FPC Consult
ActiveFPC Consult has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €57k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 71% of 7332 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+16
Solvency89▲+17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.47 in 2024; short-term debt: 35.9% and cash: 10.1% of total assets), and 36.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
63.6%
Return on assets
31.5%
Age of the figures
9 mo
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
neutral · Filed after the deadline
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. 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
31 d late
2024
31 d late
2023
26 d late
2022
13 d late
2021
30 d late
2020
31 d late
2019
31 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€116k▲ 98.0%
2024 · €58k
2018: €24k
2019: €35k
2020: €37k
2021: €38k
2022: €43k
2023: €43k
2024: €58k
2018 → 2025
Total assets
€182k▲ 46.7%
2024 · €124k
2018: €114k
2019: €219k
2020: €94k
2021: €196k
2022: €87k
2023: €124k
2024: €124k
2018 → 2025
Net result
€57k▲ 278%
2024 · €15k
2018: €194
2019: €11k
2020: €2k
2021: €441
2022: €6k
2023: €76
2024: €15k
2018 → 2025
Working capital
€47k▲ 85.4%
2024 · €25k
2018: €22k
2019: €29k
2020: €28k
2021: €26k
2022: €39k
2023: €5k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€43k▲ 14.6%€43k▲ 0.2%€58k▲ 35.1%€116k▲ 98.0%
Operating result€1k-€8k▲ 617%€-21k€24k€84k▲ 250%
Net result€441-€6k▲ 1,150%€76▼ 98.6%€15k▲ 19,798%€57k▲ 278%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 250% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €182k
Fixed assets
€70k▲ 55.4%
Current assets
€112k▲ 41.8%
Equity and liabilities €182k
Equity
€116k▲ 98.0%
Debt
€66k▲ 1.0%
The debt ratio falls from 52.9% to 36.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€86k▲
2024 · €39k
Cash flow
€60k▲
2024 · €31k
Solvency
63.6%▲
2024 · 47.1%
Current ratio
1.72▲
2024 · 1.47
Quick ratio
1.72▲
2024 · 1.47
Debt / equity
0.57▼
2024 · 1.12
ROE
49.5%▲
2024 · 26.0%
ROA
31.5%▲
2024 · 12.2%
Interest coverage
108.82▲
2024 · 31.13
Debt
€66k▲
2024 · €66k
Debt ≤ 1 year
€65k▲
2024 · €54k
Debt > 1 year
€918▼
2024 · €12k
Income taxes
€24k▲
2024 · €8k
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€124k€182k▲
Fixed assets21/28€45k€70k▲
Tangible fixed assets22/27€45k€70k▲
Furniture and vehicles24€45k€70k▲
Current assets29/58€79k€112k▲
Amounts receivable within one year40/41€45k€90k▲
Trade receivables40€34k€85k▲
Other amounts receivable41€11k€4k▼
Cash at bank and in hand54/58€33k€18k▼
Deferred charges and accrued income490/1€464€4k▲
Equity and liabilities
Total equity and liabilities10/49€124k€182k▲
Equity10/15€58k€116k▲
Contributions10/11€30k€30k=
Reserves13€21k€78k▲
Distributable reserves133€21k€78k▲
Profit (loss) carried forward14€7k€7k▲
Amounts payable17/49€66k€66k▲
Amounts payable after more than one year17€12k€918▼
Financial debts170/4€12k€918▼
Amounts payable within one year42/48€54k€65k▲
Current portion of amounts payable after more than one year42€10k€11k▲
Financial debts43€2k€7k▲
Credit institutions430/8€2k€7k▲
Trade debts44€13k€8k▼
Suppliers440/4€13k€8k▼
Taxes, remuneration and social security45€14k€21k▲
Taxes450/3€14k€21k▲
Other amounts payable47/48€15k€19k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€2k▼
Other operating charges640/8€195€196▲
Gross operating margin9900€40k€87k▲
Operating profit (loss)9901€24k€84k▲
Financial income75/76B€5€9▲
Recurring financial income75€5€9▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€795▼
Non-recurring financial charges66B-€2k
Profit (loss) for the period before taxes9903€23k€81k▲
Income taxes67/77€8k€24k▲
Profit (loss) for the period9904€15k€57k▲
Profit (loss) for the period to be appropriated9905€15k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€64k▲
Profit (loss) brought forward from the previous period14P€6k€7k▲
Transfer to equity691/2€14k€57k▲
To other reserves6921€14k€57k▲
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €57k ▲278%
Operating result €84k, net result €57k, both a record.
31-12
Financial
Equity above €100kEq €116k ▲98%
8 profitable years in a row build equity to €116k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €76 ▼98.6%
Net result drops to €76, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 13 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
12-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 43 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Spa · 1 establishment unit since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Vieille route de Stavelot 224900 SpaGround area
150 m²
Building footprint
183 m²
Volume, LiDAR
1,265 m³
Parcel 63072G1291/00R004, Wallonia · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fabrice Pirnay Constructions SPRL
since 20102.186.236.973
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63072G1291/00R004 | Wallonia | 150 m² | 1 · 183 m² | 11.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
JP PERFORMANCE ENTREPRISES
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Bouwwerken Kersemans
BE 0778.275.342
Brecht · Eq €116k
ENCOBEL
BE 0810.592.079
Charleroi · Eq €116k
BOUWWERKEN NACHTERGAELE THIJS
BE 1005.667.294
Wortegem-Petegem · Eq €116k
EWL
BE 0695.771.694
Essen · Eq €116k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,991 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2010
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
68121Development of residential building projects
43120Site preparation
43990Other specialised construction activities
43995Specialised construction activities
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.