Turnover
≈ €120,000 estimated
The micro format states no turnover.
FLC CONCEPT
Lifetime
1 annual account with figurespeak €16,437 (2025)
€16,437
peak €11,540 (2025)
€11,540
peak €12,540 (2025)
€12,540
€40,523
Board2 names since 2025
1 directorLOPEZ CHIMBOROZO Luis Fernando
Documentsfilings and deeds
27-08-202627 days late
2025micro format
Incorporation 29-041 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsDebts
€40,523 76% of the balance sheet
Suppliers 20%Taxes and wages 17%Other 63%
Starting capital
€1,000 100 shares
2025 accounts filed 27 days after the deadline
Checked score
63
Healthy
Financially stronger than 44% of micro companies in building services and landscaping (NACE 81)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.9% across 7,709 companies (NACE 81, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2026: 2.0%
06-2026: 2.0%● unchanged vs 05-2026
07-2026: 2.0%● unchanged vs 06-2026
08-2026: 2.4%▲ +0.4 percentage points vs 07-2026highest value
09-2026: 1.3%▼ -1.1 percentage points vs 08-2026lowest value
10-2026: 1.4%▲ +0.1 percentage points vs 09-2026
11-2026: 1.5%▲ +0.1 percentage points vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Founded in 2025
Size: total assets €53,063
Sector: Services to buildings and landscape activities (NACE 81)
lowers risk
Liquidity: current ratio 1.31, cash €11,215
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 81, micro). It does better than 31% of them on solvency, 26% on liquidity and 77% on profitability.
The bankruptcy probability was computed on 09-11-2026 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, 2,390 companies had the same profile as FLC CONCEPT has now. Each dot stands for 6 companies, two years later.
96.6%
were still trading
2.0%
stopped another way
1.2%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FLC CONCEPT itself: 1.5% within 12 months.
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 2,390 companies, not a prediction for FLC 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
Credit of up to €500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.31, below the usual 1.5. Short-term debt is 76.4% and cash 21.1% of total assets. 76.4% of the assets are financed with debt and provisions.
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
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 1 filingDeviation from the deadline
2025
27 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
LC
LOPEZ CHIMBOROZO Luis Fernando
Director, since 25-04-2025
- LOPEZ CHIMBORAZO Luis Fernando 100 sharesdeed of 29-04-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1022718213
Incorporation
Founding capital of €1,000, 100 shares · Founder: LOPEZ CHIMBORAZO Luis Fernando (sole founder) · Appointment: LOPEZ CHIMBORAZO Luis Fernando (director) · published on 29-04-2025 · Gazette deed
First establishment
Kluitingstraat 77, Vilvoorde
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FLC CONCEPT Vilvoorde | €53,063 | €16,437 | 23.6% | - |
| Toon Condereys Sint-Pieters-Leeuw | €53,641 | €13,733 | 22.5% | - |
| SBG Concept Walcourt | €50,311 | €17,999 | 9.9% | - |
| BECKERS ROBIN Blegny | €58,023 | €19,486 | 19.0% | - |
| SRL VBC Olne | €56,061 | €15,467 | 26.2% | - |
| GOUD & GROEN Heusden-Zolder | €59,423 | €13,415 | 22.4% | - |
| Vranckx Tuinaanleg Bierbeek | €41,991 | €16,385 | 20.4% | - |
These companies have the same main activity as FLC CONCEPT: landscape service activities (NACE 81300). They are comparable in size and age: total assets between €42,000 and €59,400, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 25-04-2025Normal situation
- Activity
- Landscape service activitiesNACE 81300and 5 others
- Establishment unit
- 2.374.485.3681800 Vilvoorde, since 25-04-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 19-01-2026
Insights on FLC CONCEPT
FLC CONCEPT has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12,540 and a net result of €11,540.
Its solvency ranks better than 31% of 5,728 sector peers (NACE 81, financial year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FLC CONCEPT
- What is the company number of FLC CONCEPT?
- The company number of FLC CONCEPT is 1022.718.213. The VAT number is the same number with BE in front: BE 1022.718.213.
- Where is FLC CONCEPT based?
- The registered office is at Kluitingstraat 77, 1800 Vilvoorde.Company details
- What does FLC CONCEPT do?
- According to the KBO register, the main activity is landscape service activities (NACE 81300).
- What is the legal form of FLC CONCEPT?
- FLC CONCEPT is a private limited company (BV).
- When was FLC CONCEPT founded?
- FLC CONCEPT was founded on 25-04-2025.
- Is FLC CONCEPT still active?
- Yes, FLC CONCEPT is an active enterprise in the KBO register.
- What is the turnover of FLC CONCEPT?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €16,437 and 36 comparable companies (NACE 81300). It probably lies between €80,000 and €240,000. It is a rough estimate.Financials
- Is FLC CONCEPT profitable?
- In financial year 2025, FLC CONCEPT made a profit of €11,540.
- Where can I find the annual accounts of FLC CONCEPT?
- FLC CONCEPT filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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