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La FAC

Active
Private limited companyfounded 20241 yr activeChaussée de Charleroi 60, 6061 Charleroi, BelgiumKBO/BCE: BE 1016.725.987
Summary

La FAC has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3,411 and a net result of €20,991. Its solvency ranks better than 45% of 2074 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency63▲+63
Growth78
Track record82
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
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Signals

Four 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 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-09-2026, 33 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filings
Deviation from the deadline
2025
33 d late
2024
34 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 1 day before the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% 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.
Companies Code · seven months
Position in the running window
30-09-2026 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

History

On 28 November 2024, La FAC was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€3,411
2024 · -€17,580
Total assets
€9,075▲ 173%
2024 · €3,321
Net result
€20,991
2024 · -€20,580
Working capital
€3,164
2024 · -€17,514
Trend over the years
In euros
In euros
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result-€20,568-€22,016
Net result-€20,580below the sector's middle half-€20,991within the sector's middle half
Equity-€17,580below the sector's middle half-€3,411below the sector's middle half
Total assets€3,321below the sector's middle half-€9,075below the sector's middle half▲ 173%
Debt€20,901-€5,664▼ 72.9%
Working capital-€17,514below the sector's middle half-€3,164within the sector's middle half
Solvency37.6%within the sector's middle half
Current ratio1.58within the sector's middle half
Return on assets (ROA)231.3%above the sector's middle half
above within below the middle half (P25 to P75) of NACE 85, Education, 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
-€40,000-€20,000€0€20,000Operating result 2024: -€20,568-€20,568Net result 2024: -€20,580-€20,580Operating result 2025: €22,016€22,016Net result 2025: €20,991€20,99120242025-€40,000-€20,000€0€20,000Operating result 2024: -€20,568-€20,600Net result 2024: -€20,580-€20,600Operating result 2025: €22,016€22,000Net result 2025: €20,991€21,00020242025
The operating result returns to profit in 2025: €22,016 after a loss of €20,568 in 2024.
Balance-sheet composition
Assets €9,075
Fixed assets €430
Current assets €8,645
Equity and liabilities €9,075
Equity €3,411
Debt €5,664
Debt finances 62.4% of the balance-sheet total.
Key figures and ratios
2025 value · change against 2024
EBITDA
€22,212
Cash flow
€21,187
Debt to equity
1.66
ROE
615.4%
Interest coverage
48.81
Debt ≤ 1 year
€5,481▼
2024 · €20,836
Income taxes
€590
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 11,280 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,280 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet Code20242025
Assets
Total assets20/58€3,321€9,075▲
Fixed assets21/28-€430
Tangible fixed assets22/27-€430
Furniture and vehicles24-€430
Current assets29/58€3,321€8,645▲
Amounts receivable within one year40/41€3,000€5,350▲
Trade receivables40-€1,569
Other amounts receivable41€3,000€3,781▲
Cash at bank and in hand54/58-€3,295
Deferred charges and accrued income490/1€321-
Equity and liabilities
Total equity and liabilities10/49€3,321€9,075▲
Equity10/15-€17,580€3,411▲
Contributions10/11€3,000€3,000=
Profit (loss) carried forward14-€20,580€411▲
Amounts payable17/49€20,901€5,664▼
Amounts payable within one year42/48€20,836€5,481▼
Trade debts44€1,200€3,012▲
Suppliers440/4€1,200€3,012▲
Taxes, remuneration and social security45€1,870€2,469▲
Taxes450/3€1,870€2,469▲
Other amounts payable47/48€17,765-
Accrued charges and deferred income492/3€66€183▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€196
Other operating charges640/8-€791
Gross operating margin9900-€20,568€23,003▲
Operating profit (loss)9901-€20,568€22,016▲
Financial income75/76B-€20
Recurring financial income75-€20
Financial charges65/66B€12€455▲
Recurring financial charges65€12€455▲
Profit (loss) for the period before taxes9903-€20,580€21,581▲
Income taxes67/77-€590
Profit (loss) for the period9904-€20,580€20,991▲
Profit (loss) for the period to be appropriated9905-€20,580€20,991▲
Appropriation of the result
Profit (loss) to be appropriated9906-€20,580€411▲
Profit (loss) brought forward from the previous period14P--€20,580

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

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€196-
Other operating charges640/8-€791-
Gross operating margin9900-€20,568€23,003▲ 212%
Operating profit (loss)9901-€20,568€22,016▲ 207%
Financial income75/76B-€20-
Recurring financial income75-€20-
Financial charges65/66B€12€455▲ 3,627%
Recurring financial charges65€12€455▲ 3,627%
Profit (loss) for the period before taxes9903-€20,580€21,581▲ 205%
Income taxes67/77-€590-
Profit (loss) for the period9904-€20,580€20,991▲ 202%
Profit (loss) for the period to be appropriated9905-€20,580€20,991▲ 202%
Line20242025Change
Assets
Total assets20/58€3,321€9,075▲ 173%
Fixed assets21/28-€430-
Tangible fixed assets22/27-€430-
Furniture and vehicles24-€430-
Current assets29/58€3,321€8,645▲ 160%
Amounts receivable within one year40/41€3,000€5,350▲ 78.3%
Trade receivables40-€1,569-
Other amounts receivable41€3,000€3,781▲ 26.0%
Cash at bank and in hand54/58-€3,295-
Deferred charges and accrued income490/1€321--
Equity and liabilities
Total equity and liabilities10/49€3,321€9,075▲ 173%
Equity10/15-€17,580€3,411▲ 119%
Contributions10/11€3,000€3,000=
Profit (loss) carried forward14-€20,580€411▲ 102%
Amounts payable17/49€20,901€5,664▼ 72.9%
Amounts payable within one year42/48€20,836€5,481▼ 73.7%
Trade debts44€1,200€3,012▲ 151%
Suppliers440/4€1,200€3,012▲ 151%
Taxes, remuneration and social security45€1,870€2,469▲ 32.0%
Taxes450/3€1,870€2,469▲ 32.0%
Other amounts payable47/48€17,765--
Accrued charges and deferred income492/3€66€183▲ 178%
Line20242025Change
Profit (loss) for the period9904-€20,580€20,991▲ 202%
+ Depreciation and write-downs630-€196-
Operating cash flow (approximation)-€20,580€21,187▲ 203%

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
02-09
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 33 days late
2025
31-12
Financial Back to profitnet €20,991
Net result €20,991 after one loss-making year.
31-12
Financial Liquidity times 10current ratio 1.58
Current ratio from 0.16 to 1.58; short-term debt falls from €20,836 to €5,481.
27-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Charleroi · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
126 m²
Building footprint
105 m²
Volume, LiDAR
822 m³
Parcel 52049B0355/00G000, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
6 companies at this address See who is registered here
1 establishment unit
La Fac
Chaussée de Charleroi 60, 6061 CharleroiRetail trade
since 20242.367.122.573
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52049B0355/00G000 Wallonia 126 m² 1 · 105 m² 11.8 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 3,021 companies in sector 85592 we hold annual accounts for 991. 252 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
Founded28-11-2024
Fiscal year end31-12
Activities, NACEBEL 2025
85592Vocational training
85593Socio-cultural adult education
96999Other personal services
Contact
E-mail misirliayla@hotmail.com
Phone +32492310205
E-invoicing
Reachable via Peppol
Peppol ID 0208:1016725987
Registered 22-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 September 2026 · Peppol Directory

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