AComFisco
ActiveSummary
AComFisco has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €534k and a net result of €94k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 62% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+3
Solvency92▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 2.35 in 2024; short-term debt: 26.7% and cash: 60.1% of total assets), and 32.5% 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 →
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
67.5%
Return on assets
11.9%
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 24-02-2026, 157 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
157 d early
2024
140 d early
2023
90 d early
2022
95 d early
2021
158 d early
2020
30 d early
2019
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
€534k▲ 21.5%
2024 · €439k
2018: €319k
2019: €267k
2020: €281k
2021: €317k
2022: €333k
2023: €394k
2024: €439k
2018 → 2025
Total assets
€791k▲ 14.7%
2024 · €690k
2018: €433k
2019: €544k
2020: €576k
2021: €599k
2022: €598k
2023: €668k
2024: €690k
2018 → 2025
Net result
€94k▲ 44.7%
2024 · €65k
2018: €19k
2019: €24k
2020: €14k
2021: €36k
2022: €31k
2023: €79k
2024: €65k
2018 → 2025
Working capital
€371k▲ 44.1%
2024 · €258k
2018: €211k
2019: €135k
2020: €120k
2021: €163k
2022: €177k
2023: €158k
2024: €258k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€317k-€333k▲ 5.0%€394k▲ 18.5%€439k▲ 11.5%€534k▲ 21.5%
Operating result€54k-€50k▼ 8.6%€119k▲ 139%€99k▼ 16.2%€139k▲ 39.5%
Net result€36k-€31k▼ 13.3%€79k▲ 155%€65k▼ 17.3%€94k▲ 44.7%
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 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €791k
Fixed assets
€209k ▼ 13.5%
Current assets
€582k ▲ 29.9%
Equity and liabilities €791k
Equity
€534k ▲ 21.5%
Debt
€257k ▲ 2.8%
Debt's share of the balance-sheet total falls from 36.3% to 32.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€171k▲
2024 · €135k
Cash flow
€127k▲
2024 · €101k
Current ratio
2.76▲
2024 · 2.35
Debt to equity
0.48▼
2024 · 0.57
ROE
17.7%▲
2024 · 14.9%
ROA
11.9%▲
2024 · 9.5%
Interest coverage
15.10▲
2024 · 12.93
Debt ≤ 1 year
€211k▲
2024 · €191k
Debt > 1 year
€35k▼
2024 · €49k
Income taxes
€38k▲
2024 · €27k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€690k€791k▲
Fixed assets21/28€241k€209k▼
Tangible fixed assets22/27€241k€209k▼
Land and buildings22€170k€155k▼
Plant, machinery and equipment23€130€10▼
Furniture and vehicles24€71k€53k▼
Current assets29/58€448k€582k▲
Amounts receivable within one year40/41€36k€105k▲
Trade receivables40€36k€105k▲
Cash at bank and in hand54/58€410k€475k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€690k€791k▲
Equity10/15€439k€534k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€413k€506k▲
Tax-exempt reserves132€6k€6k=
Distributable reserves133€408k€500k▲
Profit (loss) carried forward14€7k€9k▲
Amounts payable17/49€250k€257k▲
Amounts payable after more than one year17€49k€35k▼
Financial debts170/4€49k€35k▼
Amounts payable within one year42/48€191k€211k▲
Current portion of amounts payable after more than one year42€19k€22k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€23k€41k▲
Taxes450/3€22k€41k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€146k€143k▼
Accrued charges and deferred income492/3€10k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€33k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-3k-
Other operating charges640/8€6k€3k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€139k€174k▲
Operating profit (loss)9901€99k€139k▲
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€10k€11k▲
Recurring financial charges65€10k€11k▲
Profit (loss) for the period before taxes9903€92k€132k▲
Income taxes67/77€27k€38k▲
Profit (loss) for the period9904€65k€94k▲
Profit (loss) for the period to be appropriated9905€65k€94k▲
Appropriation of the result
Profit (loss) to be appropriated9906€72k€102k▲
Profit (loss) brought forward from the previous period14P€7k€7k▲
Transfer from equity791/2€20k-
Transfer to equity691/2€65k€93k▲
To the legal reserve6920€65k-
To other reserves6921-€93k
Profit to be distributed694/7€20k-
Return on contributions (dividend)694€20k-
The notes to these accounts (6 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
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €94k ▲44.7%
Operating result €139k, net result €94k, both a record.
31-12
Financial
Equity above €500kEq €534k ▲21.5%
8 profitable years in a row build equity to €534k.
13-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €14k ▼41.7%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, La Bruyère · 1 establishment unit 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 de Suarlée, Rhisnes 175080 La BruyèreGround area
800 m²
Building footprint
87 m²
Parcel 92102A0092/00C002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Suarlée, Rhisnes 17, 5080 La Bruyère
since 19982.183.422.884
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92102A0092/00C002 | Wallonia | 800 m² | 1 · 87 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.
Similar companies · same sector, comparable size
DEMUYDT SYLVAIN EN PARTNERS
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FIDU9
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De Mey Matthias
BE 0758.453.787
Destelbergen · Eq €534,807
DMK BOEKHOUDING & FISCALITEIT
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Asse · Eq €534,909
Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,409 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
Founded30-12-1998
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:pierre.simon@excofis.be
Phone:081/811983
Fax:081/450968