F.A. CONCEPT
ActiveF.A. CONCEPT has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.17M and a net result of €22k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 65% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +26 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▲+3
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €300k at 30 days acceptable
Liquidity ample (current ratio 3.35 against 8.52 in 2024), and 29.4% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
70.6%
Return on assets
0.5%
Age of the figures
14 mo
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 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
on the day
2023
2 d early
2022
26 d early
2021
13 d early
2020
2 d early
2019
1 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 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3.17M▲ 0.7%
2024 · €3.14M
2019: €2.65M
2020: €2.96M
2021: €3.13M
2022: €3.13M
2023: €3.14M
2024: €3.14M
2019 → 2025
Total assets
€4.49M▲ 14.6%
2024 · €3.91M
2019: €4.06M
2020: €4.21M
2021: €4.58M
2022: €4.11M
2023: €4.11M
2024: €3.91M
2019 → 2025
Net result
€22k▲ 220%
2024 · €7k
2019: €-188k
2020: €313k
2021: €164k
2022: €-2k
2023: €11k
2024: €7k
2019 → 2025
Working capital
€1.90M▼ 2.9%
2024 · €1.96M
2019: €1.48M
2020: €2.03M
2021: €2.19M
2022: €2.06M
2023: €2.16M
2024: €1.96M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.13M-€3.13M▼ 0.1%€3.14M▲ 0.3%€3.14M▲ 0.2%€3.17M▲ 0.7%
Operating result€87k-€-5k€27k€3k▼ 88.8%€15k▲ 410%
Net result€164k-€-2k€11k€7k▼ 34.0%€22k▲ 220%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 410% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.49M
Fixed assets
€1.77M▲ 4.7%
Current assets
€2.72M▲ 22.2%
Equity and liabilities €4.49M
Equity
€3.17M▲ 0.7%
Debt
€1.32M▲ 71.4%
The debt ratio rises from 19.7% to 29.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€19k▲
2024 · €7k
Cash flow
€26k▲
2024 · €11k
Solvency
70.6%▼
2024 · 80.3%
Current ratio
3.35▼
2024 · 8.52
Quick ratio
3.35▼
2024 · 8.52
Debt / equity
0.42▲
2024 · 0.25
ROE
0.7%▲
2024 · 0.2%
ROA
0.5%▲
2024 · 0.2%
Interest coverage
4.44▲
2024 · 1.05
Debt
€1.32M▲
2024 · €771k
Debt ≤ 1 year
€811k▲
2024 · €261k
Debt > 1 year
€510k=
2024 · €510k
Income taxes
€381▲
2024 · €251
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€3.91M€4.49M▲
Fixed assets21/28€1.69M€1.77M▲
Tangible fixed assets22/27€373k€368k▼
Plant, machinery and equipment23€14k€10k▼
Furniture and vehicles24€358k€358k▼
Financial fixed assets28€1.32M€1.40M▲
Current assets29/58€2.22M€2.72M▲
Amounts receivable after more than one year29€904k€863k▼
Other amounts receivable291€904k€863k▼
Amounts receivable within one year40/41€1.26M€1.74M▲
Trade receivables40€205k€213k▲
Other amounts receivable41€1.05M€1.53M▲
Cash at bank and in hand54/58€50k€101k▲
Deferred charges and accrued income490/1€14k€7k▼
Equity and liabilities
Total equity and liabilities10/49€3.91M€4.49M▲
Equity10/15€3.14M€3.17M▲
Contributions10/11€2.72M€2.72M=
Reserves13€418k€418k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€418k€418k=
Profit (loss) carried forward14€7k€29k▲
Amounts payable17/49€771k€1.32M▲
Amounts payable after more than one year17€510k€510k=
Financial debts170/4€510k€510k=
Amounts payable within one year42/48€261k€811k▲
Financial debts43€2k€1k▼
Credit institutions430/8€2k€1k▼
Trade debts44€122k€655k▲
Suppliers440/4€122k€655k▲
Taxes, remuneration and social security45€2k€33k▲
Taxes450/3€2k€33k▲
Other amounts payable47/48€136k€121k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€800€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€4k€0▼
Gross operating margin9900€13k€22k▲
Operating profit (loss)9901€3k€15k▲
Financial income75/76B€11k€12k▲
Recurring financial income75€11k€12k▲
Financial charges65/66B€7k€4k▼
Recurring financial charges65€7k€4k▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€7k€23k▲
Income taxes67/77€251€381▲
Profit (loss) for the period9904€7k€22k▲
Profit (loss) for the period to be appropriated9905€7k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€29k▲
Profit (loss) brought forward from the previous period14P-€7k
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (13 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Back to profitnet €313k
Net result €313k after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
10-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
10-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Antwerpen · 2 establishment units 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.
Entrepotkaai 16 H612000 AntwerpenGround area
4,909 m²
Building footprint
2,973 m²
Volume, LiDAR
70,359 m³
Parcel 11802B0059/00G002, Flanders · tallest building 31.0 m, ±10 floors. Linked by address, not a title deed.
2 establishment units
F.A. CONCEPT
since 19982.085.450.312
F.A. CONCEPT
since 20222.327.817.183
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11802B0059/00G002 | Flanders | 4,909 m² | 1 · 2,973 m² | 31.0 m · 10 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.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 15,249 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-1998
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.