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FCO AUTOMOTIVE

Active
Private limited companyfounded 2022active for 3 yearsChaussée de Nivelles(TX) 216, 5020 Namur, BelgiumKBO/BCE: BE 0793.401.503
Summary

The computed 12-month bankruptcy probability of FCO AUTOMOTIVE is 2.8% (moderate). The 2025 annual accounts show negative equity (-€2,707) and a net result of €5,421. Equity is growing by about 7% per year across the filed financial years. Its solvency ranks better than 21% of 22,513 sector peers (NACE 47, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811Rental and leasing activities NACE 77120
1 site
Size
€170,833total assets 2025
Equity
-€2,707
Profit
€5,421
Turnover not published (micro format)
Financial health
51 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.8%
Structure
  • BUYS Frédéric Michel Marie-RoseDirector
Accounts filed 76 days late2 of 3 deeds read
Why 51raises riskLatest accounts 76 days late; 2 of the last 3 lateNegative equity -€2,707Founded in 2022lowers riskLiquidity: current ratio 0.93, cash €25,894Show the evidence

Checked score

Score 2025
51 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 43% of its sector peers (NACE 47, micro)
Financial strength · tick = 2024
Weak
Solvency 23+23
equity -1.6% of total assets
Liquidity 19+18
short-term debt 101.6% · cash 15.2%
Profitability 68+68
return on assets 3.2%
Bankruptcy probability, 12 months
2.8% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,226 companies, NACE 47, micro)
Last 24 months 11-2024: 3.1% 12-2024: 3.1%● unchanged vs 11-2024 01-2025: 3.1%● unchanged vs 12-2024 02-2025: 3.1%● unchanged vs 01-2025 03-2025: 3.1%● unchanged vs 02-2025 04-2025: 6.3%▲ +3.2 percentage points vs 03-2025 05-2025: 6.3%● unchanged vs 04-2025 06-2025: 6.1%▼ -0.2 percentage points vs 05-2025 07-2025: 6.1%● unchanged vs 06-2025 08-2025: 6.6%▲ +0.5 percentage points vs 07-2025highest value 09-2025: 3.5%▼ -3.1 percentage points vs 08-2025 10-2025: 3.5%● unchanged vs 09-2025 11-2025: 3.5%● unchanged vs 10-2025 12-2025: 3.5%● unchanged vs 11-2025 01-2026: 3.4%▼ -0.1 percentage points vs 12-2025 02-2026: 3.4%● unchanged vs 01-2026 03-2026: 3.5%▲ +0.1 percentage points vs 02-2026 04-2026: 3.5%● unchanged vs 03-2026 05-2026: 3.5%● unchanged vs 04-2026 06-2026: 3.5%● unchanged vs 05-2026 07-2026: 3.3%▼ -0.2 percentage points vs 06-2026 08-2026: 3.9%▲ +0.6 percentage points vs 07-2026 09-2026: 4.0%▲ +0.1 percentage points vs 08-2026 10-2026: 2.8%▼ -1.2 percentage points vs 09-2026lowest value
No credit on open account
Liquidity insufficient (current ratio 0.93, compared with 0.61 in 2024, below 1; short-term debt: 101.6% and cash: 15.2% of total assets), and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 18% on solvency, 17% on liquidity, 48% on profitability and 89% on growth.

The bankruptcy probability was computed on 22-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Latest accounts 76 days late; 2 of the last 3 late
NBB · filings
raises risk · Negative equity -€2,707
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.93, cash €25,894
NBB · annual accounts
raises risk · Founded in 2022
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 22513 sector peers (2025).
NBB · sector comparison
Position among 22513 sector peers
Solvency
better than 21%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-10-2026, 76 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filings
Deviation from the deadline
2025
76 days late
2024
21 days late
2023
238 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 112 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 15 October (3 of the last 3 filed years within 163 days of that day).
Companies Code · seven months
Where today falls in the filing period
23-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2022.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Resignation: Memeti Isar (director)Gazette deed
  3. Back to profitnet €5,421

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€2,707 View
  • Caution: Latest accounts filed lateafter the legal deadline 76 days View
  • Caution: A director leftlatest change 23-02-2026 · 1 in office 1 left View
  • Among the largest 10% on gross marginsector median €34,014 · 22,448 companies €183,154 View

By topic

Financials

Financial year
2025
Total assets
€170,833
Profit
€5,421
Solvency
-1.6%
Total assets▲ 739%
Net result
20232025
Go to Financials

Timeline

Events
6
Since
2024
Next accounts
by 31-07-2027
  1. 21-08-2025Annual accounts filed
  2. 26-03-2025Annual accounts filed
  3. 16-12-2024Purpose · Amendment of the articles ·…
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
08-11-2022
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
1
Purpose
“La location de véhicules utilitaires sans chauffeur,en ce compris l’entretien et le négoce…” (deed in French)
Go to Articles of association

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