Fico Belgium
ActiveFico Belgium has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €19k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 52% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+5
Solvency70▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 1.68 in 2024; short-term debt: 46% and cash: 0.7% of total assets), but 54.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
45.4%
Return on assets
8.5%
Age of the figures
9 mo
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 26-07-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
2 d early
2023
1 d early
2022
14 d early
2021
15 d early
2020
22 d early
2019
35 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▲ 7.6%
2024 · €93k
2018: €50k
2019: €62k
2020: €84k
2021: €85k
2022: €103k
2023: €107k
2024: €93k
2018 → 2025
Total assets
€221k▼ 3.8%
2024 · €229k
2018: €129k
2019: €155k
2020: €194k
2021: €151k
2022: €211k
2023: €203k
2024: €229k
2018 → 2025
Net result
€19k▲ 94.9%
2024 · €10k
2018: €19k
2019: €12k
2020: €71k
2021: €927
2022: €17k
2023: €5k
2024: €10k
2018 → 2025
Working capital
€64k▼ 2.7%
2024 · €65k
2018: €43k
2019: €47k
2020: €50k
2021: €72k
2022: €55k
2023: €88k
2024: €65k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€85k-€103k▲ 20.2%€107k▲ 4.5%€93k▼ 13.2%€100k▲ 7.6%
Operating result€7k-€29k▲ 313%€12k▼ 58.6%€23k▲ 87.3%€33k▲ 47.6%
Net result€927-€17k▲ 1,763%€5k▼ 73.2%€10k▲ 107%€19k▲ 94.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 48% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €221k
Fixed assets
€56k▼ 19.0%
Current assets
€165k▲ 2.7%
Equity and liabilities €221k
Equity
€100k▲ 7.6%
Debt
€121k▼ 11.5%
The debt ratio falls from 59.4% to 54.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58k▲
2024 · €44k
Cash flow
€43k▲
2024 · €31k
Solvency
45.4%▲
2024 · 40.6%
Current ratio
1.63▼
2024 · 1.68
Quick ratio
0.67▼
2024 · 0.73
Debt / equity
1.20▼
2024 · 1.46
ROE
18.6%▲
2024 · 10.3%
ROA
8.5%▲
2024 · 4.2%
Interest coverage
9.46▲
2024 · 6.14
Debt
€121k▼
2024 · €136k
Debt ≤ 1 year
€102k▲
2024 · €95k
Debt > 1 year
€18k▼
2024 · €41k
Income taxes
€9k▲
2024 · €6k
Staff costs
€109k▼
2024 · €113k
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€229k€221k▼
Fixed assets21/28€69k€56k▼
Intangible fixed assets21€2k€7k▲
Tangible fixed assets22/27€67k€48k▼
Plant, machinery and equipment23€29k€26k▼
Furniture and vehicles24€37k€23k▼
Current assets29/58€161k€165k▲
Stocks and contracts in progress3€91k€97k▲
Stocks30/36€91k€97k▲
Amounts receivable within one year40/41€55k€64k▲
Trade receivables40€44k€62k▲
Other amounts receivable41€11k€2k▼
Cash at bank and in hand54/58€13k€2k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€229k€221k▼
Equity10/15€93k€100k▲
Contributions10/11€6k€6k=
Reserves13€87k€94k▲
Non-distributable reserves130/1€750€750=
Reserves not available under the articles1311€750€750=
Tax-exempt reserves132€10k€10k=
Distributable reserves133€75k€83k▲
Profit (loss) carried forward14€207€0▼
Amounts payable17/49€136k€121k▼
Amounts payable after more than one year17€41k€18k▼
Financial debts170/4€41k€18k▼
Amounts payable within one year42/48€95k€102k▲
Current portion of amounts payable after more than one year42€22k€23k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€21k€26k▲
Suppliers440/4€21k€26k▲
Taxes, remuneration and social security45€28k€31k▲
Taxes450/3€11k€15k▲
Remuneration and social security454/9€18k€15k▼
Other amounts payable47/48€24k€22k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€113k€109k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€24k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k€2k▼
Other operating charges640/8€548€2k▲
Non-recurring operating charges66A€5k€0▼
Gross operating margin9900€166k€170k▲
Operating profit (loss)9901€23k€33k▲
Financial income75/76B€324€791▲
Recurring financial income75€324€791▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€16k€28k▲
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€10k€19k▲
Profit (loss) for the period to be appropriated9905€10k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€19k▲
Profit (loss) brought forward from the previous period14P€5k€207▼
Transfer from equity791/2€24k€12k▼
Transfer to equity691/2€14k€19k▲
To other reserves6921€14k€19k▲
Profit to be distributed694/7€24k€12k▼
Return on contributions (dividend)694€24k€12k▼
The notes to these accounts (11 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
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €100k ▲7.6%
8 profitable years in a row build equity to €100k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €103k ▲20.2%
5 profitable years in a row build equity to €103k.
16-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €927 ▼98.7%
Net result drops to €927, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €71k ▲513%
Operating result €91k, net result €71k, both a record.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
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.
Directors · office · real estate
Directors
4 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, Zonhoven · 2 establishment units since 2001
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.
Senator A. Jeurissenlaan 11543520 ZonhovenGround area
1.2 ha
Building footprint
1,361 m²
Volume, LiDAR
1,236 m³
2 parcels, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Senator A. Jeurissenlaan 1154, 3520 Zonhoven
since 20012.095.366.383
Watervoort(HRT) 61, 2200 Herentals
since 20162.256.403.310
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71442C1052/00E000 | Flanders | 8,890 m² | 1 · 1,088 m² | - |
| 13011B0039/00D000 | Flanders | 3,361 m² | 1 · 273 m² | 6.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 to 2025 · 2 entries · 7,500 EUR awarded · 4,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,000 EUR | 0 EUR |
| 2023 | 1 | 4,500 EUR | 4,500 EUR |
Schemes
Subsidies voor internationaal ondernemen
Similar companies · same sector, comparable size
CARTEL EN ACTION
BE 0688.756.913
Durbuy · Eq €100k
Profiles Mode
BE 0424.168.429
Sint-Jans-Molenbeek · Eq €99k
TEXTIMMO
BE 0875.447.863
Waterloo · Eq €98k
STAR - TAPIS
BE 0452.124.324
Sint-Jans-Molenbeek · Eq €104k
HADDAD BRANDS BELGIUM
BE 0739.563.731
Watermaal-Bosvoorde · Eq €104k
Of 687 companies in sector 46412 we hold annual accounts for 517. 386 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2001
Fiscal year end31-12
Activities, NACEBEL
13921Manufacture of textiles
17401
46412Wholesale of household textiles and bedding
51410
46460Wholesale of pharmaceutical and medical goods
47551Retail sale of household furniture
47591Retail trade
52441
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.