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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of FLORANCES is 1.8% (moderate). The 2024 annual accounts show equity of €582k and a net result of €332k. Its solvency ranks better than 50% of 1229 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideFiled after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 29-08-2025 | 29 d late | 2025-00429800 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.8%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€332k
Working capital€656k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · verkort
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 20.3% | 20.4% | |
| Net result | €332k | €26k | |
| Equity | €582k | €142k | |
| Gross operating margin | €1.69M | €215k | |
| Staff costs | €893k | €161k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €796k |
| Net profit | €332k |
| Cash flow | €580k |
| Staff costs | €893k |
| Income taxes | €105k |
| Dividends | - |
| Total assets | €2.87M |
| Equity | €582k |
| Debt | €2.29M |
| of which ≤ 1y | €481k |
| of which > 1y | €1.81M |
| Working capital | €656k |
| Employees (FTE) | 17.7 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 2.36 |
| Quick ratio | 1.66 |
| Working capital ratio | 22.8% |
| Solvency | 20.3% |
| Debt / equity | 3.94 |
| Long-term debt ratio | 3.10 |
| Interest coverage | 6.78 |
| Gross margin | - |
| Net margin | - |
| ROA | 11.6% |
| ROE | 57.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €2.87M |
| Fixed assets | 21/28 | €1.73M |
| Formation expenses | 20 | €3k |
| Intangible fixed assets | 21 | €238k |
| Tangible fixed assets | 22/27 | €1.49M |
| Financial fixed assets | 28 | €4k |
| Current assets | 29/58 | €1.14M |
| Stocks & contracts in progress | 3 | €336k |
| Amounts receivable within one year | 40/41 | €116k |
| Investments | 50/53 | €351k |
| Cash & bank | 54/58 | €332k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €2.87M |
| Equity | 10/15 | €582k |
| Contributions / capital | 10/11 | €250k |
| Reserves | 13 | €332k |
| Amounts payable | 17/49 | €2.29M |
| Amounts payable after one year | 17 | €1.81M |
| Amounts payable within one year | 42/48 | €481k |
| Trade debts payable within one year | 44 | €172k |
| Income statement | ||
| Gross operating margin | 9900 | €1.69M |
| Operating result | 9901 | €548k |
| Financial income | 75 | €6k |
| Financial charges | 65 | €117k |
| Result before taxes | 9903 | €437k |
| Income taxes | 67/77 | €105k |
| Net result for the period | 9904 | €332k |
| Result to be appropriated | 9905 | €332k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed73
/ 100
Healthy
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationSPAR Malderen
since 20232.350.171.824
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3,501 m²
Buildings1
Building footprint1,319 m²
Volume (LiDAR)5,826 m³
Tallest building11.1 m · ±1 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23048B0310/00E004 | Flanders | 3,500 m² | 1 · 1,319 m² | 11.1 m · 1 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 acts Address history · 1
03-03-2025
Registered-office move
All acts · 1
updated 1 year ago
2025
03-03-2025 Registered office moved from LEBWEKE to Londerzeel
- ROSSEVAALSTRAAT 97- 9280 LEBВЕКЕ → Lippelostraat 24- 1840 Londerzeel
Analysis
Snowflake analysis
financial profile on 5 axes72
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
73
Profitability
100
Solvency
48
Growth
-
Stability
67
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 1,663 of the 10,422 companies in this sector. 563 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)47114Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte = 2500 m²)47115
Primary activity highlighted.
Names & trade names
| Legal nameNL | FLORANCES |
Registered office
Lippelostraat 24
1840 Londerzeel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.