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FM CONCEPT

Bankruptcy
Private limited companyfounded 2020Rue Jules Jaumet 105, 6030 Charleroi, BelgiumKBO/BCE: BE 0748.703.606
Summary

The KBO register records for FM CONCEPT the legal situation: open bankruptcy; this is today's state according to the register itself, which carries no start date. The 2022 annual accounts show equity of €66,708 and a net result of €17,765.

Are you a creditor?

Open bankruptcy Source: KBO register

The KBO register records a bankruptcy for this company. If it owes you money, you are not paid automatically: you file your claim yourself.

The procedure

The publication of the judgment is not in our data. Court, date and curator are in RegSol: search by the enterprise number.

What to do now

  1. Do not deliver on credit any more without an agreement with the curator.
  2. Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
  3. File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
  4. Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
  5. Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
  6. Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.

Deadlines: the judgment sets the last day to file your claim, by law at most thirty days after the judgment, and the day of the first verification report. Both dates are in the publication in the Official Gazette and in RegSol; Checked does not read them yet. A late claim is sometimes still possible, but not without consequences.

File a claim in RegSol ↗ Watch Follow this bankruptcy: you are alerted when it is closed or reversed.

General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company

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Signals

1 signal.
+raises risk
raises risk · Register: open bankruptcy
The KBO register records the legal situation: open bankruptcy. This is today's state according to the register itself; the register carries no start date.
KBO · legal situation
Checked, nothing found (1)
neutral · 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

History

FM CONCEPT was incorporated on 18 June 2020 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2022.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022

Go further with this company

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2022, micro schema

Equity
€66,708▲ 36.3%
2021 · €48,943
Total assets
€212,605▲ 74.6%
2021 · €121,783
Net result
€17,765▼ 62.2%
2021 · €46,943
Working capital
€85,183▲ 274%
2021 · €22,776
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022
Operating result€47,629-€20,824▼ 56.3%
Net result€46,943above the sector's middle half-€17,765within the sector's middle half▼ 62.2%
Equity€48,943within the sector's middle half-€66,708within the sector's middle half▲ 36.3%
Total assets€121,783within the sector's middle half-€212,605within the sector's middle half▲ 74.6%
Debt€72,840-€145,897▲ 100%
Working capital€22,776-€85,183▲ 274%
Solvency40.2%within the sector's middle half-31.4%within the sector's middle half▼ 8.8pp
above within below the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€20,000€40,000Operating result 2021: €47,629€47,629Net result 2021: €46,943€46,943Operating result 2022: €20,824€20,824Net result 2022: €17,765€17,76520212022€0€20,000€40,000Operating result 2021: €47,629€47,600Net result 2021: €46,943€46,900Operating result 2022: €20,824€20,800Net result 2022: €17,765€17,80020212022
The operating result falls in 2022; 2022 is 56% below 2021.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €212,605
Fixed assets €27,843 ▲ 6.4%
Current assets €184,762 ▲ 93.2%
Equity and liabilities €212,605
Equity €66,708 ▲ 36.3%
Debt €145,897 ▲ 100%
Debt's share of the balance-sheet total rises from 59.8% to 68.6%. Equity and debt are higher.
Key figures and ratios
2022 value · change against 2021
EBITDA
€30,154▼
2021 · €56,758
Cash flow
€27,095▼
2021 · €56,071
Current ratio
1.86▲
2021 · 1.31
Debt to equity
2.19▲
2021 · 1.49
ROE
26.6%▼
2021 · 95.9%
ROA
8.4%▼
2021 · 38.5%
Interest coverage
9.86▼
2021 · 82.69
Debt ≤ 1 year
€99,579▲
2021 · €72,840
Debt > 1 year
€46,318
Staff costs
€26,004▲
2021 · €5,676
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2022 against 2021 · 38 lines
Balance sheet Code20212022
Assets
Total assets20/58€121,783€212,605▲
Fixed assets21/28€26,167€27,843▲
Tangible fixed assets22/27€26,167€27,843▲
Furniture and vehicles24€26,167€27,843▲
Current assets29/58€95,616€184,762▲
Amounts receivable within one year40/41€38,449€68,296▲
Trade receivables40€21,121€22,450▲
Other amounts receivable41€17,328€45,846▲
Cash at bank and in hand54/58€57,166€116,466▲
Equity and liabilities
Total equity and liabilities10/49€121,783€212,605▲
Equity10/15€48,943€66,708▲
Contributions10/11€2,000€2,000=
Capital10€2,000€2,000=
Issued capital100€2,000€2,000=
Profit (loss) carried forward14€46,943€64,708▲
Amounts payable17/49€72,840€145,897▲
Amounts payable after more than one year17-€46,318
Financial debts170/4-€46,318
Amounts payable within one year42/48€72,840€99,579▲
Financial debts43-€1,869
Credit institutions430/8-€1,869
Trade debts44€67,348€81,665▲
Suppliers440/4€67,348€81,665▲
Taxes, remuneration and social security45€5,492€16,045▲
Taxes450/3€408€2,078▲
Remuneration and social security454/9€5,084€13,967▲
Income statement Code20212022
Remuneration, social security and pensions62€5,676€26,004▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,129€9,330▲
Other operating charges640/8€1,645€4,651▲
Gross operating margin9900€64,079€60,810▼
Operating profit (loss)9901€47,629€20,824▼
Financial charges65/66B€686€3,059▲
Recurring financial charges65€686€3,059▲
Profit (loss) for the period before taxes9903€46,943€17,765▼
Profit (loss) for the period9904€46,943€17,765▼
Profit (loss) for the period to be appropriated9905€46,943€17,765▼
Appropriation of the result
Profit (loss) to be appropriated9906€46,943€64,708▲
Profit (loss) brought forward from the previous period14P-€46,943

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022Change
Remuneration, social security and pensions62€5,676€26,004▲ 358%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,129€9,330▲ 2.2%
Other operating charges640/8€1,645€4,651▲ 183%
Gross operating margin9900€64,079€60,810▼ 5.1%
Operating profit (loss)9901€47,629€20,824▼ 56.3%
Financial charges65/66B€686€3,059▲ 346%
Recurring financial charges65€686€3,059▲ 346%
Profit (loss) for the period before taxes9903€46,943€17,765▼ 62.2%
Profit (loss) for the period9904€46,943€17,765▼ 62.2%
Profit (loss) for the period to be appropriated9905€46,943€17,765▼ 62.2%
Line20212022Change
Assets
Total assets20/58€121,783€212,605▲ 74.6%
Fixed assets21/28€26,167€27,843▲ 6.4%
Tangible fixed assets22/27€26,167€27,843▲ 6.4%
Furniture and vehicles24€26,167€27,843▲ 6.4%
Current assets29/58€95,616€184,762▲ 93.2%
Amounts receivable within one year40/41€38,449€68,296▲ 77.6%
Trade receivables40€21,121€22,450▲ 6.3%
Other amounts receivable41€17,328€45,846▲ 165%
Cash at bank and in hand54/58€57,166€116,466▲ 104%
Equity and liabilities
Total equity and liabilities10/49€121,783€212,605▲ 74.6%
Equity10/15€48,943€66,708▲ 36.3%
Contributions10/11€2,000€2,000=
Capital10€2,000€2,000=
Issued capital100€2,000€2,000=
Profit (loss) carried forward14€46,943€64,708▲ 37.8%
Amounts payable17/49€72,840€145,897▲ 100%
Amounts payable after more than one year17-€46,318-
Financial debts170/4-€46,318-
Amounts payable within one year42/48€72,840€99,579▲ 36.7%
Financial debts43-€1,869-
Credit institutions430/8-€1,869-
Trade debts44€67,348€81,665▲ 21.3%
Suppliers440/4€67,348€81,665▲ 21.3%
Taxes, remuneration and social security45€5,492€16,045▲ 192%
Taxes450/3€408€2,078▲ 410%
Remuneration and social security454/9€5,084€13,967▲ 175%
Line20212022Change
Profit (loss) for the period9904€46,943€17,765▼ 62.2%
+ Depreciation and write-downs630€9,129€9,330▲ 2.2%
Operating cash flow (approximation)€56,071€27,095▼ 51.7%
Investment in fixed assets (approximation)--€11,006-
Change in cash-€59,299-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2024
22-01
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 175 days late
2022
26-10
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 87 days late
NBB filing
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Charleroi · 1 establishment unit since 2020
seat establishment The establishment unit on the map
Ground area
565 m²
Building footprint
54 m²
Volume, LiDAR
505 m³
Parcel 52382A0130/00W011, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
FM CONCEPT
Rue Jules Jaumet 105, 6030 CharleroiSite preparation
since 20202.326.452.552
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52382A0130/00W011 Wallonia 565 m² 1 · 54 m² 11.3 m · 3 fl.
Linked by address, not proof of ownership
Good to know
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

Of 29,787 companies in sector 41001 we hold annual accounts for 16,042. 13,220 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded18-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.