FCS-HOME

Active

Private limited companyfounded 20215 yrs activeRue de Philippeville(NAL) 78, 6120 Ham-sur-Heure-Nalinnes, BelgiumKBO/BCE: BE 0765.412.152

The computed 12-month bankruptcy probability of FCS-HOME is 2.0% (moderate). The 2025 annual accounts show equity of €108k and a net result of €2k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 81% of 7321 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

86 / 100

Excellent= vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability10▼-7

Solvency100=

Growth52=

Stability94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €9k at 30 days acceptable

Liquidity ample (current ratio 3.53 against 2.72 in 2024), and 26.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

73.1%

Return on assets

1.5%

Age of the figures

8 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

17 d early

2024

6 d early

2023

25 d early

2022

12 d early

2021

16 d late

← before the deadline after the deadline →

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 months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€108k▲ 2.1%

2024 · €106k

2021: €43k 2022: €80k 2023: €103k 2024: €106k

2021 → 2025

Total assets

€148k▼ 3.8%

2024 · €154k

2021: €64k 2022: €116k 2023: €142k 2024: €154k

2021 → 2025

Net result

€2k▼ 37.9%

2024 · €4k

2021: €38k 2022: €37k 2023: €23k 2024: €4k

2021 → 2025

Working capital

€86k▲ 5.0%

2024 · €82k

2021: €5k 2022: €35k 2023: €40k 2024: €82k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€43k-€80k▲ 84.6%€103k▲ 28.1%€106k▲ 3.4%€108k▲ 2.1%

Operating result€48k-€48k=€31k▼ 35.2%€7k▼ 78.5%€7k▲ 12.7%

Net result€38k-€37k▼ 4.4%€23k▼ 38.8%€4k▼ 84.3%€2k▼ 37.9%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 13% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €148k

18.7%

81.3%

Fixed assets €28k▲ 15.9%

Current assets €121k▼ 7.4%

Equity and liabilities €148k

73.1%

26.9%

Equity €108k▲ 2.1%

Debt €40k▼ 16.8%

The debt ratio falls from 31.1% to 26.9%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€17k▲

2024 · €17k

Cash flow

€12k▼

2024 · €14k

Solvency

73.1%▲

2024 · 68.9%

Current ratio

3.53▲

2024 · 2.72

Quick ratio

3.53▲

2024 · 2.72

Debt / equity

0.37▼

2024 · 0.45

ROE

2.0%▼

2024 · 3.3%

ROA

1.5%▼

2024 · 2.3%

Interest coverage

9.78▼

2024 · 15.31

Debt

€40k▼

2024 · €48k

Debt ≤ 1 year

€34k▼

2024 · €48k

Debt > 1 year

€6k

Income taxes

€3k▲

2024 · €2k

Staff costs

€97k▲

2024 · €89k

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€154k€148k▼

Fixed assets21/28€24k€28k▲

Tangible fixed assets22/27€24k€28k▲

Plant, machinery and equipment23€11k€8k▼

Furniture and vehicles24€9k€17k▲

Other tangible fixed assets26€4k€3k▼

Current assets29/58€130k€121k▼

Amounts receivable within one year40/41€115k€106k▼

Trade receivables40€79k€80k▲

Other amounts receivable41€35k€25k▼

Cash at bank and in hand54/58€11k€13k▲

Deferred charges and accrued income490/1€4k€2k▼

Equity and liabilities

Total equity and liabilities10/49€154k€148k▼

Equity10/15€106k€108k▲

Contributions10/11€5k€5k=

Profit (loss) carried forward14€101k€103k▲

Amounts payable17/49€48k€40k▼

Amounts payable after more than one year17-€6k

Financial debts170/4-€6k

Amounts payable within one year42/48€48k€34k▼

Current portion of amounts payable after more than one year42-€7k

Trade debts44€27k€14k▼

Suppliers440/4€27k€14k▼

Taxes, remuneration and social security45€21k€13k▼

Taxes450/3€10k€6k▼

Remuneration and social security454/9€10k€7k▼

Income statement Code20242025

Non-recurring operating income76A€5k€6k▲

Goods, raw materials, services and sundry goods60/61€572k€399k▼

Remuneration, social security and pensions62€89k€97k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€9k▼

Other operating charges640/8€2k€3k▲

Non-recurring operating charges66A€0€5▲

Gross operating margin9900€107k€116k▲

Operating profit (loss)9901€7k€7k▲

Financial charges65/66B€1k€2k▲

Recurring financial charges65€1k€2k▲

Non-recurring financial charges66B-€128

Profit (loss) for the period before taxes9903€6k€6k▲

Income taxes67/77€2k€3k▲

Profit (loss) for the period9904€4k€2k▼

Profit (loss) for the period to be appropriated9905€4k€2k▼

Appropriation of the result

Profit (loss) to be appropriated9906€101k€103k▲

Profit (loss) brought forward from the previous period14P€98k€101k▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

14-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €2k ▼37.9%

Net result drops to €2k, the lowest in the series.

25-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

06-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Equity above €100kEq €103k ▲28.1%

3 profitable years in a row build equity to €103k.

19-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

16-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 16 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2021

establishment The establishment unit on the map

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 de Philippeville(NAL) 786120 Ham-sur-Heure-Nalinnes

Ground area

180 m²

Building footprint

77 m²

Volume, LiDAR

601 m³

Parcel 56058B0374/00S022, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Rue de Philippeville(NAL) 78, 6120 Ham-sur-Heure-Nalinnes

Real estate development

since 20212.317.382.557

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
56058B0374/00S022	Wallonia	180 m²	1 · 77 m²	9.2 m · 3 fl.

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.

Similar companies · same sector, comparable size

Anderlecht · Eq €108k

RAMA-CONSTRUCT

BE 0648.664.536

Charleroi · Eq €108k

B&B Betonherstelling BV

Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 12,925 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-03-2021

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

41002Construction of residential and non-residential buildings

41003General construction of other non-residential buildings

43910Bricklaying and masonry work

43990Other specialised construction activities

43994Specialised construction activities

43995Specialised construction activities

43999Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.