FIBOBE
ActiveSummary
FIBOBE has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €391,527 and a net result of €48,192. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 91% of 12819 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability83▲+11
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 1.55 against 0.68 in 2024; short-term debt: 8.3% and cash: 1.4% of total assets), and 8.3% 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○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
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
91.7%
Return on assets
11.3%
Age of the figures
9 mo
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 €391,527
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 12-02-2026, 169 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
169 d early
2024
149 d early
2023
90 d early
2022
147 d early
2021
152 d early
2020
172 d early
2019
81 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 137 days before 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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€391,527▲ 14.0%
2024 · €343,335
Total assets
€427,195▲ 9.1%
2024 · €391,704
Net result
€48,192▲ 387%
2024 · €9,900
Working capital
€19,451
2024 · -€15,607
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€10,729▼ 46.6%€4,963▼ 53.7%€11,438▲ 130%€14,771▲ 29.1%€65,739▲ 345%
Net result€5,109below the sector's middle half▼ 65.7%€705below the sector's middle half▼ 86.2%€7,567below the sector's middle half▲ 973%€9,900below the sector's middle half▲ 30.8%€48,192within the sector's middle half▲ 387%
Equity€325,290above the sector's middle half▲ 1.6%€325,868above the sector's middle half▲ 0.2%€333,435above the sector's middle half▲ 2.3%€343,335above the sector's middle half▲ 3.0%€391,527above the sector's middle half▲ 14.0%
Total assets€364,471within the sector's middle half▲ 1.9%€359,430within the sector's middle half▼ 1.4%€386,497within the sector's middle half▲ 7.5%€391,704within the sector's middle half▲ 1.3%€427,195within the sector's middle half▲ 9.1%
Debt€39,181▲ 4.7%€33,562▼ 14.3%€53,062▲ 58.1%€48,369▼ 8.8%€35,668▼ 26.3%
Working capital€52,573within the sector's middle half▲ 25.1%€31,563within the sector's middle half▼ 40.0%-€7,383below the sector's middle half-€15,607below the sector's middle half▼ 111%€19,451within the sector's middle half
Solvency89.2%above the sector's middle half▼ 0.3pp90.7%above the sector's middle half▲ 1.4pp86.3%above the sector's middle half▼ 4.4pp87.7%above the sector's middle half▲ 1.4pp91.7%above the sector's middle half▲ 4.0pp
Current ratio2.34within the sector's middle half▲ 0.221.94within the sector's middle half▼ 0.400.86below the sector's middle half▼ 1.080.68below the sector's middle half▼ 0.181.55within the sector's middle half▲ 0.87
Return on assets (ROA)1.4%below the sector's middle half▼ 2.8pp0.2%below the sector's middle half▼ 1.2pp2.0%below the sector's middle half▲ 1.8pp2.5%below the sector's middle half▲ 0.6pp11.3%within the sector's middle half▲ 8.8pp
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
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 345% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €427,195
Fixed assets
€372,076 ▲ 3.7%
Current assets
€55,119 ▲ 68.2%
Equity and liabilities €427,195
Equity
€391,527 ▲ 14.0%
Debt
€35,668 ▼ 26.3%
Debt's share of the balance-sheet total falls from 12.3% to 8.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75,615▲
2024 · €25,637
Cash flow
€58,068▲
2024 · €20,766
Debt to equity
0.09▼
2024 · 0.14
ROE
12.3%▲
2024 · 2.9%
Interest coverage
345.27▲
2024 · 119.80
Debt ≤ 1 year
€35,668▼
2024 · €48,369
Income taxes
€17,380▲
2024 · €4,657
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,429 | €5,429 | €9,080 | €10,866 | €9,876 | ▼ 9.1% |
| Other operating charges640/8 | - | €3,268 | €3,774 | €4,198 | €5,723 | ▲ 36.3% |
| Gross operating margin9900 | €19,720 | €13,660 | €24,292 | €29,835 | €81,338 | ▲ 173% |
| Operating profit (loss)9901 | €10,729 | €4,963 | €11,438 | €14,771 | €65,739 | ▲ 345% |
| Financial income75/76B | - | - | - | - | €52 | - |
| Recurring financial income75 | - | - | - | - | €52 | - |
| Financial charges65/66B | - | €468 | €244 | €214 | €219 | ▲ 2.3% |
| Recurring financial charges65 | €321 | €468 | €244 | €214 | €219 | ▲ 2.3% |
| Profit (loss) for the period before taxes9903 | €10,408 | €4,495 | €11,194 | €14,557 | €65,572 | ▲ 350% |
| Income taxes67/77 | €5,299 | €3,790 | €3,627 | €4,657 | €17,380 | ▲ 273% |
| Profit (loss) for the period9904 | €5,109 | €705 | €7,567 | €9,900 | €48,192 | ▲ 387% |
| Profit (loss) for the period to be appropriated9905 | €5,109 | €705 | €7,567 | €9,900 | €48,192 | ▲ 387% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €364,471 | €359,430 | €386,497 | €391,704 | €427,195 | ▲ 9.1% |
| Fixed assets21/28 | €272,717 | €294,305 | €341,235 | €358,942 | €372,076 | ▲ 3.7% |
| Tangible fixed assets22/27 | €272,467 | €294,055 | €340,985 | €358,692 | €371,826 | ▲ 3.7% |
| Land and buildings22 | - | €249,866 | €296,279 | €294,592 | €292,905 | ▼ 0.6% |
| Plant, machinery and equipment23 | - | €18,601 | €23,087 | €47,525 | €67,116 | ▲ 41.2% |
| Furniture and vehicles24 | - | €25,588 | €21,619 | €16,575 | €11,805 | ▼ 28.8% |
| Financial fixed assets28 | €250 | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €91,754 | €65,125 | €45,262 | €32,762 | €55,119 | ▲ 68.2% |
| Amounts receivable within one year40/41 | €87,346 | €63,309 | €36,004 | €29,375 | €49,105 | ▲ 67.2% |
| Trade receivables40 | - | €63,196 | €35,891 | €29,262 | €48,992 | ▲ 67.4% |
| Other amounts receivable41 | - | €113 | €113 | €113 | €113 | = |
| Cash at bank and in hand54/58 | €4,408 | €1,816 | €9,258 | €3,387 | €6,014 | ▲ 77.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €364,471 | €359,430 | €386,497 | €391,704 | €427,195 | ▲ 9.1% |
| Equity10/15 | €325,290 | €325,868 | €333,435 | €343,335 | €391,527 | ▲ 14.0% |
| Contributions10/11 | €0 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Outside capital11 | - | €6,197 | €6,197 | - | - | - |
| Other1109/19 | - | €6,197 | €6,197 | - | - | - |
| Reserves13 | €13,014 | €13,014 | €13,014 | €21,014 | €41,014 | ▲ 95.2% |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | €11,155 | €11,155 | €19,155 | €39,155 | ▲ 104% |
| Profit (loss) carried forward14 | €306,079 | €306,657 | €314,224 | €316,124 | €344,316 | ▲ 8.9% |
| Amounts payable17/49 | €39,181 | €33,562 | €53,062 | €48,369 | €35,668 | ▼ 26.3% |
| Amounts payable within one year42/48 | €39,181 | €33,562 | €52,645 | €48,369 | €35,668 | ▼ 26.3% |
| Trade debts44 | €20,703 | €20,568 | €28,357 | €10,091 | €9,737 | ▼ 3.5% |
| Suppliers440/4 | - | €20,568 | €28,357 | €10,091 | €9,737 | ▼ 3.5% |
| Taxes, remuneration and social security45 | - | €8,755 | €13,706 | €12,488 | €22,302 | ▲ 78.6% |
| Taxes450/3 | - | €8,755 | €13,706 | €12,488 | €22,302 | ▲ 78.6% |
| Other amounts payable47/48 | - | €4,239 | €10,582 | €25,790 | €3,629 | ▼ 85.9% |
| Accrued charges and deferred income492/3 | - | - | €417 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,109 | €705 | €7,567 | €9,900 | €48,192 | ▲ 387% |
| + Depreciation and write-downs630 | €5,429 | €5,429 | €9,080 | €10,866 | €9,876 | ▼ 9.1% |
| Operating cash flow (approximation) | €10,538 | €6,134 | €16,647 | €20,766 | €58,068 | ▲ 180% |
| Investment in fixed assets (approximation) | - | -€27,017 | -€56,010 | -€28,573 | -€23,010 | ▲ 19.5% |
| Change in cash | - | -€2,592 | €7,442 | -€5,871 | €2,627 | ▲ 145% |
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
12-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €48,192 ▲387%
Operating result €65,739, net result €48,192, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.55
Current ratio from 0.68 to 1.55; short-term debt falls from €48,369 to €35,668.
04-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Koksijde · 1 establishment unit since 2002
Ground area
1,124 m²
Building footprint
165 m²
Volume, LiDAR
1,812 m³
Parcel 38502G0121/00B000, Flanders · tallest building 14.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Biedenkopflaan(Odk) 15, 8670 Koksijde
since 20022.227.436.338
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502G0121/00B000 | Flanders | 1,124 m² | 1 · 165 m² | 14.2 m · 4 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 405 EUR awarded · 405 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 405 EUR | 405 EUR |
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 5,787 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
Founded28-07-1994
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0453116296
Also
9925:BE0453116296
Registered
01-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.