BOFISCOM
ActiveSummary
BOFISCOM has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €952k and a net result of €110k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 7058 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability77=
Solvency80▼-11
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity short (current ratio 0.39 against 0.73 in 2024; short-term debt: 43.1% and cash: 4.4% of total assets), and 44.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
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
55.1%
Return on assets
6.3%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 17-03-2026, 45 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
45 d late
2024
31 d late
2023
29 d late
2022
1 d late
2021
16 d late
2020
1 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€952k▲ 13.0%
2024 · €842k
Total assets
€1.73M▲ 34.3%
2024 · €1.28M
Net result
€110k▲ 24.6%
2024 · €88k
Working capital
€-452k▼ 334%
2024 · €-104k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€207k▼ 11.5%€145k▼ 29.8%€168k▲ 16.0%€134k▼ 20.3%€181k▲ 34.9%
Net result€143k▼ 12.5%€122k▼ 15.1%€114k▼ 6.2%€88k▼ 22.9%€110k▲ 24.6%
Equity€612k▲ 30.6%€640k▲ 4.6%€754k▲ 17.8%€842k▲ 11.7%€952k▲ 13.0%
Total assets€1.02M▲ 8.3%€887k▼ 13.3%€1.01M▲ 13.9%€1.28M▲ 27.2%€1.73M▲ 34.3%
Debt€451k▼ 14.8%€227k▼ 49.7%€239k▲ 5.2%€427k▲ 78.8%€760k▲ 78.1%
Working capital€239k▲ 197%€273k▲ 14.1%€389k▲ 42.7%€-104k€-452k▼ 334%
Staff (FTE)1▼ 9.1%1=1=1=1=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 35% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.73M
Fixed assets
€1.43M ▲ 42.0%
Current assets
€292k ▲ 6.1%
Equity and liabilities €1.73M
Equity
€952k ▲ 13.0%
Provisions
€15k ▼ 9.8%
Debt
€760k ▲ 78.1%
Debt's share of the balance-sheet total rises from 33.2% to 44.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€228k▲
2024 · €171k
Cash flow
€157k▲
2024 · €125k
Current ratio
0.39▼
2024 · 0.73
Debt to equity
0.80▲
2024 · 0.51
ROE
11.5%▲
2024 · 10.4%
ROA
6.3%▼
2024 · 6.8%
Interest coverage
9.39▼
2024 · 18.90
Debt ≤ 1 year
€744k▲
2024 · €379k
Debt > 1 year
€16k▼
2024 · €47k
Income taxes
€51k▲
2024 · €43k
Staff costs
€114k▲
2024 · €95k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €67k | €89k | €95k | €114k | ▲ 19.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €66k | €46k | €47k | €37k | €48k | ▲ 27.1% |
| Other operating charges640/8 | - | €7k | €972 | €3k | €2k | ▼ 50.0% |
| Non-recurring operating charges66A | - | €537 | €0 | - | €20k | - |
| Gross operating margin9900 | €325k | €265k | €304k | €269k | €363k | ▲ 34.9% |
| Operating profit (loss)9901 | €207k | €145k | €168k | €134k | €181k | ▲ 34.9% |
| Financial income75/76B | - | €29k | €5k | €4k | €3k | ▼ 35.7% |
| Recurring financial income75 | €5k | €29k | €5k | €4k | €3k | ▼ 35.7% |
| Financial charges65/66B | - | €3k | €3k | €9k | €24k | ▲ 168% |
| Recurring financial charges65 | €3k | €3k | €3k | €9k | €24k | ▲ 168% |
| Profit (loss) for the period before taxes9903 | €209k | €171k | €171k | €129k | €159k | ▲ 23.3% |
| Transfer from deferred taxes780 | - | €2k | €2k | €2k | €2k | ▲ 1.5% |
| Income taxes67/77 | €68k | €51k | €59k | €43k | €51k | ▲ 19.9% |
| Profit (loss) for the period9904 | €143k | €122k | €114k | €88k | €110k | ▲ 24.6% |
| Transfer from tax-exempt reserves789 | - | €7k | €7k | €5k | €5k | ▲ 1.5% |
| Profit (loss) for the period to be appropriated9905 | €151k | €129k | €121k | €93k | €114k | ▲ 23.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.02M | €887k | €1.01M | €1.28M | €1.73M | ▲ 34.3% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €550k | €516k | €472k | €1.01M | €1.43M | ▲ 42.0% |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €550k | €516k | €472k | €1.01M | €1.43M | ▲ 42.0% |
| Land and buildings22 | - | €350k | €341k | €802k | €1.25M | ▲ 56.1% |
| Plant, machinery and equipment23 | - | €2k | €4k | €3k | €4k | ▲ 21.2% |
| Furniture and vehicles24 | - | €16k | €4k | €107k | €106k | ▼ 0.7% |
| Leasing and similar rights25 | - | €46k | €44k | €42k | €40k | ▼ 4.4% |
| Other tangible fixed assets26 | - | €102k | €79k | €55k | €32k | ▼ 42.3% |
| Financial fixed assets28 | €87 | €87 | €0 | - | - | - |
| Current assets29/58 | €508k | €371k | €538k | €275k | €292k | ▲ 6.1% |
| Amounts receivable after more than one year29 | - | €188k | €176k | €69k | €52k | ▼ 25.0% |
| Other amounts receivable291 | - | €188k | €176k | €69k | €52k | ▼ 25.0% |
| Stocks and contracts in progress3 | €0 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €150k | €119k | €230k | €41k | €44k | ▲ 9.1% |
| Trade receivables40 | - | €82k | €147k | €22k | €33k | ▲ 49.7% |
| Other amounts receivable41 | - | €37k | €83k | €18k | €11k | ▼ 40.0% |
| Current investments50/53 | €139k | €25k | €55k | €86k | €116k | ▲ 35.6% |
| Cash at bank and in hand54/58 | €70k | €34k | €72k | €78k | €76k | ▼ 3.0% |
| Deferred charges and accrued income490/1 | - | €6k | €5k | €2k | €4k | ▲ 132% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.02M | €887k | €1.01M | €1.28M | €1.73M | ▲ 34.3% |
| Equity10/15 | €612k | €640k | €754k | €842k | €952k | ▲ 13.0% |
| Contributions10/11 | - | €20k | €20k | €20k | €20k | = |
| Reserves13 | €591k | €619k | €733k | €821k | €931k | ▲ 13.3% |
| Non-distributable reserves130/1 | - | €3k | €3k | €3k | €3k | = |
| Reserves not available under the articles1311 | - | €3k | €3k | €3k | €3k | = |
| Tax-exempt reserves132 | - | €60k | €53k | €48k | €44k | ▼ 9.8% |
| Distributable reserves133 | - | €556k | €677k | €770k | €884k | ▲ 14.9% |
| Profit (loss) carried forward14 | €1k | €1k | €1k | €1k | €1k | = |
| Provisions and deferred taxes16 | €25k | €20k | €18k | €16k | €15k | ▼ 9.8% |
| Deferred taxes168 | - | €20k | €18k | €16k | €15k | ▼ 9.8% |
| Amounts payable17/49 | €451k | €227k | €239k | €427k | €760k | ▲ 78.1% |
| Amounts payable after more than one year17 | €182k | €116k | €82k | €47k | €16k | ▼ 66.4% |
| Financial debts170/4 | - | €116k | €82k | €47k | €16k | ▼ 66.4% |
| Amounts payable within one year42/48 | €269k | €98k | €149k | €379k | €744k | ▲ 96.1% |
| Current portion of amounts payable after more than one year42 | - | €34k | €34k | €34k | €31k | ▼ 8.9% |
| Trade debts44 | €51k | €28k | €23k | €42k | €21k | ▼ 50.4% |
| Suppliers440/4 | - | €28k | €23k | €42k | €21k | ▼ 50.4% |
| Taxes, remuneration and social security45 | - | €17k | €23k | €17k | €72k | ▲ 333% |
| Taxes450/3 | - | €9k | €12k | €3k | €33k | ▲ 1,163% |
| Remuneration and social security454/9 | - | €8k | €11k | €14k | €39k | ▲ 177% |
| Other amounts payable47/48 | - | €20k | €69k | €286k | €620k | ▲ 116% |
| Accrued charges and deferred income492/3 | - | €13k | €8k | €66 | €66 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €143k | €122k | €114k | €88k | €110k | ▲ 24.6% |
| + Depreciation and write-downs630 | €66k | €46k | €47k | €37k | €48k | ▲ 27.1% |
| Operating cash flow (approximation) | €209k | €168k | €161k | €125k | €157k | ▲ 25.3% |
| Investment in fixed assets (approximation) | - | €-11k | €-3k | €-575k | €-472k | ▲ 17.9% |
| Change in cash | - | €-36k | €39k | €6k | €-2k | ▼ 139% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 45 days late
2025
03-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-06
Financial
Weakest financial yearnet €88k ▼22.9%
Net result drops to €88k, the lowest in the series; recovery starts the following year.
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
30-06
Financial
Equity above €500kEq €612k ▲30.6%
3 profitable years in a row build equity to €612k.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Opwijk · 3 establishment units since 1994
Ground area
5,610 m²
Building footprint
2,504 m²
Volume, LiDAR
9,147 m³
3 parcels, Flanders, Wallonia · tallest building 13.9 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
HET HUIS VAN VERZORGING
since 19942.065.786.828
HET HUIS VAN VERZORGING
since 20042.244.593.163
Toscardenne
since 20252.387.473.272
3 parcels
Flanders
2
(66.7%)
Wallonia
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31334B0523/00C000 | Flanders | 2,347 m² | 1 · 2,157 m² | 13.9 m · 1 fl. |
| 83027A0784/00K000 | Wallonia | 2,052 m² | 1 · 202 m² | - |
| 23752F0208/00A000 | Flanders | 1,211 m² | 1 · 144 m² | 7.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 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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Of 13,417 companies in sector 73300 we hold annual accounts for 6,896. 3,136 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 (pre-2019)
Founded08-12-1993
Fiscal year end30-06
Activities, NACEBEL 2025
73300Public relations and communication consultancy
47750Retail sale of cosmetics and toilet articles
70200Business and other management consultancy
82990Other business support services
86220Specialist medical practice
96230Day spas, saunas and steam baths
Scores and ratios are computed by Checked and are not a credit decision.