SOFIE FLORA
ActiveSummary
SOFIE FLORA has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14,260 and a net result of €27,605. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 37% of 22,773 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 07-04-2011 Normal situation
- Activity
- Retail sale of flowers, plants, seeds and fertilisers NACE 47761
- Joint committee
- 201 Paritair Comité voor de zelfstandige kleinhandel · annual accounts 2022
- Establishment unit
- 2.199.166.182 8301 Knokke-Heist, since 07-04-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 19-12-2025
Board and ownership
- Isabel DefruytDirector
- Philippe VanderhaegheDirector · since 01-01-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.8%
- Gross margin
- €87,081
- ▲ 5.4%
- Turnover
- ≈ €420,000
- estimated
- Profit
- €27,605
- ▲ 97.6%
- Equity
- €14,260
- ▲ 116%
- Total assets
- €75,570
- ▲ 40.6%
- Employees on 31-12-2025
- 1
- =
Score breakdownraises risk1 change of registered office in 24 monthsSize: total assets €75,570lowers riskFigures for financial year 2025 (filed on 05-08-2026)Liquidity: current ratio 0.91, cash €16,815Show the evidence
Checked score
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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, micro). It does better than 35% of them on solvency, 30% on liquidity, 96% on profitability and 93% on growth.
The bankruptcy probability was computed on 02-11-2026 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
The company filed its last 7 accounts on average 16 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)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 29-07-2026 at the NBB all 11 filings
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is 84% higher than in 2024. It is the second rise in a row, after the fall in 2023.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
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 dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 1 | 1 | 1 | 1 | 1 |
| full-time | 1 | 1 | 1 | 1 | 1 |
| in full-time equivalents | 1 | 1 | 1 | 1 | 1 |
| Average over the year, in full-time equivalents | 1 | 1 | 1 | 1 | 1 |
| On a permanent contract | 1 | 1 | 1 | 1 | 1 |
| Joined | 1 | - | - | - | - |
| Left | 0 | - | - | - | - |
Source: social balance sheet in the 2021 to 2025 annual accounts
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | - | €42,917 | €29,950 | - |
| Depreciation and write-downs of the year | - | - | €7,408 | €4,283 | €5,990 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €23,841 | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | €20,392 | €38,983 | €46,812 | €40,833 | €41,127 | ▲ 0.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | - | €7,408 | €4,283 | €5,990 | ▲ 39.8% |
| Other operating charges640/8 | - | - | - | €1,553 | €1,283 | €1,043 | €2,002 | €1,389 | ▼ 30.6% |
| Non-recurring operating charges66A | - | - | - | - | - | €32,308 | €14,507 | - | - |
| Gross operating margin9900 | €1,042 | -€444 | €10,465 | €81,338 | €79,641 | €64,503 | €82,584 | €87,081 | ▲ 5.4% |
| Operating profit (loss)9901 | €579 | -€1,036 | €10,356 | €59,393 | €39,375 | -€23,067 | €20,959 | €38,575 | ▲ 84.1% |
| Financial income75/76B | - | - | - | €7 | - | €830 | €25 | €48 | ▲ 95.4% |
| Recurring financial income75 | - | - | - | €7 | - | €830 | €25 | €48 | ▲ 95.4% |
| Financial charges65/66B | - | - | - | €376 | €574 | €222 | €702 | €258 | ▼ 63.2% |
| Recurring financial charges65 | €272 | €355 | €149 | €376 | €574 | €222 | €702 | €258 | ▼ 63.2% |
| Profit (loss) for the period before taxes9903 | €308 | -€1,391 | €10,207 | €59,024 | €38,801 | -€22,460 | €20,281 | €38,365 | ▲ 89.2% |
| Income taxes67/77 | - | €119 | €2,724 | €17,086 | €12,478 | €688 | €6,310 | €10,760 | ▲ 70.5% |
| Profit (loss) for the period9904 | €308 | -€1,511 | €7,483 | €41,938 | €26,323 | -€23,148 | €13,972 | €27,605 | ▲ 97.6% |
| Profit (loss) for the period to be appropriated9905 | €308 | -€1,511 | €7,483 | €41,938 | €26,323 | -€23,148 | €13,972 | €27,605 | ▲ 97.6% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €14,817 | €14,831 | €14,103 | €45,560 | €61,635 | €59,784 | €53,763 | €75,570 | ▲ 40.6% |
| Fixed assets21/28 | - | - | - | - | - | €35,509 | €25,667 | €19,677 | ▼ 23.3% |
| Tangible fixed assets22/27 | - | - | - | - | - | €35,509 | €25,667 | €19,677 | ▼ 23.3% |
| Furniture and vehicles24 | - | - | - | - | - | €35,509 | €25,667 | €19,677 | ▼ 23.3% |
| Current assets29/58 | €14,817 | €14,831 | €14,103 | €45,560 | €61,635 | €24,275 | €28,096 | €55,894 | ▲ 98.9% |
| Amounts receivable within one year40/41 | €14,817 | €14,817 | €13,817 | €44,216 | €50,597 | €23,218 | €25,556 | €38,964 | ▲ 52.5% |
| Trade receivables40 | - | - | - | €1,697 | €12 | €2,572 | €967 | €6,124 | ▲ 533% |
| Other amounts receivable41 | - | - | - | €42,519 | €50,585 | €20,646 | €24,589 | €32,840 | ▲ 33.6% |
| Cash at bank and in hand54/58 | - | €14 | €286 | €1,344 | €10,706 | €608 | €1,476 | €16,815 | ▲ 11× |
| Deferred charges and accrued income490/1 | - | - | - | - | €332 | €449 | €1,063 | €115 | ▼ 89.2% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €14,817 | €14,831 | €14,103 | €45,560 | €61,635 | €59,784 | €53,763 | €75,570 | ▲ 40.6% |
| Equity10/15 | -€58,450 | -€59,961 | -€52,478 | -€10,539 | €15,784 | -€7,364 | €6,608 | €14,260 | ▲ 116% |
| Contributions10/11 | €12,400 | €12,400 | - | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | - | - | - | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€72,710 | -€74,221 | -€66,738 | -€24,799 | €1,524 | -€21,624 | -€7,652 | - | - |
| Amounts payable17/49 | €73,267 | €74,792 | €66,581 | €56,099 | €45,851 | €67,149 | €47,155 | €61,310 | ▲ 30.0% |
| Amounts payable after more than one year17 | - | - | - | - | - | €6,000 | - | - | - |
| Financial debts170/4 | - | - | - | - | - | €6,000 | - | - | - |
| Amounts payable within one year42/48 | €73,267 | €74,792 | €65,581 | €56,099 | €45,851 | €61,149 | €47,155 | €61,310 | ▲ 30.0% |
| Financial debts43 | - | - | - | - | €13 | €21,000 | €22,000 | €15,500 | ▼ 29.5% |
| Credit institutions430/8 | - | - | - | - | €13 | €21,000 | €22,000 | €15,500 | ▼ 29.5% |
| Trade debts44 | €39,437 | €40,370 | €39,597 | €29,879 | €5,479 | €17,256 | €8,268 | €7,410 | ▼ 10.4% |
| Suppliers440/4 | - | - | - | €29,879 | €5,479 | €17,256 | €8,268 | €7,410 | ▼ 10.4% |
| Taxes, remuneration and social security45 | - | - | - | €26,174 | €40,285 | €22,818 | €16,813 | €18,330 | ▲ 9.0% |
| Taxes450/3 | - | - | - | €23,328 | €30,590 | €13,868 | €9,277 | €11,773 | ▲ 26.9% |
| Remuneration and social security454/9 | - | - | - | €2,846 | €9,695 | €8,950 | €7,536 | €6,557 | ▼ 13.0% |
| Other amounts payable47/48 | - | - | - | €46 | €75 | €75 | €75 | €20,070 | ▲ 268× |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €308 | -€1,511 | €7,483 | €41,938 | €26,323 | -€23,148 | €13,972 | €27,605 | ▲ 97.6% |
| + Depreciation and write-downs630 | - | - | - | - | - | €7,408 | €4,283 | €5,990 | ▲ 39.8% |
| Operating cash flow (approximation) | €308 | -€1,511 | €7,483 | €41,938 | €26,323 | -€15,740 | €18,255 | €33,595 | ▲ 84.0% |
| Investment in fixed assets (approximation) | - | - | - | - | - | - | €5,559 | €0 | ▼ 100% |
| Change in cash | - | - | €273 | €1,058 | €9,362 | -€10,098 | €868 | €15,339 | ▲ 18× |
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, 5,053 companies had the same profile as SOFIE FLORA has now. Two years later, 95.9% were still going and 1.6% had gone bankrupt.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SOFIE FLORA itself: 0.8% 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 5,053 companies, not a prediction for SOFIE FLORA. 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 11 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 29-07-2026 | 2026-00381687 | |
| 31-12-2024 | micro format | 03-07-2025 | 2025-00222973 | |
| 31-12-2023 | micro format | 29-07-2024 | 2024-00327188 | |
| 31-12-2022 | micro format | 22-06-2023 | 2023-00146507 | |
| 31-12-2021 | micro format | 30-08-2022 | 2022-20344343 | |
| 31-12-2020 | micro format | 31-08-2021 | 2021-58000258 | |
| 31-12-2019 | micro format | 30-11-2020 | 2020-72600506 | |
| 31-12-2018 | micro format | 18-03-2021 | 2021-07700517 | |
| 31-12-2017 | micro format | 07-05-2020 | 2020-11600371 | |
| 31-12-2016 | micro format | 29-09-2017 | 2017-63700172 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 04-12-2023 Converted to unavailable equity
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Isabel Defruyt |
|
| Philippe Vanderhaeghe |
|
| Evelien Wastyn |
|
Articles of association
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “186, gelijk recht in de winstverdeling”
Articles of association, deed of 04-12-2023 (in Dutch)
Network & group
SOFIE FLORA shares no director with another company.
Companies at the same address
1 other companyConnections & network
2 current directorsThe network starts from the directors of SOFIE FLORA. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
21-01
Gazette deed
Appointment: Philippe Vanderhaeghe (director)2 points ▸
- General meeting, 22-12-2025
- Director appointment, Philippe Vanderhaeghe (director (not named in the articles))
13-10
Gazette deed
Registered office moved within Knokke-Heist2 points ▸
- Board meeting, 18-09-2025
- Registered-office move, Mastworp 25, 8301 Knokke-Heist
04-12
Gazette deed
Legal-form changeAmendment of the articles · Legal form clause · Capital conversion8 points ▸
- Amendment of the articles, mentioned 2 times in the deed
- Legal form clause, “besloten vennootschap, BV” (deed in Dutch)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “overeenkomstig de vormen en meerderheden van de statutenwijziging, opheffen en beschikbaar maken voor uitkering” (deed in Dutch)
- Other provision, “afsluiting van het boekjaar op datum van 2022-12-31, kennisname verslag enige bestuurder” (deed in Dutch)
- Reserve release, 0, 6200
- Registered office clause, “Eglantierenlaan 5”, 8300 (deed in Dutch)
- Power of attorney
22-08
Gazette deed
Appointment: Isabel Defruyt (director)Resignation: Evelien Wastyn (director)3 points ▸
- General meeting, 25-07-2022
- Director appointment, Isabel Defruyt (director)
- Director resignation, Evelien Wastyn (director)
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
1 former office
- Eglantierenlaan 5, 8300 Knokke-Heist until 18-09-2025 · act of 13-10-2025
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 31336B0559/00A007 | Flanders | 193 m² | 1 · 77 m² | 0.0 m |