CAFISCOM
ActiveSummary
CAFISCOM has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €44k and a net result of €10k. Equity is growing by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 33% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability81▼-19
Solvency67▼-33
Growth76=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 3.94 in 2023; short-term debt: 45% and cash: 39.9% of total assets), but 57.9% of the assets are financed with debt.
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Signals
Five 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
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
42.1%
Return on assets
9.6%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
42 d early
2022
42 d early
2021
2 d early
2020
31 d early
2019
35 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€79k▲ 5.2%
2019 · €75k
EBIT margin
15.5%▲ 7.4pp
2019 · 8.1%
Net result
€10k▼ 62.2%
2023 · €26k
Working capital
€26k▼ 66.5%
2023 · €77k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€79k▲ 5.2%
Operating result€12k▲ 100%€17k▲ 42.8%€22k▲ 25.5%€35k▲ 60.5%€15k▼ 56.2%
Net result€9k▲ 111%€13k▲ 49.0%€16k▲ 25.1%€26k▲ 61.9%€10k▼ 62.2%
EBIT margin15.5%▲ 7.4pp
Equity€53k▲ 20.0%€51k▼ 3.7%€67k▲ 32.3%€79k▲ 17.1%€44k▼ 43.9%
Total assets€70k▲ 10.6%€82k▲ 17.8%€81k▼ 1.4%€105k▲ 30.0%€105k▼ 0.3%
Debt€17k▼ 11.1%€31k▲ 84.4%€14k▼ 56.1%€26k▲ 93.1%€61k▲ 129%
Working capital€50k▲ 22.9%€48k▼ 4.8%€66k▲ 36.5%€77k▲ 18.0%€26k▼ 66.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 56% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €105k
Fixed assets
€32k ▲ 2,339%
Current assets
€73k ▼ 29.6%
Equity and liabilities €105k
Equity
€44k ▼ 43.9%
Debt
€61k ▲ 129%
Debt's share of the balance-sheet total rises from 25.2% to 57.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€24k▼
2023 · €36k
Cash flow
€18k▼
2023 · €27k
Current ratio
1.55▼
2023 · 3.94
Debt to equity
1.38▲
2023 · 0.34
ROE
22.7%▼
2023 · 33.7%
ROA
9.6%▼
2023 · 25.2%
Interest coverage
19.94▼
2023 · 74.54
Debt ≤ 1 year
€47k▲
2023 · €26k
Debt > 1 year
€13k
Income taxes
€5k▼
2023 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €79k | - | - | - | - | - |
| Non-recurring operating income76A | - | - | - | - | €8k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €4k | €5k | €745 | €8k | ▲ 991% |
| Other operating charges640/8 | - | €348 | €348 | €384 | €387 | ▲ 0.8% |
| Gross operating margin9900 | €17k | €22k | €27k | €36k | €24k | ▼ 34.1% |
| Operating profit (loss)9901 | €12k | €17k | €22k | €35k | €15k | ▼ 56.2% |
| Financial income75/76B | - | - | - | €109 | €290 | ▲ 166% |
| Recurring financial income75 | - | - | - | €109 | €290 | ▲ 166% |
| Financial charges65/66B | - | €187 | €384 | €483 | €1k | ▲ 145% |
| Recurring financial charges65 | €264 | €187 | €384 | €483 | €1k | ▲ 145% |
| Profit (loss) for the period before taxes9903 | €12k | €17k | €22k | €35k | €15k | ▼ 58.3% |
| Income taxes67/77 | €3k | €4k | €5k | €8k | €5k | ▼ 46.0% |
| Profit (loss) for the period9904 | €9k | €13k | €16k | €26k | €10k | ▼ 62.2% |
| Profit (loss) for the period to be appropriated9905 | €9k | €13k | €16k | €26k | €10k | ▼ 62.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €70k | €82k | €81k | €105k | €105k | ▼ 0.3% |
| Formation expenses20 | - | - | - | €0 | €0 | - |
| Fixed assets21/28 | €8k | €5k | €1k | €1k | €32k | ▲ 2,339% |
| Tangible fixed assets22/27 | €8k | €5k | €1k | €1k | €32k | ▲ 2,579% |
| Furniture and vehicles24 | - | €5k | €1k | €1k | €32k | ▲ 2,579% |
| Financial fixed assets28 | €117 | €117 | €117 | €117 | - | - |
| Current assets29/58 | €61k | €77k | €79k | €104k | €73k | ▼ 29.6% |
| Amounts receivable within one year40/41 | €20k | €14k | €17k | €29k | €25k | ▼ 14.4% |
| Trade receivables40 | - | €11k | €16k | €27k | €19k | ▼ 29.0% |
| Other amounts receivable41 | - | €3k | €1k | €2k | €6k | ▲ 194% |
| Cash at bank and in hand54/58 | €39k | €60k | €62k | €74k | €42k | ▼ 43.8% |
| Deferred charges and accrued income490/1 | - | €3k | €654 | €671 | €7k | ▲ 887% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €70k | €82k | €81k | €105k | €105k | ▼ 0.3% |
| Equity10/15 | €53k | €51k | €67k | €79k | €44k | ▼ 43.9% |
| Contributions10/11 | - | €12k | €12k | €14k | €5k | ▼ 64.9% |
| Reserves13 | €2k | €2k | €2k | €10k | €20k | ▲ 100% |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | - | - | - |
| Distributable reserves133 | - | - | - | €10k | €20k | ▲ 100% |
| Profit (loss) carried forward14 | €38k | €36k | €53k | €54k | €19k | ▼ 64.9% |
| Amounts payable17/49 | €17k | €31k | €14k | €26k | €61k | ▲ 129% |
| Amounts payable after more than one year17 | €6k | €3k | - | - | €13k | - |
| Financial debts170/4 | - | €3k | - | - | €13k | - |
| Amounts payable within one year42/48 | €11k | €29k | €14k | €26k | €47k | ▲ 78.8% |
| Current portion of amounts payable after more than one year42 | - | €5k | €4k | €3k | €9k | ▲ 236% |
| Trade debts44 | €3k | €341 | €292 | €358 | €7k | ▲ 1,738% |
| Suppliers440/4 | - | €341 | €292 | €358 | €7k | ▲ 1,738% |
| Taxes, remuneration and social security45 | - | €8k | €9k | €8k | €7k | ▼ 15.2% |
| Taxes450/3 | - | €5k | €6k | €7k | €5k | ▼ 27.9% |
| Remuneration and social security454/9 | - | €3k | €3k | €1k | €2k | ▲ 76.0% |
| Other amounts payable47/48 | - | €15k | - | €15k | €25k | ▲ 64.8% |
| Accrued charges and deferred income492/3 | - | - | - | €151 | €74 | ▼ 50.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9k | €13k | €16k | €26k | €10k | ▼ 62.2% |
| + Depreciation and write-downs630 | €4k | €4k | €5k | €745 | €8k | ▲ 991% |
| Operating cash flow (approximation) | €13k | €17k | €21k | €27k | €18k | ▼ 33.4% |
| Investment in fixed assets (approximation) | - | €-1k | €-738 | €-578 | €-38k | ▼ 6,562% |
| Change in cash | - | €21k | €2k | €13k | €-33k | ▼ 356% |
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
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €26k ▲61.9%
Operating result €35k, net result €26k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 5.78
Current ratio from 2.69 to 5.78; short-term debt falls from €29k to €14k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 5.46
Current ratio from 2.35 to 5.46; short-term debt falls from €26k to €9k.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-05
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Brussel · 1 establishment unit since 2012
Ground area
437 m²
Building footprint
89 m²
Volume, LiDAR
631 m³
Parcel 21819C0154/00C002, Brussels · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CAFISCOM
since 20122.206.801.072
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21819C0154/00C002 | Brussels | 436 m² | 1 · 89 m² | 10.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,758 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-01-2012
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
82100Office administrative and support services
Scores and ratios are computed by Checked and are not a credit decision.