FIX&LISS
ActiveThe computed 12-month bankruptcy probability of FIX&LISS is 2.0% (moderate). The 2024 annual accounts show negative equity (€-10k) and a net result of €-5k. Equity is shrinking by ~54.3% per year across the filed fiscal years. Its solvency ranks better than 8% of 15866 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
7
/ 100
Critical▼ -8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency33=
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.16 against 0.22 in 2023), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-158.3%
Return on assets
-75%
Age of the figures
20 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€10k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-09-2025, 56 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
56 d late
2023
29 d early
2022
28 d early
2021
31 d late
2020
13 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-10k▼ 90.1%
2023 · €-5k
2018: €3k
2019: €-1k
2020: €1k
2021: €314
2022: €-3k
2023: €-5k
2018 → 2024
Total assets
€6k▼ 11.2%
2023 · €7k
2018: €4k
2019: €2k
2020: €8k
2021: €10k
2022: €6k
2023: €7k
2018 → 2024
Net result
€-5k▼ 176%
2023 · €-2k
2018: €-3k
2019: €-5k
2020: €2k
2021: €-816
2022: €-4k
2023: €-2k
2018 → 2024
Working capital
€-13k▼ 43.3%
2023 · €-9k
2018: €3k
2019: €-1k
2020: €-2k
2021: €-5k
2022: €-8k
2023: €-9k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1k-€314▼ 72.2%€-3k€-5k▼ 48.4%€-10k▼ 90.1%
Operating result€2k-€-730€-4k▼ 397%€-1k▲ 59.7%€-4k▼ 203%
Net result€2k-€-816€-4k▼ 358%€-2k▲ 55.6%€-5k▼ 176%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2024 against €1k in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €6k
Fixed assets
€4k▼ 13.7%
Current assets
€2k▼ 7.2%
Key figures and ratios
EBITDA
€-4k▼
2023 · €-887
Cash flow
€-4k▼
2023 · €-1k
Solvency
-158.3%▼
2023 · -74.0%
Current ratio
0.16▼
2023 · 0.22
Quick ratio
0.16▼
2023 · 0.17
Debt / equity
-1.63▲
2023 · -2.35
ROE
47.4%▲
2023 · 32.6%
ROA
-75.0%▼
2023 · -24.1%
Interest coverage
-24.07▼
2023 · -4.46
Debt
€16k▲
2023 · €12k
Debt ≤ 1 year
€16k▲
2023 · €12k
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€7k€6k▼
Formation expenses20-€0
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€4k€4k▼
Plant, machinery and equipment23€4k€4k▼
Current assets29/58€3k€2k▼
Stocks and contracts in progress3€660€0▼
Stocks30/36€660€0▼
Amounts receivable within one year40/41€474€2k▲
Trade receivables40€270€2k▲
Other amounts receivable41€204€102▼
Cash at bank and in hand54/58€2k€321▼
Equity and liabilities
Total equity and liabilities10/49€7k€6k▼
Equity10/15€-5k€-10k▼
Contributions10/11€13k€13k=
Profit (loss) carried forward14€-18k€-23k▼
Amounts payable17/49€12k€16k▲
Amounts payable within one year42/48€12k€16k▲
Trade debts44€322€159▼
Suppliers440/4€322€159▼
Taxes, remuneration and social security45-€0
Taxes450/3-€0
Other amounts payable47/48€12k€16k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€572€572=
Other operating charges640/8-€788
Gross operating margin9900€-887€-3k▼
Operating profit (loss)9901€-1k€-4k▼
Financial charges65/66B€199€160▼
Recurring financial charges65€199€160▼
Profit (loss) for the period before taxes9903€-2k€-5k▼
Profit (loss) for the period9904€-2k€-5k▼
Profit (loss) for the period to be appropriated9905€-2k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-23k▼
Profit (loss) brought forward from the previous period14P€-17k€-18k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Châtelet · 1 establishment unit since 2016
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 de la Justice 4836200 ChâteletGround area
1,693 m²
Building footprint
186 m²
Volume, LiDAR
989 m³
Parcel 52012C0053/00G000, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Justice 483, 6200 Châtelet
since 20162.257.963.822
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52012C0053/00G000 | Wallonia | 1,693 m² | 1 · 186 m² | 8.1 m · 2 fl. |
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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Of 1,557 companies in sector 46900 we hold annual accounts for 913. 21 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2016
Fiscal year end31-12
Activities, NACEBEL
46900Non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.