FCO Partner
ActiveFCO Partner has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €514 and a net result of €-3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
7
/ 100
Critical▼ -31 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency3▼-5
Growth32=
Stability94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.64 against 0.77 in 2024), and 99.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
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 · 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 2025Solvency, return and age of the figures
Solvency
0.1%
Return on assets
-0.6%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31523 sector peers (2025).
NBB · sector comparisonPosition among 31523 sector peers
Solvency
better than 10%
← 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 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
29 d late
2022
61 d late
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€514▼ 83.5%
2024 · €3k
2022: €40k
2023: €-9k
2024: €3k
2022 → 2025
Total assets
€448k▲ 338%
2024 · €102k
2022: €91k
2023: €125k
2024: €102k
2022 → 2025
Net result
€-3k
2024 · €12k
2022: €36k
2023: €-49k
2024: €12k
2022 → 2025
Working capital
€-61k▼ 163%
2024 · €-23k
2022: €10k
2023: €-42k
2024: €-23k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€40k-€-9k€3k€514▼ 83.5%
Operating result€57k-€61k▲ 7.5%€111k▲ 81.2%€154k▲ 38.9%
Net result€36k-€-49k€12k€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 39% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €416k
Fixed assets
€309k▲ 1,070%
Current assets
€107k▲ 40.7%
Equity and liabilities €448k
Equity
€514▼ 83.5%
Debt
€448k▲ 351%
The debt ratio rises from 97.0% to 99.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€166k▲
2024 · €122k
Cash flow
€9k▼
2024 · €23k
Solvency
0.1%▼
2024 · 3.0%
Current ratio
0.64▼
2024 · 0.77
Quick ratio
0.64▼
2024 · 0.77
ROA
-0.6%▼
2024 · 12.1%
Interest coverage
1.06▼
2024 · 1.24
Debt
€448k▲
2024 · €99k
Debt ≤ 1 year
€168k▲
2024 · €99k
Debt > 1 year
€280k
Income taxes
€1k▲
2024 · €549
Equity ratios withheld: equity of €514 is too small for a meaningful ratio.
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€102k€448k▲
Formation expenses20-€33k
Fixed assets21/28€26k€309k▲
Tangible fixed assets22/27€14k€296k▲
Land and buildings22-€293k
Furniture and vehicles24€14k€3k▼
Financial fixed assets28€12k€12k=
Current assets29/58€76k€107k▲
Amounts receivable within one year40/41-€76k
Trade receivables40-€26k
Other amounts receivable41-€50k
Cash at bank and in hand54/58€75k€30k▼
Deferred charges and accrued income490/1€893€1k▲
Equity and liabilities
Total equity and liabilities10/49€102k€448k▲
Equity10/15€3k€514▼
Contributions10/11€4k€4k=
Reserves13€35k€35k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€-36k€-38k▼
Amounts payable17/49€99k€448k▲
Amounts payable after more than one year17-€280k
Financial debts170/4-€280k
Amounts payable within one year42/48€99k€168k▲
Current portion of amounts payable after more than one year42€4k€26k▲
Trade debts44€667€1k▲
Suppliers440/4€667€1k▲
Taxes, remuneration and social security45€15k€8k▼
Taxes450/3€12k€4k▼
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€80k€133k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€124k€167k▲
Operating profit (loss)9901€111k€154k▲
Financial income75/76B€3€1▼
Recurring financial income75€3€1▼
Financial charges65/66B€98k€156k▲
Recurring financial charges65€98k€156k▲
Profit (loss) for the period before taxes9903€13k€-1k▼
Income taxes67/77€549€1k▲
Profit (loss) for the period9904€12k€-3k▼
Profit (loss) for the period to be appropriated9905€12k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€-38k▼
Profit (loss) brought forward from the previous period14P€-48k€-36k▲
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-49k ▼237%
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hamois · 1 establishment unit since 2021
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.
Rue du Tige, Schaltin 355364 HamoisGround area
3,085 m²
Building footprint
119 m²
Parcel 91116B0651/00W002, Wallonia. Linked by address, not a title deed.
1 establishment unit
FCO Partner
since 20212.315.298.542
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91116B0651/00W002 | Wallonia | 3,085 m² | 1 · 118 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.
Recognitions · licences · registrations
Legal Entity Identifier
2549000HB66GUC794Z57
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 3,005 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-02-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.