F.C. Lancaster
ActiveSummary
F.C. Lancaster has been active since 1938 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €239k and a net result of €-13k. Equity is shrinking by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-2
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
short-term debt: 0.4% and cash: 0% of total assets, and 0.4% 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
18192122232425
2018 to 2025 · latest year €-13k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
6 d early
2023
30 d late
2022
62 d late
2021
41 d late
2019
91 d late
2018
60 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€239k▼ 5.0%
2024 · €252k
2018: €450k
2019: €439k
2021: €454k
2022: €599k
2023: €263k
2024: €252k
2018 → 2025
Total assets
€240k▼ 4.7%
2024 · €252k
2018: €522k
2019: €501k
2021: €467k
2022: €678k
2023: €264k
2024: €252k
2018 → 2025
Net result
€-13k▼ 22.0%
2024 · €-10k
2018: €82k
2019: €-11k
2021: €7k
2022: €145k
2023: €-3k
2024: €-10k
2018 → 2025
Working capital
€213k▼ 4.1%
2024 · €222k
2018: €365k
2019: €361k
2021: €391k
2022: €599k
2023: €228k
2024: €222k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€454k-€599k▲ 32.0%€263k▼ 56.2%€252k▼ 4.0%€239k▼ 5.0%
Operating result€10k-€219k▲ 2,030%€-3k€-10k▼ 302%€-24k▼ 137%
Net result€7k-€145k▲ 2,018%€-3k€-10k▼ 227%€-13k▼ 22.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €24k in 2025 against €10k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€27k ▼ 12.3%
Current assets
€214k ▼ 3.7%
Equity and liabilities €240k
Equity
€239k ▼ 5.0%
Debt
€1k ▲ 278%
Debt's share of the balance-sheet total rises from 0.1% to 0.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-20k▼
2024 · €-6k
Cash flow
€-9k▼
2024 · €-7k
Debt to equity
0.00▲
2024 · 0.00
ROE
-5.3%▼
2024 · -4.1%
ROA
-5.3%▼
2024 · -4.1%
Interest coverage
-152.78▼
2024 · -59.73
Debt ≤ 1 year
€1k▲
2024 · €271
A ratio outside any meaningful range has been withheld (balance sheet total €240k, equity €239k).
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 · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€252k€240k▼
Fixed assets21/28€31k€27k▼
Tangible fixed assets22/27€31k€27k▼
Furniture and vehicles24€31k€27k▼
Current assets29/58€222k€214k▼
Amounts receivable within one year40/41€211k€214k▲
Other amounts receivable41€211k€214k▲
Cash at bank and in hand54/58€10k€18▼
Equity and liabilities
Total equity and liabilities10/49€252k€240k▼
Equity10/15€252k€239k▼
Contributions10/11€19k€19k=
Reserves13€417k€417k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€415k€415k=
Profit (loss) carried forward14€-183k€-196k▼
Amounts payable17/49€271€1k▲
Amounts payable within one year42/48€271€1k▲
Financial debts43-€406
Credit institutions430/8-€406
Trade debts44-€348
Suppliers440/4-€348
Taxes, remuneration and social security45€271€271=
Taxes450/3€271€271=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-5k€-19k▼
Operating profit (loss)9901€-10k€-24k▼
Financial income75/76B-€11k
Recurring financial income75-€11k
Financial charges65/66B€108€133▲
Recurring financial charges65€108€133▲
Profit (loss) for the period before taxes9903€-10k€-13k▼
Income taxes67/77€140-
Profit (loss) for the period9904€-10k€-13k▼
Profit (loss) for the period to be appropriated9905€-10k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-183k€-196k▼
Profit (loss) brought forward from the previous period14P€-173k€-183k▼
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 818.48
Current ratio from 185.75 to 818.48; short-term debt falls from €1k to €271.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Liquidity times 22current ratio 185.75
Current ratio from 8.62 to 185.75; short-term debt falls from €79k to €1k.
01-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 62 days late
2022
31-12
Financial
Highest result since 2018net €145k ▲2018%
Operating result €219k, net result €145k, both a record.
31-12
Financial
Equity above €500kEq €599k ▲32%
2 profitable years in a row build equity to €599k.
10-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 41 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 29.92
Current ratio from 6.77 to 29.92; short-term debt falls from €63k to €14k.
Show earlier events
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
29-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 60 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
2017
24-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 116 days late
08-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 312 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Waterloo · 1 establishment unit since 1986
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 Forestier 101410 WaterlooGround area
107 m²
Building footprint
55 m²
Volume, LiDAR
508 m³
Parcel 25110S0072/00V000, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
F C LANCASTER
since 19862.031.666.483
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110S0072/00V000 | Wallonia | 107 m² | 1 · 55 m² | 10.7 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
BLUE FASHION
BE 0475.614.952
Antwerpen · Eq €239k
CLATOM
BE 0651.731.815
Berlaar · Eq €238k
BERNARD & LOUISE
BE 0474.920.413
Antwerpen · Eq €242k
LOBBO
BE 0471.391.789
Ieper · Eq €243k
PRESTIGE BUSINESS FASHION
BE 0872.950.510
Sint-Martens-Latem · Eq €245k
Of 1,275 companies in sector 46160 we hold annual accounts for 685. 484 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 (pre-2019)
Founded02-05-1938
Fiscal year end31-12
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.