CONCEPTUAL & FUNCTIONAL CONSULTING
ActiveSummary
The annual accounts of CONCEPTUAL & FUNCTIONAL CONSULTING for fiscal year 2026 show a net loss of 68% of the equity at the start of that year. The 2026 annual accounts show equity of €2k and a net result of €-5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 32% of 190 sector peers (fiscal year 2026). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2026
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability0▼-74
Solvency33▼-20
Growth68=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.96 against 1.11 in 2025; short-term debt: 91.7% and cash: 86.9% of total assets), and 91.7% of the assets are financed with debt.
Credit advice 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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
8.3%
Return on assets
-17.8%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 04-07-2026, 119 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
119 d early
2025
89 d early
2024
93 d early
2023
49 d early
2022
77 d early
2021
88 d early
2020
66 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 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Turnover
€74k▲ 75.0%
2021 · €43k
2019: €29k
2020: €26k
2021: €43k
2019 → 2022
EBIT margin
25.8%▼ 29.9pp
2021 · 55.7%
2019: 13.5%
2020: -2.3%
2021: 55.7%
2019 → 2022
Net result
€-5k
2025 · €932
2019: €2k
2020: €-1k
2021: €23k
2022: €12k
2023: €6k
2024: €-1k
2025: €932
2019 → 2026
Working capital
€-908
2025 · €2k
2019: €-8k
2020: €-9k
2021: €6k
2022: €21k
2023: €32k
2024: €4k
2025: €2k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Turnover€74k-
Equity€26k-€32k▲ 22.6%€6k▼ 82.0%€7k▲ 16.2%€2k▼ 68.2%
Operating result€19k-€7k▼ 63.6%€-659€3k€-4k
Net result€12k-€6k▼ 51.3%€-1k€932€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2026: a loss of €4k after €3k in 2025, the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €26k
Fixed assets
€3k ▼ 36.7%
Current assets
€23k ▲ 20.4%
Equity and liabilities €26k
Equity
€2k ▼ 68.2%
Debt
€24k ▲ 39.3%
Debt's share of the balance-sheet total rises from 71.6% to 91.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-2k▼
2025 · €4k
Cash flow
€-3k▼
2025 · €2k
Current ratio
0.96▼
2025 · 1.11
Debt to equity
11.04▲
2025 · 2.52
ROE
-214.4%▼
2025 · 13.9%
ROA
-17.8%▼
2025 · 4.0%
Interest coverage
-3.93▼
2025 · 7.43
Debt ≤ 1 year
€24k▲
2025 · €17k
Income taxes
€23▼
2025 · €2k
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 · 2026 against 2025 · 35 lines
Balance sheet
Code20252026
Assets
Total assets20/58€24k€26k▲
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€172€172=
Current assets29/58€19k€23k▲
Amounts receivable within one year40/41-€310
Other amounts receivable41-€310
Cash at bank and in hand54/58€19k€22k▲
Equity and liabilities
Total equity and liabilities10/49€24k€26k▲
Equity10/15€7k€2k▼
Contributions10/11€15k€15k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-10k€-15k▼
Amounts payable17/49€17k€24k▲
Amounts payable within one year42/48€17k€24k▲
Trade debts44€964€234▼
Suppliers440/4€964€234▼
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€14k€23k▲
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€658€2k▲
Other operating charges640/8€943€1k▲
Gross operating margin9900€5k€-1k▼
Operating profit (loss)9901€3k€-4k▼
Financial charges65/66B€502€564▲
Recurring financial charges65€502€564▲
Profit (loss) for the period before taxes9903€3k€-5k▼
Income taxes67/77€2k€23▼
Profit (loss) for the period9904€932€-5k▼
Profit (loss) for the period to be appropriated9905€932€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-15k▼
Profit (loss) brought forward from the previous period14P€-11k€-10k▲
The notes to these accounts (5 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 2027, expected by
2026
04-07
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Weakest financial yearnet €-5k ▼590%
Net result drops to €-5k, the lowest in the series.
2025
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €932
Net result €932 after one loss-making year.
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
15-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 4.07
Current ratio from 1.42 to 4.07; short-term debt falls from €15k to €7k.
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
31-03
Financial
Liquidity triplescurrent ratio 1.42
Current ratio from 0.51 to 1.42; short-term debt falls from €19k to €15k.
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · full 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, Ramillies · 1 establishment unit since 1998
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.
Rue du Tombois 61367 RamilliesGround area
702 m²
Building footprint
101 m²
Volume, LiDAR
733 m³
Parcel 25030B0465/00K000, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
C.F.C.
since 19982.089.091.275
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25030B0465/00K000 | Wallonia | 702 m² | 1 · 101 m² | 10.0 m · 3 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
CA INSIDE
BE 0838.862.037
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Conforta-Quality
BE 0553.552.175
Menen · Eq €2,164
Capel Wereld Interieurs
BE 0794.863.530
Maasmechelen · Eq €2,083
LE GRENIER D'IGOR
BE 0430.101.166
Liège · Eq €2,206
WILLIAM CONCEPT
BE 0537.808.580
Sint-Gillis (bij-Brussel) · Eq €2,250
Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 280 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-1998
Fiscal year end31-03
Abbreviation FR
CFC
Activities, NACEBEL 2025
47551Retail sale of household furniture
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:cfc@popscom.be