FISCO FAC
ActiveSummary
FISCO FAC has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency53▼-47
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 9.55 in 2024; short-term debt: 71.6% and cash: 11.1% of total assets), and 71.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
28.4%
Return on assets
17.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-04-2026, 116 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
116 d early
2024
52 d early
2023
46 d early
2022
39 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▼ 59.9%
2024 · €71k
2022: €14k
2023: €40k
2024: €71k
2022 → 2025
Total assets
€100k▲ 26.9%
2024 · €79k
2022: €53k
2023: €55k
2024: €79k
2022 → 2025
Net result
€18k▼ 41.3%
2024 · €30k
2022: €12k
2023: €26k
2024: €30k
2022 → 2025
Working capital
€26k▼ 62.8%
2024 · €70k
2022: €-9k
2023: €40k
2024: €70k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€14k-€40k▲ 189%€71k▲ 75.2%€28k▼ 59.9%
Operating result€17k-€38k▲ 125%€39k▲ 1.5%€23k▼ 40.9%
Net result€12k-€26k▲ 120%€30k▲ 15.0%€18k▼ 41.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€2k ▲ 250%
Current assets
€98k ▲ 25.0%
Equity and liabilities €100k
Equity
€28k ▼ 59.9%
Debt
€72k ▲ 775%
Debt's share of the balance-sheet total rises from 10.4% to 71.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€23k▼
2024 · €39k
Cash flow
€18k▼
2024 · €31k
Current ratio
1.36▼
2024 · 9.55
Debt to equity
2.53▲
2024 · 0.12
ROE
62.7%▲
2024 · 42.9%
ROA
17.8%▼
2024 · 38.5%
Interest coverage
194.76▲
2024 · 175.60
Debt ≤ 1 year
€72k▲
2024 · €8k
Income taxes
€5k▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€79k€100k▲
Fixed assets21/28€661€2k▲
Tangible fixed assets22/27€661€2k▲
Furniture and vehicles24€661€2k▲
Current assets29/58€78k€98k▲
Amounts receivable within one year40/41€11k€15k▲
Trade receivables40€11k€13k▲
Other amounts receivable41-€1k
Current investments50/53€39k€69k▲
Cash at bank and in hand54/58€29k€11k▼
Deferred charges and accrued income490/1€78€3k▲
Equity and liabilities
Total equity and liabilities10/49€79k€100k▲
Equity10/15€71k€28k▼
Contributions10/11€2k€2k=
Reserves13€38k€26k▼
Distributable reserves133€38k€26k▼
Profit (loss) carried forward14€30k-
Amounts payable17/49€8k€72k▲
Amounts payable within one year42/48€8k€72k▲
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€6k€5k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48-€61k
Accrued charges and deferred income492/3-€5
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€615€403▼
Other operating charges640/8€387€400▲
Non-recurring operating charges66A-€64
Gross operating margin9900€40k€24k▼
Operating profit (loss)9901€39k€23k▼
Financial income75/76B€149€308▲
Recurring financial income75€149€308▲
Financial charges65/66B€225€120▼
Recurring financial charges65€225€120▼
Profit (loss) for the period before taxes9903€39k€23k▼
Income taxes67/77€8k€5k▼
Profit (loss) for the period9904€30k€18k▼
Profit (loss) for the period to be appropriated9905€30k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€48k▲
Profit (loss) brought forward from the previous period14P-€30k
Transfer from equity791/2-€12k
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
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
Next filing, fiscal year 2026, expected by
2026
06-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €30k ▲15%
Operating result €39k, net result €30k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 9.55
Current ratio from 3.80 to 9.55; short-term debt falls from €14k to €8k.
15-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 5current ratio 3.80
Current ratio from 0.77 to 3.80; short-term debt falls from €38k to €14k.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Sombreffe · 1 establishment unit since 2022
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.
Chaussée Romaine 295140 SombreffeGround area
1,046 m²
Building footprint
122 m²
Parcel 92114C0063/00A002, Wallonia. Linked by address, not a title deed.
1 establishment unit
FISCO FAC
since 20222.332.372.819
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92114C0063/00A002 | Wallonia | 1,046 m² | 1 · 122 m² | - |
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.
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PROFISCA
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Fideros
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TINE DE GRYZE
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,061 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2022
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.