Everything is taking me much longer than it used to - both playing and writing about Football Manager. Yes, FM26 is not ideal in many ways; there are still more things in the game to fix than to use, but the fact that it takes me two months to write a blog is not the fault of the game itself. However, it is a bit, because it takes me much longer to finish a season. This blog is proof of that. Originally, it was supposed to be a blog about the 26/27 season. But combined with the Christmas holidays, the opportunity to run again (and do sports in general) and lots of new books to read, it ends up being a blog about two seasons at once.
"My" Lokeren is practically broke for the third year in a row, and I haven't bought a single player yet. Either it has to be free, and I have to talk him into it so that the player and the agent themselves don't want a signing bonus, or it has to be a loan. That saved my second season in the top flight. You can read about that too...
2026/2027
It was our first season back in the top tier after a promotion. I knew it would be crucial to strengthen the squad wisely to have the best possible chance of surviving in the top division. Our mission was highly successful, as we remained out of the relegation battle for the entire season. In the end, we almost won the European slot…
TransferRoom (In)
I wrote about the transfers ahead of the second season of this save, more detailed in my post about the TransferRoom (In) option. This option within the recruitment really helped me to find players which I didn’t even think about, but also I wouldn’t probably find them either.
As I mentioned in that post, all of these players were signed for free, and I didn’t pay a transfer fee. I only decided not to sign any new goalkeeper during this process because I was not able to find someone who would be better than the current backup or someone who would not want too high a wage.
It’s obvious that not all players became key players of the squad, but the central defenders’ trio Musliu, Doudaev and Mamengi were key to have the required stability at at the back. I can’t imagine I would play with the same defenders as in the first season while we were in the second tier.
The biggest surprise to me wasa striker Keano Vanrafelghem whom I signed for free after his time with KV Mechelen came to an end. He scored 14 league goals and he was our best goalscorer. He was more consistent than young Okoce and that was what we needed.
French midfielder Lilian Raillot also became our very important player as he made 29 league matches. The main thing is that all these signings went as I planned in terms of the promised/required playing time of each player. The one who I wanted as a backup fulfilled this role and the players who should be in the starting line-up also fulfilled what I wanted and expected.
Collapsed takeover and finances
The second season was a rollercoaster, not because of the results, but mainly in terms of the number of takeover rumours. We were under transfer embargo six times during the season, not that we would have money for any transfers.
All the takeover speculations were dismissed, or the takover colapsed. Everything escalated at the end of the season, when a few days after the last match, we found out that we didn't have a single euro in the budget for salaries before the new season. And the transfer budget is in the red.
The total balance at the end of the 2026/2027 competition year from the club's cash point of view was -€8.5M. The balance improved by about €2M after receiving prize money.
Tactical shift #1
We played the first season, in which we won the second tier, with the 3-5-2 formation, but not with the strikers, so it should rather be 3-5-1-1, as Radja Nainggolan played mainly in a free role. But I wanted to get back to the 3-5-2 with two strikers ahead of the second season. And I did that.
The main tweaks were in the middle of the pitch. I tried a lot of combinations for my central midfielders before I settled for this.
I kept it simple as always. The formation was not based on ticking all the instructions and using all the new (renamed) roles. Another change was that instead of using AWB on both sides, I kept this role only on the left side of the pitch, while the right wing-back is just…wing-back. Boring, I know.
But Jarno Vervarque, our key right wing-back, made 14 assists in 33 league matches = the second best in the league. I can live with it.
Avoid(ed) relegation
I mentioned it a couple of times already. The main aim of the 26/27 season was to avoid relegation back to the second tier. The prediction was 16th place. We finished 6th.
We fought about the Conference League slot until the last league round. But a 1:4 defeat in the last match of the 26/27 season against Anderlecht meant we dropped to the final 6th position. Club Brugge lost in Gent, but OH Leuven lost to Union SG = Club Brugge retained the title despite the first three teams having the same points. Interesting end for all. We exceeded the expectations 100%.
Goodbye, Radja!
The season 26/27 was the last one for my biggest star - at least by the name. Midfielder Radja Nainggolan retired from playing at the age of 39. He made 26 appearances, scoring 9 goals and making 6 assists in the first season when we won the promotion. He was able to participate in all 34 league matches in the top tier. He scored seven goals and made six assists.
He definitely was not within the list of my favourite players in real life; there are 100% other names, but it was nice to have a player like him for two seasons at least. I’m not sure if I will be able to sign someone like him in the near future of this save.
Still got it, Radja! 🥰🥐 #FM26 pic.twitter.com/FNa7lbS9yR
— FM Rensie | Ondrej (@FMRensie) December 11, 2025
One-touch football & Radja scoring in the wheelchair.
— FM Rensie | Ondrej (@FMRensie) December 23, 2025
Everything's possible if 38-year-old Radja is the fastest here.
Hello, Lokeren-Ball! 😁🧇 #FM26 pic.twitter.com/rNZh3MPilN
2027/2028
After mid-season weeks, I’m very happy we didn’t make it to Europe. The club has a new board after a successful takeover during June 2027, but the finances are so limited that I had to do everything a little bit differently this summer. Mainly, the incoming transfers are needed to be able to sign someone.
Long holidays thanks/due to annoying bug…
I already experienced this between the first and the second season. And it happened again. Players left for their holidays, but someone was very generous while coding the gam,e and their holiday lasted until July 5. The first competitive match of the new season is on July 24.
That means a very short time to prepare everything ahead of the new season. We can safely say that everything what was said about how the pre-season is important can go to the bin "thanks" to this bug. It was reported on the SI Forum, but I don’t expect it will be fixed before I will definitely lost the interest in playing FM26. Or it will be fixed, but it won’t be save compatible…
The negative transfer budget and (Unwanted) loan army
In June 2027, the takeover was completed. The club balance went from -€8M to €1.2M. But that was all.
The transfer budget remains the same: -€1.2M. The loans remained the same.
So, yes, we started improving the squad with the -€1.2M in the transfer budget. The new board didn’t boost the club financially. They kept the same strategy - sell before buy.
I had the first major outgoing transfer as Brighton bought our first-choice keeper for €1.3M (his transfer release clause). 15% was made available, which means it went up to -€1.01M
The fact that we have a negative transfer budget means I can't sign even free players because all players require a signing fee or agent fee = both of which are taken from the transfer budget.
All the free transfers were cancelled because of a lack of money for signing/agent fees. I sold six players for €3.4M, but it was not enough to make the transfer budget go from negative numbers. The only way I was able to sign someone was to find some loans. I’m not a big fan of loan signings, but I knew it was the only way to improve the squad without money, as our own youngsters are not good enough yet.
“A maximum of three domestic-based players allowed on loan in a season. A maximum of six foreign-based players over the age of 22 allowed on loan at a time.”
I signed one goalkeeper, one midfielder and two strikers. Babatz, Berenbruch and Fall became our key players. Meier should be an important player, but injuries limited him to being just a sub. And when he was not injured, Fall was in so good form that I couldn’t put him on the bench.
It showed me one main thing - I will sign at most three loan players in the future, or I will not be able to sign loan players for the same position.
Kindergarten Lokeren
@Oaky advised me to remove signing & agent fees while negotiating contracts to be able to sign free players, and it worked out when I signed midfielder Hugo de Llanos for free.
But it didn’t change the fact that my Lokeren squad already turned into a kindergarten. The average age of the squad during this season was slightly above 20 years old. I had 30 players in the squad during the first half of the season, and 15 players were 19 years old or younger.
During the winter transfer window, when I felt we were secured in terms of relegation, I decided to sell some players to improve the books. I sold striker Keano Vanrafelghem to Sampdoria for €1M. I signed him ahead of the previous season for free. He was the best goalscorer of the previous season, but it's a lot of money, and I had enough strikers.
Another winter transfer was Alessandro Giliberti, a 17-year-old midfielder - I signed him for free from a lower league club to have enough players for reserves and maybe develop him. It turns out he developed very well, and Genk bought him for €400k + €400k + 30% from the next sale. No big savings on wages, but €800k is great.
I managed to transfer the budget from negative numbers, but I’m sure the race against the negative transfer budget will begin again after this season…
Tactical shift #2
I did a couple of tactical changes before the 2027/2028 season compared to the previous one I shared above. I did some more tweaks during the first league rounds, as I didn’t like our hyperactive and chaotic approach, mainly because of the out-of-possession instructions hyped too much.
So, I went with a simpler approach and tweaked it. You can also see I changed the positioning of the central midfielders’ roles. It created some kind of roof with this approach. Thomas Brerenbruch scored some nice goals as our main attacking midfielder after a simple cutback pass. If I find a player with very good off-the-ball movement, it will work even better.
The biggest change, and the most effective one, was surely the change to the Target Forward role as Pape Moussa Fall scored 20 league goals in 24(2) appearances and ended the season as the best rated player from all with the 7.44 average rating.
I was very happy with how it worked. I will keep it like this for the next season. Maybe I'll write a separate blog about it if I have the time and the right mood.
Two places better
The second season in the Belgian top tier ended with a better final position in the table for Lokeren. We didn’t have a good start to the league campaign. It could be caused by the lack of time in the pre-season due to the bug mentioned above. But our form and results improved a lot after the loan signings. All Babatz, Berenbruch and Fall had a big impact on our play after I settled the tactic down and stopped tweaking every little thing.
I would like to show you the progress of our league standings, but I couldn’t find the screen with the standings development in FM26. “Past positions” screen - if it’s there somewhere, please let me know. It was one of my favourite screens in previous editions within competition panels, but I’m probably blind, and I couldn’t find it.
The league was very tight and dramatic until the last round. Club Brugge won the league title in the previous season because they won 20 matches. OH Leuven and Union SG also had 67 points, but only 19 wins. Club Brugge won the league title in the 27/28 season. And this time, it was thanks to a better goal difference; Anderlecht also ended with 69 points. But Brugge won 7:0 against Beerschot…
We improved our final league position by two places in comparison with the previous season. We won 3:2 away from home against Zulte in the last round and finished the season with 66 points. Just three points behind the top two.
It also means we qualified for Europe. We will start in the Europa League qualification - third round.
A combined Jupiler Pro League 2027/2028 table. Purple = home, green = away.
Said Okoce update
The first youth intake of this save delivered a couple of very good young players, including Said Okoce. The young winger or striker is 100% one of the best newgen I’ve ever had in the Football Manager. He has been our key striker since the start of the second season, and his development continued very well.
Playing mainly as a Channel Forward within our 3-5-2 formation, his reputation increased during the last two years, and a couple of weeks ahead of the end of the 2027/2028 season, he was named 2nd in the NXGN 2028. At that time, he was wanted by Barcelona.
His release clause was about €10M. I gave him a new contract, and the release clause was increased to up to €18M for foreign clubs. He was also called up to the Belgian senior national team by Ralf Rangnick at the age of 17…
…a couple of weeks later, he made his debut during the first match of the EURO 2028, and became the youngest Belgian player in the senior national team.
Thanks to the financial challenges, the save remains interesting to me, despite thefact that Football Manager 2026 itself is not as good as we all hoped. Maybe it will lose the last small magic when the finances are repaired, and I will stop playing. I don’t know.
What about next season? I can only confirm that any of the four loan players will continue with us. Richard Meier is out of contract, but he was injured too often, and it’s not worthy to risk. Babatz & Berenbruch will not be allowed to join us again; their clubs want to “test them somewhere else” and rejected our loan bids.
And Pape Moussa Fall? The best-rated player of the Jupiler Pro League 27/28 will probably earn his place in the FC Metz squad for the next season. They were relegated to the Ligue 2; they would be stupid not play him. But I will follow him surely.
Thank you for reading. Feel free to join us on FM Slack. Feel free to follow me on Twitter or Bluesky
What is FM Slack?
There were a lot of changes within many social media, including Twitter (now “X”), and it’s not the same as in the past. We can’t see many things due to the algorithm, weird preferences and many other reasons I don’t even want to know.
There are many Discord servers, and I’m sure they are good and useful. But I will probably always be a bigger fan of Slack. Or, better worded, the Football Manager Slack. Feel free to join us with this link.
You will find a short channel summary in the ‘generalchat’, so it will be easier for you to navigate through the channels.

There are a couple of things missing in Football Manager 26. The touchline shouts feature is one of them. I found out I miss them more than I could’ve imagined, and I decided to create some kind of compensation. It works like a therapy. I keep this page open and hit the relevant button from time to time during the match.