Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 1 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 9 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FACTA CONCEPT from Morlanwelz, company number BE0846112291, closed financial year 2025 with a result of € -27,216 after tax. For that financial year FACTA CONCEPT recorded a gross margin of € 33,332 and equity of € -14,317. Compared with financial year 2024, the result moved from € -15,782 to € -27,216. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on January 28, 2026.
€ -14,317
▼ € 27,216 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -27,216
▼ 72 % more loss than in 2024
Profit after tax over the fiscal year.
€ 5,256
▼ 57% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -34,777.
People and assets in 2025
€ 36,029
▼ 36% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 23,362
▲ 43% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 23,337
▼ 13% vs 2024
€ 3,631 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 1,531
▲ 26% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 7,668
▼ 59% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 73,475 | € 50,717 | € 59,321 | € 33,332 | ▼ 44% |
| Profit after taxes | € 22,475 | € -11,849 | € -15,782 | € -27,216 | ▼ € 11,434 |
| Equity | € 40,530 | € 28,681 | € 12,899 | € -14,317 | ▼ € 27,216 |
| Total debts | € 31,692 | € 159,287 | € 159,819 | € 155,978 | ▼ 2% |
| Cash | € 16,797 | € 28,260 | € 12,119 | € 5,256 | ▼ 57% |
| Retained profit | € 21,930 | € 10,081 | € -7,561 | € -34,777 | ▼ € 27,216 |
| Bank debt | € 0 | € 29,508 | € 26,968 | € 23,337 | ▼ 13% |
| Balance sheet total | € 72,222 | € 187,968 | € 172,718 | € 141,661 | ▼ 18% |
| Employees (FTE) | 0.9 | - | - | - |
Key figures of FACTA CONCEPT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to FACTA CONCEPT?
What happened at FACTA CONCEPT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 27,216. Source: NBB ↗
- New establishment in Manage. KBO
- New establishment in Morlanwelz. KBO
- Start of the company according to the CBE. KBO
- Christine NALINES became a director. NBB
- Joachim JANOWSKI became a director. NBB
In short
From € 22,475 profit in 2022 to € 27,216 loss in 2025.
Paid € 1,000 in corporate taxes since 2022.
Best year ever: 2022, with € 22,475 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind FACTA CONCEPT are Christine NALINES and Joachim JANOWSKI . Christine NALINES is also behind Lire et Ecrire Centre Mons Borinage.
Directors
According to the 2025 annual accounts
since 2012
Joachim JANOWSKI
Manager
since 2012
Establishments
Establishment units
Physical locations of this company
Rue des Ateliers(MLZ) 151
7140 Morlanwelz
Rue de la Croyère 25 box 2
7170 Manage
Active since 1 January 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0846.112.291
- VAT number
- BE 0846.112.291
- Registered office
- Rue des Ateliers(MLZ) 151, 7140 Morlanwelz
- Names & denominations
- FACTA CONCEPT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 23 May 2012
- Peppol
- Active · Active since 29 Sept 2025
- Activities · NACE
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