F & C
ActiveF & C has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.06M and a net result of €9k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 80% of 8994 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
72
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+18
Solvency67=
Growth52▲+9
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.33 against 0.33 in 2024), and 28.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
higher
← fewer bankruptcies
more bankruptcies →
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
71.7%
Return on assets
0.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
28 d late
2023
26 d late
2022
31 d late
2021
29 d late
2020
52 d early
2019
37 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€32k▼ 21.8%
2024 · €41k
2018: €225k
2019: €201k
2020: €275k
2021: €95k
2022: €37k
2024: €41k
2018 → 2025
EBIT margin
52.4%▲ 6.0pp
2024 · 46.4%
2018: 11.6%
2019: 12.6%
2020: 56.5%
2021: 4.7%
2022: 126.1%
2024: 46.4%
2018 → 2025
Net result
€9k▲ 352%
2024 · €2k
2018: €2k
2019: €4k
2020: €100k
2021: €18k
2022: €-12k
2023: €10k
2024: €2k
2018 → 2025
Working capital
€-270k▼ 3.8%
2024 · €-260k
2018: €-668k
2019: €-533k
2020: €-517k
2021: €-553k
2022: €-271k
2023: €-268k
2024: €-260k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€95k-€37k▼ 61.0%€41k€32k▼ 21.8%
Equity€1.05M-€1.04M▼ 1.2%€1.05M▲ 0.9%€1.05M▲ 0.2%€1.06M▲ 0.9%
Operating result€4k-€47k▲ 946%€13k▼ 72.3%€19k▲ 46.0%€17k▼ 11.7%
Net result€18k-€-12k€10k€2k▼ 78.8%€9k▲ 352%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.48M
Fixed assets
€1.35M▼ 1.6%
Current assets
€130k▲ 0.7%
Equity and liabilities €1.48M
Equity
€1.06M▲ 0.9%
Debt
€419k▼ 6.7%
The debt ratio falls from 29.9% to 28.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€145k▲
2024 · €144k
Cash flow
€138k▲
2024 · €127k
Solvency
71.7%▲
2024 · 70.1%
Current ratio
0.33▼
2024 · 0.33
Quick ratio
0.33▼
2024 · 0.33
Debt / equity
0.40▼
2024 · 0.43
ROE
0.9%▲
2024 · 0.2%
ROA
0.6%▲
2024 · 0.1%
Interest coverage
66.62▲
2024 · 10.24
Debt
€419k▼
2024 · €449k
Debt ≤ 1 year
€400k▲
2024 · €389k
Debt > 1 year
€19k▼
2024 · €60k
Income taxes
€770▼
2024 · €3k
Staff costs
€117k▲
2024 · €101k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.50M€1.48M▼
Fixed assets21/28€1.37M€1.35M▼
Tangible fixed assets22/27€1.37M€1.33M▼
Land and buildings22€1.26M€1.25M▼
Plant, machinery and equipment23€55k€45k▼
Furniture and vehicles24€1k€2k▲
Other tangible fixed assets26€57k€36k▼
Financial fixed assets28-€20k
Current assets29/58€129k€130k▲
Amounts receivable within one year40/41€102k€110k▲
Trade receivables40€102k€110k▲
Cash at bank and in hand54/58€14k€6k▼
Deferred charges and accrued income490/1€13k€14k▲
Equity and liabilities
Total equity and liabilities10/49€1.50M€1.48M▼
Equity10/15€1.05M€1.06M▲
Contributions10/11€500k€500k=
Capital10€500k€500k=
Issued capital100€500k€500k=
Revaluation surpluses12€320k€320k=
Profit (loss) carried forward14€231k€240k▲
Amounts payable17/49€449k€419k▼
Amounts payable after more than one year17€60k€19k▼
Financial debts170/4€60k€19k▼
Amounts payable within one year42/48€389k€400k▲
Current portion of amounts payable after more than one year42€29k€29k=
Financial debts43€17€17=
Credit institutions430/8€17€17=
Trade debts44€291k€263k▼
Suppliers440/4€291k€263k▼
Taxes, remuneration and social security45€69k€96k▲
Taxes450/3€32k€34k▲
Remuneration and social security454/9€36k€62k▲
Other amounts payable47/48-€11k
Income statement
Code20242025
Turnover70€41k€32k▼
Goods, raw materials, services and sundry goods60/61€133k€132k▼
Remuneration, social security and pensions62€101k€117k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€125k€129k▲
Other operating charges640/8€55k€53k▼
Non-recurring operating charges66A€7-
Gross operating margin9900€300k€316k▲
Operating profit (loss)9901€19k€17k▼
Financial income75/76B-€455
Recurring financial income75-€455
Financial charges65/66B€14k€7k▼
Recurring financial charges65€14k€2k▼
Non-recurring financial charges66B-€5k
Profit (loss) for the period before taxes9903€5k€10k▲
Income taxes67/77€3k€770▼
Profit (loss) for the period9904€2k€9k▲
Profit (loss) for the period to be appropriated9905€2k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€231k€240k▲
Profit (loss) brought forward from the previous period14P€229k€231k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-12k ▼167%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €100k ▲2440%
Operating result €155k, net result €100k, both a record.
31-12
Financial
Equity above €1MEq €1.03M ▲10.7%
3 profitable years in a row build equity to €1.03M.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 2 days late
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
7 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, Charleroi · 4 establishment units since 1990
Ground area
4,571 m²
Building footprint
1,591 m²
Volume, LiDAR
5,952 m³
3 parcels, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
4 establishment units
F & C
since 19902.047.121.850
F & C
since 20092.180.941.466
F & C
since 20092.180.941.664
F & C
since 20092.180.942.060
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52502C0096/00R027 | Wallonia | 2,723 m² | 1 · 1,164 m² | 6.5 m · 2 fl. |
| 92136A0143/00H004 | Wallonia | 1,732 m² | 1 · 374 m² | - |
| 52044B0131/00P016indicative | Wallonia | 117 m² | 1 · 53 m² | 6.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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VMA be.Maintenance
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Of 3,704 companies in sector 33120 we hold annual accounts for 1,334. 675 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-12-1989
Fiscal year end31-12
Activities, NACEBEL
29322
33120Repair and maintenance of machinery
68121Development of residential building projects
70111
25530Machining of metals
28520
43350Other building finishing work
62900Other information technology and computer services
72600
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.