FC&DS CONCEPT
ActiveSummary
The computed 12-month bankruptcy probability of FC&DS CONCEPT is 1.7% (moderate). The 2025 annual accounts show equity of €118k and a net result of €10k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 27965 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability79▲+8
Solvency100=
Growth35=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 39.54 against 10.58 in 2024; short-term debt: 2.5% and cash: 39.5% of total assets), and 2.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
97.5%
Return on assets
8.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
7 d late
2023
21 d late
2022
28 d late
2021
33 d late
2020
11 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€361k▼ 14.8%
2021 · €423k
EBIT margin
3.9%▼ 0.5pp
2021 · 4.4%
Net result
€10k▲ 374%
2024 · €2k
Working capital
€116k▲ 9.7%
2024 · €106k
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€423k€361k▼ 14.8%
Operating result€18k▼ 75.7%€14k▼ 24.5%€7k▼ 52.5%€9k▲ 42.9%€13k▲ 32.9%
Net result€18k▼ 69.6%€14k▼ 25.2%€7k▼ 47.0%€2k▼ 70.7%€10k▲ 374%
EBIT margin4.4%3.9%▼ 0.5pp
Equity€85k▲ 22.1%€99k▲ 16.2%€106k▲ 7.4%€108k▲ 2.0%€118k▲ 9.4%
Total assets€93k▼ 2.5%€102k▲ 10.1%€119k▲ 16.3%€119k▲ 0.5%€121k▲ 1.8%
Debt€8k▼ 69.8%€3k▼ 57.4%€13k▲ 284%€11k▼ 12.2%€3k▼ 72.7%
Working capital€69k▲ 47.5%€93k▲ 34.5%€104k▲ 12.2%€106k▲ 1.4%€116k▲ 9.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 33% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€2k ▼ 7.3%
Current assets
€119k ▲ 1.9%
Equity and liabilities €121k
Equity
€118k ▲ 9.4%
Debt
€3k ▼ 72.7%
Debt's share of the balance-sheet total falls from 9.3% to 2.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▲
2024 · €10k
Cash flow
€11k▲
2024 · €3k
Current ratio
39.54▲
2024 · 10.58
Debt to equity
0.03▼
2024 · 0.10
ROE
8.6%▲
2024 · 2.0%
ROA
8.3%▲
2024 · 1.8%
Interest coverage
67.26▲
2024 · 47.53
Debt ≤ 1 year
€3k▼
2024 · €11k
Income taxes
€3k▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €423k | €361k | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €398k | €343k | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €10k | €4k | €522 | €1k | ▲ 123% |
| Other operating charges640/8 | €785 | €521 | €334 | €432 | €997 | ▲ 131% |
| Gross operating margin9900 | €29k | €25k | €11k | €10k | €15k | ▲ 41.5% |
| Operating profit (loss)9901 | €18k | €14k | €7k | €9k | €13k | ▲ 32.9% |
| Financial income75/76B | - | - | €3k | €1k | €745 | ▼ 31.2% |
| Recurring financial income75 | - | - | €3k | €1k | €745 | ▼ 31.2% |
| Financial charges65/66B | €152 | €210 | €210 | €210 | €205 | ▼ 2.7% |
| Recurring financial charges65 | €152 | €210 | €210 | €210 | €205 | ▼ 2.7% |
| Profit (loss) for the period before taxes9903 | €18k | €14k | €10k | €10k | €13k | ▲ 26.9% |
| Income taxes67/77 | €-30 | - | €2k | €8k | €3k | ▼ 63.3% |
| Profit (loss) for the period9904 | €18k | €14k | €7k | €2k | €10k | ▲ 374% |
| Profit (loss) for the period to be appropriated9905 | €18k | €14k | €7k | €2k | €10k | ▲ 374% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €93k | €102k | €119k | €119k | €121k | ▲ 1.8% |
| Fixed assets21/28 | €16k | €6k | €2k | €2k | €2k | ▼ 7.3% |
| Tangible fixed assets22/27 | €16k | €6k | €2k | €2k | €2k | ▼ 7.3% |
| Plant, machinery and equipment23 | €352 | - | - | - | - | - |
| Furniture and vehicles24 | €15k | €6k | €2k | €2k | €2k | ▼ 7.3% |
| Current assets29/58 | €77k | €96k | €117k | €117k | €119k | ▲ 1.9% |
| Amounts receivable within one year40/41 | €73k | €73k | €79k | €65k | €71k | ▲ 9.0% |
| Trade receivables40 | €37k | €23k | €33k | €32k | €21k | ▼ 35.5% |
| Other amounts receivable41 | €37k | €51k | €47k | €33k | €51k | ▲ 51.5% |
| Cash at bank and in hand54/58 | €4k | €23k | €38k | €51k | €48k | ▼ 7.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €93k | €102k | €119k | €119k | €121k | ▲ 1.8% |
| Equity10/15 | €85k | €99k | €106k | €108k | €118k | ▲ 9.4% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Capital10 | €6k | - | - | - | - | - |
| Issued capital100 | €6k | - | - | - | - | - |
| Profit (loss) carried forward14 | €79k | €93k | €100k | €102k | €112k | ▲ 9.9% |
| Amounts payable17/49 | €8k | €3k | €13k | €11k | €3k | ▼ 72.7% |
| Amounts payable within one year42/48 | €8k | €3k | €13k | €11k | €3k | ▼ 72.7% |
| Trade debts44 | €6k | €1k | €10k | €9k | - | - |
| Suppliers440/4 | €6k | €1k | €10k | €9k | - | - |
| Taxes, remuneration and social security45 | - | - | €2k | €2k | €3k | ▲ 36.4% |
| Taxes450/3 | - | - | €2k | €2k | €3k | ▲ 36.4% |
| Other amounts payable47/48 | €2k | €2k | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18k | €14k | €7k | €2k | €10k | ▲ 374% |
| + Depreciation and write-downs630 | €9k | €10k | €4k | €522 | €1k | ▲ 123% |
| Operating cash flow (approximation) | €28k | €24k | €11k | €3k | €11k | ▲ 325% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-1k | €-1k | ▲ 18.1% |
| Change in cash | - | €19k | €15k | €14k | €-4k | ▼ 127% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity quadruplescurrent ratio 39.54
Current ratio from 10.58 to 39.54; short-term debt falls from €11k to €3k.
07-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
30-09
Financial
Weakest financial yearnet €2k ▼70.7%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
30-09
Financial
Equity above €100kEq €106k ▲7.4%
4 profitable years in a row build equity to €106k.
28-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
30-09
Financial
Liquidity triplescurrent ratio 29.42
Current ratio from 10.00 to 29.42; short-term debt falls from €8k to €3k.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 33 days late
2021
30-09
Financial
Liquidity quadruplescurrent ratio 10.00
Current ratio from 2.84 to 10.00; short-term debt falls from €25k to €8k.
19-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Overijse · 1 establishment unit since 2019
Ground area
2,660 m²
Building footprint
600 m²
Volume, LiDAR
5,021 m³
2 parcels, Flanders · tallest building 17.2 m, ±4 floors. Linked by address, not a title deed.
311
companies at this address
See who is registered here
1 establishment unit
FC&DS CONCEPT
since 20192.289.287.991
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0376/02D005 | Flanders | 1,934 m² | 1 · 198 m² | 6.6 m · 1 fl. |
| 22302C0229/00H000 | Flanders | 726 m² | 1 · 402 m² | 17.2 m · 4 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.
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Of 15,521 companies in sector 43990 we hold annual accounts for 7,414. 6,189 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-05-2019
Fiscal year end30-09
Activities, NACEBEL 2025
43990Other specialised construction activities
Contact
E-mail
fcdsconcept@yahoo.com
Scores and ratios are computed by Checked and are not a credit decision.