FLOVAL
ActiveFLOVAL has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €89k and a net result of €4k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 92% of 17964 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability25▼-39
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 7.57 against 9.32 in 2024), and 13.1% 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
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 · 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
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
86.9%
Return on assets
4.3%
Age of the figures
8 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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
13 d early
2023
27 d late
2022
8 d late
2021
12 d late
2020
24 d late
2019
83 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€89k▲ 5.3%
2024 · €84k
2018: €25k
2019: €34k
2020: €47k
2021: €48k
2022: €57k
2023: €74k
2024: €84k
2018 → 2025
Total assets
€102k▲ 8.3%
2024 · €95k
2018: €87k
2019: €80k
2020: €90k
2021: €85k
2022: €80k
2023: €96k
2024: €95k
2018 → 2025
Net result
€4k▼ 58.9%
2024 · €11k
2018: €13k
2019: €8k
2020: €13k
2021: €1k
2022: €8k
2023: €17k
2024: €11k
2018 → 2025
Working capital
€88k▲ 5.6%
2024 · €84k
2018: €37k
2019: €46k
2020: €40k
2021: €43k
2022: €64k
2023: €78k
2024: €84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€57k▲ 17.1%€74k▲ 30.3%€84k▲ 14.7%€89k▲ 5.3%
Operating result€5k-€13k▲ 194%€24k▲ 81.4%€15k▼ 38.2%€8k▼ 46.1%
Net result€1k-€8k▲ 565%€17k▲ 107%€11k▼ 36.9%€4k▼ 58.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €102k
Fixed assets
€687▼ 27.0%
Current assets
€102k▲ 8.6%
Equity and liabilities €102k
Equity
€89k▲ 5.3%
Debt
€13k▲ 33.7%
The debt ratio rises from 10.6% to 13.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€8k▼
2024 · €15k
Cash flow
€5k▼
2024 · €11k
Solvency
86.9%▼
2024 · 89.4%
Current ratio
7.57▼
2024 · 9.32
Quick ratio
7.41▼
2024 · 9.03
Debt / equity
0.15▲
2024 · 0.12
ROE
5.0%▼
2024 · 12.8%
ROA
4.3%▼
2024 · 11.4%
Interest coverage
12.00▼
2024 · 62.03
Debt
€13k▲
2024 · €10k
Debt ≤ 1 year
€13k▲
2024 · €10k
Income taxes
€3k▼
2024 · €4k
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€95k€102k▲
Fixed assets21/28€940€687▼
Tangible fixed assets22/27€940€687▼
Furniture and vehicles24€940€687▼
Current assets29/58€94k€102k▲
Stocks and contracts in progress3€3k€2k▼
Stocks30/36€3k€2k▼
Amounts receivable within one year40/41€38k€61k▲
Trade receivables40€33k€54k▲
Other amounts receivable41€4k€7k▲
Cash at bank and in hand54/58€53k€38k▼
Equity and liabilities
Total equity and liabilities10/49€95k€102k▲
Equity10/15€84k€89k▲
Contributions10/11€19k€19k=
Reserves13€12k€15k▲
Non-distributable reserves130/1€12k-
Reserves not available under the articles1311€12k-
Distributable reserves133-€15k
Profit (loss) carried forward14€54k€55k▲
Amounts payable17/49€10k€13k▲
Amounts payable within one year42/48€10k€13k▲
Current portion of amounts payable after more than one year42€3k€0▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€3k€2k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€449€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84€254▲
Non-recurring operating charges66A€63€82▲
Gross operating margin9900€15k€8k▼
Operating profit (loss)9901€15k€8k▼
Financial income75/76B€0€25▲
Recurring financial income75€0€25▲
Financial charges65/66B€245€700▲
Recurring financial charges65€245€700▲
Profit (loss) for the period before taxes9903€15k€7k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€11k€4k▼
Profit (loss) for the period to be appropriated9905€11k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€58k▼
Profit (loss) brought forward from the previous period14P€53k€54k▲
Transfer to equity691/2€10k€4k▼
To other reserves6921€10k€4k▼
The notes to these accounts (8 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Highest result since 2018net €17k ▲107%
Operating result €24k, net result €17k, both a record.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Weakest financial yearnet €1k ▼90.6%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 83 days late
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
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, Bever · 1 establishment unit since 2000
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.
Poreel 161547 BeverGround area
1,581 m²
Building footprint
384 m²
Volume, LiDAR
1,981 m³
2 parcels, Flanders, Wallonia · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
LAZULI
since 20002.096.540.776
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23009A0675/00E000 | Flanders | 1,380 m² | 1 · 316 m² | 6.7 m · 1 fl. |
| 55010C0206/00C000 | Wallonia | 201 m² | 1 · 68 m² | 13.5 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
Cash 4 Gold
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HOUSE OF TIME
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C&B
BE 0477.638.886
Middelkerke · Eq €90k
MIGIANI
BE 0545.801.281
Antwerpen · Eq €88k
MULTIDISCI
BE 0891.608.954
Watermaal-Bosvoorde · Eq €91k
Of 2,003 companies in sector 47770 we hold annual accounts for 892. 698 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2000
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
52484
47784Retail sale of souvenirs and religious articles
47786Retail trade
52497
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.