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FB CONCEPT

Active
Private limited companyfounded 199234 yrs activeRue du Rivage(HAR) 17, 7321 Bernissart, BelgiumKBO/BCE: BE 0447.439.224
Summary

FB CONCEPT has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,809 and a net result of -€66. Equity is shrinking by ~3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.3% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability36=
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
cash: 52.5% of total assets, and 12.1% of the assets are financed with debt.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 34 years 0 40 y
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
87.9%
Return on assets
-0.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
45 d early
2024
51 d early
2023
50 d early
2022
53 d early
2021
45 d early
2020
52 d early
2019
35 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 47 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

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 months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

FB CONCEPT was incorporated on 20 May 1992.1 Total assets fell from EUR 13,346 in 2018 to EUR 11,164 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, micro schema

Turnover
€0
2024 · €0
EBIT margin
Not included in this filing
Net result
-€66▼ 3.1%
2024 · -€64
Working capital
€9,939▼ 12.5%
2022 · €11,362
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Turnover€0€0€0€0
Operating result-€61▲ 15.3%-€76▼ 24.6%-€1,423▼ 1,772%-€64▲ 95.5%-€66▼ 3.1%
Net result-€61▲ 15.3%-€76▼ 24.6%-€1,423▼ 1,772%-€64▲ 95.5%-€66▼ 3.1%
Equity€11,438▼ 0.5%€11,362▼ 0.7%€9,939▼ 12.5%€9,875▼ 0.6%€9,809▼ 0.7%
Total assets€12,793▼ 0.5%€12,717▼ 0.6%€11,294▼ 11.2%€11,230▼ 0.6%€11,164▼ 0.6%
Debt€1,355=€1,355=€1,355=€1,355=€1,355=
Working capital€11,438▼ 0.5%€11,362▼ 0.7%€9,939▼ 12.5%
Staff (FTE)0
Result per fiscal year
Operating resultNet result
-€1,500-€1,000-€500€0Operating result 2021: -€61-€61Net result 2021: -€61-€61Operating result 2022: -€76-€76Net result 2022: -€76-€76Operating result 2023: -€1,423-€1,423Net result 2023: -€1,423-€1,423Operating result 2024: -€64-€64Net result 2024: -€64-€64Operating result 2025: -€66-€66Net result 2025: -€66-€6620212022202320242025-€1,500-€1,000-€500€0Operating result 2023: -€1,423-€1,420Net result 2023: -€1,423-€1,420Operating result 2024: -€64-€64Net result 2024: -€64-€64Operating result 2025: -€66-€66Net result 2025: -€66-€66202320242025
The operating result stays negative: a loss of €66 in 2025 against €64 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €11,164
Equity €9,809 ▼ 0.7%
Debt €1,355 =
Debt's share of the balance-sheet total rises from 12.1% to 12.1%. Equity is lower.
Key figures and ratios
2025 value · change against 2024
Debt to equity
0.14▲
2024 · 0.14
ROE
-0.7%▼
2024 · -0.6%
ROA
-0.6%▼
2024 · -0.6%
Debt > 1 year
€1,355=
2024 · €1,355
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.6% went bankrupt
8.5% stopped otherwise
90% still going

A further 0.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 25 lines
Balance sheet Code20242025
Assets
Total assets20/58€11,230€11,164▼
Current assets29/58€11,230€11,164▼
Stocks and contracts in progress3€5,306€5,306=
Stocks30/36€5,306€5,306=
Cash at bank and in hand54/58€5,924€5,858▼
Equity and liabilities
Total equity and liabilities10/49€11,230€11,164▼
Equity10/15€9,875€9,809▼
Contributions10/11€18,592€18,592=
Reserves13€6,483€6,483=
Non-distributable reserves130/1€1,859€1,859=
Reserves not available under the articles1311€1,859€1,859=
Distributable reserves133€4,624€4,624=
Profit (loss) carried forward14-€15,200-€15,266▼
Amounts payable17/49€1,355€1,355=
Amounts payable after more than one year17€1,355€1,355=
Other amounts payable178/9€1,355€1,355=
Income statement Code20242025
Turnover70€0€0=
Goods, raw materials, services and sundry goods60/61€64€66▲
Gross operating margin9900-€64-€66▼
Operating profit (loss)9901-€64-€66▼
Profit (loss) for the period before taxes9903-€64-€66▼
Profit (loss) for the period9904-€64-€66▼
Profit (loss) for the period to be appropriated9905-€64-€66▼
Appropriation of the result
Profit (loss) to be appropriated9906-€15,200-€15,266▼
Profit (loss) brought forward from the previous period14P-€15,136-€15,200▼

The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Turnover70€0-€0€0€0-
Goods, raw materials, services and sundry goods60/61€73€76-€64€66▲ 3.1%
Gross operating margin9900-€61-€76-€1,423-€64-€66▼ 3.1%
Operating profit (loss)9901-€61-€76-€1,423-€64-€66▼ 3.1%
Financial income75/76B€0-----
Recurring financial income75€0-----
Profit (loss) for the period before taxes9903-€61-€76-€1,423-€64-€66▼ 3.1%
Profit (loss) for the period9904-€61-€76-€1,423-€64-€66▼ 3.1%
Profit (loss) for the period to be appropriated9905-€61-€76-€1,423-€64-€66▼ 3.1%
Line20212022202320242025Change
Assets
Total assets20/58€12,793€12,717€11,294€11,230€11,164▼ 0.6%
Current assets29/58€12,793€12,717€11,294€11,230€11,164▼ 0.6%
Stocks and contracts in progress3€5,306€5,306€5,306€5,306€5,306=
Stocks30/36€5,306€5,306€5,306€5,306€5,306=
Cash at bank and in hand54/58€7,487€7,411€5,988€5,924€5,858▼ 1.1%
Equity and liabilities
Total equity and liabilities10/49€12,793€12,717€11,294€11,230€11,164▼ 0.6%
Equity10/15€11,438€11,362€9,939€9,875€9,809▼ 0.7%
Contributions10/11€18,592€18,592€18,592€18,592€18,592=
Revaluation surpluses12€0-----
Reserves13€6,483€6,483€6,483€6,483€6,483=
Non-distributable reserves130/1€1,859€1,859€1,859€1,859€1,859=
Reserves not available under the articles1311--€1,859€1,859€1,859=
Other1319€1,859€1,859----
Distributable reserves133€4,624€4,624€4,624€4,624€4,624=
Profit (loss) carried forward14-€13,637-€13,713-€15,136-€15,200-€15,266▼ 0.4%
Investment grants15€0-----
Advance to shareholders on the distribution of net assets19€0-----
Amounts payable17/49€1,355€1,355€1,355€1,355€1,355=
Amounts payable after more than one year17---€1,355€1,355=
Other amounts payable178/9---€1,355€1,355=
Amounts payable within one year42/48€1,355€1,355€1,355---
Other amounts payable47/48€1,355€1,355€1,355---
Line20212022202320242025Change
Profit (loss) for the period9904-€61-€76-€1,423-€64-€66▼ 3.1%
Operating cash flow (approximation)-€61-€76-€1,423-€64-€66▼ 3.1%
Change in cash--€76-€1,423-€64-€66▼ 3.1%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
16-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
11-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Weakest financial yearnet -€1,423
Net result drops to -€1,423, the lowest in the series; recovery starts the following year.
08-06
NBB filing Annual accounts filed
fiscal year 2022 · full schema
2022
16-06
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
09-06
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
26-06
NBB filing Annual accounts filed
fiscal year 2019 · full schema
2019
18-06
NBB filing Annual accounts filed
fiscal year 2018 · full schema
2018
18-06
NBB filing Annual accounts filed
fiscal year 2017 · full schema
2017
03-09
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 34 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
3 acts for this company are 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, Bernissart · 2 establishment units since 1992
seat establishment All 2 establishment units on the map
Ground area
1,573 m²
Building footprint
140 m²
Volume, LiDAR
1,099 m³
2 parcels, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
EUROPEAN CAR SPRL
Rue César Depaepe 4, 7390 QuaregnonWater transport
since 19922.058.232.508
SAPIENZA
Rue du Rivage(HAR) 17, 7321 BernissartNACE 5010301
since 19962.058.232.607
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
51472B1002/00G000 Wallonia 1,375 m² 1 · 91 m² 9.2 m · 3 fl.
53065B0287/00D003 Wallonia 198 m² 1 · 49 m² 9.6 m · 3 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded20-05-1992
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0447439224
Registered 27-02-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.