CH FLOWERS
ActiveCH FLOWERS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €441k and a net result of €81k. Equity is growing by ~34% per year across the filed fiscal years. Its solvency ranks better than 91% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-1
Solvency100▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 6.29 against 3.97 in 2024; short-term debt: 10.1% and cash: 43.1% of total assets), and 17.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Sector 47
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
82.3%
Return on assets
15.1%
Age of the figures
15 mo
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
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 08-12-2025, 54 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
54 d early
2024
46 d early
2023
44 d early
2022
57 d early
2021
53 d early
2020
9 d early
2019
50 d early
← 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 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€81k▲ 1.7%
2024 · €80k
2019: €61k
2020: €27k
2021: €109k
2022: €74k
2023: €62k
2024: €80k
2019 → 2025
Working capital
€288k▲ 28.6%
2024 · €224k
2019: €-10k
2020: €43k
2021: €118k
2022: €155k
2023: €201k
2024: €224k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€144k-€219k▲ 51.7%€281k▲ 28.4%€360k▲ 28.4%€441k▲ 22.5%
Operating result€164k-€100k▼ 39.0%€95k▼ 4.8%€125k▲ 31.2%€119k▼ 4.9%
Net result€109k-€74k▼ 31.6%€62k▼ 16.7%€80k▲ 28.6%€81k▲ 1.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €537k
Fixed assets
€194k▼ 5.2%
Current assets
€343k▲ 14.3%
Equity and liabilities €537k
Equity
€441k▲ 22.5%
Debt
€95k▼ 33.9%
The debt ratio falls from 28.5% to 17.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€193k▲
2024 · €182k
Cash flow
€156k▲
2024 · €137k
Solvency
82.3%▲
2024 · 71.5%
Current ratio
6.29▲
2024 · 3.97
Quick ratio
5.13▲
2024 · 3.05
Debt / equity
0.22▼
2024 · 0.40
ROE
18.4%▼
2024 · 22.1%
ROA
15.1%▼
2024 · 15.8%
Interest coverage
34.65▲
2024 · 24.06
Debt
€95k▼
2024 · €144k
Debt ≤ 1 year
€54k▼
2024 · €76k
Debt > 1 year
€41k▼
2024 · €68k
Income taxes
€33k▼
2024 · €38k
Staff costs
€94k▲
2024 · €89k
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€504k€537k▲
Fixed assets21/28€205k€194k▼
Tangible fixed assets22/27€205k€194k▼
Plant, machinery and equipment23€100k€115k▲
Furniture and vehicles24€93k€66k▼
Other tangible fixed assets26€11k€13k▲
Current assets29/58€300k€343k▲
Stocks and contracts in progress3€69k€63k▼
Stocks30/36€69k€63k▼
Amounts receivable within one year40/41€34k€44k▲
Trade receivables40€24k€27k▲
Other amounts receivable41€10k€16k▲
Cash at bank and in hand54/58€192k€231k▲
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€504k€537k▲
Equity10/15€360k€441k▲
Contributions10/11€6k€6k=
Reserves13€354k€435k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€352k€433k▲
Profit (loss) carried forward14€148€148=
Amounts payable17/49€144k€95k▼
Amounts payable after more than one year17€68k€41k▼
Financial debts170/4€68k€41k▼
Amounts payable within one year42/48€76k€54k▼
Current portion of amounts payable after more than one year42€38k€28k▼
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€34k€19k▼
Taxes450/3€21k€6k▼
Remuneration and social security454/9€13k€12k▼
Income statement
Code20242025
Remuneration, social security and pensions62€89k€94k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€75k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8€8k€6k▼
Gross operating margin9900€279k€295k▲
Operating profit (loss)9901€125k€119k▼
Financial income75/76B€731€1k▲
Recurring financial income75€731€1k▲
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€118k€114k▼
Income taxes67/77€38k€33k▼
Profit (loss) for the period9904€80k€81k▲
Profit (loss) for the period to be appropriated9905€80k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€81k▲
Profit (loss) brought forward from the previous period14P€148€148=
Transfer to equity691/2€80k€81k▲
To other reserves6921€80k€81k▲
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (12 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
08-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
05-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
30-06
Financial
Equity above €200kEq €219k ▲51.7%
4 profitable years in a row build equity to €219k.
2021
09-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Highest result since 2019net €109k ▲303%
Operating result €164k, net result €109k, both a record.
30-06
Financial
Equity above €100kEq €144k ▲309%
3 profitable years in a row build equity to €144k.
22-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
Financial
Weakest financial yearnet €27k ▼55.9%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
2019
12-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
29-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
05-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Waterloo · 2 establishment units since 2010
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.
Chaussée de Bruxelles 7241410 WaterlooGround area
1,592 m²
Building footprint
283 m²
Volume, LiDAR
776 m³
2 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Chaussée de Bruxelles 724, 1410 Waterloo
since 20102.185.086.039
CH FLOWERS
since 20102.198.245.177
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25764Q0123/00B000 | Wallonia | 829 m² | 1 · 191 m² | - |
| 25763L0720/00A000 | Wallonia | 763 m² | 1 · 92 m² | 10.9 m · 3 fl. |
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.
Similar companies · same sector, comparable size
SELS - EVERGREEN
BE 0464.448.767
Oud-Turnhout · Eq €440k
SUD - GARDEN
BE 0417.787.611
Walcourt · Eq €443k
CPM GARDEN
BE 0415.229.383
Anderlecht · Eq €444k
GROENPARTNERS
BE 0478.040.942
Pittem · Eq €445k
AGRO & TUIN VERBRAEKEN
BE 0872.076.223
Beveren-Kruibeke-Zwijndrecht · Eq €436k
Of 3,387 companies in sector 47761 we hold annual accounts for 1,156. 839 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-2010
Fiscal year end30-06
Activities, NACEBEL
47761Retail sale of flowers, plants, seeds and fertilisers
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.