FiBaCo
ActiveSummary
FiBaCo has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28,021 and a net result of €27,021. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 12788 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability79▼-21
Solvency34▲+8
Growth52▼-6
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 2.32 against 0.98 in 2024; short-term debt: 5.9% and cash: 4.4% of total assets), but 91.2% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Seven 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 · 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
8.8%
Return on assets
8.5%
Age of the figures
9 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 12788 sector peers (2025).
NBB · sector comparisonPosition among 12788 sector peers
Solvency
better than 12%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €28,021
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
31 d late
2023
29 d late
2022
1 d early
2021
17 d early
2020
46 d early
2019
86 d late
← 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 11 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€28,021▲ 2,702%
2024 · €1,000
Total assets
€316,999▲ 256%
2024 · €89,045
Net result
€27,021▼ 64.9%
2024 · €76,917
Working capital
€24,714
2024 · -€1,607
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
Line20212022202320242025
Operating result€84,802▼ 26.0%€96,375▲ 13.6%€84,402▼ 12.4%€98,584▲ 16.8%€39,440▼ 60.0%
Net result€66,086▼ 25.7%€74,954▲ 13.4%€65,291▼ 12.9%€76,917▲ 17.8%€27,021▼ 64.9%
Equity€1,000▼ 95.0%€1,000=€1,000=€1,000=€28,021▲ 2,702%
Total assets€85,223▼ 34.1%€90,309▲ 6.0%€90,553▲ 0.3%€89,045▼ 1.7%€316,999▲ 256%
Debt€84,223▼ 23.0%€89,309▲ 6.0%€89,553▲ 0.3%€88,045▼ 1.7%€288,977▲ 228%
Working capital-€1,415-€874▲ 38.2%-€480▲ 45.1%-€1,607▼ 235%€24,714
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 60% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €316,999
Fixed assets
€273,599 ▲ 10,394%
Current assets
€43,400 ▼ 49.8%
Equity and liabilities €316,999
Equity
€28,021 ▲ 2,702%
Debt
€288,977 ▲ 228%
Debt's share of the balance-sheet total falls from 98.9% to 91.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€39,867
Cash flow
€27,449
Current ratio
2.32▲
2024 · 0.98
Debt to equity
10.31▼
2024 · 88.04
ROE
96.4%
ROA
8.5%▼
2024 · 86.4%
Interest coverage
18.14
Debt ≤ 1 year
€18,685▼
2024 · €88,045
Debt > 1 year
€270,292
Income taxes
€10,221▼
2024 · €21,347
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 | €541 | €541 | €394 | - | €427 | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | -€1,530 | - | - | - | - | - |
| Other operating charges640/8 | €1,630 | - | €1,140 | - | - | - |
| Gross operating margin9900 | €85,443 | €96,915 | €85,937 | €98,584 | €39,867 | ▼ 59.6% |
| Operating profit (loss)9901 | €84,802 | €96,375 | €84,402 | €98,584 | €39,440 | ▼ 60.0% |
| Financial income75/76B | - | - | €1 | €341 | - | - |
| Recurring financial income75 | - | - | €1 | €341 | - | - |
| Financial charges65/66B | €990 | €991 | €960 | €661 | €2,198 | ▲ 233% |
| Recurring financial charges65 | €990 | €991 | €960 | €661 | €2,198 | ▲ 233% |
| Profit (loss) for the period before taxes9903 | €83,812 | €95,384 | €83,443 | €98,264 | €37,242 | ▼ 62.1% |
| Income taxes67/77 | €17,726 | €20,430 | €18,152 | €21,347 | €10,221 | ▼ 52.1% |
| Profit (loss) for the period9904 | €66,086 | €74,954 | €65,291 | €76,917 | €27,021 | ▼ 64.9% |
| Profit (loss) for the period to be appropriated9905 | €66,086 | €74,954 | €65,291 | €76,917 | €27,021 | ▼ 64.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €85,223 | €90,309 | €90,553 | €89,045 | €316,999 | ▲ 256% |
| Fixed assets21/28 | €2,415 | €1,874 | €1,480 | €2,607 | €273,599 | ▲ 10,394% |
| Tangible fixed assets22/27 | €935 | €394 | - | €1,127 | €1,827 | ▲ 62.1% |
| Furniture and vehicles24 | €935 | €394 | - | - | €1,827 | - |
| Assets under construction and advance payments27 | - | - | - | €1,127 | - | - |
| Financial fixed assets28 | €1,480 | €1,480 | €1,480 | €1,480 | €271,772 | ▲ 18,263% |
| Current assets29/58 | €82,808 | €88,435 | €89,073 | €86,437 | €43,400 | ▼ 49.8% |
| Amounts receivable within one year40/41 | €31,845 | €38,081 | €34,627 | €66,598 | €27,791 | ▼ 58.3% |
| Trade receivables40 | €25,249 | €38,081 | €34,627 | €57,746 | €17,011 | ▼ 70.5% |
| Other amounts receivable41 | €6,596 | - | - | €8,853 | €10,780 | ▲ 21.8% |
| Cash at bank and in hand54/58 | €49,662 | €49,488 | €53,581 | €18,974 | €13,792 | ▼ 27.3% |
| Deferred charges and accrued income490/1 | €1,301 | €865 | €865 | €865 | €1,817 | ▲ 110% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €85,223 | €90,309 | €90,553 | €89,045 | €316,999 | ▲ 256% |
| Equity10/15 | €1,000 | €1,000 | €1,000 | €1,000 | €28,021 | ▲ 2,702% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Profit (loss) carried forward14 | - | - | - | - | €27,021 | - |
| Amounts payable17/49 | €84,223 | €89,309 | €89,553 | €88,045 | €288,977 | ▲ 228% |
| Amounts payable after more than one year17 | - | - | - | - | €270,292 | - |
| Other amounts payable178/9 | - | - | - | - | €270,292 | - |
| Amounts payable within one year42/48 | €84,223 | €89,309 | €89,553 | €88,045 | €18,685 | ▼ 78.8% |
| Trade debts44 | €273 | - | €80 | €540 | €2,591 | ▲ 380% |
| Suppliers440/4 | €273 | - | €80 | €540 | €2,591 | ▲ 380% |
| Taxes, remuneration and social security45 | €16,151 | €12,293 | €23,222 | €10,587 | €10,614 | ▲ 0.3% |
| Taxes450/3 | €16,151 | €12,293 | €23,222 | €10,587 | €10,614 | ▲ 0.3% |
| Other amounts payable47/48 | €67,799 | €77,016 | €66,251 | €76,917 | €5,480 | ▼ 92.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €66,086 | €74,954 | €65,291 | €76,917 | €27,021 | ▼ 64.9% |
| + Depreciation and write-downs630 | €541 | €541 | €394 | - | €427 | - |
| Operating cash flow (approximation) | €66,627 | €75,494 | €65,685 | €76,917 | €27,449 | ▼ 64.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1,127 | -€271,419 | ▼ 23,981% |
| Change in cash | - | -€173 | €4,092 | -€34,607 | -€5,182 | ▲ 85.0% |
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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €27,021 ▼64.9%
Net result drops to €27,021, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 2.32
Current ratio from 0.98 to 2.32; short-term debt falls from €88,045 to €18,685.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €88,924 ▲69.8%
Operating result €114,655, net result €88,924, both a record.
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 86 days late
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Villers-le-Bouillet · 1 establishment unit since 2014
Ground area
1,280 m²
Building footprint
88 m²
Volume, LiDAR
559 m³
Parcel 61074A0128/00T000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FiBaCo
since 20142.225.097.054
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61074A0128/00T000 | Wallonia | 1,280 m² | 1 · 88 m² | 8.4 m · 2 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
33.33%
According to the 2025 annual accounts of FiBaCo and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Similar companies · same sector, comparable size
MEYSMANS ACCOUNTANCY
BE 0669.716.704
Haacht · Eq €28,022
De Bo, Van Hissenhoven & Partners
BE 0843.284.544
Antwerpen · Eq €27,999
URO-CONSULT
BE 0474.351.774
Beveren-Kruibeke-Zwijndrecht · Eq €27,981
BOEKHOUDKANTOOR G & G
BE 0460.283.608
Antwerpen · Eq €27,947
MHS Consult
BE 1020.891.247
Anderlecht · Eq €28,113
Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 5,029 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
Founded26-12-2013
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0543607695
Also
9925:BE0543607695
Registered
02-04-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.