AP FISCO
ActiveFor AP FISCO, at least two filing cycles of the annual accounts are missing. The 2022 annual accounts show equity of €158k and a net result of €784. Equity remains stable across the filed fiscal years (±0.9% per year). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
No current score
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2022 · tick = 2021
Profitability38▼-3
Solvency76▲+16
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 2022Solvency, return and age of the figures
Solvency
50.5%
Return on assets
0.3%
Age of the figures
45 mo
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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2023 close31-07-2024 deadline19-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 29-08-2023, 29 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
not confirmed
2024
not filed
2023
not filed
2022
29 d late
2021
31 d late
2020
81 d late
2019
88 d late
← before the deadline
after the deadline →
Financials · fiscal year 2022, abbreviated schema
Equity
€158k▲ 0.5%
2021 · €157k
2018: €174k
2019: €156k
2020: €150k
2021: €157k
2018 → 2022
Total assets
€313k▼ 29.4%
2021 · €444k
2018: €876k
2019: €698k
2020: €586k
2021: €444k
2018 → 2022
Net result
€784▼ 88.9%
2021 · €7k
2018: €44k
2019: €-18k
2020: €-5k
2021: €7k
2018 → 2022
Working capital
€255k▼ 17.4%
2021 · €309k
2018: €93k
2019: €32k
2020: €19k
2021: €309k
2018 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020212022Trend
Equity€174k-€156k▼ 10.6%€150k▼ 3.3%€157k▲ 4.7%€158k▲ 0.5%
Operating result€54k-€-7k€7k€21k▲ 210%€-9k
Net result€44k-€-18k€-5k▲ 71.8%€7k€784▼ 88.9%
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 turns negative in 2022: a loss of €9k after €21k in 2021, the lowest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Equity and liabilities €313k
Equity
€158k▲ 0.5%
Debt
€155k▼ 45.8%
The debt ratio falls from 64.5% to 49.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
50.5%▲
2021 · 35.5%
Current ratio
5.38▲
2021 · 3.29
Quick ratio
5.38▲
2021 · 3.29
Debt / equity
0.98▼
2021 · 1.82
ROE
0.5%▼
2021 · 4.5%
ROA
0.3%▼
2021 · 1.6%
Debt
€155k▼
2021 · €286k
Debt ≤ 1 year
€58k▼
2021 · €135k
Debt > 1 year
€97k▼
2021 · €151k
Income taxes
€381▼
2021 · €3k
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 · 2022 against 2021
Balance sheet
Code20212022
Assets
Total assets20/58€444k€313k▼
Current assets29/58€444k€313k▼
Amounts receivable after more than one year29€285k€225k▼
Other amounts receivable291€285k€225k▼
Amounts receivable within one year40/41€143k€57k▼
Trade receivables40€12k€2k▼
Other amounts receivable41€131k€55k▼
Current investments50/53€9k€9k=
Cash at bank and in hand54/58€6k€5k▼
Deferred charges and accrued income490/1€438€17k▲
Equity and liabilities
Total equity and liabilities10/49€444k€313k▼
Equity10/15€157k€158k▲
Contributions10/11€30k€30k=
Reserves13€127k€128k▲
Non-distributable reserves130/1€25k€25k=
Reserves not available under the articles1311€25k€25k=
Distributable reserves133€102k€103k▲
Amounts payable17/49€286k€155k▼
Amounts payable after more than one year17€151k€97k▼
Financial debts170/4€151k€97k▼
Amounts payable within one year42/48€135k€58k▼
Current portion of amounts payable after more than one year42€67k€54k▼
Financial debts43€32k-
Credit institutions430/8€32k-
Trade debts44€178-
Suppliers440/4€178-
Taxes, remuneration and social security45€36k€4k▼
Taxes450/3€36k€4k▼
Income statement
Code20212022
Non-recurring operating income76A€8k-
Remuneration, social security and pensions62€141k-
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€5k-
Other operating charges640/8€579€985▲
Non-recurring operating charges66A-€5k
Gross operating margin9900€168k€-3k▼
Operating profit (loss)9901€21k€-9k▼
Financial income75/76B€1k€17k▲
Recurring financial income75€1k€17k▲
Financial charges65/66B€12k€7k▼
Recurring financial charges65€12k€7k▼
Profit (loss) for the period before taxes9903€10k€1k▼
Income taxes67/77€3k€381▼
Profit (loss) for the period9904€7k€784▼
Profit (loss) for the period to be appropriated9905€7k€784▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€784▼
Transfer to equity691/2€7k€784▼
To other reserves6921€7k€784▼
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
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 3.29
Current ratio from 1.06 to 3.29; short-term debt falls from €324k to €135k.
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 81 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 88 days late
2019
31-12
Financial
Weakest financial yearnet €-18k ▼142%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 25 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 26 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 31 days late
2014
22-08
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Diepenbeek · 1 establishment unit since 2009
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.
Nieuwstraat 863590 DiepenbeekGround area
2,751 m²
Building footprint
236 m²
Volume, LiDAR
2,627 m³
Parcel 71011I2426/00B000, Flanders · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Bizzit
since 20092.175.803.436
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71011I2426/00B000 | Flanders | 2,751 m² | 1 · 236 m² | 15.8 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.
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded20-01-2009
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.