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F&C

Active
Private limited companyfounded 2021active for 5 yearsTen Ede 15, 9620 Zottegem, BelgiumKBO/BCE: BE 0769.270.574
Summary

F&C has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,124 and a net result of -€9,016. Equity has been growing by about 6.7% per year since 2022. Its solvency ranks better than 19% of 11,771 sector peers (NACE 71, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Official details

Source: KBO
Status
Active since 02-06-2021 Normal situation
Activity
Other technical testing and analysis NACE 71209and 1 other
Joint committee
302 Paritair Comité voor het hotelbedrijf · annual accounts 2025
Establishment units
2.317.771.547 9420 Erpe-Mere, since 02-06-2021
2.362.553.477 9420 Erpe-Mere, since 02-09-2024
Financial year end
31 December
Peppol
Reachable since 28-07-2024

Board and ownership

Board
  • De Clercq FreekDirector

Financial position

80 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Annual accounts 2025
Gross margin
€106,462
▲ 557%
Turnover
≈ €210,000
estimated
Loss
€9,016
Equity
€26,124
▼ 25.7%
Total assets
€158,280
▼ 7.2%
Employees on 31-12-2025
6
▲ 200%
Score breakdownraises riskLoss of €9,016 (financial year 2025)lowers riskSector: Architectural and engineering activities; technical testing and analysis (NACE 71)Size: total assets €158,280Figures for financial year 2025 (filed on 18-06-2026)Show the evidence

Checked score

Score 2025
80 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 19% of micro companies in architecture and engineering (NACE 71)
Financial strength · tick: 2024
Weak
Solvency 42-4
equity 16.5% of total assets
Liquidity 42-7
short-term debt 36.3% · cash 6.6%
Profitability 31-26
return on assets -5.7%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (14,825 companies, NACE 71, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025lowest value 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: 0.3%▲ +0.3 percentage points vs 06-2025 08-2025: 0.3%● unchanged vs 07-2025 09-2025: 0.3%● unchanged vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.4%▲ +0.1 percentage points vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026highest value 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.4%● unchanged vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.4%● unchanged vs 09-2026 11-2026: 0.4%● unchanged vs 10-2026
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.7 (0.9 in 2024), below 1. Short-term debt is 36.3% and cash 6.6% of total assets. 83.5% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 71, micro). It does better than 20% of them on solvency, 21% on liquidity, 16% on profitability and 18% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
KBO
lowers risk · Size: total assets €158,280
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 18-06-2026)
NBB · annual accounts
raises risk · Loss of €9,016 (financial year 2025)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 11771 sector peers (2025).
NBB · sector comparison
Position among 11771 sector peers
Solvency
better than 19%
← weakest strongest →
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 18-06-2026, 43 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
43 days early
2024
42 days early
2023
33 days early
2022
40 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 4 accounts on average 40 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 June (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: More staff in 2025from 2.3 FTE to 5.4 FTE ▲ 135% View
  • Caution: Lower net result than 89% of companies in architecture and engineeringsector median €16,709 · 11,773 companies -€9,016 View
  • Caution: A director leftlatest change 27-07-2026 · 1 in office 1 left View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View

Recent changes

  1. · Gazette deed Registered office moved from Erpe-Mere to Zottegem
  2. · Gazette deed Resignation: Charline Vermeir (director)
  3. · Gazette deed Company renamed from RIO SOLUTIONS to F&CAppointment: Vermeir Charline (director)
All 11 events

Comparable companies

These companies have the same main activity as F&C: other technical testing and analysis (NACE 71209). They are comparable in size and age: total assets between €137,000 and €229,000, founded between 2020 and 2022.

CompanyTotal assetsGross margin
F&C Zottegem€158,280€106,462
SLOVECO CONSULTING Oostkamp€136,649€101,563
HKM Expertise Haaltert€192,298€77,385
Explus Stekene€180,010€69,081
FLYWEL Beveren-Kruibeke-Zwijndrecht€228,731€86,191
ECOO New Technologies Houthalen-Helchteren€152,297€77,421
Karma Engineering Sint-Lambrechts-Woluwe€157,295€78,693
Full comparison

Key facts about F&C

What is the company number of F&C?
The company number of F&C is 0769.270.574. The VAT number is the same number with BE in front: BE 0769.270.574.
Where is F&C based?
The registered office is at Ten Ede 15, 9620 Zottegem.Company details
What does F&C do?
According to the KBO register, the main activity is other technical testing and analysis (NACE 71209).
What is the legal form of F&C?
The legal form of F&C is Private limited company (BV).
When was F&C founded?
F&C was founded on 02-06-2021.
Is F&C still active?
Yes, F&C is an active enterprise in the KBO register.
How many employees does F&C have?
F&C had an average of 5.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does F&C fall under?
In its 2025 annual accounts, F&C states joint committee 302 (Paritair Comité voor het hotelbedrijf).
What is the turnover of F&C?
The turnover in financial year 2025 is ≈ €210,000. This figure is estimated from the gross margin of €106,462 and 36 comparable companies (NACE 71). It probably lies between €160,000 and €280,000.
Is F&C profitable?
In financial year 2025, F&C made a loss of €9,016.
Where can I find the annual accounts of F&C?
F&C filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of F&C due?
F&C must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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