FICO
ActiveSummary
The computed 12-month bankruptcy probability of FICO is 3.0% (moderate). For FICO, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €224k and a net result of €46k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 89% of 17999 sector peers (fiscal year 2023). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability88▲+13
Solvency100=
Growth68=
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
75.8%
Return on assets
15.6%
Age of the figures
33 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline26-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 15-07-2024, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
16 d early
2022
10 d late
2021
5 d late
2020
26 d early
2019
27 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
History
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Financials · fiscal year 2023, micro schema
Turnover
€131k▲ 4.8%
2018 · €125k
EBIT margin
5.5%▼ 1.3pp
2018 · 6.8%
Net result
€46k▲ 348%
2022 · €10k
Working capital
€216k▲ 27.3%
2022 · €170k
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
Line20192020202120222023
Turnover€131k▲ 4.8%
Operating result€7k▼ 14.9%€13k▲ 73.7%€40k▲ 218%€11k▼ 73.3%€61k▲ 472%
Net result€5k▼ 18.8%€11k▲ 110%€34k▲ 199%€10k▼ 69.7%€46k▲ 348%
EBIT margin5.5%▼ 1.3pp
Equity€122k▲ 4.6%€133k▲ 9.3%€167k▲ 25.4%€178k▲ 6.1%€224k▲ 26.0%
Total assets€158k▲ 8.7%€187k▲ 18.9%€215k▲ 15.0%€200k▼ 7.3%€295k▲ 47.8%
Debt€35k▲ 25.5%€54k▲ 52.2%€48k▼ 10.8%€22k▼ 54.2%€71k▲ 224%
Working capital€125k▲ 4.5%€150k▲ 19.6%€188k▲ 25.3%€170k▼ 9.4%€216k▲ 27.3%
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 2023; 2023 is 472% above 2022 and is the highest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €295k
Fixed assets
€7k ▼ 3.3%
Current assets
€288k ▲ 49.8%
Equity and liabilities €295k
Equity
€224k ▲ 26.0%
Debt
€71k ▲ 224%
Debt's share of the balance-sheet total rises from 11.0% to 24.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€62k▲
2022 · €11k
Cash flow
€46k▲
2022 · €11k
Current ratio
4.04▼
2022 · 8.73
Debt to equity
0.32▲
2022 · 0.12
ROE
20.6%▲
2022 · 5.8%
ROA
15.6%▲
2022 · 5.2%
Interest coverage
145.45▲
2022 · 23.32
Debt ≤ 1 year
€71k▲
2022 · €22k
Income taxes
€17k▲
2022 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €131k | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €1k | €929 | €679 | €248 | ▼ 63.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €21k | €0 | - | - |
| Other operating charges640/8 | - | - | €1k | €956 | €2k | ▲ 98.2% |
| Gross operating margin9900 | €9k | €15k | €63k | €12k | €64k | ▲ 414% |
| Operating profit (loss)9901 | €7k | €13k | €40k | €11k | €61k | ▲ 472% |
| Financial income75/76B | - | - | €6 | €3k | €2k | ▼ 16.4% |
| Recurring financial income75 | €1 | - | €6 | €3k | €2k | ▼ 16.4% |
| Financial charges65/66B | - | - | €203 | €489 | €424 | ▼ 13.3% |
| Recurring financial charges65 | €27 | - | €203 | €489 | €424 | ▼ 13.3% |
| Profit (loss) for the period before taxes9903 | €7k | €13k | €40k | €13k | €63k | ▲ 383% |
| Income taxes67/77 | €2k | €1k | €6k | €3k | €17k | ▲ 505% |
| Profit (loss) for the period9904 | €5k | €11k | €34k | €10k | €46k | ▲ 348% |
| Profit (loss) for the period to be appropriated9905 | €5k | €11k | €34k | €10k | €46k | ▲ 348% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €158k | €187k | €215k | €200k | €295k | ▲ 47.8% |
| Fixed assets21/28 | €9k | €9k | €8k | €8k | €7k | ▼ 3.3% |
| Tangible fixed assets22/27 | €2k | €2k | €928 | €248 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | - | - | €928 | €248 | €0 | ▼ 100% |
| Financial fixed assets28 | €7k | €7k | €7k | €7k | €7k | = |
| Current assets29/58 | €149k | €178k | €207k | €192k | €288k | ▲ 49.8% |
| Amounts receivable within one year40/41 | €77k | €111k | €113k | €190k | €285k | ▲ 50.2% |
| Trade receivables40 | - | - | €14k | €4k | €9k | ▲ 107% |
| Other amounts receivable41 | - | - | €99k | €185k | €276k | ▲ 48.9% |
| Cash at bank and in hand54/58 | €71k | €68k | €94k | €2k | €3k | ▲ 19.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €158k | €187k | €215k | €200k | €295k | ▲ 47.8% |
| Equity10/15 | €122k | €133k | €167k | €178k | €224k | ▲ 26.0% |
| Contributions10/11 | €19k | - | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | - | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | - | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €102k | €113k | €147k | €157k | €203k | ▲ 29.3% |
| Amounts payable17/49 | €35k | €54k | €48k | €22k | €71k | ▲ 224% |
| Amounts payable after more than one year17 | €12k | €12k | - | - | - | - |
| Amounts payable within one year42/48 | €23k | €28k | €20k | €22k | €71k | ▲ 224% |
| Trade debts44 | €15k | €23k | €11k | €9k | €46k | ▲ 387% |
| Suppliers440/4 | - | - | €11k | €9k | €46k | ▲ 387% |
| Taxes, remuneration and social security45 | - | - | €9k | €13k | €25k | ▲ 100% |
| Taxes450/3 | - | - | €9k | €13k | €25k | ▲ 100% |
| Accrued charges and deferred income492/3 | - | - | €29k | €0 | - | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5k | €11k | €34k | €10k | €46k | ▲ 348% |
| + Depreciation and write-downs630 | €1k | €1k | €929 | €679 | €248 | ▼ 63.4% |
| Operating cash flow (approximation) | €6k | €13k | €35k | €11k | €46k | ▲ 323% |
| Investment in fixed assets (approximation) | - | €-2k | €0 | €0 | €0 | - |
| Change in cash | - | €-4k | €27k | €-92k | €441 | ▲ 100% |
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
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €46k ▲348%
Operating result €61k, net result €46k, both a record.
31-12
Financial
Equity above €200kEq €224k ▲26%
6 profitable years in a row build equity to €224k.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
31-12
Financial
Equity above €150kEq €167k ▲25.4%
4 profitable years in a row build equity to €167k.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €5k ▼18.8%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
03-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 3 days late
2015
14-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 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
11 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, Anderlecht · 1 establishment unit since 2006
Ground area
245 m²
Building footprint
81 m²
Volume, LiDAR
1,146 m³
2 parcels, Brussels · tallest building 19.9 m, ±6 floors. Linked by address, not a title deed.
26
companies at this address
See who is registered here
1 establishment unit
Métro Osseghem
since 20062.155.826.186
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306C0162/00P000 | Brussels | 164 m² | - | - |
| 21526D0256/00H003 | Brussels | 81 m² | 1 · 81 m² | 19.9 m · 6 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Jans-Molenbeek2.155.826.186
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Of 14,006 companies in sector 56301 we hold annual accounts for 4,889. 2,962 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 (pre-2019)
Founded28-04-2003
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
Scores and ratios are computed by Checked and are not a credit decision.