FISCONTACT
ActiveFISCONTACT has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €354k and a net result of €9k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 49% of 12637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-62
Solvency97▲+1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.5 against 2.08 in 2024), and 44.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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
55.7%
Return on assets
1.4%
Age of the figures
8 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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
8 d early
2023
7 d early
2022
5 d early
2021
68 d early
2020
23 d late
2019
32 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€354k▲ 2.5%
2024 · €346k
2018: €134k
2019: €198k
2020: €227k
2021: €268k
2022: €300k
2023: €325k
2024: €346k
2018 → 2025
Total assets
€636k▼ 5.4%
2024 · €673k
2018: €328k
2019: €655k
2020: €591k
2021: €601k
2022: €562k
2023: €562k
2024: €673k
2018 → 2025
Net result
€9k▼ 83.0%
2024 · €51k
2018: €22k
2019: €64k
2020: €29k
2021: €69k
2022: €61k
2023: €39k
2024: €51k
2018 → 2025
Working capital
€278k▲ 26.6%
2024 · €220k
2018: €-15k
2019: €-7k
2020: €59k
2021: €138k
2022: €227k
2023: €261k
2024: €220k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€268k-€300k▲ 12.0%€325k▲ 8.3%€346k▲ 6.5%€354k▲ 2.5%
Operating result€89k-€85k▼ 4.5%€71k▼ 16.6%€65k▼ 8.5%€23k▼ 65.2%
Net result€69k-€61k▼ 12.5%€39k▼ 35.5%€51k▲ 30.8%€9k▼ 83.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 65% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €636k
Fixed assets
€173k▼ 30.5%
Current assets
€463k▲ 9.3%
Equity and liabilities €636k
Equity
€354k▲ 2.5%
Debt
€282k▼ 13.8%
The debt ratio falls from 48.6% to 44.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€112k▼
2024 · €133k
Cash flow
€98k▼
2024 · €119k
Solvency
55.7%▲
2024 · 51.4%
Current ratio
2.50▲
2024 · 2.08
Quick ratio
2.50▲
2024 · 2.08
Debt / equity
0.80▼
2024 · 0.95
ROE
2.4%▼
2024 · 14.8%
ROA
1.4%▼
2024 · 7.6%
Interest coverage
15.31▼
2024 · 29.28
Debt
€282k▼
2024 · €327k
Debt ≤ 1 year
€185k▼
2024 · €204k
Debt > 1 year
€97k▼
2024 · €123k
Income taxes
€7k▼
2024 · €10k
Staff costs
€508k▲
2024 · €452k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€673k€636k▼
Fixed assets21/28€250k€173k▼
Intangible fixed assets21€231k€157k▼
Tangible fixed assets22/27€18k€16k▼
Land and buildings22€2k€4k▲
Plant, machinery and equipment23€376-
Furniture and vehicles24€16k€12k▼
Current assets29/58€424k€463k▲
Amounts receivable within one year40/41€210k€193k▼
Trade receivables40€192k€166k▼
Other amounts receivable41€17k€27k▲
Cash at bank and in hand54/58€195k€258k▲
Deferred charges and accrued income490/1€19k€12k▼
Equity and liabilities
Total equity and liabilities10/49€673k€636k▼
Equity10/15€346k€354k▲
Reserves13€286k€286k=
Distributable reserves133€286k€286k=
Profit (loss) carried forward14€60k€68k▲
Amounts payable17/49€327k€282k▼
Amounts payable after more than one year17€123k€97k▼
Financial debts170/4€123k€97k▼
Amounts payable within one year42/48€204k€185k▼
Current portion of amounts payable after more than one year42€56k€28k▼
Trade debts44€11k€44k▲
Suppliers440/4€11k€44k▲
Taxes, remuneration and social security45€73k€113k▲
Taxes450/3€29k€36k▲
Remuneration and social security454/9€44k€76k▲
Other amounts payable47/48€63k€20▼
Income statement
Code20242025
Remuneration, social security and pensions62€452k€508k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€89k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€8k-
Other operating charges640/8€12k€5k▼
Gross operating margin9900€605k€625k▲
Operating profit (loss)9901€65k€23k▼
Financial income75/76B€251€73▼
Recurring financial income75€251€73▼
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€61k€15k▼
Income taxes67/77€10k€7k▼
Profit (loss) for the period9904€51k€9k▼
Profit (loss) for the period to be appropriated9905€51k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€60k€68k▲
Profit (loss) brought forward from the previous period14P€8k€60k▲
Transfer from equity791/2€30k-
Profit to be distributed694/7€30k-
Return on contributions (dividend)694€30k-
The notes to these accounts (10 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €9k ▼83%
Net result drops to €9k, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €69k ▲139%
Operating result €89k, net result €69k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Equity above €200kEq €227k ▲14.7%
3 profitable years in a row build equity to €227k.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 32 days late
2019
31-12
Financial
Equity above €150kEq €198k ▲47.8%
2 profitable years in a row build equity to €198k.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
18-05-2026
LOMBART Xavier: Resigned as Director
31-05-2023
Marie-Laurence Lombart: Resigned as Managing director
24-03-2014
Schrevens Julie: Resigned as Managing director
Location & real-estate footprint
Registered office, Gerpinnes · 2 establishment units since 1998
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.
Rue Amand Histace(GER) 56280 GerpinnesGround area
4,332 m²
Building footprint
1,292 m²
Volume, LiDAR
17,617 m³
2 parcels, Wallonia · tallest building 18.2 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
FISCONTACT
since 19982.085.089.729
Fiscontact
since 20192.288.238.314
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92078A0002/02G002 | Wallonia | 2,634 m² | 1 · 1,021 m² | 18.2 m · 5 fl. |
| 52025C0261/00A006 | Wallonia | 1,697 m² | 1 · 270 m² | 13.9 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 12,122 companies in sector 69201 we hold annual accounts for 7,601. 5,870 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-1997
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:ml.lombart@fiscontact.be
Phone:083220461