DUOFISK
ActiveDUOFISK has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €422k and a net result of €77k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 60% of 12627 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.86 against 4.15 in 2024), and 33.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.3%
Return on assets
12%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
27 d late
2023
9 d late
2022
9 d late
2021
29 d late
2020
27 d late
2019
7 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€422k▼ 5.2%
2024 · €446k
2018: €326k
2019: €394k
2020: €369k
2021: €306k
2022: €313k
2023: €352k
2024: €446k
2018 → 2025
Total assets
€638k▲ 9.1%
2024 · €585k
2018: €530k
2019: €594k
2020: €576k
2021: €487k
2022: €513k
2023: €556k
2024: €585k
2018 → 2025
Net result
€77k▼ 18.2%
2024 · €94k
2018: €47k
2019: €68k
2020: €65k
2021: €92k
2022: €107k
2023: €89k
2024: €94k
2018 → 2025
Working capital
€401k▼ 8.3%
2024 · €437k
2018: €331k
2019: €382k
2020: €359k
2021: €272k
2022: €288k
2023: €337k
2024: €437k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€306k-€313k▲ 2.1%€352k▲ 12.6%€446k▲ 26.7%€422k▼ 5.2%
Operating result€129k-€142k▲ 9.9%€124k▼ 12.6%€147k▲ 17.9%€116k▼ 20.6%
Net result€92k-€107k▲ 15.8%€89k▼ 16.2%€94k▲ 5.1%€77k▼ 18.2%
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 2025; 2025 is 21% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €638k
Fixed assets
€22k▲ 148%
Current assets
€616k▲ 7.0%
Equity and liabilities €638k
Equity
€422k▼ 5.2%
Debt
€215k▲ 55.0%
The debt ratio rises from 23.8% to 33.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€123k▼
2024 · €153k
Cash flow
€84k▼
2024 · €100k
Solvency
66.3%▼
2024 · 76.2%
Current ratio
2.86▼
2024 · 4.15
Quick ratio
2.86▼
2024 · 4.15
Debt / equity
0.51▲
2024 · 0.31
ROE
18.2%▼
2024 · 21.0%
ROA
12.0%▼
2024 · 16.0%
Interest coverage
46.29▲
2024 · 36.98
Debt
€215k▲
2024 · €139k
Debt ≤ 1 year
€215k▲
2024 · €139k
Income taxes
€38k▼
2024 · €50k
Staff costs
€78k▲
2024 · €54k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€585k€638k▲
Fixed assets21/28€9k€22k▲
Tangible fixed assets22/27€9k€22k▲
Furniture and vehicles24€9k€22k▲
Financial fixed assets28€100€100=
Current assets29/58€576k€616k▲
Amounts receivable within one year40/41€238k€218k▼
Trade receivables40€187k€192k▲
Other amounts receivable41€51k€26k▼
Current investments50/53€50k€95k▲
Cash at bank and in hand54/58€287k€297k▲
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€585k€638k▲
Equity10/15€446k€422k▼
Contributions10/11€20k€20k=
Reserves13€426k€402k▼
Distributable reserves133€426k€402k▼
Amounts payable17/49€139k€215k▲
Amounts payable within one year42/48€139k€215k▲
Trade debts44€28k€68k▲
Suppliers440/4€28k€68k▲
Taxes, remuneration and social security45€80k€109k▲
Taxes450/3€73k€98k▲
Remuneration and social security454/9€7k€11k▲
Other amounts payable47/48€31k€39k▲
Income statement
Code20242025
Remuneration, social security and pensions62€54k€78k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€209k€202k▼
Operating profit (loss)9901€147k€116k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€144k€115k▼
Income taxes67/77€50k€38k▼
Profit (loss) for the period9904€94k€77k▼
Profit (loss) for the period to be appropriated9905€94k€77k▼
Appropriation of the result
Profit (loss) to be appropriated9906€94k€77k▼
Transfer from equity791/2-€336k
Transfer to equity691/2€94k€312k▲
To other reserves6921€94k€312k▲
Profit to be distributed694/7-€100k
Return on contributions (dividend)694-€100k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
24-08
State Gazette act
General meeting · Purpose change
Statutes amendment · Power of attorney
24-03
State Gazette act
Incorporation · Founder
Founding capital · Corporate purpose
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-12
Financial
Highest result since 2018net €107k ▲15.8%
Net result €107k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mechelen · 1 establishment unit since 2008
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.
Korenmarkt 302800 MechelenGround area
417 m²
Building footprint
75 m²
Volume, LiDAR
677 m³
Parcel 12025E0771/00V000, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DUOFISK
since 20082.174.969.830
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025E0771/00V000 | Flanders | 417 m² | 1 · 75 m² | 12.4 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,792 EUR awarded · 2,567 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 675 EUR | 675 EUR |
| 2024 | 1 | 672 EUR | 672 EUR |
| 2023 | 1 | 1,121 EUR | 896 EUR |
| 2022 | 1 | 324 EUR | 324 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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FIBEPA
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ACCION
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Antwerpen · Eq €422k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 5,676 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-1985
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.