F & L Housing

Active

Private limited company (pre-2019)founded 2009active for 16 yearsConsciencestraat 56, 2018 Antwerpen, BelgiumKBO/BCE: BE 0821.685.119

Summary

The computed 12-month bankruptcy probability of F & L Housing is 3.2% (moderate). The 2025 annual accounts show negative equity (-€22,750) and a net result of -€646. Equity is shrinking by about 3.6% per year across the filed financial years. The company has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals.

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F & L HousingActive

Risk analysis Report Compare

Activity

Activity not known1 site

Size

-€22,750equity 2025

Loss: -€646

Turnover not published (abbreviated or micro format)

Financial health

Bankruptcy probabilitywithin 12 months: 3.2%

Too few figures to score

Structure

Accounts filed 28 days late0 of 3 deeds read

Signalsraises riskFigures for financial year 2024 (filed 17-06-2025)Liquidity: current ratio 0.70No main activity registeredNegative equitylowers riskSize: total assets €50,500neutralA punctual record breaksShow the evidence

Bankruptcy probability

No current score

Insufficient figures

A score requires measurable solvency, liquidity and profitability. Missing figures are not a judgement about the company.

Bankruptcy probability, 12 months

3.2% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 1.4% 12-2024: 1.4%● unchanged vs 11-2024 01-2025: 1.4%● unchanged vs 12-2024 02-2025: 1.4%● unchanged vs 01-2025 03-2025: 1.4%● unchanged vs 02-2025 04-2025: 1.3%▼ -0.1 percentage points vs 03-2025 05-2025: 1.3%● unchanged vs 04-2025 06-2025: 1.2%▼ -0.1 percentage points vs 05-2025 07-2025: 1.3%▲ +0.1 percentage points vs 06-2025 08-2025: 1.2%▼ -0.1 percentage points vs 07-2025 09-2025: 1.2%● unchanged vs 08-2025 10-2025: 1.2%● unchanged vs 09-2025 11-2025: 1.2%● unchanged vs 10-2025 12-2025: 1.2%● unchanged vs 11-2025 01-2026: 1.2%● unchanged vs 12-2025 02-2026: 1.2%● unchanged vs 01-2026 03-2026: 1.2%● unchanged vs 02-2026 04-2026: 1.2%● unchanged vs 03-2026 05-2026: 1.2%● unchanged vs 04-2026 06-2026: 1.2%● unchanged vs 05-2026 07-2026: 1.2%● unchanged vs 06-2026lowest value 08-2026: 2.1%▲ +0.9 percentage points vs 07-2026 09-2026: 2.3%▲ +0.2 percentage points vs 08-2026 10-2026: 3.2%▲ +0.9 percentage points vs 09-2026highest value

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Signals

Six signals.

lowers riskraises riskneutral

Size: total assets €50,500

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Figures for financial year 2024 (filed 17-06-2025)

NBB · annual accounts

Liquidity: current ratio 0.70

NBB · annual accounts

No main activity registered

KBO

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year -€22,750

A punctual record breaks

This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.

NBB · 10 filings

Deviation from the deadline

2025

28 days late

2024

44 days early

2023

54 days early

2022

46 days early

2021

60 days early

2020

54 days early

2019

53 days early

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 40 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Searched, nothing found (2)

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 15 June (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

23-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage