Equity
€67,476 ▲ 36.1%
FiscaCoach has made a profit in every financial year since 2019.
FiscaCoach
Lifetime
7 annual accounts with figures on one time axispeak €599,863 (2025)
€599,863▲ 6.8%
peak €260,562 (2024)
€246,726▼ 5.3%
peak €67,476 (2025)
€67,476▲ 36.1%
€433,914▲ 10.9%
peak 5.7 FTE (2023)
-not published
Board2 names since 2021
2 directorsCARTENSTAT ACCOUNTANCY and 1 other
Documentsfilings and deeds
22-12-202540 days before the deadline
2025micro format
Equity from €49,585 to €67,476Investments €30,935
Key points
from the 2025 annual accountsDebts
€433,914 87% of the balance sheet
Financial debts 7%Suppliers 17%Taxes and wages 18%Other 58%
Of this, €407,763 falls due within a year.
Investments
€31,857 2.8 × depreciation
Green is investment, beige is depreciation.
Staff
6 employees on 30-06-2025
In 2025, 2 people joined and 1 left.
Filings
7 annual accounts since 2019
The last five annual accounts were filed 6 to 74 days before the end of the period.
Position in the sector
€246,726
Higher net result than 95% of companies in legal and accounting. Sector median €37,394 · 15,826 companies.
Checked score
93
Excellent
Financially stronger than 46% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,107 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025highest value
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: < 0.1%▼ -0.1 percentage points vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026lowest value
04-2026: < 0.1%● unchanged vs 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Equity €67,476 (13.5% of total assets)
lowers risk
Sector: Legal and accounting activities (NACE 69)
Size: total assets €501,390
Liquidity: current ratio 1.08, cash €98,901
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 18% of them on solvency, 9% on liquidity, 82% on profitability and 74% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,713 companies had the same profile as FiscaCoach has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of FiscaCoach itself is lower: < 0.1% within 12 months. It rests on far more data about FiscaCoach than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,713 companies, not a prediction for FiscaCoach. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.08 (1.03 in 2024), below the usual 1.5. Short-term debt is 81.3% and cash 19.7% of total assets. 86.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 15824 sector peers (2025).
NBB · sector comparisonPosition among 15824 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
40 days early
2024
42 days early
2023
19 days early
2022
74 days early
2021
6 days early
2020
12 days early
2019
7 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 29 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 22 December (5 of the last 5 accounts filed within 34 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end09-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0679634161
Changes of role: Cartenstat Accountancy (director) and Els Lucas Accountancy (director)
Permanent representatives: Cartenstat Stijn and Lucas Els Sylvie Sandra · “Gecertificeerd accountant; Gecertificeerd belastingadviseur; Evenals het uitoefenen van alle met deze…” (deed in Dutch) · Director discharge: Cartenstat Accountancy (manager) · General meeting of 19-11-2021 · Gazette deed
Incorporation
published on 09-08-2017 · Gazette deed
First establishment
Inakker 17, Heusden-Zolder
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FiscaCoach Heusden-Zolder | €501,390 | €599,863 | 13.5% | - |
| V V H & P Antwerp | €600,053 | €540,082 | 25.7% | 5.4 |
| FinFuture Beringen | €548,256 | €717,343 | 17.3% | 7.8 |
| TaxTeam Hasselt | €547,210 | €569,661 | 66.1% | 7.3 |
| BK plus Roeselare | €522,533 | €484,347 | 28.4% | 1.5 |
| MyFid Ixelles | €431,274 | €542,551 | 23.2% | 9.1 |
| COMPASS ACCOUNTING Nivelles | €616,218 | €702,723 | 56.3% | 9.2 |
These companies have the same main activity as FiscaCoach: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €431,000 and €616,000, founded between 2015 and 2018.
Official details
Source: KBO- Status
- Active since 07-08-2017Normal situation
- Activity
- Certified accountants and tax accountantsNACE 69201
- Joint committee
- 336Liberal professions · annual accounts 30-06-2025
- Establishment unit
- 2.266.934.3423550 Heusden-Zolder, since 07-08-2017
- Financial year end
- 30 June
- Peppol
- Reachable since 18-12-2025
Annual accounts to 30-06-2025
- ≈ €1.0mestimated
- €501,390▲ 13.7%
- Employeeson 30-06-2025
- 6▲ 20.0%
- Filing
- Filed on 22-12-2025, 40 days before the end of the filing period
Insights on FiscaCoach
FiscaCoach files the micro format. That format states no turnover. The gross margin rose from €581,455 in 2019 to €599,863 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FiscaCoach
- What is the company number of FiscaCoach?
- The company number of FiscaCoach is 0679.634.161. The VAT number is the same number with BE in front: BE 0679.634.161.
- Where is FiscaCoach based?
- The registered office is at Inakker 17, 3550 Heusden-Zolder.Company details
- What does FiscaCoach do?
- According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
- What is the legal form of FiscaCoach?
- FiscaCoach is a private limited company (BV).
- When was FiscaCoach founded?
- FiscaCoach was founded on 07-08-2017.
- Is FiscaCoach still active?
- Yes, FiscaCoach is an active enterprise in the KBO register.
- How many employees does FiscaCoach have?
- FiscaCoach had an average of 5.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does FiscaCoach fall under?
- In its 30-06-2025 annual accounts, FiscaCoach states joint committee 336 (Liberal professions).
- What is the turnover of FiscaCoach?
- The turnover in financial year 2025 is ≈ €1.0m. This figure is estimated from the gross margin of €599,863 and 34 comparable companies (NACE 69201). It probably lies between €900,000 and €1.2m.
- Is FiscaCoach profitable?
- In financial year 2025, FiscaCoach made a profit of €246,726.
- Where can I find the annual accounts of FiscaCoach?
- FiscaCoach filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FiscaCoach due?
- FiscaCoach must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
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