FIGARO
ActiveSummary
FIGARO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€21,065) and a net result of €1,565. Its solvency ranks better than 5% of 8091 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8091 sector peers (2025).
NBB · sector comparisonPosition among 8091 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-03-2026, 47 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
47 d late
2024
11 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 18 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€21,065▲ 6.9%
2024 · -€22,630
Net result
€1,565
2024 · -€25,630
Total assets
€58,490▼ 47.1%
2024 · €110,569
Solvency
-36.0%▼ 15.5pp
2024 · -20.5%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20242025
Operating result-€16,851-€6,593
Net result-€25,630below the sector's middle half-€1,565below the sector's middle half
Equity-€22,630below the sector's middle half--€21,065below the sector's middle half▲ 6.9%
Total assets€110,569below the sector's middle half-€58,490below the sector's middle half▼ 47.1%
Debt€133,198-€79,554▼ 40.3%
Working capital-€35,314below the sector's middle half--€47,355below the sector's middle half▼ 34.1%
Solvency-20.5%below the sector's middle half--36.0%below the sector's middle half▼ 15.5pp
Current ratio0.66below the sector's middle half-0.22below the sector's middle half▼ 0.44
Return on assets (ROA)-23.2%below the sector's middle half-2.7%within the sector's middle half▲ 25.9pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
The operating result returns to profit in 2025: €6,593 after a loss of €16,851 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58,490
Fixed assets
€45,129 ▲ 8.6%
Current assets
€13,361 ▼ 80.6%
Key figures and ratios
Debt ≤ 1 year
€60,716▼
2024 · €104,322
Debt > 1 year
€18,838▼
2024 · €28,876
Income taxes
€145▼
2024 · €554
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Non-recurring operating income76A | €1,000 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,187 | €5,425 | ▼ 12.3% |
| Other operating charges640/8 | €3,696 | €1,235 | ▼ 66.6% |
| Non-recurring operating charges66A | - | €887 | - |
| Gross operating margin9900 | -€6,969 | €14,139 | ▲ 303% |
| Operating profit (loss)9901 | -€16,851 | €6,593 | ▲ 139% |
| Financial income75/76B | €58 | €35 | ▼ 39.8% |
| Recurring financial income75 | €58 | €35 | ▼ 39.8% |
| Financial charges65/66B | €8,282 | €4,918 | ▼ 40.6% |
| Recurring financial charges65 | €8,282 | €4,918 | ▼ 40.6% |
| Profit (loss) for the period before taxes9903 | -€25,075 | €1,709 | ▲ 107% |
| Income taxes67/77 | €554 | €145 | ▼ 73.9% |
| Profit (loss) for the period9904 | -€25,630 | €1,565 | ▲ 106% |
| Profit (loss) for the period to be appropriated9905 | -€25,630 | €1,565 | ▲ 106% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €110,569 | €58,490 | ▼ 47.1% |
| Fixed assets21/28 | €41,560 | €45,129 | ▲ 8.6% |
| Tangible fixed assets22/27 | €41,560 | €45,129 | ▲ 8.6% |
| Plant, machinery and equipment23 | €41,560 | €40,571 | ▼ 2.4% |
| Other tangible fixed assets26 | - | €4,557 | - |
| Current assets29/58 | €69,008 | €13,361 | ▼ 80.6% |
| Amounts receivable within one year40/41 | €68,007 | €4,293 | ▼ 93.7% |
| Trade receivables40 | €67,404 | €2,546 | ▼ 96.2% |
| Other amounts receivable41 | €602 | €1,748 | ▲ 190% |
| Cash at bank and in hand54/58 | €1,002 | €2,014 | ▲ 101% |
| Deferred charges and accrued income490/1 | - | €7,053 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €110,569 | €58,490 | ▼ 47.1% |
| Equity10/15 | -€22,630 | -€21,065 | ▲ 6.9% |
| Contributions10/11 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | -€25,630 | -€24,065 | ▲ 6.1% |
| Amounts payable17/49 | €133,198 | €79,554 | ▼ 40.3% |
| Amounts payable after more than one year17 | €28,876 | €18,838 | ▼ 34.8% |
| Financial debts170/4 | €28,876 | €18,838 | ▼ 34.8% |
| Amounts payable within one year42/48 | €104,322 | €60,716 | ▼ 41.8% |
| Current portion of amounts payable after more than one year42 | €9,543 | €10,039 | ▲ 5.2% |
| Trade debts44 | €47,371 | €8,552 | ▼ 81.9% |
| Suppliers440/4 | €47,371 | €8,552 | ▼ 81.9% |
| Taxes, remuneration and social security45 | €3,933 | €841 | ▼ 78.6% |
| Taxes450/3 | €3,933 | €841 | ▼ 78.6% |
| Other amounts payable47/48 | €43,474 | €41,284 | ▼ 5.0% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€25,630 | €1,565 | ▲ 106% |
| + Depreciation and write-downs630 | €6,187 | €5,425 | ▼ 12.3% |
| Operating cash flow (approximation) | -€19,443 | €6,990 | ▲ 136% |
| Investment in fixed assets (approximation) | - | -€8,993 | - |
| Change in cash | - | €1,013 | - |
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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
2025
30-06
Financial
Back to profitnet €1,565
Net result €1,565 after one loss-making year.
20-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Sint-Truiden · 1 establishment unit since 2022
Ground area
1,219 m²
Building footprint
241 m²
Volume, LiDAR
1,589 m³
Parcel 71048A0048/00R002, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Figaro
since 20222.334.128.618
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71048A0048/00R002 | Flanders | 1,218 m² | 1 · 241 m² | 10.3 m · 2 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.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-08-2022
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
86931Psychology services
86940Nursing and midwifery
E-invoicing
Reachable via Peppol
Peppol ID
0208:0789405301
Also
9925:BE0789405301
Registered
29-10-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.