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FOCOM

Active
Public limited companyfounded 198739 yrs activeParklaan 1, 1730 Asse, BelgiumKBO/BCE: BE 0431.376.618
Summary

FOCOM has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203k and a net result of €394. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 15% of 3200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability36▼-35
Solvency35▼-27
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 2.87 in 2024; short-term debt: 80.3% and cash: 40.2% of total assets), and 90.2% of the assets are financed with debt.
Credit check 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 39 years 0 40 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
9.8%
Return on assets
0%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 3200 sector peers (2025).
NBB · sector comparison
Position among 3200 sector peers
Solvency
better than 15%
← weakest strongest →
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
18 d early
2024
17 d early
2023
16 d early
2022
18 d early
2021
53 d early
2020
23 d early
2019
4 d early
← before the deadline after the deadline →
Checked, nothing found (2)
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 months
Position in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
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

Financials · fiscal year 2025, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€394▼ 96.6%
2024 · €12k
2018: €-2klowest in 8 years 2019: €4k▲ +293% vs 2018 2020: €-1k▼ -138% vs 2019 2021: €8k▲ +626% vs 2020 2022: €45k▲ +473% vs 2021highest in 8 years 2023: €13k▼ -71.8% vs 2022 2024: €12k▼ -9.4% vs 2023 2025: €394▼ -96.6% vs 2024
2018 → 2025
Working capital
€262k▲ 5.5%
2024 · €248k
2018: €-17klowest in 8 years 2019: €-7k▲ +55.0% vs 2018 2020: €4k▲ +153% vs 2019 2021: €28k▲ +598% vs 2020 2022: €15k▼ -46.0% vs 2021 2023: €24k▲ +57.4% vs 2022 2024: €248k▲ +956% vs 2023 2025: €262k▲ +5.5% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€133k-€179k▲ 33.8%€191k▲ 7.1%€203k▲ 6.0%€203k▲ 0.2% 2021: €133klowest in 5 years 2022: €179k▲ +33.8% vs 2021 2023: €191k▲ +7.1% vs 2022 2024: €203k▲ +6.0% vs 2023 2025: €203k▲ +0.2% vs 2024highest in 5 years
Operating result€13k-€52k▲ 299%€15k▼ 71.6%€17k▲ 17.6%€26k▲ 48.7% 2021: €13klowest in 5 years 2022: €52k▲ +299% vs 2021highest in 5 years 2023: €15k▼ -71.6% vs 2022 2024: €17k▲ +17.6% vs 2023 2025: €26k▲ +48.7% vs 2024
Net result€8k-€45k▲ 473%€13k▼ 71.8%€12k▼ 9.4%€394▼ 96.6% 2021: €8k 2022: €45k▲ +473% vs 2021highest in 5 years 2023: €13k▼ -71.8% vs 2022 2024: €12k▼ -9.4% vs 2023 2025: €394▼ -96.6% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
€0€20k€40k€60kOperating result 2021: €13k€13kNet result 2021: €8k€8kOperating result 2022: €52k€52kNet result 2022: €45k€45kOperating result 2023: €15k€15kNet result 2023: €13k€13kOperating result 2024: €17k€17kNet result 2024: €12k€12kOperating result 2025: €26k€26kNet result 2025: €394€39420212022202320242025€0€10k€20k€30kOperating result 2023: €15k€15kNet result 2023: €13k€13kOperating result 2024: €17k€17kNet result 2024: €12k€12kOperating result 2025: €26k€26kNet result 2025: €394€394202320242025
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 49% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.08M
Fixed assets €147k ▼ 15.2%
Current assets €1.94M ▲ 408%
Equity and liabilities €2.08M
Equity €203k ▲ 0.2%
Debt €1.88M ▲ 434%
Debt's share of the balance-sheet total rises from 63.5% to 90.2%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€52k▲
2024 · €44k
Cash flow
€27k▼
2024 · €38k
Current ratio
1.16▼
2024 · 2.87
Quick ratio
0.54▼
2024 · 2.87
Debt to equity
9.25▲
2024 · 1.74
ROE
0.2%▼
2024 · 5.7%
ROA
0.0%▼
2024 · 2.1%
Interest coverage
2.11▼
2024 · 19.94
Debt ≤ 1 year
€1.67M▲
2024 · €133k
Debt > 1 year
€206k▼
2024 · €219k
Income taxes
€595▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet Code20242025
Assets
Total assets20/58€555k€2.08M▲
Fixed assets21/28€174k€147k▼
Tangible fixed assets22/27€174k€147k▼
Land and buildings22€115k€112k▼
Plant, machinery and equipment23€1k€616▼
Furniture and vehicles24€58k€35k▼
Current assets29/58€381k€1.94M▲
Stocks and contracts in progress3-€1.04M
Stocks30/36-€1.04M
Amounts receivable within one year40/41€52k€60k▲
Trade receivables40€987€11k▲
Other amounts receivable41€51k€50k▼
Cash at bank and in hand54/58€310k€837k▲
Deferred charges and accrued income490/1€19k€1k▼
Equity and liabilities
Total equity and liabilities10/49€555k€2.08M▲
Equity10/15€203k€203k▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€103k€103k▲
Non-distributable reserves130/1€19k€19k=
Legal reserve130€19k€19k=
Distributable reserves133€84k€84k▲
Amounts payable17/49€352k€1.88M▲
Amounts payable after more than one year17€219k€206k▼
Financial debts170/4€219k€206k▼
Amounts payable within one year42/48€133k€1.67M▲
Current portion of amounts payable after more than one year42€13k€13k=
Trade debts44€7k€224k▲
Suppliers440/4€7k€224k▲
Advances received on contracts in progress46-€1.19M
Taxes, remuneration and social security45€10k€159k▲
Taxes450/3€10k€159k▲
Remuneration and social security454/9€69€0▼
Other amounts payable47/48€103k€92k▼
Accrued charges and deferred income492/3€0-
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€26k▼
Other operating charges640/8€18k€18k▲
Gross operating margin9900€62k€70k▲
Operating profit (loss)9901€17k€26k▲
Financial charges65/66B€2k€25k▲
Recurring financial charges65€2k€25k▲
Profit (loss) for the period before taxes9903€15k€989▼
Income taxes67/77€4k€595▼
Profit (loss) for the period9904€12k€394▼
Profit (loss) for the period to be appropriated9905€12k€394▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€394▼
Transfer to equity691/2€12k€394▼
To other reserves6921€12k€394▼
Social balance
Average headcount (FTE)90870.00.0=

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Accounts by statement
Line20212022202320242025Change
Non-recurring operating income76A-€54k€0---
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€13k€26k€26k€26k▼ 0.5%
Other operating charges640/8€16k€20k€19k€18k€18k▲ 0.8%
Gross operating margin9900€46k€84k€60k€62k€70k▲ 13.6%
Operating profit (loss)9901€13k€52k€15k€17k€26k▲ 48.7%
Financial charges65/66B€61€476€700€2k€25k▲ 1,025%
Recurring financial charges65€61€476€700€2k€25k▲ 1,025%
Profit (loss) for the period before taxes9903€13k€51k€14k€15k€989▼ 93.4%
Income taxes67/77€5k€6k€1k€4k€595▼ 83.2%
Profit (loss) for the period9904€8k€45k€13k€12k€394▼ 96.6%
Transfer from tax-exempt reserves789€21k-----
Profit (loss) for the period to be appropriated9905€29k€45k€13k€12k€394▼ 96.6%
Line20212022202320242025Change
Assets
Total assets20/58€144k€270k€246k€555k€2.08M▲ 275%
Fixed assets21/28€106k€209k€200k€174k€147k▼ 15.2%
Tangible fixed assets22/27€106k€209k€200k€174k€147k▼ 15.2%
Land and buildings22€103k€102k€117k€115k€112k▼ 2.2%
Plant, machinery and equipment23-€2k€1k€1k€616▼ 38.6%
Furniture and vehicles24€3k€105k€82k€58k€35k▼ 40.2%
Current assets29/58€39k€61k€45k€381k€1.94M▲ 408%
Stocks and contracts in progress3----€1.04M-
Stocks30/36----€1.04M-
Amounts receivable within one year40/41€1k€1k€40k€52k€60k▲ 16.5%
Trade receivables40€673€1k€9k€987€11k▲ 1,011%
Other amounts receivable41€342€253€31k€51k€50k▼ 2.8%
Cash at bank and in hand54/58€5k€11k€4k€310k€837k▲ 170%
Deferred charges and accrued income490/1€32k€49k€1k€19k€1k▼ 94.1%
Equity and liabilities
Total equity and liabilities10/49€144k€270k€246k€555k€2.08M▲ 275%
Equity10/15€133k€179k€191k€203k€203k▲ 0.2%
Contributions10/11€100k€100k€100k€100k€100k=
Capital10€100k€100k€100k€100k€100k=
Issued capital100€100k€100k€100k€100k€100k=
Reserves13€33k€79k€91k€103k€103k▲ 0.4%
Non-distributable reserves130/1€19k€19k€19k€19k€19k=
Legal reserve130€19k€19k€19k€19k€19k=
Distributable reserves133€15k€60k€72k€84k€84k▲ 0.5%
Amounts payable17/49€11k€92k€54k€352k€1.88M▲ 434%
Amounts payable after more than one year17-€45k€32k€219k€206k▼ 5.9%
Financial debts170/4-€45k€32k€219k€206k▼ 5.9%
Amounts payable within one year42/48€11k€46k€22k€133k€1.67M▲ 1,161%
Current portion of amounts payable after more than one year42-€13k€13k€13k€13k=
Trade debts44€810€9k€50€7k€224k▲ 3,328%
Suppliers440/4€810€9k€50€7k€224k▲ 3,328%
Advances received on contracts in progress46----€1.19M-
Taxes, remuneration and social security45€10k€9k€8k€10k€159k▲ 1,475%
Taxes450/3€10k€9k€8k€10k€159k▲ 1,486%
Remuneration and social security454/9€56-€6€69€0▼ 100%
Other amounts payable47/48-€16k€931€103k€92k▼ 10.6%
Accrued charges and deferred income492/3--€39€0--
Line20212022202320242025Change
Profit (loss) for the period9904€8k€45k€13k€12k€394▼ 96.6%
+ Depreciation and write-downs630€17k€13k€26k€26k€26k▼ 0.5%
Operating cash flow (approximation)€25k€58k€39k€38k€27k▼ 29.6%
Investment in fixed assets (approximation)-€-117k€-17k€0€0-
Change in cash-€6k€-7k€306k€527k▲ 72.4%

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

Next filing, fiscal year 2026, expected by 31-07-2027
2026
13-07
NBB filing Annual accounts filed
fiscal year 2025 · full schema
2025
14-07
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial Equity above €200kEq €203k ▲6%
4 profitable years in a row build equity to €203k.
15-07
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-07
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial Highest result since 2018net €45k ▲473%
Operating result €52k, net result €45k, both a record.
31-12
Financial Equity above €150kEq €179k ▲33.8%
2 profitable years in a row build equity to €179k.
08-06
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial Back to profitnet €8k
Net result €8k after one loss-making year.
31-12
Financial Liquidity triplescurrent ratio 3.53
Current ratio from 1.24 to 3.53; short-term debt falls from €17k to €11k.
08-07
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-07
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
31-12
Financial Back to profitnet €4k
Net result €4k after one loss-making year.
11-07
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-07
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
6 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, Asse · 1 establishment unit since 1987
seat establishment The establishment unit on the map
Ground area
2,104 m²
Building footprint
492 m²
Volume, LiDAR
2,158 m³
Parcel 23322E0039/00H002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FOCOM NV
Parklaan 1, 1730 AsseInsurance, reinsurance and pension funding, except compulsory social security
since 19872.029.480.619
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
23322E0039/00H002 Flanders 2,104 m² 1 · 492 m² 8.1 m · 2 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 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,029 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded16-06-1987
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy

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