FC CONSTRUCT
ActiveSummary
FC CONSTRUCT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €21k and a net result of €39k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 15% of 9982 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▼-6
Solvency30▼-14
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.95 against 1.16 in 2023; short-term debt: 82.8% and cash: 49.1% of total assets), and 94.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
5.1%
Return on assets
9.6%
Age of the figures
21 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 9982 sector peers (2024).
NBB · sector comparisonPosition among 9982 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 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
not confirmed
2024
57 d late
2023
29 d late
2022
31 d late
2021
78 d late
2020
37 d late
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€21k▼ 76.5%
2023 · €89k
2018: €19k
2019: €104k
2020: €108k
2021: €123k
2022: €165k
2023: €89k
2018 → 2024
Total assets
€410k▼ 14.5%
2023 · €479k
2018: €111k
2019: €228k
2020: €245k
2021: €396k
2022: €470k
2023: €479k
2018 → 2024
Net result
€39k▼ 42.3%
2023 · €68k
2018: €19k
2019: €86k
2020: €4k
2021: €15k
2022: €42k
2023: €68k
2018 → 2024
Working capital
€-18k
2023 · €49k
2018: €-21k
2019: €86k
2020: €75k
2021: €95k
2022: €116k
2023: €49k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€108k-€123k▲ 13.5%€165k▲ 34.4%€89k▼ 46.2%€21k▼ 76.5%
Operating result€398-€14k▲ 3,501%€44k▲ 206%€87k▲ 99.0%€69k▼ 20.7%
Net result€4k-€15k▲ 311%€42k▲ 189%€68k▲ 61.5%€39k▼ 42.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 21% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €410k
Fixed assets
€89k ▼ 23.2%
Current assets
€321k ▼ 11.8%
Equity and liabilities €410k
Equity
€21k ▼ 76.5%
Debt
€389k ▼ 0.5%
The debt ratio rises from 81.5% to 94.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€103k▼
2023 · €115k
Cash flow
€73k▼
2023 · €96k
Current ratio
0.95▼
2023 · 1.16
Debt / equity
18.69▲
2023 · 4.40
ROE
189.1%▲
2023 · 76.9%
ROA
9.6%▼
2023 · 14.2%
Interest coverage
10.17▼
2023 · 24.88
Debt ≤ 1 year
€339k▲
2023 · €315k
Debt > 1 year
€50k▼
2023 · €76k
Income taxes
€20k▲
2023 · €19k
Staff costs
€28k▲
2023 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€479k€410k▼
Fixed assets21/28€116k€89k▼
Tangible fixed assets22/27€116k€89k▼
Land and buildings22€24k€22k▼
Plant, machinery and equipment23€7k€4k▼
Furniture and vehicles24€85k€63k▼
Current assets29/58€363k€321k▼
Amounts receivable within one year40/41€130k€116k▼
Trade receivables40€124k€108k▼
Other amounts receivable41€6k€8k▲
Cash at bank and in hand54/58€233k€201k▼
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€479k€410k▼
Equity10/15€89k€21k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€68k€342▼
Amounts payable17/49€390k€389k▼
Amounts payable after more than one year17€76k€50k▼
Financial debts170/4€76k€50k▼
Amounts payable within one year42/48€315k€339k▲
Current portion of amounts payable after more than one year42€22k€40k▲
Trade debts44€105k€133k▲
Suppliers440/4€105k€133k▲
Advances received on contracts in progress46€65k€0▼
Taxes, remuneration and social security45€43k€40k▼
Taxes450/3€42k€38k▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€79k€126k▲
Income statement
Code20232024
Non-recurring operating income76A-€12k
Remuneration, social security and pensions62€17k€28k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€34k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€136k€137k▲
Operating profit (loss)9901€87k€69k▼
Financial income75/76B€5k€587▼
Recurring financial income75€5k€587▼
Financial charges65/66B€5k€10k▲
Recurring financial charges65€5k€10k▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€88k€60k▼
Income taxes67/77€19k€20k▲
Profit (loss) for the period9904€68k€39k▼
Profit (loss) for the period to be appropriated9905€68k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€225k€108k▼
Profit (loss) brought forward from the previous period14P€157k€68k▼
Profit to be distributed694/7€157k€107k▼
Return on contributions (dividend)694€157k€107k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €150kEq €165k ▲34.4%
5 profitable years in a row build equity to €165k.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
06-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 37 days late
2020
31-12
Financial
Weakest financial yearnet €4k ▼95.8%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Highest result since 2018net €86k ▲348%
Operating result €125k, net result €86k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.70
Current ratio from 0.78 to 1.70.
31-12
Financial
Equity above €100kEq €104k ▲456%
2 profitable years in a row build equity to €104k.
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 141 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
04-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Mouscron · 1 establishment unit since 2014
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.
Industriëlaan 84B7700 MouscronGround area
6,091 m²
Building footprint
1,661 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
FC CONSTRUCT
since 20142.265.060.757
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57028B0326/00A000 | Wallonia | 3,669 m² | 1 · 436 m² | - |
| 54007B0412/00N000 | Wallonia | 2,422 m² | 1 · 1,224 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
KRISTOF SIONGERS HOME & GARDEN
BE 0788.736.001
Lummen · Eq €21k
VIKOL
BE 0776.935.158
Wezembeek-Oppem · Eq €21k
DABO
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Balen · Eq €21k
LR Renovatie
BE 0786.510.741
Rotselaar · Eq €21k
BATI CRAVOTTA
BE 0863.174.690
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 11,632 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-2014
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.