INTER FLOWER
ActiveSummary
INTER FLOWER has been active since 1993 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.5m and a net result of €24,020. Equity has been growing by about 16% per year since 2018. Its solvency ranks better than 50% of 12,777 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 04-03-1993 Normal situation
- Activity
- Retail sale of flowers, plants, seeds and fertilisers NACE 47761and 3 others
- Establishment unit
- 2.061.851.794 9160 Lokeren, since 27-04-1993
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Board and ownership
Board
Shareholders
- VAN DE CASSERIE AZALEAKWEKERIJ69%· score 962025 annual accounts of VAN DE CASSERIE AZALEAKWEKERIJ
- KAREL VAN DE CASSERIE14%annual accounts 2020
- PIET VAN DE CASSERIE14%annual accounts 2020
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.4%
Annual accounts 2025
- Gross margin
- €3.2m
- ▲ 4.3%
- Turnover
- ≈ €8.0m
- estimated
- Profit
- €24,020
- ▼ 97.8%
- Equity
- €2.5m
- ▲ 1.0%
- Total assets
- €6.6m
- ▼ 1.1%
- Employees on 31-12-2025
- 35
- ▼ 7.9%
- 2025 accounts filed 31 days after the deadline
Score breakdownraises riskLast filed accounts filed 31 days late; 2 of the last 3 accounts lateProfit of €24,020 (financial year 2025)Sector: Retail trade (NACE 47)lowers riskFounded in 1993Show the evidence
Checked score
Score 2025
84
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 46% of small companies in retail trade (NACE 47)
Financial strength · tick: 2024
Average
Solvency
62+1
equity 37.0% of total assets
Liquidity
44-4
short-term debt 39.8% · cash 9.8%
Profitability
54-35
return on assets 0.4%
Bankruptcy probability within 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.3%▲ +0.1 percentage points vs 07-2025
09-2025: 0.4%▲ +0.1 percentage points vs 08-2025
10-2025: 0.1%▼ -0.3 percentage points 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 02-2026lowest value
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%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.3 percentage points vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026highest value
10-2026: 0.4%● unchanged vs 09-2026highest value
11-2026: 0.4%● unchanged vs 10-2026highest value
Credit of up to €200,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.48 (1.39 in 2024), below the usual 1.5. Short-term debt is 39.8% and cash 9.8% of total assets. 63% 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 47, small). It does better than 58% of them on solvency, 51% on liquidity, 35% on profitability and 41% 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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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
29 days late
2023
60 days late
2022
21 days late
2021
29 days late
2020
9 days late
2019
66 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 35 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · 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 29 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
2025 annual accounts filed 31 days after the deadline Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00500428.
Annual accounts 2025 filed on 31-08-2026 at the NBB all 32 filings
Turnover
≈ €8.0m
Estimated: probably between €6.2m and €12.0m
Total assets
€6.6m▼ 1.1%
2024 · €6.7m
Net result
€24,020▼ 97.8%
2024 · €1.1m
Working capital
€1.3m▲ 26.0%
2024 · €1.0m
In the rankings
#7 employer in Lokeren, Wholesale and retail trade sector
Multi-year overview
2018 to 2025, 8 financial yearsOperating result
€68,035
▼ 89.9%
2025
20182025
Net result
€24,020
▼ 97.8%
2025
middle half of the sector
20182025
Equity
€2.5m
▲ 1.0%
2025
highest quarter of the sector
20182025
Total assets
€6.6m
▼ 1.1%
2025
highest quarter of the sector
20182025
Debt
€4.0m
▼ 2.2%
2025
20182025
Working capital
€1.3m
▲ 26.0%
2025
highest quarter of the sector
20182025
Solvency
37.0%
▲ 0.8pp
2025
middle half of the sector
20182025
Current ratio
1.48
▲ 0.08
2025
middle half of the sector
20182025
Return on assets (ROA)
0.4%
▼ 15.6pp
2025
middle half of the sector
20182025
Staff (FTE)
46.5
▼ 1.1%
2025
highest quarter of the sector
20182025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€0.3m-€0.3m▲ 16.9%€0.4m▲ 30.4%€0.9m▲ 101%€0.6m▼ 32.9%€1.0m▲ 64.6%€0.7m▼ 32.9%€0.07m▼ 89.9%
Net result€0.1m-€0.3m▲ 101%€0.4mabove the sector's middle half▲ 18.7%€0.7mabove the sector's middle half▲ 108%€0.5mabove the sector's middle half▼ 36.1%€0.8mabove the sector's middle half▲ 65.5%€1.1mabove the sector's middle half▲ 38.2%€0.02mwithin the sector's middle half▼ 97.8%
Equity€0.7m-€0.9m▲ 20.2%€1.2mabove the sector's middle half▲ 40.4%€1.6mabove the sector's middle half▲ 29.2%€1.6mabove the sector's middle half▲ 4.3%€1.8mabove the sector's middle half▲ 9.8%€2.4mabove the sector's middle half▲ 34.6%€2.5mabove the sector's middle half▲ 1.0%
Total assets€2.4m-€2.4m▲ 2.6%€3.9mabove the sector's middle half▲ 59.4%€3.9mabove the sector's middle half=€4.3mabove the sector's middle half▲ 12.3%€4.7mabove the sector's middle half▲ 8.7%€6.7mabove the sector's middle half▲ 42.5%€6.6mabove the sector's middle half▼ 1.1%
Debt€1.6m-€1.6m▼ 5.2%€2.6m▲ 70.0%€2.3m▼ 13.6%€2.7m▲ 17.8%€2.9m▲ 8.0%€4.1m▲ 40.4%€4.0m▼ 2.2%
Working capital€0.5m-€0.5m▲ 3.5%€0.3mwithin the sector's middle half▼ 35.0%€0.3mwithin the sector's middle half▼ 17.8%€0.3mwithin the sector's middle half▲ 15.3%€0.3mwithin the sector's middle half▲ 4.4%€1.0mabove the sector's middle half▲ 210%€1.3mabove the sector's middle half▲ 26.0%
Solvency30.7%-35.9%▲ 5.3pp31.7%within the sector's middle half▼ 4.3pp40.9%within the sector's middle half▲ 9.3pp38.0%within the sector's middle half▼ 2.9pp38.4%within the sector's middle half▲ 0.4pp36.3%within the sector's middle half▼ 2.1pp37.0%within the sector's middle half▲ 0.8pp
Current ratio1.42-1.41▼ 0.011.19within the sector's middle half▼ 0.221.18within the sector's middle half▼ 0.011.15within the sector's middle half▼ 0.021.14within the sector's middle half▼ 0.021.39within the sector's middle half▲ 0.261.48within the sector's middle half▲ 0.08
Return on assets (ROA)6.2%-12.2%▲ 6.0pp9.1%within the sector's middle half▼ 3.1pp19.0%above the sector's middle half▲ 9.9pp10.8%within the sector's middle half▼ 8.2pp16.5%above the sector's middle half▲ 5.6pp16.0%above the sector's middle half▼ 0.5pp0.4%within the sector's middle half▼ 15.6pp
Staff (FTE)36.4-35▼ 3.8%38above the sector's middle half▲ 8.6%38above the sector's middle half=38.4above the sector's middle half▲ 1.1%40.7above the sector's middle half▲ 6.0%47above the sector's middle half▲ 15.5%46.5above the sector's middle half▼ 1.1%
above
within
below
The sector band is the middle half of the companies in Retail trade (NACE 47). 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 90% lower than in 2024 and the lowest since 2021. It is the second fall in a row.
Turnover and EBIT margin are not published. The abbreviated 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 €6.6m
Fixed assets
€2.7m ▼ 13.7%
Current assets
€3.9m ▲ 10.0%
Equity and liabilities €6.6m
Equity
€2.5m ▲ 1.0%
Provisions
€194,837 ▼ 5.0%
Debt
€4.0m ▼ 2.2%
Debt's share of the balance-sheet total falls from 60.7% to 60.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€487,422▼
2024 · €1.1m
Cash flow
€443,407▼
2024 · €1.5m
Quick ratio
1.10▼
2024 · 1.17
Debt to equity
1.62▼
2024 · 1.67
ROE
1.0%▼
2024 · 44.0%
Interest coverage
4.19▼
2024 · 8.97
Debt ≤ 1 year
€2.6m▲
2024 · €2.5m
Debt > 1 year
€1.3m▼
2024 · €1.5m
Income taxes
€4,437▼
2024 · €155,704
Staff costs
€1.9m▲
2024 · €1.9m
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 41 | 39 | 38 | 38 | 35 |
| full-time | 18 | 16 | 21 | 24 | 24 |
| part-time | 23 | 23 | 17 | 14 | 11 |
| in full-time equivalents | 33.6 | 31.8 | 31.1 | 33.8 | 31.3 |
| Average over the year, in full-time equivalents | 37.8 | 38.4 | 40.7 | 47 | 46.5 |
| On a permanent contract | 29 | 35 | 36 | 32 | 30 |
| Joined | 20 | 32 | 31 | 39 | 45 |
| Left | 25 | 34 | 732 | 39 | 48 |
Source: social balance sheet in the 2021 to 2025 annual accounts
Securities and guarantees
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Debts secured on the company's own assets | - | - | - | €1.7m | €1.6m |
| Pledge on the business | - | - | - | €495,000 | €495,000 |
Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €574,831 | €296,335 | €422,367 | €2.0m | €701,142 |
| Depreciation and write-downs of the year | €296,376 | €355,481 | €380,203 | €420,862 | €419,387 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2022 to 2025 · 3 entries · €5,217 awarded · €5,166 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €3,665 | €3,665 |
| 2023 | 1 | €689 | €638 |
| 2022 | 1 | €863 | €863 |
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €0.07m | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | €1.4m | €1.6m | €1.7m | €1.9m | €1.9m | ▲ 1.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.2m | €0.2m | €0.3m | €0.3m | €0.4m | €0.4m | €0.4m | €0.4m | ▼ 0.4% |
| Other operating charges640/8 | - | - | - | €0.04m | €0.04m | €0.04m | €0.05m | €0.04m | ▼ 21.8% |
| Non-recurring operating charges66A | - | - | - | - | - | - | - | €0.7m | - |
| Gross operating margin9900 | €1.9m | €2.0m | €2.1m | €2.7m | €2.6m | €3.2m | €3.0m | €3.2m | ▲ 4.3% |
| Operating profit (loss)9901 | €0.3m | €0.3m | €0.4m | €0.9m | €0.6m | €1.0m | €0.7m | €0.07m | ▼ 89.9% |
| Financial income75/76B | - | - | - | €0.08m | €0.05m | €0.06m | €0.9m | €0.07m | ▼ 92.5% |
| Recurring financial income75 | €0.04m | €0.05m | €0.05m | €0.08m | €0.05m | €0.06m | €0.06m | €0.07m | ▲ 9.6% |
| Non-recurring financial income76B | - | - | - | - | - | - | €0.8m | - | - |
| Financial charges65/66B | - | - | - | €0.05m | €0.05m | €0.06m | €0.1m | €0.1m | ▼ 4.5% |
| Recurring financial charges65 | €0.04m | €0.03m | €0.05m | €0.05m | €0.05m | €0.06m | €0.1m | €0.1m | ▼ 4.5% |
| Profit (loss) for the period before taxes9903 | €0.3m | €0.4m | €0.5m | €0.9m | €0.6m | €1.0m | €1.4m | €0.02m | ▼ 98.7% |
| Transfer from deferred taxes780 | - | - | - | - | - | - | - | €0.01m | - |
| Transfer to deferred taxes680 | - | - | - | - | - | - | €0.2m | - | - |
| Income taxes67/77 | €0.2m | €0.06m | €0.1m | €0.2m | €0.1m | €0.2m | €0.2m | €0.004m | ▼ 97.2% |
| Profit (loss) for the period9904 | €0.1m | €0.3m | €0.4m | €0.7m | €0.5m | €0.8m | €1.1m | €0.02m | ▼ 97.8% |
| Transfer from tax-exempt reserves789 | - | - | - | - | - | - | - | €0.03m | - |
| Transfer to tax-exempt reserves689 | - | - | - | - | - | - | €0.6m | - | - |
| Profit (loss) for the period to be appropriated9905 | €0.1m | €0.3m | €0.4m | €0.7m | €0.5m | €0.8m | €0.5m | €0.05m | ▼ 87.9% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €2.4m | €2.4m | €3.9m | €3.9m | €4.3m | €4.7m | €6.7m | €6.6m | ▼ 1.1% |
| Fixed assets21/28 | €0.7m | €0.7m | €1.8m | €2.1m | €2.0m | €2.1m | €3.2m | €2.7m | ▼ 13.7% |
| Tangible fixed assets22/27 | €0.7m | €0.7m | €1.8m | €2.1m | €2.0m | €2.0m | €3.2m | €2.7m | ▼ 13.7% |
| Land and buildings22 | - | - | - | €1.9m | €1.7m | €1.7m | €2.9m | €2.5m | ▼ 12.1% |
| Plant, machinery and equipment23 | - | - | - | €0.1m | €0.2m | €0.2m | €0.2m | €0.1m | ▼ 31.3% |
| Furniture and vehicles24 | - | - | - | €0.04m | €0.2m | €0.1m | €0.1m | €0.08m | ▼ 24.7% |
| Financial fixed assets28 | €0.007m | €0.007m | €0.007m | €0.007m | €0.007m | €0.007m | €0.007m | €0.007m | = |
| Current assets29/58 | €1.6m | €1.7m | €2.1m | €1.8m | €2.3m | €2.6m | €3.5m | €3.9m | ▲ 10.0% |
| Stocks and contracts in progress3 | €0.4m | €0.3m | €0.3m | €0.2m | €0.4m | €0.4m | €0.6m | €1.0m | ▲ 75.1% |
| Stocks30/36 | - | - | - | €0.2m | €0.4m | €0.4m | €0.6m | €1.0m | ▲ 75.1% |
| Amounts receivable within one year40/41 | €0.2m | €0.1m | €0.3m | €0.2m | €0.3m | €0.4m | €0.5m | €0.7m | ▲ 45.1% |
| Trade receivables40 | - | - | - | €0.2m | €0.3m | €0.4m | €0.4m | €0.4m | ▲ 18.0% |
| Other amounts receivable41 | - | - | - | €0.02m | €0.05m | €0.03m | €0.1m | €0.3m | ▲ 124% |
| Current investments50/53 | €0.7m | €0.8m | €0.9m | €0.8m | €0.9m | €1.0m | €1.6m | €1.5m | ▼ 6.8% |
| Cash at bank and in hand54/58 | €0.2m | €0.4m | €0.6m | €0.6m | €0.7m | €0.7m | €0.8m | €0.7m | ▼ 22.9% |
| Deferred charges and accrued income490/1 | - | - | - | - | - | - | - | €0.005m | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €2.4m | €2.4m | €3.9m | €3.9m | €4.3m | €4.7m | €6.7m | €6.6m | ▼ 1.1% |
| Equity10/15 | €0.7m | €0.9m | €1.2m | €1.6m | €1.6m | €1.8m | €2.4m | €2.5m | ▲ 1.0% |
| Contributions10/11 | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Reserves13 | €0.7m | €0.8m | €1.2m | €1.6m | €1.6m | €1.8m | €2.4m | €2.4m | ▲ 1.0% |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Reserves not available under the articles1311 | - | - | - | €0.002m | €0.002m | €0.002m | €0.002m | €0.002m | = |
| Tax-exempt reserves132 | - | - | - | - | - | - | €0.6m | €0.6m | ▼ 5.0% |
| Distributable reserves133 | - | - | - | €1.6m | €1.6m | €1.8m | €1.8m | €1.8m | ▲ 3.1% |
| Provisions and deferred taxes16 | - | - | - | - | - | - | €0.2m | €0.2m | ▼ 5.0% |
| Deferred taxes168 | - | - | - | - | - | - | €0.2m | €0.2m | ▼ 5.0% |
| Amounts payable17/49 | €1.6m | €1.6m | €2.6m | €2.3m | €2.7m | €2.9m | €4.1m | €4.0m | ▼ 2.2% |
| Amounts payable after more than one year17 | €0.5m | €0.3m | €0.9m | €0.8m | €0.7m | €0.6m | €1.5m | €1.3m | ▼ 14.4% |
| Financial debts170/4 | - | - | - | €0.8m | €0.7m | €0.6m | €1.5m | €1.3m | ▼ 14.4% |
| Amounts payable within one year42/48 | €1.1m | €1.2m | €1.7m | €1.5m | €2.0m | €2.3m | €2.5m | €2.6m | ▲ 3.8% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.1m | €0.1m | €0.1m | €0.2m | €0.2m | ▲ 2.9% |
| Financial debts43 | - | - | - | €0.2m | €0.3m | €0.3m | €0.3m | €0.3m | ▲ 3.9% |
| Credit institutions430/8 | - | - | - | €0.2m | €0.3m | €0.3m | €0.3m | €0.3m | ▲ 3.9% |
| Trade debts44 | €0.3m | €0.4m | €0.3m | €0.3m | €0.4m | €0.2m | €0.3m | €0.5m | ▲ 75.4% |
| Suppliers440/4 | - | - | - | €0.3m | €0.4m | €0.2m | €0.3m | €0.5m | ▲ 75.4% |
| Taxes, remuneration and social security45 | - | - | - | €0.3m | €0.3m | €0.4m | €0.4m | €0.3m | ▼ 13.7% |
| Taxes450/3 | - | - | - | €0.2m | €0.1m | €0.2m | €0.2m | €0.2m | ▼ 11.3% |
| Remuneration and social security454/9 | - | - | - | €0.2m | €0.2m | €0.2m | €0.2m | €0.2m | ▼ 16.2% |
| Other amounts payable47/48 | - | - | - | €0.6m | €0.9m | €1.3m | €1.3m | €1.2m | ▼ 8.1% |
| Accrued charges and deferred income492/3 | - | - | - | €0.008m | €0.01m | €0.01m | €0.05m | €0.07m | ▲ 57.9% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.1m | €0.3m | €0.4m | €0.7m | €0.5m | €0.8m | €1.1m | €0.02m | ▼ 97.8% |
| + Depreciation and write-downs630 | €0.2m | €0.2m | €0.3m | €0.3m | €0.4m | €0.4m | €0.4m | €0.4m | ▼ 0.4% |
| Operating cash flow (approximation) | €0.3m | €0.5m | €0.7m | €1.0m | €0.8m | €1.2m | €1.5m | €0.4m | ▼ 70.3% |
| Investment in fixed assets (approximation) | - | -€0.2m | -€1.4m | -€0.6m | -€0.3m | -€0.4m | -€1.5m | €0.01m | - |
| Change in cash | - | €0.2m | €0.1m | €0.01m | €0.1m | €0.06m | €0.1m | -€0.2m | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 14,766 companies had the same profile as INTER FLOWER has now. Two years later, 96.2% were still going and 0.2% had gone bankrupt.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
96.2%
was still going
3.5%
stopped otherwise
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of INTER FLOWER itself: 0.4% 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.
| 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 14,766 companies, not a prediction for INTER FLOWER. 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 32 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 31-08-2026 | 2026-00500428 | |
| 31-12-2024 | abbreviated format | 29-08-2025 | 2025-00483510 | |
| 31-12-2023 | abbreviated format | 29-09-2024 | 2024-00494271 | |
| 31-12-2022 | abbreviated format | 21-08-2023 | 2023-00346370 | |
| 31-12-2021 | abbreviated format | 29-08-2022 | 2022-20383146 | |
| 31-12-2020 | abbreviated format | 09-08-2021 | 2021-47000394 | |
| 31-12-2019 | abbreviated format | 05-10-2020 | 2020-59700465 | |
| 31-12-2018 | abbreviated format | 31-08-2019 | 2019-62500578 | |
| 31-12-2017 | abbreviated format | 27-08-2018 | 2018-53400400 | |
| 31-12-2016 | abbreviated format | 23-08-2017 | 2017-46200513 |
Board & ownership
Directors
Directors
2 directors, no change since 2024
VAN de CASSERIE Karel Eric Irma
Current
Statutory director · appointed in the act of 25-01-2024 · term without a fixed end · also on the board of 1 other company · listed in the 2025 annual accounts, filed on 31-08-2026
VAN de CASSERIE Piet Marcel Denise
Current
Statutory director · appointed in the act of 25-01-2024 · term without a fixed end · also on the board of 1 other company · listed in the 2025 annual accounts, filed on 31-08-2026
Owners and capital
Shareholders
4 ownersChain of control
- VAN DE CASSERIE AZALEAKWEKERIJ
- INTER FLOWER
Owners 4
- Equity €1.9m Profit of €363,158 in 2025 (profit of €489,490 in 2024) Checked score 9669%
- KAREL VAN DE CASSERIEnatural personSourceown accounts 202014%
- PIET VAN DE CASSERIEnatural personSourceown accounts 202014%
- GUY VAN DE CASSERIEnatural personSourceown accounts 20203%
Capital transactions
Capital over time
- 25-01-2024 Converted to unavailable equity
Mandate history
2 people, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| VAN de CASSERIE Karel Eric Irma |
|
| VAN de CASSERIE Piet Marcel Denise |
|
Network & group
Companies at the same address
1 other companyConnections & network
2 current directorsThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
This company
Company
Director
Shareholding
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Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
31-08
abbreviated format · 31 days late
2025
31-12
Financial
Weakest financial yearnet €24,020 ▼97.8%
The net result drops to €24,020, the lowest from 2018 to 2025.
29-08
abbreviated format · 29 days late
2024
31-12
Financial
Highest result from 2018 to 2025net €1.1m ▲38.2%
The net result of €1.1m is the highest of those years.
31-12
Financial
Equity above €2mequity €2.4m ▲34.6%
With a profit in every financial year since 2018, equity grows to €2.4m.
29-09
abbreviated format · 60 days late
25-01
Gazette deed
2 directors appointed, 2 reappointedReappointments: VAN de CASSERIE Piet Marcel Denise (statutory director) and VAN de CASSERIE Karel Eric Irma (statutory director) · Appointments: VAN de CASSERIE Karel Eric Irma (statutory director) and VAN de CASSERIE Piet Marcel Denise (statutory director) · Capital conversion11 points ▸
Gazette deed
2 directors appointed, 2 reappointed
Reappointments: VAN de CASSERIE Piet Marcel Denise (statutory director) and VAN de CASSERIE Karel Eric Irma (statutory director) · Appointments: VAN de CASSERIE Karel Eric Irma (statutory director) and VAN de CASSERIE Piet Marcel Denise (statutory director) · Capital conversion11 points ▸
- General meeting, 27-12-2023
- Other provision, “aanpassing statuten aan Wetboek van vennootschappen en verenigingen en behoud rechtsvorm besloten vennootschap, Wetboek van vennootschappen en verenigingen” (deed in Dutch)
- Capital conversion, “statutaire onbeschikbare eigen vermogensrekeningen” (deed in Dutch)
- Reserve release, “vormen en meerderheden van statutenwijziging, opheffing aangelegde statutaire onbeschikbare eigen vermogensrekeningen” (deed in Dutch)
- Director reappointment, VAN de CASSERIE Piet Marcel Denise (statutory director)
- Director reappointment, VAN de CASSERIE Karel Eric Irma (statutory director)
- Amendment of the articles
- Director appointment, VAN de CASSERIE Karel Eric Irma (statutory director)
- Director appointment, VAN de CASSERIE Piet Marcel Denise (statutory director)
- Registered office clause, “9160 Lokeren,Eekstraat 70” (deed in Dutch)
- Power of attorney
2023
21-08
abbreviated format · 21 days late
2022
29-08
abbreviated format · 29 days late
2021
09-08
abbreviated format · 9 days late
2020
31-12
Financial
Equity above €1mequity €1.2m ▲40.4%
With a profit in every financial year since 2018, equity grows to €1.2m.
05-10
abbreviated format · 66 days late
Show earlier events
2019
31-08
abbreviated format · 31 days late
2018
27-08
abbreviated format · 27 days late
2017
23-08
abbreviated format · 23 days late
1993
24-03
Gazette deed
Incorporation
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
INTER FLOWER in Dutch
Enterprise number
0449.534.028
Legal form
Private limited company
Status
Active, normale toestand
Founded
04-03-1993
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 25-01-2024 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 25-01-2024 (in Dutch)Registered office and establishments
Registered office
Eekstraat 70, 9160 Lokeren, Belgium
Establishment unit
INTER FLOWER, Eekstraat 70, 9160 Lokeren since 27-04-1993 · unit number 2.061.851.794
Activities
NACEBEL 2025VAT activities
47761
Retail sale of flowers, plants, seeds and fertilisers main activity
46220
Wholesale trade
56112
Limited-service restaurants, excluding mobile food services
69209
Other tax advisory services
Social security (RSZ) activities
47761
Retail sale of flowers, plants, seeds and fertilisers main activity
Codes under NACEBEL 2008
VAT activities
47761
Retail trade main activity
46220
Wholesale trade
56102
Limited-service restaurants
69202
Legal and accounting activities
Social security (RSZ) activities
47761
Retail trade main activity
Codes under NACEBEL 2003
VAT activities
51220
main activity
52483
55302
74121
Social security (RSZ) activities
52483
main activity
Invoicing and payment
VAT number
BE 0449.534.028
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Tuesday of June at 18:00
deed of 25-01-2024 (in Dutch)Recognitions · licences · registrations
Food safety, FASFC
1 siteLokerenunit number 2.061.851.794
Dual-learning approval
6 live approvals · 6 endedAssistent florist (vwo)
Florist (vwo)
Florist duaal (so)
Groendecoratie duaal (so)
Medewerker florist (vwo)
Medewerker florist duaal (so)
Show 6 ended approvals
Aanvuller (so)
Kassier (so)
Verkoper (so)
Winkelbediende (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Environmental permits
3 applications in Flanders since 2025 · 3 granted
Bouwen of herbouwen; Slopen van niet vrijstaande gebouwen of constructies
Nieuwbouw of aanleggen
Nieuwbouw of aanleggen; Nieuwbouw van bijgebouwen en niet overdekte lage constructie; Slopen van niet vrijstaande gebouwen of constructies; Verwijderen van vrijstaande gebouwen
Source: Omgevingsloket Vlaanderen.
Sites & property
Location
Buildings and parcels at the address
Ground area
1.3 ha
Building footprint
7,792 m²
Building volume
37,911 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 46383D1089/00T000 | Flanders | 1.3 ha | 1 · 7,792 m² | 9.7 m · 2 |