Fa-N-Co

Active

Private limited companyfounded 20233 yrs activeRue de Lincé 34, 4130 Esneux, BelgiumKBO/BCE: BE 0797.549.737

Summary

Fa-N-Co has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,756 and a net result of €13,905. Equity is growing by ~68.5% per year across the filed fiscal years. Its solvency ranks better than 30% of 34931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch Report Compare

Fa-N-CoActiveChecked score 90/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200Business consulting NACE 70220

1 site

Size

€89,513total assets 2025

Equity: €26,756
Profit: €13,905

Turnover not published (abridged schema)

Financial health

90 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.2%

Structure

Accounts filed 31 d late1 of 2 deeds read

Why 90- 1 change of registered office in 24 months- Latest accounts 31 days late; 1 of the last 3 late+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Liquidity: current ratio 1.47, cash €29,590Show the evidence

Checked score

Score 2025

90 / 100

Excellent

Probability in this band: under 0.55%

Better than 62% of its sector peers (NACE 70, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 55+15

equity 29.9% of total assets

Liquidity 78+17

short-term debt 31.2% · cash 33.1%

Profitability 88+14

return on assets 15.5%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (47,477 companies)

Last 15 months 08-2025: 0.1% 09-2025: 0.1%▼ -17.3% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%▲ +1.6% vs 02-2026 04-2026: 0.1%▲ +5.6% vs 03-2026 05-2026: 0.1%▲ +6.8% vs 04-2026 06-2026: 0.1%▲ +0.7% vs 05-2026 07-2026: 0.2%▲ +7.7% vs 06-2026 08-2026: 0.3%▲ +68.2% vs 07-2026highest value 09-2026: 0.1%▼ -67.2% vs 08-2026lowest value 10-2026: 0.2%▲ +125% vs 09-2026

Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Liquidity: current ratio 1.47, cash €29,590 lowers the probability
1 change of registered office in 24 months raises the probability
Latest accounts 31 days late; 1 of the last 3 late raises the probability

Credit up to €2,000 at 30 days acceptable

Liquidity tight (current ratio 1.47 against 1.04 in 2024; short-term debt: 31.2% and cash: 33.1% of total assets), and 70.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 30%, liquidity 70%, profitability 58%, growth against the median 90%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Activities of head offices; management consultancy activities (NACE 70)

In the bankruptcy model this factor lowers the probability.

KBO

Liquidity: current ratio 1.47, cash €29,590

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Latest accounts 31 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

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 · 3 filings

Deviation from the deadline

2025

31 d late

2024

10 d late

2023

17 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 19 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 18 August (3 of the last 3 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage