Investments
€37,350 2.1 × depreciation
Green is investment, beige is depreciation.
FVC CONSULT
Lifetime
11 annual accounts with figures on one time axispeak €66,578 (2015)
€24,132▲ 58.7%
lowest -€7,690 (2023)
€3,679▼ 7.5%
peak €72,967 (2019)
€47,734▲ 8.4%
€59,957▲ 9.4%
Board2 names since 2021
2 directorsFilip Van Cleemput and 1 other
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €15,208 to €24,132Investments €52,350Cash from €36,937 to €23,465
Key points
from the 2025 annual accountsChecked score
92
Excellent
Financially stronger than 37% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025highest value
08-2025: < 0.1%▼ -0.2 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €107,691
Liquidity: current ratio 0.95, cash €23,465
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 39% of them on solvency, 24% on liquidity, 31% on profitability and 54% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 10,904 companies had the same profile as FVC CONSULT has now. Each dot stands for 28 companies, two years later.
95.2%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of FVC CONSULT itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 10,904 companies, not a prediction for FVC CONSULT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.95 (1.51 in 2024), below 1. Short-term debt is 55.7% and cash 21.8% of total assets. 55.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €47,734
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
on the day
2023
30 days late
2022
31 days late
2021
26 days late
2020
31 days late
2019
90 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 34 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
2 directors resigning, 2 reappointments
Resignations: LONNOY Elise and VAN CLEEMPUT Filip · Reappointments: LONNOY Elise (director) and VAN CLEEMPUT Filip (statutory director) · Director discharge: LONNOY Elise · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0547871935
Incorporation
published on 14-03-2014 · Gazette deed
First establishment
Virginie Lovelingstraat 13, Sint-Niklaas
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FVC CONSULT Sint-Niklaas | €107,691 | €24,132 | 44.3% | - |
| TEKNOZA Antwerp | €106,051 | €24,171 | 38.8% | - |
| IL Services Geetbets | €111,602 | €22,936 | 80.5% | - |
| NEMEROSA Hoeilaart | €92,030 | €23,884 | 43.7% | - |
| Wehi Sint-Truiden | €114,000 | €23,792 | 91.0% | - |
| Fitzsimons Consulting Tervuren | €93,751 | €23,266 | 58.5% | - |
| DEPANCOM SPRLU Andenne | €125,703 | €25,233 | 69.3% | - |
These companies have the same main activity as FVC CONSULT: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €92,000 and €126,000, founded between 2013 and 2015.
Official details
Source: KBO- Status
- Active since 12-03-2014Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 1 other
- Establishment unit
- 2.227.704.9689111 Sint-Niklaas, since 12-03-2014
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Insights on FVC CONSULT
FVC CONSULT files the micro format. That format states no turnover. The gross margin fell from €66,578 in 2015 to €24,132 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FVC CONSULT
- What is the company number of FVC CONSULT?
- The company number of FVC CONSULT is 0547.871.935. The VAT number is the same number with BE in front: BE 0547.871.935.
- Where is FVC CONSULT based?
- The registered office is at Virginie Lovelingstraat 13, 9111 Sint-Niklaas.Company details
- What does FVC CONSULT do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of FVC CONSULT?
- FVC CONSULT is a private limited company (BV).
- When was FVC CONSULT founded?
- FVC CONSULT was founded on 12-03-2014.
- Is FVC CONSULT still active?
- Yes, FVC CONSULT is an active enterprise in the KBO register.
- What is the turnover of FVC CONSULT?
- The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €24,132 and 73 comparable companies (NACE 62200). It probably lies between €62,000 and €250,000. It is a rough estimate.Financials
- Is FVC CONSULT profitable?
- In financial year 2025, FVC CONSULT made a profit of €3,679.
- Where can I find the annual accounts of FVC CONSULT?
- FVC CONSULT filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FVC CONSULT due?
- FVC CONSULT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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