ALL - FISC
ActiveALL - FISC has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €677k and a net result of €17k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 32% of 12637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent▲ +24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▲+13
Solvency64▲+1
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.29 in 2024), and 64% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers 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
36%
Return on assets
0.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
31 d late
2022
31 d late
2021
22 d late
2020
27 d late
2019
96 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€677k▲ 2.6%
2024 · €660k
2018: €438k
2019: €439k
2020: €437k
2021: €676k
2022: €675k
2023: €665k
2024: €660k
2018 → 2025
Total assets
€1.88M▲ 0.1%
2024 · €1.88M
2018: €1.18M
2019: €1.42M
2020: €1.57M
2021: €1.49M
2022: €1.91M
2023: €1.87M
2024: €1.88M
2018 → 2025
Net result
€17k
2024 · €-5k
2018: €2k
2019: €1k
2020: €-2k
2021: €239k
2022: €-826
2023: €-10k
2024: €-5k
2018 → 2025
Working capital
€221k▲ 1.2%
2024 · €219k
2018: €391k
2019: €402k
2020: €247k
2021: €338k
2022: €347k
2023: €253k
2024: €219k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€676k-€675k▼ 0.1%€665k▼ 1.5%€660k▼ 0.8%€677k▲ 2.6%
Operating result€323k-€10k▼ 97.1%€-70€-1k▼ 1,444%€25k
Net result€239k-€-826€-10k▼ 1,136%€-5k▲ 48.6%€17k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €25k after a loss of €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.88M
Fixed assets
€903k▼ 1.9%
Current assets
€981k▲ 2.0%
Equity and liabilities €1.88M
Equity
€677k▲ 2.6%
Provisions
€79k▼ 3.3%
Debt
€1.13M▼ 1.1%
The debt ratio falls from 60.6% to 59.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€43k
Cash flow
€35k
Solvency
36.0%▲
2024 · 35.1%
Current ratio
1.29▼
2024 · 1.29
Quick ratio
1.29▼
2024 · 1.29
Debt / equity
1.66▼
2024 · 1.73
ROE
2.6%▲
2024 · -0.8%
ROA
0.9%▲
2024 · -0.3%
Interest coverage
8.43
Debt
€1.13M▼
2024 · €1.14M
Debt ≤ 1 year
€760k▲
2024 · €743k
Debt > 1 year
€368k▼
2024 · €398k
Income taxes
€5k▲
2024 · €0
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€1.88M€1.88M▲
Fixed assets21/28€921k€903k▼
Tangible fixed assets22/27€719k€701k▼
Land and buildings22€719k€701k▼
Financial fixed assets28€202k€202k=
Current assets29/58€961k€981k▲
Amounts receivable within one year40/41€731k€734k▲
Trade receivables40€65k€65k=
Other amounts receivable41€666k€669k▲
Cash at bank and in hand54/58€230k€247k▲
Equity and liabilities
Total equity and liabilities10/49€1.88M€1.88M▲
Equity10/15€660k€677k▲
Contributions10/11€150k€150k=
Reserves13€319k€311k▼
Non-distributable reserves130/1€15k€15k=
Reserves not available under the articles1311€15k€0▼
Other1319-€15k
Tax-exempt reserves132€304k€296k▼
Profit (loss) carried forward14€191k€217k▲
Provisions and deferred taxes16€81k€79k▼
Deferred taxes168€81k€79k▼
Amounts payable17/49€1.14M€1.13M▼
Amounts payable after more than one year17€398k€368k▼
Financial debts170/4€398k€368k▼
Amounts payable within one year42/48€743k€760k▲
Current portion of amounts payable after more than one year42€29k€30k▲
Trade debts44€12k€12k▲
Suppliers440/4€12k€12k▲
Advances received on contracts in progress46€45k€45k=
Taxes, remuneration and social security45€44k€59k▲
Taxes450/3€44k€59k▲
Other amounts payable47/48€613k€613k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€18k
Other operating charges640/8€1k€1k▲
Gross operating margin9900€0€44k▲
Operating profit (loss)9901€-1k€25k▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€-5k€20k▲
Transfer from deferred taxes780€0€3k▲
Income taxes67/77€0€5k▲
Profit (loss) for the period9904€-5k€17k▲
Transfer from tax-exempt reserves789€0€8k▲
Profit (loss) for the period to be appropriated9905€-5k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€191k€217k▲
Profit (loss) brought forward from the previous period14P€196k€191k▼
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €17k
Net result €17k after 3 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 22 days late
2021
31-12
Financial
Back to profitnet €239k
Net result €239k after one loss-making year.
31-12
Financial
Equity above €500kEq €676k ▲54.8%
Equity rises from €437k to €676k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 96 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 63 days late
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Lede · 1 establishment unit since 1991
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.
Katstraat 229340 LedeGround area
1,041 m²
Building footprint
336 m²
Volume, LiDAR
3,262 m³
Parcel 41034C0054/00L002, Flanders · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ALL-FISC CV
since 19912.052.848.216
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41034C0054/00L002 | Flanders | 1,041 m² | 1 · 336 m² | 14.9 m · 4 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.
Similar companies · same sector, comparable size
AROCONSULTING
BE 0433.118.559
Liège · Eq €678k
ACTAVERA
BE 0462.742.062
Roeselare · Eq €679k
LAMOS
BE 0463.541.323
Oostende · Eq €685k
L S C, LUC SCHETS CONSULTING
BE 0430.464.323
Ternat · Eq €663k
ALIGN MEDIA
BE 0674.510.779
Etterbeek · Eq €653k
Of 2,256 companies in sector 69209 we hold annual accounts for 1,089. 682 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met onbeperkte aansprakelijkheid
Founded01-01-1991
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 35 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.