FICOMEX
ActiveFICOMEX has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €355k and a net result of €24k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 64% of 2934 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▲+49
Solvency85▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days only on tighter terms
Liquidity ample (current ratio 2.37 against 2.18 in 2023; short-term debt: 39.6% and cash: 9% of total assets), and 39.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-08-2026, 379 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
379 d late
2023
293 d late
2022
105 d late
2021
413 d late
2020
152 d late
2019
152 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€24k
2023 · €-4k
2018: €32k
2019: €44k
2020: €35k
2021: €49k
2022: €49k
2023: €-4k
2018 → 2024
Working capital
€318k▲ 12.2%
2023 · €284k
2018: €166k
2019: €194k
2020: €210k
2021: €242k
2022: €242k
2023: €284k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€239k-€288k▲ 20.4%€288k=€323k▲ 12.3%€355k▲ 9.8%
Operating result€63k-€79k▲ 24.7%€79k=€5k▼ 94.0%€46k▲ 873%
Net result€35k-€49k▲ 39.1%€49k=€-4k€24k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 873% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €587k
Fixed assets
€36k▼ 7.9%
Current assets
€551k▲ 4.9%
Equity and liabilities €587k
Equity
€355k▲ 9.8%
Debt
€233k▼ 3.6%
The debt ratio falls from 42.8% to 39.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▲
2023 · €8k
Cash flow
€27k▲
2023 · €-1k
Solvency
60.4%▲
2023 · 57.2%
Current ratio
2.37▲
2023 · 2.18
Quick ratio
2.37▲
2023 · 2.18
Debt / equity
0.66▼
2023 · 0.75
ROE
6.7%▲
2023 · -1.3%
ROA
4.0%▲
2023 · -0.7%
Interest coverage
13.68▲
2023 · 0.85
Debt
€233k▼
2023 · €241k
Debt ≤ 1 year
€233k▼
2023 · €241k
Income taxes
€19k
Staff costs
€130k▼
2023 · €150k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€564k€587k▲
Fixed assets21/28€39k€36k▼
Intangible fixed assets21€9k€6k▼
Financial fixed assets28€30k€30k=
Current assets29/58€525k€551k▲
Amounts receivable within one year40/41€498k€498k▼
Trade receivables40€498k€494k▼
Other amounts receivable41-€4k
Cash at bank and in hand54/58€27k€53k▲
Deferred charges and accrued income490/1-€212
Equity and liabilities
Total equity and liabilities10/49€564k€587k▲
Equity10/15€323k€355k▲
Contributions10/11€6k€6k=
Reserves13€321k€348k▲
Tax-exempt reserves132€246€246=
Distributable reserves133€321k€348k▲
Profit (loss) carried forward14€-4k-
Amounts payable17/49€241k€233k▼
Amounts payable within one year42/48€241k€233k▼
Current portion of amounts payable after more than one year42€10k€20k▲
Financial debts43€17k-
Other loans439€17k-
Trade debts44€136k€111k▼
Suppliers440/4€136k€111k▼
Taxes, remuneration and social security45€46k€70k▲
Taxes450/3€21k€53k▲
Remuneration and social security454/9€25k€17k▼
Other amounts payable47/48€33k€32k▼
Income statement
Code20232024
Remuneration, social security and pensions62€150k€130k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€46k€18k▼
Gross operating margin9900€204k€198k▼
Operating profit (loss)9901€5k€46k▲
Financial income75/76B€232€44▼
Recurring financial income75€232€44▼
Financial charges65/66B€9k€4k▼
Recurring financial charges65€9k€4k▼
Profit (loss) for the period before taxes9903€-4k€43k▲
Income taxes67/77-€19k
Profit (loss) for the period9904€-4k€24k▲
Profit (loss) for the period to be appropriated9905€-4k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€24k▲
Transfer to equity691/2-€24k
To other reserves6921-€24k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 379 days late
2025
20-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 293 days late
2024
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
2023
31-12
Financial
Weakest financial yearnet €-4k ▼109%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
13-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 105 days late
17-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 413 days late
2021
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 152 days late
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 152 days late
2019
31-12
Financial
Equity above €200kEq €216k ▲25.9%
2 profitable years in a row build equity to €216k.
18-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 140 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
14-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 287 days late
2016
19-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, La Louvière · 2 establishment units since 2011
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.
Place Mattéotti(L.L) 117100 La LouvièreGround area
309 m²
Building footprint
250 m²
Volume, LiDAR
4,280 m³
2 parcels, Wallonia · tallest building 24.0 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
Ficomex
since 20112.204.612.931
Ficomex
since 20122.282.516.106
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55373B0029/00W038 | Wallonia | 168 m² | 1 · 161 m² | 24.0 m · 7 fl. |
| 52393B0248/00Y005 | Wallonia | 142 m² | 1 · 90 m² | 12.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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 12,173 companies in sector 69201 we hold annual accounts for 7,637. 5,900 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2011
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@ficomex.be