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 9,754 sector peers (NACE 64, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 04-08-2022 Normal situation
- Activity
- Activities of holding companies NACE 64210and 2 others
- Establishment unit
- 2.334.128.618 3800 Sint-Truiden, since 04-08-2022
- Financial year end
- 30 June
- Peppol
- Reachable since 29-10-2024
Board and ownership
Board
- CARLIER Lieze Carine JosDirector · since 04-08-2022
- GroffI MathiasDirector · since 01-05-2024
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts to 30-06-2025
- Profit
- €1,565
- Equity
- -€21,065
- ▲ 6.9%
- Total assets
- €58,490
- ▼ 47.1%
- Negative equity on 30-06-2025
- 2025 accounts filed 47 days after the deadline
Signalsraises riskWeak solvency compared with the sector2025 accounts filed 47 days lateShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9754 sector peers (2025).
NBB · sector comparisonPosition among 9754 sector peers
Solvency
better than 5%
← weakest
strongest →
raises risk · 2025 accounts filed 47 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
47 days late
2024
11 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 18 days after the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end03-11-2026 today31-01-2027 deadline
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 47 days after the deadline Filed on 19 March 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00057914.
Annual accounts 2025 filed on 19-03-2026 PDF all 2 filings
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%
Multi-year overview
2024 to 2025, 2 financial yearsOperating result
€6,593
2025
20242025
Net result
€1,565
2025
lowest quarter of the sector
20242025
Equity
-€21,065
▲ 6.9%
2025
lowest quarter of the sector
20242025
Total assets
€58,490
▼ 47.1%
2025
lowest quarter of the sector
20242025
Debt
€79,554
▼ 40.3%
2025
20242025
Working capital
-€47,355
▼ 34.1%
2025
lowest quarter of the sector
20242025
Solvency
-36.0%
▼ 15.5pp
2025
lowest quarter of the sector
20242025
Current ratio
0.22
▼ 0.44
2025
lowest quarter of the sector
20242025
Return on assets (ROA)
2.7%
▲ 25.9pp
2025
middle half of the sector
20242025
Every figure per financial year
Every figure with its change against the financial 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 sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a profit of €6,593, after a loss of €16,851 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
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%
Equity and liabilities
Equity-€21,065
Debt€79,554
Equity is negative. Debt (€79,554) exceeds the balance-sheet total (€58,490).
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.
Investments
| Item | 30-06-2024 | 30-06-2025 |
|---|---|---|
| Tangible fixed assets | €101,747 | €9,880 |
| Depreciation and write-downs of the year | €6,187 | €5,425 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
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 | - |
| Operating profit (loss)9901 | -€16,851 | €6,593 | - |
| 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 | - |
| Income taxes67/77 | €554 | €145 | ▼ 73.9% |
| Profit (loss) for the period9904 | -€25,630 | €1,565 | - |
| Profit (loss) for the period to be appropriated9905 | -€25,630 | €1,565 | - |
| 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 | - |
| + Depreciation and write-downs630 | €6,187 | €5,425 | ▼ 12.3% |
| Operating cash flow (approximation) | -€19,443 | €6,990 | - |
| Investment in fixed assets (approximation) | - | -€8,993 | - |
| Change in cash | - | €1,013 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Directors
2 directors, no change since 2025
CARLIER Lieze Carine Jos
Current
Bestuurder niet statutair · since 04-08-2022 · term without a fixed end · listed in the 2025 annual accounts, filed on 19-03-2026
Current
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 08-08-2022Owners and capital
Shareholders
At incorporation
act of 08-08-2022 ↗
- LAUWERIJS Diederik Paul Remi Gerry 50 shares (50%) · €1,500
- CARLIER Lieze Carine Jos 50 shares (50%) · €1,500
Capital transactions
Capital over time
- 08-08-2022 Incorporation · €3,000 · 100 shares
Mandate history
4 people, 2 in office
- Board
- began earlier
- end not dated
| Name | Functions and periods |
|---|---|
| CARLIER Lieze Carine Jos |
|
| GroffI Mathias |
|
| Lauwerijs Diederik |
|
| LAUWERIJS Diederik Paul Remi Gerry |
|
Articles of association
Capital, shares and profit
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- “Aandeelhouders mogen kennis nemen betreffende hun effecten, register van aandelen op naam met vermeldingen voorgeschreven door Wetboek van…”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Na aftrek van aandelen waarvan overdracht wordt voorgesteld, ten minste helft der aandeelhouders”
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 08-08-2022 (in Dutch)
Network & group
FIGARO shares no director with another company.
Companies at the same address
1 other companyConnections & network
2 current directorsThe network starts from the directors of FIGARO. Every other company they run is a node.
This company
Company
Director
Shareholding
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Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
19-03
micro format · 47 days late
2025
30-06
Financial
Back to profitnet €1,565
The net result is €1,565, after one loss-making year.
27-03
Gazette deed
Appointment: GroffI Mathias (director)Resignation: Lauwerijs Diederik (director)4 points ▸
Gazette deed
Appointment: GroffI Mathias (director)
Resignation: Lauwerijs Diederik (director)4 points ▸
- General meeting, 16-09-2024
- Director appointment, GroffI Mathias (director)
- Director resignation, Lauwerijs Diederik (director)
- Director in office, Lieze Carlier (director)
20-01
micro format · 11 days before the deadline
2022
08-08
Gazette deed
IncorporationStarting capital €3,000 · Appointments: LAUWERIJS Diederik Paul Remi Gerry (bestuurder niet statutair) and CARLIER Lieze Carine Jos (bestuurder niet statutair) · Founder11 points ▸
Gazette deed
Incorporation
Starting capital €3,000 · Appointments: LAUWERIJS Diederik Paul Remi Gerry (bestuurder niet statutair) and CARLIER Lieze Carine Jos (bestuurder niet statutair) · Founder11 points ▸
- Incorporation, 04-08-2022
- Founder, LAUWERIJS Diederik Paul Remi Gerry
- Founder, CARLIER Lieze Carine Jos
- Founding capital, €3,000
- Bank account, “vennootschap in oprichting, BE06 1431 2039 8222” (deed in Dutch)
- Other provision, “bevestiging deponering inbreng in geld”, 3000 (deed in Dutch)
- Registered office clause, “3800 Sint-Truiden,Horionlaan 37” (deed in Dutch)
- Other provision, “nog niet beschikbaar, website e-mailadres” (deed in Dutch)
- Board rule, 2
- Director appointment, LAUWERIJS Diederik Paul Remi Gerry (bestuurder niet statutair)
- Director appointment, CARLIER Lieze Carine Jos (bestuurder niet statutair)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
FIGARO was incorporated on 4 August 2022 as a private limited company by two natural persons, with a starting capital of €3,000.12 The board currently has 2 members. CARLIER Lieze Carine Jos has served longest, since 2022.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.4
Company details
Register details
Identity
KBO recordName
FIGARO in Dutch
Enterprise number
0789.405.301
Legal form
Private limited company
Status
Active, normale toestand
Founded
04-08-2022
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 08-08-2022 (in Dutch)Registered office and establishments
Registered office
Horionlaan 37, 3800 Sint-Truiden, Belgium
Establishment unit
Figaro, Horionlaan 37, 3800 Sint-Truiden since 04-08-2022 · unit number 2.334.128.61868110 Buying and selling of own real estate
Activities
NACEBEL 202564210
Activities of holding companies main activity
86931
Psychology services
86940
Nursing and midwifery
Codes under NACEBEL 2008
64200
Holdings main activity
86904
Human health activities
86906
Human health activities
Invoicing and payment
VAT number
BE 0789.405.301
Financial year and general meeting
Accounts at the NBBFinancial year end
30-06
Sites & property
Location
Buildings and parcels at the address
Ground area
1,219 m²
Building footprint
241 m²
Building volume
1,589 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 71048A0048/00R002 | Flanders | 1,218 m² | 1 · 241 m² | 10.3 m · 2 |