FCL HOLDING
ActiveSummary
FCL HOLDING has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €10.92M and a net result of €1.10M. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 92% of 59 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2026
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability31▲+2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €850k at 30 days acceptable
Liquidity ample (current ratio 19.77 against 44.63 in 2025; short-term debt: 3.9% and cash: 26.8% of total assets), and 4.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 2026Solvency, return and age of the figures
Solvency
95.2%
Return on assets
9.6%
Age of the figures
6 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
lowers risk · Growing equity
Reported equity is higher than in 2024 and did not fall compared with 2025. These amounts do not establish the cause of the change.
NBB · annual accounts 2026Equity per financial year
1920212223242526
2019 to 2026 · latest year €10.92M
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 21-09-2026, 40 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
40 d early
2025
49 d early
2024
48 d early
2023
47 d early
2022
38 d early
2021
34 d early
2020
32 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 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1.10M
2025 · €-18k
2019: €4.84M
2020: €-206k
2021: €461k
2022: €324k
2023: €-1k
2024: €237k
2025: €-18k
2019 → 2026
Working capital
€8.30M▲ 14.9%
2025 · €7.22M
2019: €8.56M
2020: €7.14M
2021: €7.45M
2022: €7.59M
2023: €7.28M
2024: €7.26M
2025: €7.22M
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€9.66M-€9.64M▼ 0.2%€9.87M▲ 2.3%€9.84M▼ 0.3%€10.92M▲ 11.0%
Operating result€111k-€-325k€-28k▲ 91.3%€-327k▼ 1,060%€-434k▼ 32.7%
Net result€324k-€-1k€237k€-18k€1.10M
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €434k in 2026 against €327k in 2025; the loss grows and 2026 has the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €11.47M
Fixed assets
€2.73M ▼ 2.6%
Current assets
€8.74M ▲ 18.3%
Equity and liabilities €11.47M
Equity
€10.92M ▲ 11.0%
Debt
€550k ▲ 54.0%
Debt's share of the balance-sheet total rises from 3.5% to 4.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€-52k▼
2025 · €7k
Cash flow
€1.49M▲
2025 · €316k
Current ratio
19.77▼
2025 · 44.63
Debt to equity
0.05▲
2025 · 0.04
ROE
10.1%▲
2025 · -0.2%
ROA
9.6%▲
2025 · -0.2%
Interest coverage
-3.63▼
2025 · 1.21
Debt ≤ 1 year
€442k▲
2025 · €166k
Debt > 1 year
€108k▼
2025 · €191k
Income taxes
€375k▲
2025 · €5k
Staff costs
€178k▲
2025 · €169k
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 · 2026 against 2025 · 59 lines
Balance sheet
Code20252026
Assets
Total assets20/58€10.19M€11.47M▲
Fixed assets21/28€2.80M€2.73M▼
Intangible fixed assets21€779k€784k▲
Tangible fixed assets22/27€1.97M€1.89M▼
Land and buildings22€1.79M€1.68M▼
Plant, machinery and equipment23€137k€172k▲
Furniture and vehicles24€48k€36k▼
Financial fixed assets28€53k€53k=
Current assets29/58€7.39M€8.74M▲
Amounts receivable within one year40/41€210k€49k▼
Trade receivables40€18k€2k▼
Other amounts receivable41€192k€48k▼
Current investments50/53€6.89M€5.61M▼
Cash at bank and in hand54/58€288k€3.08M▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€10.19M€11.47M▲
Equity10/15€9.84M€10.92M▲
Contributions10/11€2.54M€2.54M=
Capital10€2.54M€2.54M=
Issued capital100€2.54M€2.54M=
Reserves13€7.29M€8.38M▲
Non-distributable reserves130/1€254k€254k=
Legal reserve130€254k€254k=
Tax-exempt reserves132€22k€22k=
Distributable reserves133€7.02M€8.10M▲
Amounts payable17/49€357k€550k▲
Amounts payable after more than one year17€191k€108k▼
Financial debts170/4€183k€99k▼
Other amounts payable178/9€9k€9k=
Amounts payable within one year42/48€166k€442k▲
Current portion of amounts payable after more than one year42€89k€91k▲
Trade debts44€25k€11k▼
Suppliers440/4€25k€11k▼
Taxes, remuneration and social security45€35k€323k▲
Taxes450/3€6k€293k▲
Remuneration and social security454/9€28k€30k▲
Other amounts payable47/48€16k€17k▲
Accrued charges and deferred income492/3€313€218▼
Income statement
Code20252026
Non-recurring operating income76A€92k-
Remuneration, social security and pensions62€169k€178k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€334k€382k▲
Other operating charges640/8€22k€22k▲
Gross operating margin9900€199k€149k▼
Operating profit (loss)9901€-327k€-434k▼
Financial income75/76B€320k€1.93M▲
Recurring financial income75€320k€1.93M▲
Financial charges65/66B€6k€14k▲
Recurring financial charges65€6k€14k▲
Profit (loss) for the period before taxes9903€-13k€1.48M▲
Income taxes67/77€5k€375k▲
Profit (loss) for the period9904€-18k€1.10M▲
Profit (loss) for the period to be appropriated9905€-18k€1.10M▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€1.10M▲
Transfer from equity791/2€34k-
Transfer to equity691/2-€1.09M
To other reserves6921-€1.09M
Profit to be distributed694/7€16k€17k▲
Employees696€16k€17k▲
Social balance
Average headcount (FTE)90871.61.6=
The notes to these accounts (17 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 2027, expected by
2026
21-09
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
31-03
Financial
Back to profitnet €1.10M
Net result €1.10M after one loss-making year.
31-03
Financial
Equity above €10MEq €10.92M ▲11%
Equity rises from €9.84M to €10.92M.
2025
12-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
13-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Back to profitnet €237k
Net result €237k after one loss-making year.
2023
14-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Back to profitnet €461k
Net result €461k after one loss-making year.
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-206k ▼104%
Net result drops to €-206k, the lowest in the series; recovery starts the following year.
Show earlier events
2019
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
12-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Heusden-Zolder · 1 establishment unit since 2004
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.
Mijnwerkerslaan 143550 Heusden-ZolderGround area
5,074 m²
Building footprint
1,162 m²
Volume, LiDAR
77 m³
Parcel 71065A0205/00A021, Flanders · tallest building 6.1 m. Linked by address, not a title deed.
1 establishment unit
FCL
since 20042.139.628.869
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065A0205/00A021 | Flanders | 5,074 m² | 1 · 1,162 m² | 6.1 m |
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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,100 EUR awarded · 2,100 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,100 EUR | 2,100 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
529900HQPTRB7E7BCT47
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 6,365 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 formPublic limited company
Founded15-09-2004
Fiscal year end31-03
Abbreviation NL
FCL
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.