BELGOFISC
ActiveBELGOFISC has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €83k and a net result of €-3k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 62% of 15372 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
70
/ 100
Healthy▼ -16 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-17
Solvency100=
Growth68=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 6.72 against 6.15 in 2023), and 31% 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+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
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
69%
Return on assets
-2.4%
Age of the figures
20 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-11-2025, 110 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
110 d late
2023
184 d late
2022
122 d late
2021
81 d late
2020
92 d late
2019
277 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€250k▲ 33.4%
2018 · €187k
2018: €187k
2018 → 2022
EBIT margin
4.5%▼ 1.6pp
2018 · 6.2%
2018: 6.2%
2018 → 2022
Net result
€-3k
2023 · €3k
2018: €11k
2019: €14k
2020: €7k
2021: €8k
2022: €12k
2023: €3k
2018 → 2024
Working capital
€87k▲ 0.1%
2023 · €87k
2018: €34k
2019: €49k
2020: €60k
2021: €69k
2022: €82k
2023: €87k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€250k
Equity€63k-€71k▲ 12.6%€83k▲ 17.0%€86k▲ 3.4%€83k▼ 3.3%
Operating result€9k-€13k▲ 42.7%€11k▼ 15.4%€6k▼ 45.6%€-241
Net result€7k-€8k▲ 9.2%€12k▲ 52.2%€3k▼ 76.4%€-3k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €241 after €6k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €120k
Fixed assets
€18k▼ 28.1%
Current assets
€102k▼ 1.5%
Equity and liabilities €120k
Equity
€83k▼ 3.3%
Debt
€37k▼ 13.1%
The debt ratio falls from 33.3% to 31.0%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€8k▼
2023 · €14k
Cash flow
€5k▼
2023 · €11k
Solvency
69.0%▲
2023 · 66.7%
Current ratio
6.72▲
2023 · 6.15
Quick ratio
6.60▲
2023 · 6.04
Debt / equity
0.45▼
2023 · 0.50
ROE
-3.4%▼
2023 · 3.3%
ROA
-2.4%▼
2023 · 2.2%
Interest coverage
4.67▲
2023 · 3.81
Debt
€37k▼
2023 · €43k
Debt ≤ 1 year
€15k▼
2023 · €17k
Debt > 1 year
€22k▼
2023 · €26k
Income taxes
€930
Staff costs
€52k▲
2023 · €47k
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€129k€120k▼
Fixed assets21/28€25k€18k▼
Tangible fixed assets22/27€24k€17k▼
Furniture and vehicles24€24k€17k▼
Financial fixed assets28€575€575=
Current assets29/58€104k€102k▼
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€101k€99k▼
Trade receivables40€90k€99k▲
Other amounts receivable41€11k-
Cash at bank and in hand54/58€901€1k▲
Equity and liabilities
Total equity and liabilities10/49€129k€120k▼
Equity10/15€86k€83k▼
Contributions10/11€19k€20k▲
Reserves13€1k-
Non-distributable reserves130/1€1k-
Reserves not available under the articles1311€1k-
Profit (loss) carried forward14€66k€63k▼
Amounts payable17/49€43k€37k▼
Amounts payable after more than one year17€26k€22k▼
Financial debts170/4€26k€22k▼
Amounts payable within one year42/48€17k€15k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Financial debts43€1k€5k▲
Credit institutions430/8€1k€5k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€8k€4k▼
Taxes450/3€6k€2k▼
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48-€148
Income statement
Code20232024
Remuneration, social security and pensions62€47k€52k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k=
Other operating charges640/8€10k€874▼
Gross operating margin9900€71k€61k▼
Operating profit (loss)9901€6k€-241▼
Financial income75/76B€434€0▼
Recurring financial income75€434€0▼
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€3k€-2k▼
Income taxes67/77-€930
Profit (loss) for the period9904€3k€-3k▼
Profit (loss) for the period to be appropriated9905€3k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€63k▼
Profit (loss) brought forward from the previous period14P€63k€66k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
20-03
State Gazette act
Incorporation · Founder
Founding capital · Bank account
2025
18-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 110 days late
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 184 days late
2024
31-12
Financial
Weakest financial yearnet €-3k ▼199%
Net result drops to €-3k, the lowest in the series.
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 122 days late
2022
20-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 81 days late
2021
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 92 days late
04-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 277 days late
2019
31-12
Financial
Highest result since 2018net €14k ▲28.9%
Operating result €15k, net result €14k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.99
Current ratio from 1.83 to 3.99; short-term debt falls from €41k to €17k.
20-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 112 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 92 days late
24-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 267 days late
24-04
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 632 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
TADIR Jaâfar
CurrentDirector · since 29-08-2024
29-08-2024
Appointed as Director
Location & real-estate footprint
Registered office, Schaarbeek · 2 establishment units since 2004
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.
Clayslaan 1091030 SchaarbeekGround area
246 m²
Building footprint
154 m²
Volume, LiDAR
2,280 m³
2 parcels, Brussels, Wallonia · tallest building 19.0 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
BELGOFISC
since 20042.219.512.131
BELGOFISC
since 20042.219.523.613
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62816D0153/00M000 | Wallonia | 126 m² | 1 · 60 m² | 19.0 m · 6 fl. |
| 21906D0066/00M006 | Brussels | 120 m² | 1 · 93 m² | 15.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
EK-CONSULTING
BE 0524.741.591
Tubize · Eq €83k
VM COMPTA
BE 0732.649.710
Saint-Ghislain · Eq €83k
COFIDACC
BE 0430.665.944
Lint · Eq €83k
Arnaud Wiertz
BE 0765.853.503
Baelen · Eq €83k
K2 Accountancy
BE 1020.326.667
Kortrijk · Eq €83k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,599. 6,358 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2004
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.