Summary
BISCONTI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €48,664 and a net result of €2,016. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 89% of 8094 sector peers (fiscal year 2025). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
41 d early
2023
58 d early
2022
40 d early
2021
64 d early
2020
47 d early
2019
49 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 51 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 4 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#8 oldest company in Walloon Brabant, Financial services sector
Equity
€48,664▲ 4.3%
2024 · €46,648
Net result
€2,016▲ 2,068%
2024 · €93
Total assets
€53,389▲ 0.3%
2024 · €53,249
Solvency
91.1%▲ 3.5pp
2024 · 87.6%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€10,348▲ 14.5%€8,733▼ 15.6%€2,593▼ 70.3%€138▼ 94.7%€2,061▲ 1,393%
Net result€10,308within the sector's middle half▲ 14.2%€8,692within the sector's middle half▼ 15.7%€2,546below the sector's middle half▼ 70.7%€93below the sector's middle half▼ 96.3%€2,016below the sector's middle half▲ 2,068%
Equity€35,317below the sector's middle half▲ 41.2%€44,009within the sector's middle half▲ 24.6%€46,555within the sector's middle half▲ 5.8%€46,648within the sector's middle half▲ 0.2%€48,664within the sector's middle half▲ 4.3%
Total assets€75,095below the sector's middle half▲ 15.9%€54,653below the sector's middle half▼ 27.2%€53,956below the sector's middle half▼ 1.3%€53,249below the sector's middle half▼ 1.3%€53,389below the sector's middle half▲ 0.3%
Debt€39,778=€10,644▼ 73.2%€7,401▼ 30.5%€6,601▼ 10.8%€4,725▼ 28.4%
Working capital€10,075within the sector's middle half€20,471within the sector's middle half▲ 103%€24,721within the sector's middle half▲ 20.8%€26,518within the sector's middle half▲ 7.3%€26,849within the sector's middle half▲ 1.2%
Solvency47.0%within the sector's middle half▲ 8.4pp80.5%above the sector's middle half▲ 33.5pp86.3%above the sector's middle half▲ 5.8pp87.6%above the sector's middle half▲ 1.3pp91.1%above the sector's middle half▲ 3.5pp
Current ratio1.25within the sector's middle half▲ 0.302.92within the sector's middle half▲ 1.674.34above the sector's middle half▲ 1.425.02above the sector's middle half▲ 0.686.68above the sector's middle half▲ 1.67
Return on assets (ROA)13.7%within the sector's middle half▼ 0.2pp15.9%within the sector's middle half▲ 2.2pp4.7%within the sector's middle half▼ 11.2pp0.2%below the sector's middle half▼ 4.5pp3.8%within the sector's middle half▲ 3.6pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,393% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53,389
Fixed assets
€21,815 ▲ 8.4%
Current assets
€31,574 ▼ 4.7%
Equity and liabilities €53,389
Equity
€48,664 ▲ 4.3%
Debt
€4,725 ▼ 28.4%
Debt's share of the balance-sheet total falls from 12.4% to 8.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.1%▲
2024 · 0.2%
Debt ≤ 1 year
€4,725▼
2024 · €6,601
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,704 | €1,704 | €1,704 | €1,704 | €2,551 | ▲ 49.7% |
| Other operating charges640/8 | €514 | €308 | €287 | €613 | €347 | ▼ 43.4% |
| Gross operating margin9900 | €12,566 | €10,745 | €4,584 | €2,455 | €4,959 | ▲ 102% |
| Operating profit (loss)9901 | €10,348 | €8,733 | €2,593 | €138 | €2,061 | ▲ 1,393% |
| Financial charges65/66B | €40 | €41 | €47 | €45 | €45 | = |
| Recurring financial charges65 | €40 | €41 | €47 | €45 | €45 | = |
| Profit (loss) for the period before taxes9903 | €10,308 | €8,692 | €2,546 | €93 | €2,016 | ▲ 2,068% |
| Profit (loss) for the period9904 | €10,308 | €8,692 | €2,546 | €93 | €2,016 | ▲ 2,068% |
| Profit (loss) for the period to be appropriated9905 | €10,308 | €8,692 | €2,546 | €93 | €2,016 | ▲ 2,068% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €75,095 | €54,653 | €53,956 | €53,249 | €53,389 | ▲ 0.3% |
| Fixed assets21/28 | €25,242 | €23,538 | €21,834 | €20,130 | €21,815 | ▲ 8.4% |
| Tangible fixed assets22/27 | €25,197 | €23,493 | €21,789 | €20,085 | €21,770 | ▲ 8.4% |
| Land and buildings22 | €25,197 | €23,493 | €21,789 | €20,085 | €21,770 | ▲ 8.4% |
| Financial fixed assets28 | €45 | €45 | €45 | €45 | €45 | = |
| Current assets29/58 | €49,853 | €31,115 | €32,122 | €33,119 | €31,574 | ▼ 4.7% |
| Amounts receivable within one year40/41 | €38 | €38 | €27,753 | €25,254 | €25,253 | = |
| Other amounts receivable41 | €38 | €38 | €27,753 | €25,254 | €25,253 | = |
| Cash at bank and in hand54/58 | €49,815 | €31,077 | €4,369 | €7,865 | €6,321 | ▼ 19.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €75,095 | €54,653 | €53,956 | €53,249 | €53,389 | ▲ 0.3% |
| Equity10/15 | €35,317 | €44,009 | €46,555 | €46,648 | €48,664 | ▲ 4.3% |
| Contributions10/11 | €102,850 | €102,850 | €102,850 | €102,850 | €102,850 | = |
| Capital10 | €102,850 | €102,850 | €102,850 | €102,850 | €102,850 | = |
| Issued capital100 | €102,850 | €102,850 | €102,850 | €102,850 | €102,850 | = |
| Reserves13 | €26 | €26 | €26 | €26 | €26 | = |
| Distributable reserves133 | €26 | €26 | €26 | €26 | €26 | = |
| Profit (loss) carried forward14 | -€67,559 | -€58,867 | -€56,321 | -€56,228 | -€54,212 | ▲ 3.6% |
| Amounts payable17/49 | €39,778 | €10,644 | €7,401 | €6,601 | €4,725 | ▼ 28.4% |
| Amounts payable within one year42/48 | €39,778 | €10,644 | €7,401 | €6,601 | €4,725 | ▼ 28.4% |
| Trade debts44 | €0 | - | - | - | - | - |
| Other amounts payable47/48 | €39,778 | €10,644 | €7,401 | €6,601 | €4,725 | ▼ 28.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,308 | €8,692 | €2,546 | €93 | €2,016 | ▲ 2,068% |
| + Depreciation and write-downs630 | €1,704 | €1,704 | €1,704 | €1,704 | €2,551 | ▲ 49.7% |
| Operating cash flow (approximation) | €12,012 | €10,396 | €4,250 | €1,797 | €4,567 | ▲ 154% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€4,236 | - |
| Change in cash | - | -€18,738 | -€26,708 | €3,496 | -€1,544 | ▼ 144% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €93 ▼96.3%
Net result drops to €93, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 2.92
Current ratio from 1.25 to 2.92; short-term debt falls from €39,778 to €10,644.
28-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €10,308 ▲14.2%
Operating result €10,348, net result €10,308, both a record.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Court-Saint-Etienne · 1 establishment unit since 1987
Ground area
2,227 m²
Building footprint
198 m²
Volume, LiDAR
1,611 m³
2 parcels, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Avenue de Wisterzée 23, 1490 Court-Saint-Etienne
since 19872.030.206.238
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25023F0584/00K000 | Wallonia | 2,136 m² | 1 · 137 m² | 10.4 m · 3 fl. |
| 25023H0292/00Z004 | Wallonia | 92 m² | 1 · 60 m² | 10.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 61 companies in sector 64921 we hold annual accounts for 40. 14 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded28-08-1987
Fiscal year end31-12
Activities, NACEBEL 2025
64921Financial service activities, except insurance and pension funding
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0431753532
Also
9925:BE0431753532
Registered
04-02-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.