ALPHA - FISC
ActiveALPHA - FISC has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83k and a net result of €37k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 82% of 2267 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
97
/ 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
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 5.18 against 4.6 in 2024; short-term debt: 19.3% and cash: 91.7% of total assets), and 19.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 82
Relative position
BE, all sectors
reference
Sector 82
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
80.7%
Return on assets
35.9%
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
45 d early
2023
61 d early
2022
58 d early
2021
50 d early
2020
43 d early
2019
49 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€83k▲ 79.9%
2024 · €46k
2018: €20k
2019: €19k
2020: €21k
2021: €23k
2022: €24k
2023: €24k
2024: €46k
2018 → 2025
Total assets
€103k▲ 74.4%
2024 · €59k
2018: €33k
2019: €27k
2020: €35k
2021: €43k
2022: €47k
2023: €41k
2024: €59k
2018 → 2025
Net result
€37k▲ 64.5%
2024 · €22k
2018: €-4k
2019: €-746
2020: €2k
2021: €3k
2022: €859
2023: €-629
2024: €22k
2018 → 2025
Working capital
€83k▲ 79.9%
2024 · €46k
2018: €11k
2019: €15k
2020: €21k
2021: €23k
2022: €24k
2023: €24k
2024: €46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€24k▲ 3.7%€24k▼ 2.6%€46k▲ 94.5%€83k▲ 79.9%
Operating result€4k-€2k▼ 52.7%€-101€31k€54k▲ 73.9%
Net result€3k-€859▼ 70.0%€-629€22k€37k▲ 64.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 74% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €103k
Equity
€83k▲ 79.9%
Debt
€20k▲ 54.6%
The debt ratio falls from 21.8% to 19.3%. Equity and debt are higher.
Key figures and ratios
Solvency
80.7%▲
2024 · 78.2%
Current ratio
5.18▲
2024 · 4.60
Quick ratio
5.18▲
2024 · 4.60
Debt / equity
0.24▼
2024 · 0.28
ROE
44.4%▼
2024 · 48.6%
ROA
35.9%▼
2024 · 38.0%
Debt
€20k▲
2024 · €13k
Debt ≤ 1 year
€20k▲
2024 · €13k
Income taxes
€17k▲
2024 · €9k
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€59k€103k▲
Current assets29/58€59k€103k▲
Amounts receivable within one year40/41€6k€7k▲
Trade receivables40€6k€7k▲
Other amounts receivable41€130-
Cash at bank and in hand54/58€52k€94k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€59k€103k▲
Equity10/15€46k€83k▲
Contributions10/11€8k€8k=
Reserves13€38k€75k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€34k€71k▲
Amounts payable17/49€13k€20k▲
Amounts payable within one year42/48€13k€20k▲
Taxes, remuneration and social security45€6k€11k▲
Taxes450/3€6k€11k▲
Other amounts payable47/48€7k€9k▲
Income statement
Code20242025
Other operating charges640/8€1k€994▼
Gross operating margin9900€32k€55k▲
Operating profit (loss)9901€31k€54k▲
Financial income75/76B-€232
Recurring financial income75-€232
Financial charges65/66B€54€38▼
Recurring financial charges65€54€38▼
Profit (loss) for the period before taxes9903€31k€54k▲
Income taxes67/77€9k€17k▲
Profit (loss) for the period9904€22k€37k▲
Profit (loss) for the period to be appropriated9905€22k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€37k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€22k€37k▲
To other reserves6921€22k€37k▲
The notes to these accounts (5 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €37k ▲64.5%
Operating result €54k, net result €37k, both a record.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
11-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-05
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
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, Maaseik · 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.
Heppeneert 73680 MaaseikGround area
2,563 m²
Building footprint
406 m²
Volume, LiDAR
2,404 m³
Parcel 72021C0248/00H000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ALPHA-FISC
since 19982.209.163.716
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72021C0248/00H000 | Flanders | 2,563 m² | 1 · 406 m² | 9.0 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 251 EUR awarded · 251 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 72 EUR | 72 EUR |
| 2022 | 1 | 179 EUR | 179 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,219 companies in sector 82100 we hold annual accounts for 3,512. 2,596 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-10-1998
Fiscal year end31-12
Activities, NACEBEL
82100Office administrative and support services
70321
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.