FCL
ActiveSummary
FCL has been active since 1975 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.78M and a net result of €64k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 81% of 723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-12
Solvency99▲+16
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 3.22 against 7.76 in 2024; short-term debt: 26.3% and cash: 14.7% of total assets), and 26.3% 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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 52
Relative position
BE, all sectors
reference
Sector 52
higher
← 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
73.7%
Return on assets
2.7%
Age of the figures
9 mo
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 filingsDeviation from the deadline
2025
45 d early
2024
48 d early
2023
78 d early
2022
87 d early
2021
51 d early
2020
29 d late
2019
66 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.78M▲ 3.8%
2024 · €1.71M
2018: €332k
2019: €565k
2020: €721k
2021: €956k
2022: €1.31M
2023: €1.42M
2024: €1.71M
2018 → 2025
Total assets
€2.41M▼ 17.9%
2024 · €2.93M
2018: €671k
2019: €1.51M
2020: €1.66M
2021: €2.37M
2022: €2.73M
2023: €2.65M
2024: €2.93M
2018 → 2025
Net result
€64k▼ 82.3%
2024 · €363k
2018: €493k
2019: €234k
2020: €183k
2021: €287k
2022: €449k
2023: €112k
2024: €363k
2018 → 2025
Working capital
€1.41M▼ 38.7%
2024 · €2.29M
2018: €335k
2019: €584k
2020: €737k
2021: €1.56M
2022: €1.92M
2023: €2.01M
2024: €2.29M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€956k-€1.31M▲ 37.4%€1.42M▲ 8.0%€1.71M▲ 20.6%€1.78M▲ 3.8%
Operating result€314k-€504k▲ 60.6%€76k▼ 85.0%€397k▲ 424%€97k▼ 75.6%
Net result€287k-€449k▲ 56.4%€112k▼ 75.0%€363k▲ 224%€64k▼ 82.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 76% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.41M
Fixed assets
€369k ▲ 23.0%
Current assets
€2.04M ▼ 22.6%
Equity and liabilities €2.41M
Equity
€1.78M ▲ 3.8%
Debt
€632k ▼ 48.3%
Debt's share of the balance-sheet total falls from 41.7% to 26.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€122k▼
2024 · €411k
Cash flow
€90k▼
2024 · €376k
Current ratio
3.22▼
2024 · 7.76
Quick ratio
3.15▼
2024 · 7.70
Debt to equity
0.36▼
2024 · 0.71
ROE
3.6%▼
2024 · 21.2%
ROA
2.7%▼
2024 · 12.4%
Interest coverage
25.93▼
2024 · 72.05
Debt ≤ 1 year
€632k▲
2024 · €340k
Income taxes
€39k▼
2024 · €110k
Staff costs
€222k▼
2024 · €225k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.93M€2.41M▼
Fixed assets21/28€300k€369k▲
Tangible fixed assets22/27€62k€131k▲
Plant, machinery and equipment23€41k€116k▲
Furniture and vehicles24€21k€15k▼
Financial fixed assets28€238k€238k=
Current assets29/58€2.63M€2.04M▼
Amounts receivable after more than one year29€384k€445k▲
Other amounts receivable291€384k€445k▲
Stocks and contracts in progress3€18k€50k▲
Stocks30/36€18k€50k▲
Amounts receivable within one year40/41€662k€1.13M▲
Trade receivables40€601k€868k▲
Other amounts receivable41€61k€258k▲
Current investments50/53€908k€8k▼
Cash at bank and in hand54/58€606k€353k▼
Deferred charges and accrued income490/1€56k€58k▲
Equity and liabilities
Total equity and liabilities10/49€2.93M€2.41M▼
Equity10/15€1.71M€1.78M▲
Contributions10/11€44k€44k=
Reserves13€7k€7k=
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€1.66M€1.73M▲
Amounts payable17/49€1.22M€632k▼
Amounts payable after more than one year17€883k-
Financial debts170/4€883k-
Amounts payable within one year42/48€340k€632k▲
Current portion of amounts payable after more than one year42€15k€128k▲
Trade debts44€225k€471k▲
Suppliers440/4€225k€471k▲
Taxes, remuneration and social security45€29k€33k▲
Remuneration and social security454/9€29k€33k▲
Other amounts payable47/48€71k-
Income statement
Code20242025
Remuneration, social security and pensions62€225k€222k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€26k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-38k
Other operating charges640/8€96k€123k▲
Gross operating margin9900€732k€429k▼
Operating profit (loss)9901€397k€97k▼
Financial income75/76B€82k€11k▼
Recurring financial income75€82k€11k▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€473k€103k▼
Income taxes67/77€110k€39k▼
Profit (loss) for the period9904€363k€64k▼
Profit (loss) for the period to be appropriated9905€363k€64k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.73M€1.73M▼
Profit (loss) brought forward from the previous period14P€1.37M€1.66M▲
Profit to be distributed694/7€71k-
Directors or managers695€71k-
Social balance
Average headcount (FTE)90873.23.2=
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-09
State Gazette act
Resignation: DGAL (non-statutory director)Permanent representative: LANO David · Appointment: New Silk Road (nietstatutaire bestuurder) · Name change5 facts ▸
State Gazette act
Resignation: DGAL (non-statutory director)
Permanent representative: LANO David · Appointment: New Silk Road (nietstatutaire bestuurder) · Name change5 facts ▸
- Name change, FCL
- Director resignation, DGAL (non-statutory director)
- Permanent representative, LANO David (permanent representative)
- Director appointment, New Silk Road (nietstatutaire bestuurder)
- Permanent representative, LANO David (permanent representative)
16-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €64k ▼82.3%
Net result drops to €64k, the lowest in the series.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €1MEq €1.31M ▲37.4%
5 profitable years in a row build equity to €1.31M.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 29 days late
2020
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €500kEq €565k ▲70.5%
2 profitable years in a row build equity to €565k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
New Silk Road
CurrentNietstatutaire bestuurder · since 08-09-2026 · Private limited company · perm. rep.: LANO David
08-09-2026
New Silk Road: Appointed as Nietstatutaire bestuurder
08-09-2026
DGAL: Resigned as Non-statutory director
Not every act has been read: a resignation may be missing here
6 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 1975
Ground area
3,399 m²
Building footprint
3,256 m²
Parcel 11807G1333/00D035, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BETRAMIJ
since 19752.011.319.645
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G1333/00D035 | Flanders | 3,399 m² | 1 · 3,256 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Other provisions of the articles (1)
- Name clause: FCL
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 34 EUR awarded · 34 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 34 EUR | 34 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,188 companies in sector 52250 we hold annual accounts for 1,954. 1,060 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-07-1975
Fiscal year end31-12
Activities, NACEBEL 2025
52250Logistics services
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.