NFLOOR
ActiveSummary
NFLOOR has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €319k and a net result of €65k. Equity is growing by ~26.8% per year across the filed fiscal years. Its solvency ranks better than 40% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-4
Solvency63▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 2.33 against 2.47 in 2024; short-term debt: 33.7% and cash: 1.5% of total assets), but 62.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
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 2025Solvency, return and age of the figures
Solvency
37.7%
Return on assets
7.7%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 13-11-2025, 13 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
13 d late
2024
77 d late
2023
3 d late
2022
90 d late
2021
26 d early
2020
25 d early
2019
22 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€319k▲ 25.8%
2024 · €254k
2019: €81k
2020: €80k
2021: €93k
2022: €144k
2023: €150k
2024: €254k
2019 → 2025
Total assets
€847k▼ 13.6%
2024 · €980k
2019: €305k
2020: €332k
2021: €460k
2022: €625k
2023: €945k
2024: €980k
2019 → 2025
Net result
€65k▼ 36.9%
2024 · €104k
2019: €-6k
2020: €-754
2021: €13k
2022: €51k
2023: €6k
2024: €104k
2019 → 2025
Working capital
€378k▼ 22.6%
2024 · €488k
2019: €74k
2020: €71k
2021: €-61k
2022: €6k
2023: €227k
2024: €488k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€144k▲ 54.6%€150k▲ 4.0%€254k▲ 69.3%€319k▲ 25.8%
Operating result€41k-€83k▲ 104%€23k▼ 72.8%€144k▲ 536%€105k▼ 27.1%
Net result€13k-€51k▲ 284%€6k▼ 88.7%€104k▲ 1,701%€65k▼ 36.9%
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 falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €847k
Fixed assets
€184k ▲ 14.6%
Current assets
€663k ▼ 19.1%
Equity and liabilities €847k
Equity
€319k ▲ 25.8%
Debt
€528k ▼ 27.3%
Debt's share of the balance-sheet total falls from 74.1% to 62.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€119k▼
2024 · €155k
Cash flow
€79k▼
2024 · €115k
Current ratio
2.33▼
2024 · 2.47
Quick ratio
2.31▼
2024 · 2.47
Debt to equity
1.65▼
2024 · 2.86
ROE
20.5%▼
2024 · 40.9%
ROA
7.7%▼
2024 · 10.6%
Interest coverage
11.75▼
2024 · 22.89
Debt ≤ 1 year
€285k▼
2024 · €331k
Debt > 1 year
€14k
Income taxes
€30k▼
2024 · €34k
Staff costs
€49k▼
2024 · €50k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€980k€847k▼
Fixed assets21/28€160k€184k▲
Tangible fixed assets22/27€160k€184k▲
Land and buildings22€140k€136k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€13k€43k▲
Other tangible fixed assets26€3k€3k=
Financial fixed assets28€218€218=
Current assets29/58€819k€663k▼
Stocks and contracts in progress3-€6k
Stocks30/36-€6k
Amounts receivable within one year40/41€761k€639k▼
Trade receivables40€417k€267k▼
Other amounts receivable41€344k€372k▲
Cash at bank and in hand54/58€56k€12k▼
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€980k€847k▼
Equity10/15€254k€319k▲
Contributions10/11€19k€19k=
Reserves13€235k€300k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€233k€299k▲
Amounts payable17/49€726k€528k▼
Amounts payable after more than one year17-€14k
Financial debts170/4-€14k
Amounts payable within one year42/48€331k€285k▼
Current portion of amounts payable after more than one year42€1k€11k▲
Trade debts44€291k€201k▼
Suppliers440/4€291k€201k▼
Taxes, remuneration and social security45€39k€73k▲
Taxes450/3€38k€71k▲
Remuneration and social security454/9€214€2k▲
Accrued charges and deferred income492/3€395k€229k▼
Income statement
Code20242025
Remuneration, social security and pensions62€50k€49k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€14k▲
Other operating charges640/8€5k€17k▲
Gross operating margin9900€210k€184k▼
Operating profit (loss)9901€144k€105k▼
Financial income75/76B€834€505▼
Recurring financial income75€834€505▼
Financial charges65/66B€7k€10k▲
Recurring financial charges65€7k€10k▲
Profit (loss) for the period before taxes9903€138k€95k▼
Income taxes67/77€34k€30k▼
Profit (loss) for the period9904€104k€65k▼
Profit (loss) for the period to be appropriated9905€104k€65k▼
Appropriation of the result
Profit (loss) to be appropriated9906€104k€65k▼
Transfer to equity691/2€104k€65k▼
To other reserves6921€104k€65k▼
The notes to these accounts (10 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
2025
13-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
16-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 77 days late
2024
31-03
Financial
Highest result since 2019net €104k ▲1701%
Operating result €144k, net result €104k, both a record.
31-03
Financial
Equity above €200kEq €254k ▲69.3%
4 profitable years in a row build equity to €254k.
2023
03-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 3 days late
29-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 90 days late
2022
31-03
Financial
Equity above €100kEq €144k ▲54.6%
2 profitable years in a row build equity to €144k.
2021
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
07-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 37 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
14 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, Beringen · 1 establishment unit since 2005
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.
Nijverheidsstraat 293580 BeringenGround area
2.4 ha
Building footprint
3,091 m²
2 parcels, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
N-FLOOR
since 20052.146.366.114
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71033B1658/00A000 | Flanders | 1.2 ha | 1 · 1,225 m² | 0.1 m |
| 71004A0228/00N000 | Flanders | 1.1 ha | 1 · 1,865 m² | - |
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.
Recognitions · licences · registrations
Recognised contractor
3 categoriesNFLOOR BV45622
Similar companies · same sector, comparable size
LEROY Emmanuel
BE 0464.197.062
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GRANIEXPERT
BE 0827.368.428
Les Bons Villers · Eq €317k
CERA-BAT
BE 0864.327.507
Sint-Pieters-Leeuw · Eq €322k
Van De Velde Marc
BE 0442.433.826
Berlare · Eq €323k
GRILLI MICHEL-CARRELAGES
BE 0415.172.371
Verviers · Eq €324k
Of 3,962 companies in sector 43331 we hold annual accounts for 1,790. 1,242 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2003
Fiscal year end31-03
Activities, NACEBEL 2025
41001General construction of residential buildings
43331Floor and wall tiling
43332Laying of wooden floor and wall coverings
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.