TOPFLORA
ActiveTOPFLORA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203k and a net result of €83. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 72% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-12
Solvency95▲+21
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 4.1 against 2.04 in 2024; short-term debt: 15.9% and cash: 7.7% of total assets), and 30.1% 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
69.9%
Return on assets
0%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-01-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
18 d early
2023
6 d early
2022
3 d late
2021
on the day
2020
4 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€203k=
2024 · €203k
2019: €129k
2020: €119k
2021: €129k
2022: €175k
2023: €200k
2024: €203k
2019 → 2025
Total assets
€291k▼ 29.9%
2024 · €415k
2019: €271k
2020: €251k
2021: €251k
2022: €328k
2023: €355k
2024: €415k
2019 → 2025
Net result
€83▼ 97.7%
2024 · €4k
2019: €24k
2020: €-11k
2021: €10k
2022: €46k
2023: €25k
2024: €4k
2019 → 2025
Working capital
€143k▼ 0.6%
2024 · €144k
2019: €80k
2020: €77k
2021: €102k
2022: €135k
2023: €151k
2024: €144k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€175k▲ 35.8%€200k▲ 14.3%€203k▲ 1.8%€203k=
Operating result€20k-€48k▲ 141%€27k▼ 44.2%€12k▼ 57.1%€1k▼ 87.8%
Net result€10k-€46k▲ 352%€25k▼ 45.7%€4k▼ 85.5%€83▼ 97.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 88% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €291k
Fixed assets
€101k▼ 23.2%
Current assets
€190k▼ 33.0%
Equity and liabilities €291k
Equity
€203k=
Debt
€87k▼ 58.6%
The debt ratio falls from 51.0% to 30.1%. Debt is lower.
Key figures and ratios
EBITDA
€37k▼
2024 · €47k
Cash flow
€36k▼
2024 · €39k
Solvency
69.9%▲
2024 · 49.0%
Current ratio
4.10▲
2024 · 2.04
Quick ratio
3.71▲
2024 · 1.93
Debt / equity
0.43▼
2024 · 1.04
ROE
0.0%▼
2024 · 1.8%
ROA
0.0%▼
2024 · 0.9%
Interest coverage
4.71▼
2024 · 7.09
Debt
€87k▼
2024 · €211k
Debt ≤ 1 year
€46k▼
2024 · €139k
Debt > 1 year
€40k▼
2024 · €73k
Income taxes
€89▼
2024 · €2k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€415k€291k▼
Fixed assets21/28€132k€101k▼
Tangible fixed assets22/27€132k€101k▼
Plant, machinery and equipment23€83k€67k▼
Furniture and vehicles24€49k€34k▼
Current assets29/58€283k€190k▼
Stocks and contracts in progress3€15k€18k▲
Stocks30/36€15k€18k▲
Amounts receivable within one year40/41€184k€144k▼
Trade receivables40€172k€132k▼
Other amounts receivable41€12k€13k▲
Cash at bank and in hand54/58€77k€22k▼
Deferred charges and accrued income490/1€7k€5k▼
Equity and liabilities
Total equity and liabilities10/49€415k€291k▼
Equity10/15€203k€203k=
Contributions10/11€25k€25k=
Reserves13€178k€178k=
Tax-exempt reserves132€9k€9k=
Distributable reserves133€169k€169k=
Profit (loss) carried forward14€363€447▲
Amounts payable17/49€211k€87k▼
Amounts payable after more than one year17€73k€40k▼
Financial debts170/4€73k€40k▼
Amounts payable within one year42/48€139k€46k▼
Current portion of amounts payable after more than one year42€33k€33k=
Trade debts44€99k€9k▼
Suppliers440/4€99k€9k▼
Taxes, remuneration and social security45€609€1k▲
Taxes450/3€609€1k▲
Other amounts payable47/48€7k€3k▼
Accrued charges and deferred income492/3€256€1k▲
Income statement
Code20242025
Non-recurring operating income76A€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€36k▲
Other operating charges640/8€7k€6k▼
Gross operating margin9900€54k€43k▼
Operating profit (loss)9901€12k€1k▼
Financial income75/76B€747€7k▲
Recurring financial income75€747€7k▲
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€6k€172▼
Income taxes67/77€2k€89▼
Profit (loss) for the period9904€4k€83▼
Profit (loss) for the period to be appropriated9905€4k€83▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€447▼
Profit (loss) brought forward from the previous period14P€363€363=
Transfer to equity691/2€4k€0▼
To other reserves6921€4k€0▼
The notes to these accounts (8 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
2026
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Liquidity doublescurrent ratio 4.10
Current ratio from 2.04 to 4.10; short-term debt falls from €139k to €46k.
13-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €200kEq €203k ▲1.8%
4 profitable years in a row build equity to €203k.
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
30-06
Financial
Highest result since 2019net €46k ▲352%
Operating result €48k, net result €46k, both a record.
30-06
Financial
Equity above €150kEq €175k ▲35.8%
2 profitable years in a row build equity to €175k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-11k ▼145%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zonnebeke · 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.
Ieperstraat 2428980 ZonnebekeGround area
1.1 ha
Building footprint
111 m²
Volume, LiDAR
539 m³
Parcel 33037A0223/00A002, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOPFLORA
since 20052.147.732.131
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33037A0223/00A002 | Flanders | 1.1 ha | 1 · 111 m² | 8.3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteZonnebeke2.147.732.131
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Of 552 companies in sector 46220 we hold annual accounts for 307. 230 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2005
Fiscal year end30-06
Activities, NACEBEL
46220Wholesale trade
46216Wholesale of agricultural produce and animal feed, general range
47761Retail sale of flowers, plants, seeds and fertilisers
51210
52483
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.