FICOCONSULT
ActiveFICOCONSULT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €88k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 39% of 1893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +49 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency77▲+61
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 0.97 in 2024), but 57% 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 63
Relative position
BE, all sectors
reference
Sector 63
lower
← 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
43%
Return on assets
41.3%
Age of the figures
11 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 11-12-2025, 140 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
140 d early
2024
107 d early
2023
133 d early
2022
131 d early
2021
108 d early
2020
149 d early
2019
135 d early
← before the deadline
after the deadline →
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
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
Total assets
€214k▼ 2.7%
2024 · €220k
2018: €120k
2019: €178k
2020: €246k
2021: €277k
2022: €153k
2023: €147k
2024: €220k
2018 → 2025
Net result
€88k▲ 8.2%
2024 · €82k
2018: €37k
2019: €60k
2020: €69k
2021: €65k
2022: €70k
2023: €94k
2024: €82k
2018 → 2025
Working capital
€66k
2024 · €-7k
2018: €29k
2019: €88k
2020: €170k
2021: €220k
2022: €6k
2023: €90k
2024: €-7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€245k-€31k▼ 87.2%€113k▲ 262%€19k▼ 83.6%€92k▲ 395%
Operating result€83k-€91k▲ 9.4%€122k▲ 34.4%€108k▼ 11.7%€115k▲ 7.0%
Net result€65k-€70k▲ 6.6%€94k▲ 34.4%€82k▼ 12.7%€88k▲ 8.2%
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 2025; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €214k
Fixed assets
€26k▲ 1.2%
Current assets
€188k▼ 3.3%
Equity and liabilities €214k
Equity
€92k▲ 395%
Debt
€122k▼ 39.5%
The debt ratio falls from 91.6% to 57.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€119k▲
2024 · €111k
Cash flow
€92k▲
2024 · €85k
Solvency
43.0%▲
2024 · 8.4%
Current ratio
1.55▲
2024 · 0.97
Quick ratio
1.55▲
2024 · 0.97
Debt / equity
1.33▼
2024 · 10.84
ROE
96.1%▼
2024 · 439.7%
ROA
41.3%▲
2024 · 37.1%
Interest coverage
40.09▲
2024 · 28.59
Debt
€122k▼
2024 · €202k
Debt ≤ 1 year
€121k▼
2024 · €201k
Income taxes
€26k▲
2024 · €23k
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€220k€214k▼
Fixed assets21/28€26k€26k▲
Tangible fixed assets22/27€26k€26k▲
Furniture and vehicles24€397€172▼
Other tangible fixed assets26€26k€26k▲
Current assets29/58€194k€188k▼
Amounts receivable within one year40/41€2k€0▼
Trade receivables40€0-
Other amounts receivable41€2k€0▼
Current investments50/53€100k€0▼
Cash at bank and in hand54/58€88k€183k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€220k€214k▼
Equity10/15€19k€92k▲
Contributions10/11€19k€19k=
Reserves13€0€73k▲
Distributable reserves133€0€73k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€202k€122k▼
Amounts payable within one year42/48€201k€121k▼
Financial debts43€6k€6k=
Credit institutions430/8€6k€6k=
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€7k€9k▲
Other amounts payable47/48€183k€103k▼
Accrued charges and deferred income492/3€1k€806▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€112k€120k▲
Operating profit (loss)9901€108k€115k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€105k€114k▲
Income taxes67/77€23k€26k▲
Profit (loss) for the period9904€82k€88k▲
Profit (loss) for the period to be appropriated9905€82k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€82k€88k▲
Transfer from equity791/2€94k€0▼
Transfer to equity691/2€0€73k▲
To other reserves6921€0€73k▲
Profit to be distributed694/7€176k€15k▼
Return on contributions (dividend)694€176k€15k▼
The notes to these accounts (5 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
2025
11-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
13-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-09
Financial
Highest result since 2018net €94k ▲34.4%
Operating result €122k, net result €94k, both a record.
30-09
Financial
Liquidity quadruplescurrent ratio 3.69
Current ratio from 1.05 to 3.69; short-term debt falls from €121k to €33k.
30-09
Financial
Equity above €100kEq €113k ▲262%
6 profitable years in a row build equity to €113k.
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
12-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity doublescurrent ratio 9.63
Current ratio from 4.72 to 9.63; short-term debt falls from €46k to €26k.
30-09
Financial
Equity above €200kEq €245k ▲34.6%
4 profitable years in a row build equity to €245k.
2020
02-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-09
Financial
Equity above €150kEq €182k ▲78.5%
3 profitable years in a row build equity to €182k.
2019
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
30-09
Financial
Equity above €100kEq €102k ▲136%
2 profitable years in a row build equity to €102k.
08-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Poperinge · 1 establishment unit since 2018
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.
Heuvellandseweg 18970 PoperingeGround area
1,644 m²
Building footprint
781 m²
Volume, LiDAR
5,092 m³
Parcel 33023E0472/00K000, Flanders · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FICOCONSULT
since 20182.271.983.488
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33023E0472/00K000 | Flanders | 1,644 m² | 1 · 781 m² | 8.9 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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LUCAS TECHNOLOGY
BE 0442.755.312
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KDMI
BE 1009.093.770
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O2
BE 0777.990.478
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Of 3,142 companies in sector 63920 we hold annual accounts for 1,516. 1,247 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2018
Fiscal year end30-09
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.