k
2018: €90k
2019: €154k
2020: €212k
2021: €248k
2022: €348k
2023: €413k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€269k-€301k▲ 12.2%€405k▲ 34.2%€458k▲ 13.2%€573k▲ 25.2%
Operating result€70k-€98k▲ 40.2%€174k▲ 77.3%€125k▼ 27.9%€196k▲ 56.3%
Net result€48k-€62k▲ 28.4%€118k▲ 91.9%€94k▼ 20.3%€144k▲ 52.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 56% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €777k
Fixed assets
€143k▲ 41.0%
Current assets
€634k▼ 1.3%
Equity and liabilities €777k
Equity
€573k▲ 25.2%
Provisions
€51k=
Debt
€153k▼ 35.0%
The debt ratio falls from 31.5% to 19.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€223k▲
2023 · €158k
Cash flow
€171k▲
2023 · €128k
Solvency
73.8%▲
2023 · 61.5%
Current ratio
4.16▲
2023 · 2.80
Quick ratio
3.76▲
2023 · 2.31
Debt / equity
0.27▼
2023 · 0.51
ROE
25.0%▲
2023 · 20.6%
ROA
18.5%▲
2023 · 12.7%
Interest coverage
93.63▲
2023 · 48.41
Debt
€153k▼
2023 · €235k
Debt ≤ 1 year
€153k▼
2023 · €230k
Debt > 1 year
€0▼
2023 · €5k
Income taxes
€61k▲
2023 · €31k
Staff costs
€207k▼
2023 · €214k
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€744k€777k▲
Fixed assets21/28€102k€143k▲
Intangible fixed assets21€3k€4k▲
Tangible fixed assets22/27€99k€140k▲
Land and buildings22€56k€66k▲
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€33k€65k▲
Other tangible fixed assets26€6k€5k▼
Current assets29/58€642k€634k▼
Amounts receivable after more than one year29€12k€8k▼
Other amounts receivable291€12k€8k▼
Stocks and contracts in progress3€112k€60k▼
Stocks30/36€112k€60k▼
Amounts receivable within one year40/41€230k€147k▼
Trade receivables40€187k€126k▼
Other amounts receivable41€43k€21k▼
Cash at bank and in hand54/58€282k€414k▲
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€744k€777k▲
Equity10/15€458k€573k▲
Contributions10/11€20k€20k=
Reserves13€436k€552k▲
Non-distributable reserves130/1€8k€0▼
Reserves not available under the articles1311€8k€0▼
Distributable reserves133€428k€552k▲
Profit (loss) carried forward14€2k€2k=
Provisions and deferred taxes16€51k€51k=
Provisions for liabilities and charges160/5€51k€51k=
Pensions and similar obligations160€51k€51k=
Amounts payable17/49€235k€153k▼
Amounts payable after more than one year17€5k€0▼
Financial debts170/4€5k€0▼
Amounts payable within one year42/48€230k€153k▼
Current portion of amounts payable after more than one year42€15k€5k▼
Financial debts43€8k€7k▼
Credit institutions430/8€184€300▲
Other loans439€8k€7k▼
Trade debts44€90k€42k▼
Suppliers440/4€90k€42k▼
Taxes, remuneration and social security45€117k€71k▼
Taxes450/3€92k€46k▼
Remuneration and social security454/9€25k€25k▼
Other amounts payable47/48€0€27k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Non-recurring operating income76A€0€3k▲
Remuneration, social security and pensions62€214k€207k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€28k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€20k
Other operating charges640/8€10k€9k▼
Gross operating margin9900€382k€460k▲
Operating profit (loss)9901€125k€196k▲
Financial income75/76B€3k€11k▲
Recurring financial income75€3k€11k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€125k€204k▲
Income taxes67/77€31k€61k▲
Profit (loss) for the period9904€94k€144k▲
Profit (loss) for the period to be appropriated9905€94k€144k▲
Appropriation of the result
Profit (loss) to be appropriated9906€96k€145k▲
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer from equity791/2€41k€18k▼
Transfer to equity691/2€94k€134k▲
To other reserves6921€94k€134k▲
Profit to be distributed694/7€41k€28k▼
Return on contributions (dividend)694€41k€18k▼
Directors or managers695-€10k
Social balance
Average headcount (FTE)90877.97.4▼
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
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €144k ▲52.3%
Operating result €196k, net result €144k, both a record.
31-12
Financial
Equity above €500kEq €573k ▲25.2%
7 profitable years in a row build equity to €573k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 90 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 23 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 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 2025
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.
16-11-2025
Van Riet Benjamin: Resigned as Director
09-07-2024
Van Riet Benjamin: Resigned as Manager
09-07-2024
Christine Veyt: Resigned as Manager
Location & real-estate footprint
Registered office, Puurs-Sint-Amands · 1 establishment unit since 2003
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.
Hemelrijken 22890 Puurs-Sint-AmandsGround area
652 m²
Building footprint
707 m²
Volume, LiDAR
3,942 m³
Parcel 12034A0403/00M000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hemelrijken 2, 2890 Puurs-Sint-Amands
since 20032.131.587.569
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12034A0403/00M000 | Flanders | 652 m² | 1 · 707 m² | 6.6 m · 2 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.
Similar companies · same sector, comparable size
ARTISTIC
BE 0830.532.806
Oudenaarde · Eq €574k
Tuincentrum Boons-Steegmans
BE 0425.684.597
Tessenderlo-Ham · Eq €574k
GOLIE
BE 0446.637.092
Lier · Eq €575k
FMH
BE 0462.535.887
Leuven · Eq €578k
JE-BA
BE 0474.942.286
Temse · Eq €565k
Of 3,387 companies in sector 47761 we hold annual accounts for 1,156. 805 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-2003
Fiscal year end31-12
Activities, NACEBEL
46499Wholesale of other household goods
47761Retail sale of flowers, plants, seeds and fertilisers
47789Other retail sale of new goods
51478
52483
32990Other manufacturing not elsewhere classified
Sources
Crossroads Bank for EnterprisesNational Bank · 21 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.