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F & C

Active Public limited companyfounded 1989active for 36 yearsRue de Nimal 27, 6030 CharleroiKBO/BCE: BE 0439.711.787
F & C
Financial year 2025
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Annual accounts 2025

abbreviated format, filed on 26-08-2026, 26 days late
€31,933
▼ 21.8%
€16,741
▼ 11.7%
€145,435
▲ 0.8%
€137,932
▲ 8.3%
71.7%
▲ 1.6 percentage points
0.33
▼ 0.01

Money flows

turnover is 7.1% of income in 2025

Balance sheet

balance sheet total €1.5m on 31-12-2025
What the company ownsHow it is paid for

in €m

in euro

Position in the sector

Compare with sector

71.7%

Higher than 80% of 11,299 companies in 2025.

0.33

Higher than 23% of 10,851 companies in 2025.

0.6%

Higher than 47% of 11,184 companies in 2025.

F & C Middle half of the sector 80% of the sector Abbreviated accounts in real estate (NACE 68)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: bottom quarter · Staff: top quarter

Staff

€39,077

Staff costs divided by the average number of full-time equivalents.

level

people who joined people who left

In 2025, 1 person joined and 1 left.

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
Balance sheet: assets
20/58 1.5m1.5m1.6m1.6m2.2m2.4m2.8m2.6m2.3m2.1m2.1m2.3m2.5m2.3m2.3m2.3m2.3m1.9m1.6m1.4m
21/28 1.3m1.4m1.4m1.5m2.2m2.3m2.4m2.5m2.2m2.0m2.0m2.1m2.2m2.0m1.9m1.9m1.6m1.5m1.3m1.1m
21 -----83167250250-----------
22/27 1.3m1.4m1.4m1.5m2.2m2.3m2.3m2.5m2.2m1.9m2.0m2.1m2.2m2.0m1.9m1.9m1.6m1.5m1.2m1.1m
22 1.2m1.3m1.3m1.4m2.0m2.1m2.1m2.2m1.9m1.7m1.8m1.9m2.0m1.8m1.7m1.8m1.5m1.4m1.2m969,450
23 45,29154,68844,86537,03544,13954,09560,54938,08441,10542,69223,03820,12721,83624,565344,5091,6972,83820,3379,363
24 1,6561,434208312415547--1,0403,6646,2338,45312,5325,6737,564-3312,040200333
26 36,12756,93082,62891,809125,636117,922153,709189,495184,995170,214191,338180,046155,130140,179162,86688,812101,825114,83866,22750,713
28 19,831-19,83219,83219,83219,83219,83219,83219,83219,83219,83219,83219,83219,83219,83219,83219,83219,83219,83219,832
29/58 130,049129,088116,62694,0468,98173,435461,312138,255139,436112,72981,397123,689324,070314,519439,911402,453732,813393,436377,138318,340
40/41 109,943102,38899,28876,555240240316,94154,00056,97430,00032257,240166,889232,704376,541331,023213,154309,184329,788257,233
40 109,943102,38898,62576,555240240316,94154,00056,97430,00032257,240166,889232,704376,541331,023213,154309,184329,725175,058
41 --663---------------6382,175
54/58 6,28614,0584,6964,8498,74173,195144,37169,85568,06268,32963,07566,44995,9812152,17010,230458,45978,75247,35059,454
490/1 13,82012,64212,64212,642---14,40014,40014,40018,000-61,20081,60061,20061,20061,2005,500-1,653
Balance sheet: equity and liabilities
10/49 1.5m1.5m1.6m1.6m2.2m2.4m2.8m2.6m2.3m2.1m2.1m2.3m2.5m2.3m2.3m2.3m2.3m1.9m1.6m1.4m
10/15 1.1m1.1m1.0m1.0m1.1m1.0m933,352929,411927,369912,738846,862822,979820,880818,435799,461788,095787,353785,082764,472325,527
10/11 500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,00062,000
10 500,000500,000500,000500,000500,000---------------
100 500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,000500,00062,000
12 320,198320,198320,198320,198320,198320,198320,198320,198320,198320,198320,198320,198320,198320,198320,198320,198320,198320,198320,198320,198
14 240,160230,922228,880219,251231,483213,266113,154109,213107,17192,54026,6642,781682-1,763-20,737-32,103-32,845-35,116-55,726-56,671
17/49 419,017449,113504,403564,4761.1m1.4m1.9m1.7m1.4m1.2m1.3m1.4m1.7m1.5m1.5m1.5m1.5m1.1m880,7641.1m
17 19,02459,930119,494199,445580,162761,082892,506889,489575,124420,892616,235805,1131.0m1.0m1.0m1.2m1.2m852,073460,908559,380
170/4 19,02459,930119,494199,445580,162761,082892,506889,489575,124420,892616,235805,1131.0m1.0m1.0m1.2m1.2m852,073460,908559,380
42/48 399,993389,183384,909365,031561,527590,644994,180805,966827,595732,956653,861622,344687,123477,139530,739368,706317,885297,011419,856515,559
42 29,30429,30429,30474,180152,808192,920234,186123,695206,761213,596248,081266,627308,155263,116270,677129,328104,870104,87049,236-
43 171717171717171,93117-174,96012,52110,237--3,776-2,7482,288
430/8 171717171717171,93117-174,96012,52110,237--3,776-2,7482,288
44 263,173291,220272,764224,891228,699162,616490,431127,709217,518143,59151,490137,490156,7838,18559,04069,74324,0898,752220,12111,750
440/4 263,173291,220272,764224,891228,699162,616490,431127,709217,518143,59151,490137,490156,7838,18559,04069,74324,0898,752220,12111,750
45 96,24568,64282,82462,78845,08897,42751,74582,14354,00826,59128,80817,80320,80028,33727,40823,25630,915151,75414,21713,386
450/3 34,18332,29733,17216,4058,76065,68216,29238,60211,4284,0287,4211,9251,7343,6831,21421211,1031,283-4,159
454/9 62,06236,34549,65246,38336,32831,74535,45343,54142,58022,56321,38715,87819,06624,65426,19423,04419,812150,47114,2179,227
47/48 11,254--3,155134,915137,664217,801470,488349,291349,178325,465195,464188,864167,264173,614146,379154,23531,635133,534488,135
Income statement
70 31,93340,811-37,17995,263274,738200,587224,913234,261132,163166,67225,79832,40064,840-----128,256
76A ----1,255617--------------
9900 315,528300,209287,470399,057335,259496,529379,808366,971350,224374,899328,579316,723311,608324,641280,973292,197243,311229,681143,455129,662
60/61 132,136133,408-114,854141,204154,082168,146211,562213,589168,486206,97186,654101,38756,301-----63,336
62 117,231100,869104,652107,912119,343129,436143,155127,60399,95578,03983,74980,05431,49557,24061,28372,00748,79275,90433,89326,376
630 128,694125,359113,758105,883162,676161,102163,041165,299153,453148,659149,162142,395174,771150,355118,484129,681109,91177,00065,84363,633
640/8 52,86255,01855,629137,93547,23049,15348,24947,97952,79851,45140,68040,98441,37334,51327,35627,79126,02410,47412,53712,406
66A -74454431,5291,730--------------
9901 16,74118,95612,98646,8844,481155,10825,36326,09044,01896,75054,98853,29063,96982,53373,85062,71858,58466,30331,18227,247
75/76B 455-1,724-41135787-112-74357494862,6061,0943,225618-
75 455-1,724-41135787-112-74357494862,6061,0943,225618-
65/66B 7,18814,0875,08133,93713,58719,97821,37224,77125,91630,91131,04251,93461,46564,30862,97064,89557,11648,76030,76233,710
65 2,18314,0875,08133,93713,58719,97821,37224,77125,91630,91131,04251,93461,46564,30862,97064,89557,11648,76030,76233,710
66B 5,005-------------------
9903 10,0084,8699,62912,947-9,102135,2433,9962,10618,10265,95123,9462,0992,50918,97411,3664292,56220,7681,038-6,463
67/77 7702,827-25,179-27,31935,13155643,4717563-64---31329115893795
9904 9,2382,0429,629-12,23218,217100,1123,9412,04214,63165,87623,8832,0992,44518,97411,3667422,27120,610945-7,258
9905 9,2382,0429,629-12,23218,217100,1123,9412,04214,63165,87623,8832,0992,44518,97411,3667422,27120,610945-7,258
Appropriation of the result
9906 240,160230,922228,880219,251231,483213,266113,154109,213107,17192,54026,6642,781682-1,763-20,737-32,103-32,845-35,116-55,726-56,671
14P 230,922228,880219,251231,483213,266---------------
Social balance sheet
9087 32.92.933.74.14.24.23.32.52.52.81.3222.422.61.21
Hours worked1013 4,7074,2454,0523,9686,0706,6647,0607,0625,4064,2353,7985,0621,8413,0173,2214,1473,3114,4661,9691,495
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The accounts for 15 older financial years (1991-2005) were filed as documents without figures as data, scans for example.

The notes to these accounts have 10 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 26-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 26 days after the deadline. Filed on 26 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00447211.

Financial year Type Filed Reference Document
31-12-2025 abbreviated format 26-08-2026 2026-00447211 PDF
31-12-2024 micro format 28-08-2025 2025-00450196 PDF
31-12-2023 micro format 26-08-2024 2024-00370554 PDF
31-12-2022 micro format 31-08-2023 2023-00415284 PDF
31-12-2021 micro format 29-08-2022 2022-20354262 PDF
31-12-2020 micro format 09-06-2021 2021-18600332 PDF
31-12-2019 micro format 24-06-2020 2020-20400203 PDF
31-12-2018 full format 28-08-2019 2019-54100002 PDF
31-12-2017 full format 02-08-2018 2018-42500351 PDF
31-12-2016 full format 19-06-2017 2017-19500458 PDF
31-12-2015 full format 02-06-2016 2016-14900357 PDF
31-12-2014 full format 12-08-2015 2015-41700517 PDF
31-12-2013 full format 19-06-2014 2014-19200293 PDF
31-12-2012 full format 02-07-2013 2013-26100054 PDF
31-12-2011 full format 05-06-2012 2012-15200179 PDF
31-12-2010 full format 14-06-2011 2011-16300117 PDF
31-12-2009 full format 14-06-2010 2010-17500087 PDF
31-12-2008 full format 21-01-2010 2010-01800264 PDF
31-12-2007 full format 13-08-2008 2008-56000386 PDF
31-12-2006 full format 20-12-2007 2007-84300295 PDF
31-12-2005 full format 21-06-2006 2006-28602590 PDF
31-12-2004 full format 15-06-2005 2005-26202632 PDF
31-12-2003 full format 28-06-2004 2004-33304997 PDF
31-12-2002 full format 02-10-2003 2003-72200793 PDF
31-12-2001 full format 15-03-2002 2002-06504923 PDF
31-12-2000 full format 02-07-2001 2001-31404444 PDF
31-12-1999 full format 29-09-2000 2000-59705353 PDF
31-12-1998 full format 26-11-1999 1999-60404634 PDF
31-12-1997 full format 27-08-1998 1998-42405114 PDF
31-12-1996 full format 15-01-1998 1998-01003391 PDF
31-12-1995 full format 01-07-1996 1996-28002062 PDF
31-12-1994 full format 28-12-1995 1995-61500570 PDF
31-12-1993 full format 08-11-1994 1994-46205098 PDF
31-12-1992 full format 16-07-1993 1993-26704801 PDF
31-12-1991 full format 08-10-1992 1992-34605124 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
145,435144,315126,744152,767167,157316,210188,404191,389197,471245,409204,150195,685238,740232,888192,334192,399168,495143,30397,02590,880
137,932127,401123,38793,651180,893261,214166,982167,341168,084214,535173,045144,494177,216169,329129,850130,423112,18297,61066,78856,375
106,87579,48140,734-568,62735,310114,13135,156461,258390,24896,78657,97661,853385,682239,910106,195453,393164,581349,632251,81540,262
-7,7729,362-153-3,892-64,454-71,17674,5161,793-2675,254-3,374-29,53295,766-1,955-8,060-448,229379,70731,402-12,104-
-269,944-260,095-268,283-270,985-552,546-517,209-532,868-667,711-688,159-620,227-572,464-498,655-363,053-162,620-90,82833,747414,92896,425-42,718-197,219
52.4%46.4%--4.7%56.5%12.6%11.6%18.8%73.2%33.0%--------21.2%
71.7%70.1%67.5%64.8%47.9%43.3%33.1%35.4%39.8%44.2%40.0%36.6%32.4%35.4%34.1%33.9%33.8%40.6%46.5%23.2%
0.330.330.300.260.020.120.460.170.170.150.120.200.470.660.831.092.311.320.900.62
0.400.430.480.541.091.312.021.821.511.261.501.732.081.821.941.951.961.461.153.30
0.9%0.2%0.9%-1.2%1.7%9.7%0.4%0.2%1.6%7.2%2.8%0.3%0.3%2.3%1.4%0.1%0.3%2.6%0.1%-2.2%
0.6%0.1%0.6%-0.8%0.8%4.2%0.1%0.1%0.6%3.2%1.1%0.1%0.1%0.8%0.5%0.0%0.1%1.1%0.1%-0.5%
66.6210.2424.944.5012.30---------------
1257 days916 days-752 days1 day0 days577 days88 days89 days83 days1 day810 days1880 days1310 days-----498 days
727 days797 days-715 days591 days385 days1065 days220 days372 days311 days91 days579 days564 days53 days-----68 days

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item31-12-202531-12-202431-12-202331-12-202231-12-2021
Employees at the balance-sheet date33333
full-time33233
part-time--1--
in full-time equivalents332.833
32.92.933.7
On a permanent contract22333
Joined11--1
Left11--2

Source: social balance sheet in the 2021 to 2025 annual accounts

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€87,044€79,481€40,734-€35,310
Financial fixed assets€19,831----
€128,694€125,359€113,758€105,883€162,676

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on F & C

The operating result for 2025 is 12% lower than in 2024.

Debt's share of the balance-sheet total falls from 29.9% to 28.3%. Equity is higher and debt is lower.

Next steps

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