TOPS CHRIS
ActiveTOPS CHRIS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €164k and a net result of €19k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 60% of 3110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75=
Solvency69▲+5
Growth52=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 1.58 in 2024; short-term debt: 24.2% and cash: 29.1% of total assets), but 56.1% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
43.9%
Return on assets
5.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-04-2026, 6 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
6 d early
2024
5 d early
2023
4 d early
2022
2 d early
2021
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€164k▲ 13.5%
2024 · €145k
2021: €98k
2022: €99k
2023: €127k
2024: €145k
2021 → 2025
Total assets
€374k▲ 1.1%
2024 · €370k
2021: €235k
2022: €290k
2023: €316k
2024: €370k
2021 → 2025
Net result
€19k▲ 8.7%
2024 · €18k
2021: €93k
2022: €1k
2023: €28k
2024: €18k
2021 → 2025
Working capital
€80k▲ 35.1%
2024 · €59k
2021: €55k
2022: €41k
2023: €49k
2024: €59k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€98k-€99k▲ 1.5%€127k▲ 28.0%€145k▲ 14.1%€164k▲ 13.5%
Operating result€123k-€3k▼ 97.7%€35k▲ 1,115%€28k▼ 19.3%€32k▲ 15.7%
Net result€93k-€1k▼ 98.4%€28k▲ 1,754%€18k▼ 35.3%€19k▲ 8.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €374k
Fixed assets
€203k▼ 2.1%
Current assets
€171k▲ 5.2%
Equity and liabilities €374k
Equity
€164k▲ 13.5%
Debt
€210k▼ 6.8%
The debt ratio falls from 60.9% to 56.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€77k▲
2024 · €65k
Cash flow
€65k▲
2024 · €55k
Solvency
43.9%▲
2024 · 39.1%
Current ratio
1.89▲
2024 · 1.58
Quick ratio
1.47▲
2024 · 1.28
Debt / equity
1.28▼
2024 · 1.55
ROE
11.9%▼
2024 · 12.4%
ROA
5.2%▲
2024 · 4.9%
Interest coverage
12.01▼
2024 · 14.37
Debt
€210k▼
2024 · €225k
Debt ≤ 1 year
€90k▼
2024 · €103k
Debt > 1 year
€119k▼
2024 · €122k
Income taxes
€7k▲
2024 · €6k
Staff costs
€35k▲
2024 · €31k
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€370k€374k▲
Fixed assets21/28€207k€203k▼
Tangible fixed assets22/27€207k€203k▼
Land and buildings22€150k€131k▼
Plant, machinery and equipment23€18k€14k▼
Furniture and vehicles24€30k€57k▲
Leasing and similar rights25€9k€2k▼
Current assets29/58€162k€171k▲
Stocks and contracts in progress3€30k€38k▲
Stocks30/36€30k€38k▲
Amounts receivable within one year40/41€11k€20k▲
Trade receivables40€3k€11k▲
Other amounts receivable41€8k€9k▲
Cash at bank and in hand54/58€120k€109k▼
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€370k€374k▲
Equity10/15€145k€164k▲
Contributions10/11€5k€5k=
Reserves13€140k€159k▲
Distributable reserves133€140k€159k▲
Amounts payable17/49€225k€210k▼
Amounts payable after more than one year17€122k€119k▼
Financial debts170/4€122k€119k▼
Amounts payable within one year42/48€103k€90k▼
Current portion of amounts payable after more than one year42€34k€35k▲
Trade debts44€48k€42k▼
Suppliers440/4€48k€42k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€434-
Remuneration and social security454/9€6k€6k▼
Other amounts payable47/48€14k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€31k€35k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€45k▲
Other operating charges640/8€7k€6k▼
Gross operating margin9900€104k€118k▲
Operating profit (loss)9901€28k€32k▲
Financial income75/76B€319€134▼
Recurring financial income75€319€134▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€24k€26k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€18k€19k▲
Profit (loss) for the period to be appropriated9905€18k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€19k▲
Transfer to equity691/2€18k€19k▲
To other reserves6921€18k€19k▲
The notes to these accounts (6 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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €150kEq €164k ▲13.5%
5 profitable years in a row build equity to €164k.
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €100kEq €127k ▲28%
3 profitable years in a row build equity to €127k.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €1k ▼98.4%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lille · 1 establishment unit since 2020
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.
Heiend 1242275 LilleGround area
2,612 m²
Building footprint
150 m²
Volume, LiDAR
884 m³
Parcel 13019D0632/00G000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOPS CHRIS
since 20202.310.523.172
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13019D0632/00G000 | Flanders | 2,612 m² | 1 · 150 m² | 9.2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 375 EUR awarded · 309 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 375 EUR | 309 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLille2.310.523.172
Similar companies · same sector, comparable size
R. VANDEVONDELE FLOREAL
BE 0434.291.764
Tournai · Eq €164k
Indica
BE 0405.924.412
Evergem · Eq €162k
DESEO-PLANTS
BE 0458.855.530
Jabbeke · Eq €167k
Tuinen Vanthournout
BE 0745.459.153
Koekelare · Eq €158k
DE MAESSCHALCK EN ZOON
BE 0864.597.820
Lochristi · Eq €172k
Of 872 companies in sector 01191 we hold annual accounts for 307. 231 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2020
Fiscal year end30-09
Activities, NACEBEL
01191Growing of flowers
46220Wholesale trade
47761Retail sale of flowers, plants, seeds and fertilisers
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:chris.tops@skynet.be