TUINCENTRUM FLORA
ActiveSummary
TUINCENTRUM FLORA has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €262k and a net result of €5k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 4178 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 42.68 against 45.65 in 2024; short-term debt: 2% and cash: 22.8% of total assets), and 2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
98%
Return on assets
2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
11 d late
2023
5 d early
2022
on the day
2021
3 d early
2020
3 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€5k▲ 4.7%
2024 · €5k
2018: €7k
2019: €4k▼ -39.7% vs 2018
2020: €17k▲ +315% vs 2019highest in 8 years
2021: €16k▼ -7.5% vs 2020
2022: €9k▼ -44.2% vs 2021
2023: €592▼ -93.4% vs 2022lowest in 8 years
2024: €5k▲ +754% vs 2023
2025: €5k▲ +4.7% vs 2024
2018 → 2025
Working capital
€221k▲ 3.5%
2024 · €213k
2018: €160klowest in 8 years
2019: €168k▲ +5.0% vs 2018
2020: €186k▲ +10.6% vs 2019
2021: €203k▲ +8.9% vs 2020
2022: €203k▲ +0.3% vs 2021
2023: €206k▲ +1.4% vs 2022
2024: €213k▲ +3.5% vs 2023
2025: €221k▲ +3.5% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€242k-€251k▲ 3.7%€252k▲ 0.2%€257k▲ 2.0%€262k▲ 2.1%
2021: €242klowest in 5 years
2022: €251k▲ +3.7% vs 2021
2023: €252k▲ +0.2% vs 2022
2024: €257k▲ +2.0% vs 2023
2025: €262k▲ +2.1% vs 2024highest in 5 years
Operating result€22k-€11k▼ 49.8%€821▼ 92.6%€5k▲ 457%€3k▼ 34.4%
2021: €22khighest in 5 years
2022: €11k▼ -49.8% vs 2021
2023: €821▼ -92.6% vs 2022lowest in 5 years
2024: €5k▲ +457% vs 2023
2025: €3k▼ -34.4% vs 2024
Net result€16k-€9k▼ 44.2%€592▼ 93.4%€5k▲ 754%€5k▲ 4.7%
2021: €16khighest in 5 years
2022: €9k▼ -44.2% vs 2021
2023: €592▼ -93.4% vs 2022lowest in 5 years
2024: €5k▲ +754% vs 2023
2025: €5k▲ +4.7% vs 2024
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €267k
Fixed assets
€41k ▼ 5.1%
Current assets
€226k ▲ 3.7%
Equity and liabilities €267k
Equity
€262k ▲ 2.1%
Debt
€5k ▲ 10.9%
Debt's share of the balance-sheet total rises from 1.8% to 2.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €7k
Cash flow
€8k▲
2024 · €7k
Current ratio
42.68▼
2024 · 45.65
Quick ratio
39.07▼
2024 · 39.29
Debt to equity
0.02▲
2024 · 0.02
ROE
2.0%▲
2024 · 2.0%
ROA
2.0%▲
2024 · 1.9%
Interest coverage
65.78▼
2024 · 97.43
Debt ≤ 1 year
€5k▲
2024 · €5k
Income taxes
€1k▼
2024 · €1k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€261k€267k▲
Fixed assets21/28€43k€41k▼
Tangible fixed assets22/27€43k€41k▼
Land and buildings22€38k€38k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€1k€795▼
Financial fixed assets28€37€37=
Current assets29/58€218k€226k▲
Stocks and contracts in progress3€30k€19k▼
Stocks30/36€30k€19k▼
Amounts receivable within one year40/41€11k€6k▼
Trade receivables40€4k€497▼
Other amounts receivable41€7k€6k▼
Current investments50/53€139k€139k=
Cash at bank and in hand54/58€37k€61k▲
Deferred charges and accrued income490/1€752€759▲
Equity and liabilities
Total equity and liabilities10/49€261k€267k▲
Equity10/15€257k€262k▲
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€89k€89k=
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Distributable reserves133€82k€82k=
Profit (loss) carried forward14€92k€98k▲
Amounts payable17/49€5k€5k▲
Amounts payable within one year42/48€5k€5k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€797€2k▲
Non-recurring operating charges66A€2k-
Gross operating margin9900€9k€7k▼
Operating profit (loss)9901€5k€3k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€70€79▲
Recurring financial charges65€70€79▲
Profit (loss) for the period before taxes9903€6k€7k▲
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€5k€5k▲
Profit (loss) for the period to be appropriated9905€5k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€92k€98k▲
Profit (loss) brought forward from the previous period14P€87k€92k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €388 | €1k | €2k | €2k | €2k | = |
| Other operating charges640/8 | €1k | €1k | €1k | €797 | €2k | ▲ 99.7% |
| Non-recurring operating charges66A | - | - | - | €2k | - | - |
| Gross operating margin9900 | €24k | €14k | €5k | €9k | €7k | ▼ 25.9% |
| Operating profit (loss)9901 | €22k | €11k | €821 | €5k | €3k | ▼ 34.4% |
| Financial income75/76B | €23 | €34 | €23 | €2k | €4k | ▲ 88.0% |
| Recurring financial income75 | €23 | €34 | €23 | €2k | €4k | ▲ 88.0% |
| Financial charges65/66B | €154 | €340 | €70 | €70 | €79 | ▲ 13.8% |
| Recurring financial charges65 | €154 | €340 | €70 | €70 | €79 | ▲ 13.8% |
| Profit (loss) for the period before taxes9903 | €22k | €11k | €774 | €6k | €7k | ▲ 2.4% |
| Income taxes67/77 | €6k | €2k | €182 | €1k | €1k | ▼ 5.5% |
| Profit (loss) for the period9904 | €16k | €9k | €592 | €5k | €5k | ▲ 4.7% |
| Profit (loss) for the period to be appropriated9905 | €16k | €9k | €592 | €5k | €5k | ▲ 4.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €255k | €260k | €256k | €261k | €267k | ▲ 2.2% |
| Fixed assets21/28 | €39k | €48k | €45k | €43k | €41k | ▼ 5.1% |
| Tangible fixed assets22/27 | €39k | €48k | €45k | €43k | €41k | ▼ 5.1% |
| Land and buildings22 | €39k | €39k | €39k | €38k | €38k | ▼ 0.8% |
| Plant, machinery and equipment23 | - | €6k | €5k | €4k | €2k | ▼ 38.6% |
| Furniture and vehicles24 | - | €2k | €2k | €1k | €795 | ▼ 38.7% |
| Financial fixed assets28 | €37 | €37 | €37 | €37 | €37 | = |
| Current assets29/58 | €216k | €212k | €211k | €218k | €226k | ▲ 3.7% |
| Stocks and contracts in progress3 | €38k | €37k | €35k | €30k | €19k | ▼ 37.2% |
| Stocks30/36 | €38k | €37k | €35k | €30k | €19k | ▼ 37.2% |
| Amounts receivable within one year40/41 | €7k | €15k | €16k | €11k | €6k | ▼ 44.9% |
| Trade receivables40 | €953 | €2k | €2k | €4k | €497 | ▼ 87.4% |
| Other amounts receivable41 | €6k | €14k | €15k | €7k | €6k | ▼ 21.4% |
| Current investments50/53 | €59k | €59k | €109k | €139k | €139k | = |
| Cash at bank and in hand54/58 | €111k | €100k | €49k | €37k | €61k | ▲ 66.3% |
| Deferred charges and accrued income490/1 | €615 | €679 | €708 | €752 | €759 | ▲ 0.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €255k | €260k | €256k | €261k | €267k | ▲ 2.2% |
| Equity10/15 | €242k | €251k | €252k | €257k | €262k | ▲ 2.1% |
| Contributions10/11 | €75k | €75k | €75k | €75k | €75k | = |
| Capital10 | €75k | €75k | €75k | €75k | €75k | = |
| Issued capital100 | €75k | €75k | €75k | €75k | €75k | = |
| Reserves13 | €89k | €89k | €89k | €89k | €89k | = |
| Non-distributable reserves130/1 | €8k | €8k | €8k | €8k | €8k | = |
| Legal reserve130 | €8k | €8k | €8k | €8k | €8k | = |
| Distributable reserves133 | €82k | €82k | €82k | €82k | €82k | = |
| Profit (loss) carried forward14 | €78k | €87k | €87k | €92k | €98k | ▲ 5.7% |
| Amounts payable17/49 | €13k | €9k | €5k | €5k | €5k | ▲ 10.9% |
| Amounts payable within one year42/48 | €13k | €9k | €5k | €5k | €5k | ▲ 10.9% |
| Trade debts44 | €2k | €1k | €756 | €2k | €1k | ▼ 25.9% |
| Suppliers440/4 | €2k | €1k | €756 | €2k | €1k | ▼ 25.9% |
| Taxes, remuneration and social security45 | €11k | €8k | €4k | €3k | €4k | ▲ 29.1% |
| Taxes450/3 | €11k | €8k | €2k | €1k | €2k | ▲ 66.6% |
| Remuneration and social security454/9 | - | - | €2k | €2k | €2k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16k | €9k | €592 | €5k | €5k | ▲ 4.7% |
| + Depreciation and write-downs630 | €388 | €1k | €2k | €2k | €2k | = |
| Operating cash flow (approximation) | €16k | €10k | €3k | €7k | €8k | ▲ 3.2% |
| Investment in fixed assets (approximation) | - | €-10k | €0 | €0 | €0 | - |
| Change in cash | - | €-11k | €-50k | €-13k | €24k | ▲ 290% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 11 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €592 ▼93.4%
Net result drops to €592, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €17k ▲315%
Net result €17k, the highest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-07
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Geraardsbergen · 1 establishment unit since 1993
Ground area
184 m²
Building footprint
99 m²
Volume, LiDAR
767 m³
Parcel 41041A0258/00B002, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Edingseweg(Onk) 365, 9500 Geraardsbergen
since 19932.061.451.621
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41041A0258/00B002 | Flanders | 184 m² | 1 · 99 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,386 companies in sector 47761 we hold annual accounts for 1,156. 903 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded30-12-1992
Fiscal year end31-12
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
Scores and ratios are computed by Checked and are not a credit decision.