FLCB plus
ActiveFLCB plus has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €955. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 25% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability14▲+4
Solvency22▲+2
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.9 against 0.89 in 2024), and 81% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19%
Return on assets
0.5%
Age of the figures
8 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-07-2026, 20 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
20 d early
2024
29 d early
2023
21 d early
2022
3 d early
2021
1 d early
2020
124 d early
2019
30 d early
← 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
€35k▲ 2.8%
2024 · €34k
2019: €27k
2020: €33k
2021: €38k
2022: €38k
2023: €41k
2024: €34k
2019 → 2025
Total assets
€184k▼ 8.6%
2024 · €201k
2019: €226k
2020: €224k
2021: €224k
2022: €216k
2023: €210k
2024: €201k
2019 → 2025
Net result
€955▲ 43.2%
2024 · €667
2019: €7k
2020: €7k
2021: €5k
2022: €2k
2023: €2k
2024: €667
2019 → 2025
Working capital
€-2k▲ 33.3%
2024 · €-3k
2019: €-6k
2020: €463
2021: €3k
2022: €4k
2023: €3k
2024: €-3k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€38k▲ 1.3%€41k▲ 6.5%€34k▼ 16.7%€35k▲ 2.8%
Operating result€10k-€7k▼ 28.3%€6k▼ 25.6%€4k▼ 24.3%€4k▲ 5.5%
Net result€5k-€2k▼ 54.9%€2k▲ 9.2%€667▼ 73.0%€955▲ 43.2%
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 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €182k
Fixed assets
€163k▼ 5.6%
Current assets
€20k▼ 27.7%
Equity and liabilities €184k
Equity
€35k▲ 2.8%
Debt
€149k▼ 10.9%
The debt ratio falls from 83.1% to 81.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€14k▲
2024 · €14k
Cash flow
€11k▲
2024 · €11k
Solvency
19.0%▲
2024 · 16.9%
Current ratio
0.90▲
2024 · 0.89
Quick ratio
0.90▲
2024 · 0.89
Debt / equity
4.26▼
2024 · 4.91
ROE
2.7%▲
2024 · 2.0%
ROA
0.5%▲
2024 · 0.3%
Interest coverage
4.59▲
2024 · 4.28
Debt
€149k▼
2024 · €167k
Debt ≤ 1 year
€22k▼
2024 · €30k
Debt > 1 year
€127k▼
2024 · €137k
Income taxes
€387▲
2024 · €250
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€201k€184k▼
Formation expenses20€1k€1k▼
Fixed assets21/28€173k€163k▼
Tangible fixed assets22/27€173k€163k▼
Land and buildings22€173k€163k▼
Current assets29/58€27k€20k▼
Amounts receivable within one year40/41€6k€2k▼
Trade receivables40€4k-
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€21k€18k▼
Deferred charges and accrued income490/1€45€46▲
Equity and liabilities
Total equity and liabilities10/49€201k€184k▼
Equity10/15€34k€35k▲
Contributions10/11€20k€20k=
Reserves13€14k€15k▲
Distributable reserves133€14k€15k▲
Amounts payable17/49€167k€149k▼
Amounts payable after more than one year17€137k€127k▼
Financial debts170/4€137k€127k▼
Amounts payable within one year42/48€30k€22k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€744€390▼
Suppliers440/4€744€390▼
Taxes, remuneration and social security45€2k-
Remuneration and social security454/9€2k-
Other amounts payable47/48€19k€12k▼
Accrued charges and deferred income492/3€250-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Other operating charges640/8€1k€2k▲
Gross operating margin9900€16k€16k▲
Operating profit (loss)9901€4k€4k▲
Financial income75/76B-€22
Recurring financial income75-€22
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€917€1k▲
Income taxes67/77€250€387▲
Profit (loss) for the period9904€667€955▲
Profit (loss) for the period to be appropriated9905€667€955▲
Appropriation of the result
Profit (loss) to be appropriated9906€667€955▲
Transfer from equity791/2€7k-
Transfer to equity691/2€667€955▲
To other reserves6921€667€955▲
Profit to be distributed694/7€7k-
Return on contributions (dividend)694€7k-
The notes to these accounts (5 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
11-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €667 ▼73%
Net result drops to €667, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
VERBRAECKEN Björn
CurrentDirector · since 13-12-2023
13-12-2023
Resigned as Director
13-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Laakdal · 1 establishment unit since 2018
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.
De Heuvels 422430 LaakdalGround area
822 m²
Building footprint
153 m²
Volume, LiDAR
1,010 m³
Parcel 13045C0044/00B000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FLCB plus
since 20182.272.565.983
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13045C0044/00B000 | Flanders | 822 m² | 1 · 153 m² | 9.9 m · 2 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.
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Of 24,423 companies in sector 82990 we hold annual accounts for 9,361. 6,508 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-2018
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.