EXFISCO
ActiveSummary
EXFISCO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €676,781 and a net result of €325,561. Equity is growing by ~27.9% per year across the filed fiscal years. Its solvency ranks better than 86% of 12860 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+18
Solvency100▲+20
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.89 against 0.5 in 2024; short-term debt: 12.2% and cash: 11.5% of total assets), and 12.4% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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 · 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
87.6%
Return on assets
42.1%
Age of the figures
18 mo
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 · Filed more than 90 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-04-2026, 180 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
180 d late
2024
29 d late
2023
22 d late
2022
40 d early
2021
2 d early
2020
46 d early
2019
58 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 12 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 22 November (4 of the last 5 filed years within 62 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close30-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€676,781▲ 92.7%
2024 · €351,220
Total assets
€772,893▲ 20.5%
2024 · €641,264
Net result
€325,561▲ 366%
2024 · €69,920
Working capital
€178,579
2024 · -€139,994
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, 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€158,960▲ 70.7%€110,067▼ 30.8%€178,015▲ 61.7%€47,035▼ 73.6%€386,627▲ 722%
Net result€167,833above the sector's middle half▲ 36.3%€123,122above the sector's middle half▼ 26.6%€159,196above the sector's middle half▲ 29.3%€69,920within the sector's middle half▼ 56.1%€325,561above the sector's middle half▲ 366%
Equity€198,893within the sector's middle half▲ 51.8%€222,015within the sector's middle half▲ 11.6%€281,300above the sector's middle half▲ 26.7%€351,220above the sector's middle half▲ 24.9%€676,781above the sector's middle half▲ 92.7%
Total assets€637,271above the sector's middle half▲ 12.3%€613,109above the sector's middle half▼ 3.8%€678,916above the sector's middle half▲ 10.7%€641,264above the sector's middle half▼ 5.5%€772,893above the sector's middle half▲ 20.5%
Debt€438,378▲ 0.5%€391,094▼ 10.8%€377,617▼ 3.4%€290,045▼ 23.2%€96,112▼ 66.9%
Working capital-€253,560below the sector's middle half▲ 3.3%-€282,066below the sector's middle half▼ 11.2%-€200,196below the sector's middle half▲ 29.0%-€139,994below the sector's middle half▲ 30.1%€178,579above the sector's middle half
Solvency31.2%within the sector's middle half▲ 8.1pp36.2%within the sector's middle half▲ 5.0pp41.4%within the sector's middle half▲ 5.2pp54.8%within the sector's middle half▲ 13.3pp87.6%above the sector's middle half▲ 32.8pp
Current ratio0.34below the sector's middle half▲ 0.150.28below the sector's middle half▼ 0.060.47below the sector's middle half▲ 0.190.50below the sector's middle half▲ 0.032.89within the sector's middle half▲ 2.39
Return on assets (ROA)26.3%within the sector's middle half▲ 4.6pp20.1%within the sector's middle half▼ 6.3pp23.4%within the sector's middle half▲ 3.4pp10.9%within the sector's middle half▼ 12.5pp42.1%above the sector's middle half▲ 31.2pp
Staff (FTE)1
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 722% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €772,893
Fixed assets
€500,000 =
Current assets
€272,893 ▲ 93.2%
Equity and liabilities €772,893
Equity
€676,781 ▲ 92.7%
Debt
€96,112 ▼ 66.9%
Debt's share of the balance-sheet total falls from 45.2% to 12.4%. Equity is higher and debt is lower.
Key figures and ratios
Debt to equity
0.14▼
2024 · 0.83
ROE
48.1%▲
2024 · 19.9%
Debt ≤ 1 year
€94,314▼
2024 · €281,259
Debt > 1 year
€1,798▼
2024 · €8,786
Income taxes
€58,629▲
2024 · €10,230
Staff costs
€11,896▼
2024 · €39,996
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 |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | €115,087 | - | - | - | - |
| Remuneration, social security and pensions62 | - | €85,416 | €35,733 | €39,996 | €11,896 | ▼ 70.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,885 | €2,405 | €2,585 | €1,496 | - | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €20,000 | -€20,000 | - | - |
| Other operating charges640/8 | - | €2,946 | €2,674 | €6,132 | €1,454 | ▼ 76.3% |
| Gross operating margin9900 | €247,518 | €200,833 | €239,006 | €74,659 | €399,977 | ▲ 436% |
| Operating profit (loss)9901 | €158,960 | €110,067 | €178,015 | €47,035 | €386,627 | ▲ 722% |
| Financial income75/76B | - | €48,956 | €34,996 | €34,994 | - | - |
| Recurring financial income75 | €53,395 | €48,956 | €34,996 | €34,994 | - | - |
| Financial charges65/66B | - | €4,605 | €2,321 | €1,879 | €2,436 | ▲ 29.7% |
| Recurring financial charges65 | €2,654 | €4,605 | €2,321 | €1,879 | €2,436 | ▲ 29.7% |
| Profit (loss) for the period before taxes9903 | €209,701 | €154,418 | €210,691 | €80,150 | €384,190 | ▲ 379% |
| Income taxes67/77 | €41,868 | €31,297 | €51,495 | €10,230 | €58,629 | ▲ 473% |
| Profit (loss) for the period9904 | €167,833 | €123,122 | €159,196 | €69,920 | €325,561 | ▲ 366% |
| Transfer to tax-exempt reserves689 | - | - | - | - | €189,450 | - |
| Profit (loss) for the period to be appropriated9905 | €167,833 | €123,122 | €159,196 | €69,920 | €136,111 | ▲ 94.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €637,271 | €613,109 | €678,916 | €641,264 | €772,893 | ▲ 20.5% |
| Fixed assets21/28 | €505,711 | €504,081 | €501,496 | €500,000 | €500,000 | = |
| Intangible fixed assets21 | - | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €5,711 | €4,081 | €1,496 | - | - | - |
| Furniture and vehicles24 | - | €4,081 | €1,496 | - | - | - |
| Financial fixed assets28 | €500,000 | €500,000 | €500,000 | €500,000 | €500,000 | = |
| Current assets29/58 | €131,560 | €109,028 | €177,420 | €141,264 | €272,893 | ▲ 93.2% |
| Amounts receivable within one year40/41 | €57,797 | €74,775 | €161,333 | €53,121 | €184,080 | ▲ 247% |
| Trade receivables40 | - | €56,081 | €161,333 | €33,351 | €77,747 | ▲ 133% |
| Other amounts receivable41 | - | €18,694 | - | €19,770 | €106,333 | ▲ 438% |
| Cash at bank and in hand54/58 | €70,846 | €30,597 | €14,995 | €19,572 | €88,813 | ▲ 354% |
| Deferred charges and accrued income490/1 | - | €3,656 | €1,092 | €68,572 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €637,271 | €613,109 | €678,916 | €641,264 | €772,893 | ▲ 20.5% |
| Equity10/15 | €198,893 | €222,015 | €281,300 | €351,220 | €676,781 | ▲ 92.7% |
| Contributions10/11 | - | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €180,343 | €203,465 | €203,465 | €203,465 | €392,915 | ▲ 93.1% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | - | - | - | €189,450 | - |
| Distributable reserves133 | - | €201,605 | €201,605 | €201,605 | €201,605 | = |
| Profit (loss) carried forward14 | - | - | €59,285 | €129,205 | €265,316 | ▲ 105% |
| Provisions and deferred taxes16 | - | - | €20,000 | - | - | - |
| Provisions for liabilities and charges160/5 | - | - | €20,000 | - | - | - |
| Other liabilities and charges164/5 | - | - | €20,000 | - | - | - |
| Amounts payable17/49 | €438,378 | €391,094 | €377,617 | €290,045 | €96,112 | ▼ 66.9% |
| Amounts payable after more than one year17 | €53,258 | - | - | €8,786 | €1,798 | ▼ 79.5% |
| Financial debts170/4 | - | - | - | €8,786 | €1,798 | ▼ 79.5% |
| Amounts payable within one year42/48 | €385,119 | €391,094 | €377,617 | €281,259 | €94,314 | ▼ 66.5% |
| Current portion of amounts payable after more than one year42 | - | €89,290 | €27,557 | €34,227 | €48,310 | ▲ 41.1% |
| Trade debts44 | €2,765 | €1,079 | - | €21,811 | - | - |
| Suppliers440/4 | - | €1,079 | - | €21,811 | - | - |
| Advances received on contracts in progress46 | - | - | - | - | €27,738 | - |
| Taxes, remuneration and social security45 | - | €37,327 | €81,098 | €38,129 | €18,165 | ▼ 52.4% |
| Taxes450/3 | - | €27,189 | €75,931 | €33,004 | €18,165 | ▼ 45.0% |
| Remuneration and social security454/9 | - | €10,139 | €5,167 | €5,125 | - | - |
| Other amounts payable47/48 | - | €263,397 | €268,962 | €187,091 | €100 | ▼ 99.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €167,833 | €123,122 | €159,196 | €69,920 | €325,561 | ▲ 366% |
| + Depreciation and write-downs630 | €4,885 | €2,405 | €2,585 | €1,496 | - | - |
| Operating cash flow (approximation) | €172,718 | €125,527 | €161,781 | €71,416 | €325,561 | ▲ 356% |
| Investment in fixed assets (approximation) | - | -€775 | €0 | €0 | €0 | - |
| Change in cash | - | -€40,249 | -€15,602 | €4,577 | €69,242 | ▲ 1,413% |
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 180 days late
2025
31-03
Financial
Highest result since 2019net €325,561 ▲366%
Operating result €386,627, net result €325,561, both a record.
31-03
Financial
Liquidity times 6current ratio 2.89
Current ratio from 0.50 to 2.89; short-term debt falls from €281,259 to €94,314.
31-03
Financial
Equity above €500,000Eq €676,781 ▲92.7%
7 profitable years in a row build equity to €676,781.
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
31-03
Financial
Weakest financial yearnet €69,920 ▼56.1%
Net result drops to €69,920, the lowest in the series; recovery starts the following year.
2023
22-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2022
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Equity above €200,000Eq €222,015 ▲11.6%
4 profitable years in a row build equity to €222,015.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Equity above €150,000Eq €198,893 ▲51.8%
3 profitable years in a row build equity to €198,893.
2020
15-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2019
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
17-10
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, Namur · 2 establishment units since 2013
Ground area
846 m²
Building footprint
139 m²
Volume, LiDAR
577 m³
2 parcels, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
EXFISCO
since 20132.223.701.145
EXFISCO
since 20132.225.205.932
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302G0359/00X011 | Wallonia | 608 m² | 1 · 64 m² | 11.1 m · 3 fl. |
| 92028B0095/00M000 ProtectedSite or landscape |
Wallonia | 238 m² | 1 · 75 m² | - |
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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 5,091 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
Founded12-11-2013
Fiscal year end31-03
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Contact
E-mail
gregoire.jansen@gmail.comNamur
Phone
0476.40.38.57Namur
E-invoicing
Reachable via Peppol
Peppol ID
0208:0541791619
Also
9925:BE0541791619
Registered
29-12-2025
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.