FMA CONCEPT
ActiveSummary
FMA CONCEPT has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €11k. Its solvency ranks better than 38% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes
Profitability100
Solvency67
Growth-
Track record67
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.79; short-term debt: 58.5% and cash: 13.5% of total assets), and 58.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
41.5%
Return on assets
31.6%
Age of the figures
9 mo
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 23-07-2026, 8 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
8 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€14k
Total assets
€34k
Net result
€11k
Working capital
€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €34k
Fixed assets
€18k
Current assets
€16k
Equity and liabilities €34k
Equity
€14k
Debt
€20k
Debt finances 58.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€17k
Cash flow
€12k
Current ratio
0.79
Debt to equity
1.41
ROE
76.2%
ROA
31.6%
Interest coverage
72.61
Debt ≤ 1 year
€20k
Income taxes
€4k
Staff costs
€44k
Filed annual accounts As filed with the NBB · 2025 · 38 lines
Balance sheet
Code2025
Assets
Total assets20/58€34k
Fixed assets21/28€18k
Tangible fixed assets22/27€18k
Furniture and vehicles24€18k
Current assets29/58€16k
Amounts receivable within one year40/41€11k
Trade receivables40€10k
Other amounts receivable41€477
Cash at bank and in hand54/58€5k
Deferred charges and accrued income490/1€186
Equity and liabilities
Total equity and liabilities10/49€34k
Equity10/15€14k
Contributions10/11€5k
Profit (loss) carried forward14€9k
Amounts payable17/49€20k
Amounts payable within one year42/48€20k
Trade debts44€4k
Suppliers440/4€4k
Taxes, remuneration and social security45€13k
Taxes450/3€6k
Remuneration and social security454/9€7k
Other amounts payable47/48€3k
Income statement
Code2025
Remuneration, social security and pensions62€44k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Other operating charges640/8€417
Gross operating margin9900€61k
Operating profit (loss)9901€15k
Financial income75/76B€1
Recurring financial income75€1
Financial charges65/66B€229
Recurring financial charges65€229
Profit (loss) for the period before taxes9903€15k
Income taxes67/77€4k
Profit (loss) for the period9904€11k
Profit (loss) for the period to be appropriated9905€11k
Appropriation of the result
Profit (loss) to be appropriated9906€11k
Profit to be distributed694/7€2k
Return on contributions (dividend)694€2k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €44k |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k |
| Other operating charges640/8 | €417 |
| Gross operating margin9900 | €61k |
| Operating profit (loss)9901 | €15k |
| Financial income75/76B | €1 |
| Recurring financial income75 | €1 |
| Financial charges65/66B | €229 |
| Recurring financial charges65 | €229 |
| Profit (loss) for the period before taxes9903 | €15k |
| Income taxes67/77 | €4k |
| Profit (loss) for the period9904 | €11k |
| Profit (loss) for the period to be appropriated9905 | €11k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €34k | |
| Fixed assets21/28 | €18k | |
| Tangible fixed assets22/27 | €18k | |
| Furniture and vehicles24 | €18k | |
| Current assets29/58 | €16k | |
| Amounts receivable within one year40/41 | €11k | |
| Trade receivables40 | €10k | |
| Other amounts receivable41 | €477 | |
| Cash at bank and in hand54/58 | €5k | |
| Deferred charges and accrued income490/1 | €186 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €34k | |
| Equity10/15 | €14k | |
| Contributions10/11 | €5k | |
| Profit (loss) carried forward14 | €9k | |
| Amounts payable17/49 | €20k | |
| Amounts payable within one year42/48 | €20k | |
| Trade debts44 | €4k | |
| Suppliers440/4 | €4k | |
| Taxes, remuneration and social security45 | €13k | |
| Taxes450/3 | €6k | |
| Remuneration and social security454/9 | €7k | |
| Other amounts payable47/48 | €3k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €11k |
| + Depreciation and write-downs630 | €2k |
| Operating cash flow (approximation) | €12k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Liège · 1 establishment unit since 2024
Ground area
6,004 m²
Parcel 62814C0006/00G002, Wallonia. Linked by address, not a title deed.
102
companies at this address
See who is registered here
1 establishment unit
FMA CONCEPT
since 20242.365.938.183
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62814C0006/00G002 | Wallonia | 6,004 m² | - | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLiège2.365.938.183
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 26,696 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
Founded23-10-2024
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46370Wholesale trade
47279Other retail sale of food
73300Public relations and communication consultancy
Scores and ratios are computed by Checked and are not a credit decision.