FLOR BUSINESS

Active

Private limited companyfounded 20215 yrs activeJules Debeckerstraat 18, 1081 Koekelberg, BelgiumKBO/BCE: BE 0762.844.226

The computed 12-month bankruptcy probability of FLOR BUSINESS is 3.4% (moderate). The 2025 annual accounts show equity of €58k and a net result of €16k. Equity is growing by ~26.4% per year across the filed fiscal years. Its solvency ranks better than 85% of 7321 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

100 / 100

Excellent= vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+18

Solvency100=

Growth38▲+3

Stability94

Bankruptcy probability, 12 months

3.4% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity ample (current ratio 3.57 against 2.94 in 2024), and 22.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

77.4%

Return on assets

21.7%

Age of the figures

15 mo

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

on the day

2024

3 d late

2023

on the day

2022

on the day

← before the deadline after the deadline →

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 months

Position in the running window

30-06-2026 close16-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€93k▲ 19.9%

2024 · €78k

2022: €118k 2023: €69k 2024: €78k

2022 → 2025

EBIT margin

25.0%▲ 12.3pp

2024 · 12.7%

2022: 28.9% 2023: 15.7% 2024: 12.7%

2022 → 2025

Net result

€16k▲ 147%

2024 · €7k

2022: €23k 2023: €7k 2024: €7k

2022 → 2025

Working capital

€44k▲ 106%

2024 · €21k

2022: €11k 2023: €6k 2024: €21k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Turnover€118k-€69k▼ 41.4%€78k▲ 12.1%€93k▲ 19.9%

Equity€28k-€35k▲ 25.3%€42k▲ 18.8%€58k▲ 38.9%

Operating result€34k-€11k▼ 68.1%€10k▼ 9.3%€23k▲ 135%

Net result€23k-€7k▼ 69.1%€7k▼ 7.3%€16k▲ 147%

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 135% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €75k

19.1%

80.9%

Fixed assets €14k▼ 30.2%

Current assets €61k▲ 88.7%

Equity and liabilities €75k

77.4%

22.6%

Equity €58k▲ 38.9%

Debt €17k▲ 55.3%

The debt ratio rises from 20.8% to 22.6%: debt grows faster than equity.

Key figures and ratios

2025 value · change against 2024

EBITDA

€33k▲

2024 · €20k

Cash flow

€26k▲

2024 · €17k

Solvency

77.4%▼

2024 · 79.2%

Current ratio

3.57▲

2024 · 2.94

Quick ratio

3.57▲

2024 · 2.94

Debt / equity

0.29▲

2024 · 0.26

ROE

28.0%▲

2024 · 15.8%

ROA

21.7%▲

2024 · 12.5%

Interest coverage

31352.27▲

2024 · 1253.76

Debt

€17k▲

2024 · €11k

Debt ≤ 1 year

€17k▲

2024 · €11k

Income taxes

€7k▲

2024 · €3k

Staff costs

€1k▲

2024 · €884

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€53k€75k▲

Fixed assets21/28€21k€14k▼

Tangible fixed assets22/27€21k€14k▼

Plant, machinery and equipment23€15k€13k▼

Furniture and vehicles24€6k€1k▼

Current assets29/58€32k€61k▲

Amounts receivable within one year40/41€20k€14k▼

Trade receivables40€14k€9k▼

Other amounts receivable41€6k€5k▼

Cash at bank and in hand54/58€7k€47k▲

Deferred charges and accrued income490/1€6k-

Equity and liabilities

Total equity and liabilities10/49€53k€75k▲

Equity10/15€42k€58k▲

Contributions10/11€5k€5k=

Capital10€5k-

Issued capital100€5k-

Reserves13€500€500=

Non-distributable reserves130/1€500-

Legal reserve130€500-

Distributable reserves133-€500

Profit (loss) carried forward14€36k€52k▲

Amounts payable17/49€11k€17k▲

Amounts payable within one year42/48€11k€17k▲

Trade debts44€4k€10k▲

Suppliers440/4€425€8k▲

Bills of exchange payable441€3k€1k▼

Taxes, remuneration and social security45€3k€7k▲

Taxes450/3€3k€7k▲

Other amounts payable47/48€4k-

Income statement Code20242025

Turnover70€78k€93k▲

Goods, raw materials, services and sundry goods60/61€60k€62k▲

Remuneration, social security and pensions62€884€1k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼

Other operating charges640/8€285€353▲

Gross operating margin9900€21k€34k▲

Operating profit (loss)9901€10k€23k▲

Financial income75/76B-€1

Recurring financial income75-€1

Financial charges65/66B€16€1▼

Recurring financial charges65€16€1▼

Profit (loss) for the period before taxes9903€10k€23k▲

Income taxes67/77€3k€7k▲

Profit (loss) for the period9904€7k€16k▲

Profit (loss) for the period to be appropriated9905€7k€16k▲

Appropriation of the result

Profit (loss) to be appropriated9906€36k€52k▲

Profit (loss) brought forward from the previous period14P€30k€36k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

Next filing, fiscal year 2026, expected by 31-01-2027

2026

31-01

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

03-02

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 3 days late

2024

30-06

Financial Weakest financial yearnet €7k ▼7.3%

Net result drops to €7k, the lowest in the series; recovery starts the following year.

30-06

Financial Liquidity doublescurrent ratio 2.94

Current ratio from 1.32 to 2.94; short-term debt falls from €18k to €11k.

31-01

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-01

NBB filing Annual accounts filed

fiscal year 2022 · micro 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, Koekelberg · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Jules Debeckerstraat 181081 Koekelberg

Ground area

86 m²

Building footprint

66 m²

Volume, LiDAR

1,010 m³

Parcel 21492B0113/00X002, Brussels · tallest building 18.9 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

FLOR BUSINESS

Jules Debeckerstraat 18, 1081 KoekelbergManufacture of metal structures and parts of structures

since 20212.316.293.286

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21492B0113/00X002	Brussels	86 m²	1 · 66 m²	18.9 m · 5 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.

Similar companies · same sector, comparable size

Vinken Luc

BE 0884.566.358

Maasmechelen · Eq €58k

Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 13,029 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-02-2021

Fiscal year end30-06

Activities, NACEBEL

41001General construction of residential buildings

41003General construction of other non-residential buildings

81210General cleaning of buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.