Skip to content

FOTOKONCEPT

Active
Private limited companyfounded 198937 yrs activeJan Baptist Van der Lindenstraat 67, 1750 Lennik, BelgiumKBO/BCE: BE 0437.511.273
Summary

FOTOKONCEPT has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €675,687 and a net result of €18,054. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 60% of 1920 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
FOTOKONCEPTActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Advertising agencies
NACE 73110NACE 74401
#5 oldest company in Lennik, Professional and technical services sector1 site
Size
€1.2mtotal assets 2025
Staff
2.5 FTE
Equity
€675,687
Profit
€18,054
Turnover not published (abridged schema)
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 28 d early0 of 4 deeds read
Why 94+ Liquidity: current ratio 3.82, cash €249,366+ Founded in 1989+ Size: 2.5 FTE, total assets €1.2m+ Equity €675,687 (55.4% of total assets)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 52% of its sector peers (NACE 73, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 80+7
equity 55.4% of total assets
Liquidity 76+15
short-term debt 9.2% · cash 20.5%
Profitability 71=
return on assets 1.5%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (11,123 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%▲ +2.4% vs 01-2025 03-2025: 0.1%▼ -2.3% vs 02-2025 04-2025: 0.1%▲ +6.0% vs 03-2025 05-2025: 0.1%▼ -1.1% vs 04-2025 06-2025: 0.1%▲ +20.5% vs 05-2025 07-2025: 0.1%▲ +36.8% vs 06-2025highest value 08-2025: < 0.1%▼ -66.9% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%● 0.0% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: 0.1%▲ +8.3% vs 05-2026 07-2026: 0.1%▲ +9.6% vs 06-2026 08-2026: < 0.1%▼ -43.9% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 3.82, cash €249,366 lowers the probability
  • Founded in 1989 lowers the probability for this profile
  • Size: 2.5 FTE, total assets €1.2m lowers the probability for this profile
  • Equity €675,687 (55.4% of total assets) lowers the probability
Credit up to €60,000 at 30 days acceptable
Liquidity ample (current ratio 3.82 against 2.13 in 2024; short-term debt: 9.2% and cash: 20.5% of total assets), and 44.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 73, micro). Better than this share of them on solvency 54%, liquidity 67%, profitability 40%, growth against the median 48%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 3.82, cash €249,366
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1989
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Size: 2.5 FTE, total assets €1.2m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Equity €675,687 (55.4% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
28 d early
2024
7 d early
2023
29 d late
2022
80 d early
2021
48 d early
2020
14 d early
2019
38 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 27 days before the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.

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. Usually files around 3 July (4 of the last 5 filed years within 52 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Back to profitnet €26,860

Key points

  • Positive: Oldest company in Lennik, Professional and technical services…in the Checked rankings #5 View
  • Active since 1989founded 24-05-1989 37 years View
  • Total assets 20256 fiscal years filed €1.2m View

By topic

Financials

Fiscal year
2025
Total assets
€1.2m
Profit
€18,054
Solvency
55.4%
Total assets▼ 11.7%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 03-07-2026Annual accounts filed
  2. 24-07-2025Annual accounts filed
  3. 31-12-2024Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Advertising agenciesNACE 73110
Founded
24-05-1989
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark

Your own company? See how customers, suppliers and banks see it and what to improve first.

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

We would like to set cookies. That happens only with your consent. What we measure