Equity
-€631
Debts exceed assets in financial year 2025.
FL CONCEPT
Overview
Lifetime
2 annual accounts with figures on one time axispeak €7,233 (2024)
-€3,523▼ €10,756
lowest -€6,422 (2025)
-€6,422▼ €10,713
peak €5,791 (2024)
-€631▼ €6,422
€48,385▲ 43.2%
Board1 name since 2024
1 directorLARDINOIS Florent André Emile Bernard
Documentsfilings and deeds
31-10-202692 days late
2025micro format
Gross margin from €7,233 to -€3,523Loss of €6,422Equity from €5,791 to -€631Debts from €33,780 to €48,385Investments €4,287Cash from €18,093 to €27,897
Key points
from the 2025 annual accountsDebts
€48,385 101% of the balance sheet
Suppliers 1%Taxes and wages 2%Other 97%
Investments
€4,000 3.2 × depreciation
Green is investment, beige is depreciation.
2025 accounts filed 92 days after the deadlineTurnover not published (micro format)
Checked score
53
Fair
Financially stronger than 16% of micro companies in office administrative support (NACE 82)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2025: 0.6%
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.7%▲ +0.1 percentage points vs 05-2025
07-2025: 0.7%● unchanged vs 06-2025
08-2025: 0.7%● unchanged vs 07-2025
09-2025: 0.8%▲ +0.1 percentage points vs 08-2025
10-2025: 0.8%● unchanged vs 09-2025
11-2025: 0.4%▼ -0.4 percentage points vs 10-2025lowest value
12-2025: 0.4%● unchanged vs 11-2025lowest value
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.5%▲ +0.1 percentage points vs 02-2026
04-2026: 0.5%● unchanged vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.7%▲ +0.2 percentage points vs 07-2026
09-2026: 1.0%▲ +0.3 percentage points vs 08-2026
10-2026: 1.7%▲ +0.7 percentage points vs 09-2026highest value
11-2026: 1.1%▼ -0.6 percentage points vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Last filed accounts filed 92 days late; 2 of the last 3 accounts late
Negative equity -€631
lowers risk
Sector: Office administrative, office support and other business support activities (NACE 82)
Liquidity: current ratio 0.87, cash €27,897
Calculation
The band follows from the bankruptcy probability. 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 82, micro). It does better than 13% of them on solvency, 37% on liquidity, 11% on profitability and 4% on growth.
The bankruptcy probability was computed on 07-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as FL CONCEPT has now. Each dot stands for 20 companies, two years later.
84.8%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FL CONCEPT itself is lower: 1.1% within 12 months. It rests on far more data about FL CONCEPT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for FL CONCEPT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.87 (1.08 in 2024), below 1. Short-term debt is 101.3% and cash 58.4% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€631
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 92 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-10-2026, 92 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 2 filingsDeviation from the deadline
2025
92 days late
2024
61 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 77 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% 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.
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- LARDINOIS Florent André Emile Bernard 15 sharesdeed of 31-01-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1005340464
Incorporation
Founding capital of €1,500, 15 shares · Founder: LARDINOIS Florent André Emile Bernard (comparant constituant) · Appointment: LARDINOIS Florent André Emile Bernard (director) · published on 31-01-2024 · Gazette deed
First establishment
Rue du Joncquoy 33, Walhain
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FL CONCEPT Walhain | €47,754 | -€3,523 | -1.3% | - |
| J&J solutions Nivelles | €38,470 | -€5,128 | 0.9% | - |
| MAYA & MI INVEST Anderlecht | €54,634 | -€800 | 80.1% | - |
| B&D Aarschot | €41,561 | -€6,962 | 19.2% | - |
| VITE Sint-Martens-Latem | €48,046 | -€28,070 | -41.2% | - |
| B.DB Management Zoersel | €37,414 | -€1,793 | -27.4% | - |
| WORK TO DO Beveren-Kruibeke-Zwijndrecht | €37,972 | -€6,213 | 70.0% | - |
These companies have the same main activity as FL CONCEPT: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €37,400 and €54,600, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 29-01-2024Normal situation
- Activity
- Office administrative and support servicesNACE 82100and 2 others
- Establishment unit
- 2.355.344.4961457 Walhain, since 29-01-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 12-12-2025
Insights on FL CONCEPT
FL CONCEPT has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€631) and a net result of -€6,422.
Its solvency ranks better than 13% of 9,691 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-10-2026, 92 days late-€3,523
▼ €10,756
-€5,173
▼ €11,582
-€6,422
▼ €10,713
-€6,366
▼ €9,171
-1.3%
▼ 16.0 percentage points
0.87
▼ 0.21
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €47,754 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
-1.3%
Higher than 13% of 9,691 companies in 2025.
0.87
Higher than 23% of 9,309 companies in 2025.
-13.4%
Higher than 10% of 9,433 companies in 2025.
FL CONCEPT
Middle half of the sector
80% of the sector
Micro accounts in office administrative support (NACE 82)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
47,754 | 39,571 | |
20 |
881 | 1,169 | |
21/28 |
4,854 | 1,817 | |
22/27 |
4,854 | 1,817 | |
23 |
3,235 | - | |
24 |
1,619 | 1,817 | |
29/58 |
42,019 | 36,585 | |
40/41 |
10,264 | 13,772 | |
40 |
9,890 | 13,018 | |
41 |
374 | 755 | |
54/58 |
27,897 | 18,093 | |
490/1 |
3,858 | 4,720 | |
| Balance sheet: equity and liabilities | |||
10/49 |
47,754 | 39,571 | |
10/15 |
-631 | 5,791 | |
10/11 |
1,500 | 1,500 | |
14 |
-2,131 | 4,291 | |
17/49 |
48,385 | 33,780 | |
42/48 |
48,385 | 33,780 | |
44 |
273 | 572 | |
440/4 |
273 | 572 | |
45 |
1,193 | 1,814 | |
450/3 |
132 | 1,814 | |
454/9 |
1,061 | - | |
47/48 |
46,919 | 31,395 | |
| Income statement | |||
9900 |
-3,523 | 7,233 | |
630 |
1,251 | 437 | |
640/8 |
400 | 387 | |
9901 |
-5,173 | 6,409 | |
65/66B |
1,116 | 916 | |
65 |
1,116 | 916 | |
9903 |
-6,290 | 5,493 | |
67/77 |
132 | 1,202 | |
9904 |
-6,422 | 4,291 | |
9905 |
-6,422 | 4,291 | |
| Appropriation of the result | |||
9906 |
-2,131 | 4,291 | |
14P |
4,291 | - | |
| Document | |||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-10-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 92 days after the deadline. Filed on 31 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00597662.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| -3,922 | 6,846 | ||
| -5,171 | 4,728 | ||
| 4,000 | 1,987 | ||
| 9,804 | - | ||
| -6,366 | 2,805 | ||
| -1.3% | 14.6% | ||
| 0.87 | 1.08 | ||
| - | 5.83 | ||
| - | 74.1% | ||
| -13.4% | 10.8% | ||
| -3.51 | 7.48 |
The equity ratios are withheld because equity of -€631 is too small for a meaningful ratio.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €4,000 | €1,987 |
| €1,251 | €437 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on FL CONCEPT
The operating result for 2025 is a loss of €5,173, after a profit of €6,409 in 2024.
Equity is negative. Debt (€48,385) exceeds the balance-sheet total (€47,754).
Board & ownership
Board
1 director, since incorporationDirector
since 29-01-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 31-10-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Article 14. Représentation. La société est représentée dans les actes, y compris ceux où interviennent un fonctionnaire public ou un…”deed of 31-01-2024
Mandates through the years
1 name, the dashed line is todayBoard
Mandates as a list
- LARDINOIS Florent André Emile Bernard
- Director, from 26-01-2024 to date
Control
This company
FL CONCEPT
Equity -€631
Loss €6,422 in 2025
Capital
- Contribution
- €1,500
- Shares
- 15
- Contribution per share
- €100
- Equity per share
- -€42.04 in 2025
- Source
- deed of 31-01-2024
Articles of association
deed of 31-01-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Fixe ou proportionnelle, Rémunération administrateurs”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 31-01-2024 ↗
- LARDINOIS Florent André Emile Bernard 15 shares (100%) · €1,500
Network & group
No group
FL CONCEPT has no parent and no holdings in its annual accounts. LARDINOIS Florent André Emile Bernard is the only director. FL CONCEPT shares no director with another company.
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 92 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1005340464
Annual accounts 2024 filed PDFmicro format · 61 days late
2024
IncorporationFounding capital of €1,500, 15 shares · Founder: LARDINOIS Florent André Emile Bernard (comparant constituant) · Appointment: LARDINOIS Florent André Emile Bernard (director) · published on 31-01-20244 points ▸
- Founder, LARDINOIS Florent André Emile Bernard (comparant constituant)
- Founding capital, €1,500, 15 shares
- Registered office clause, Rue du Joncquoy 33, 1457 Walhain
- Director appointment, LARDINOIS Florent André Emile Bernard
- The deed holds 4 more points.
First establishment Rue du Joncquoy 33, Walhain
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
FL CONCEPT was incorporated on 29 January 2024 as a private limited company by one natural person, with a starting capital of €1,500.12 Since 2024, LARDINOIS Florent André Emile Bernard has served as director.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1005.340.464
- VAT number
- BE 1005.340.464
- Peppol ID
- 0208:1005340464
- Other Peppol ID
- 9925:BE1005340464
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-01-2024
- Financial year
- ends on 31 December
- Peppol
- Reachable since 12-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- FL CONCEPT in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 31-01-2024 (in French)
Activities
NACEBEL 202582100
Office administrative and support services main activity
Codes under NACEBEL 2008
82110
Office administrative, office support and other business support activities main activity
81300
Landscape service activities
82990
Other business support services
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Conseils en relations publiques et en communication; Conseils et assistance opérationnelle aux entreprises dans le domaine des relations…”deed of 31-01-2024 (in French)
11 activities
- Conseils en relations publiques et en communication;
- Conseils et assistance opérationnelle aux entreprises dans le domaine des relations publiques et de la communication;
- Conseil pour les affaires et autres conseils de gestion;
- Activité de conseils techniques;
- Organisation de salons professionnels et de congrès;
- Enseignement et coaching;
- Intermédiaires de commerce en produits divers (e.g. import /export en produits divers)
- À la création, à l’élaboration, la mise en valeur et l’aménagement de parcs, jardins et espaces verts,
- Au placement, à l’entretien, à la vente en gros, demi-gros et détail, à la location d’arbres, de plantes, de compositions florales, de tout matériel roulant ou fixe, motorisé ou non, se rapportant à l’exploitation de jardins, de parcs et d’espaces verts en général,
- À la création, la construction et le placement de pièces d’eaux, de piscines, de voies d’accès, de chemins, de bordures, de tonnelles, de vérandas et autres pièces destinées à l’aménagement de tout espace vert,
- À l’exécution de travaux de petites maçonnerie décorative, d’élagage et d’abattage d’arbres et arbustes,
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue du Joncquoy 33 registered office 1457 Walhain | 29-01-2024 | 2.355.344.496 |
Buildings and parcels at the address
- Ground area
- 612 m²
- Buildings
- 143 m²
- Volume, LiDAR
- 922 m³
- Tallest building
- 9.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25109G0177/00C002 | 612 m² | 1 · 143 m² | 9.7 m · 2 |
Contact
E-mail
florent.lardinois@hotmail.com
Phone
+32 478 73 17 00