FIBUCO
ActiveFIBUCO has been active since 2004 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2025 annual accounts show equity of €329k and a net result of €79k. Equity is growing by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 92% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▼-3
Solvency100=
Growth78=
Track record92
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 13.11 against 5.15 in 2024; short-term debt: 6.6% and cash: 51.7% of total assets), and 6.6% 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+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 70
Relative position
BE, all sectors
reference
Sector 70
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
93.4%
Return on assets
22.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-02-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
170 d late
2023
677 d late
2018
31 d late
2017
on the day
2016
30 d early
2015
34 d early
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Strikeout withdrawn
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€329k▲ 31.4%
2024 · €250k
2018: €125k
2023: €186k
2024: €250k
2018 → 2025
Total assets
€352k▲ 18.8%
2024 · €297k
2018: €165k
2023: €206k
2024: €297k
2018 → 2025
Net result
€79k▼ 4.0%
2024 · €82k
2018: €-820
2023: €67k
2024: €82k
2018 → 2025
Working capital
€281k▲ 46.6%
2024 · €192k
2018: €2k
2023: €179k
2024: €192k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2018202320242025Trend
Equity€125k-€186k▲ 49.4%€250k▲ 34.3%€329k▲ 31.4%
Operating result€-3k-€94k€113k▲ 20.7%€108k▼ 4.9%
Net result€-820-€67k€82k▲ 23.2%€79k▼ 4.0%
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 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €352k
Fixed assets
€48k▼ 18.2%
Current assets
€304k▲ 27.9%
Equity and liabilities €352k
Equity
€329k▲ 31.4%
Debt
€23k▼ 49.7%
The debt ratio falls from 15.6% to 6.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€120k▲
2024 · €117k
Cash flow
€91k▲
2024 · €85k
Solvency
93.4%▲
2024 · 84.4%
Current ratio
13.11▲
2024 · 5.15
Quick ratio
13.11▲
2024 · 5.15
Debt / equity
0.07▼
2024 · 0.18
ROE
23.9%▼
2024 · 32.8%
ROA
22.3%▼
2024 · 27.7%
Interest coverage
1264.00▼
2024 · 1610.93
Debt
€23k▼
2024 · €46k
Debt ≤ 1 year
€23k▼
2024 · €46k
Income taxes
€32k▲
2024 · €32k
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€297k€352k▲
Fixed assets21/28€59k€48k▼
Tangible fixed assets22/27€59k€48k▼
Furniture and vehicles24€59k€48k▼
Current assets29/58€238k€304k▲
Amounts receivable within one year40/41€125k€121k▼
Trade receivables40€113-
Other amounts receivable41€125k€121k▼
Current investments50/53€85k-
Cash at bank and in hand54/58€27k€182k▲
Deferred charges and accrued income490/1€970€1k▲
Equity and liabilities
Total equity and liabilities10/49€297k€352k▲
Equity10/15€250k€329k▲
Contributions10/11€20k€20k=
Reserves13€232k€311k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311-€2k
Other1319€2k-
Distributable reserves133€230k€309k▲
Profit (loss) carried forward14€-2k€-2k=
Amounts payable17/49€46k€23k▼
Amounts payable within one year42/48€46k€23k▼
Trade debts44-€5k
Suppliers440/4-€5k
Taxes, remuneration and social security45€7k€18k▲
Taxes450/3€7k€18k▲
Other amounts payable47/48€39k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€12k▲
Other operating charges640/8€898€830▼
Gross operating margin9900€117k€121k▲
Operating profit (loss)9901€113k€108k▼
Financial income75/76B€223€3k▲
Recurring financial income75€223€3k▲
Financial charges65/66B€72€95▲
Recurring financial charges65€72€95▲
Profit (loss) for the period before taxes9903€114k€110k▼
Income taxes67/77€32k€32k▲
Profit (loss) for the period9904€82k€79k▼
Profit (loss) for the period to be appropriated9905€82k€79k▼
Appropriation of the result
Profit (loss) to be appropriated9906€80k€77k▼
Profit (loss) brought forward from the previous period14P€-2k€-2k=
Transfer from equity791/2€18k-
Transfer to equity691/2€82k€79k▼
To other reserves6921€82k€79k▼
Profit to be distributed694/7€18k-
Return on contributions (dividend)694€18k-
The notes to these accounts (7 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
27-03
KBO administration
Strikeout withdrawn
08-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 677 days late
19-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 170 days late
30-09
Financial
Liquidity triplescurrent ratio 13.11
Current ratio from 5.15 to 13.11; short-term debt falls from €46k to €23k.
2024
30-09
Financial
Highest result since 2018net €82k ▲23.2%
Operating result €113k, net result €82k, both a record.
30-09
Financial
Equity above €200kEq €250k ▲34.3%
2 profitable years in a row build equity to €250k.
2023
30-09
Financial
Back to profitnet €67k
Net result €67k after one loss-making year.
30-09
Financial
Liquidity times 9current ratio 10.20
Current ratio from 1.15 to 10.20.
30-09
Financial
Equity above €150kEq €186k ▲49.4%
Equity rises from €125k to €186k.
2019
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
27-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
16-03
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
2014
20-04
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema
2013
22-04
NBB filing
Annual accounts filed
fiscal year 2012 · abbreviated schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oostende · 1 establishment unit since 2004
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.
Nieuwpoortsesteenweg 6338400 OostendeGround area
555 m²
Building footprint
118 m²
Volume, LiDAR
1,770 m³
Parcel 35385B0053/00Y009, Flanders · tallest building 18.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
FIBUCO
since 20042.136.554.761
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35385B0053/00Y009 | Flanders | 555 m² | 1 · 118 m² | 18.2 m · 6 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 60 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 60 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,581 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2004
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.