FIGEST
ActiveSummary
FIGEST has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €89k and a net result of €-5k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 78% of 1201 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability44▼-29
Solvency99▲+8
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 20.1 against 5.88 in 2023; short-term debt: 4.7% and cash: 4.9% of total assets), and 25.6% of the assets are financed with debt.
Credit check 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 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer 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 2024Solvency, return and age of the figures
Solvency
74.4%
Return on assets
-3.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-10-2025, 90 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
90 d late
2023
21 d late
2022
88 d late
2021
32 d late
2020
23 d late
2019
33 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-5k
2023 · €4k
2018: €1k
2019: €4k▲ +211% vs 2018
2020: €-11k▼ -387% vs 2019lowest in 7 years
2021: €25k▲ +325% vs 2020
2022: €31k▲ +22.1% vs 2021highest in 7 years
2023: €4k▼ -85.8% vs 2022
2024: €-5k▼ -206% vs 2023
2018 → 2024
Working capital
€108k▼ 7.2%
2023 · €116k
2018: €60klowest in 7 years
2019: €64k▲ +6.7% vs 2018
2020: €74k▲ +15.7% vs 2019
2021: €100k▲ +34.6% vs 2020
2022: €112k▲ +11.4% vs 2021
2023: €116k▲ +4.3% vs 2022highest in 7 years
2024: €108k▼ -7.2% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€53k-€78k▲ 47.8%€89k▲ 14.0%€94k▲ 4.9%€89k▼ 5.0%
2020: €53klowest in 5 years
2021: €78k▲ +47.8% vs 2020
2022: €89k▲ +14.0% vs 2021
2023: €94k▲ +4.9% vs 2022highest in 5 years
2024: €89k▼ -5.0% vs 2023
Operating result€13k-€36k▲ 173%€32k▼ 11.2%€5k▼ 84.9%€3k▼ 44.9%
2020: €13k
2021: €36k▲ +173% vs 2020highest in 5 years
2022: €32k▼ -11.2% vs 2021
2023: €5k▼ -84.9% vs 2022
2024: €3k▼ -44.9% vs 2023lowest in 5 years
Net result€-11k-€25k€31k▲ 22.1%€4k▼ 85.8%€-5k
2020: €-11klowest in 5 years
2021: €25k▲ +325% vs 2020
2022: €31k▲ +22.1% vs 2021highest in 5 years
2023: €4k▼ -85.8% vs 2022
2024: €-5k▼ -206% vs 2023
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 45% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €120k
Fixed assets
€6k ▲ 156%
Current assets
€114k ▼ 19.0%
Equity and liabilities €120k
Equity
€89k ▼ 5.0%
Provisions
€25k =
Debt
€6k ▼ 76.3%
Debt's share of the balance-sheet total falls from 16.7% to 4.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▼
2023 · €5k
Cash flow
€-4k▼
2023 · €5k
Current ratio
20.10▲
2023 · 5.88
Debt to equity
0.06▼
2023 · 0.25
ROE
-5.3%▼
2023 · 4.7%
ROA
-3.9%▼
2023 · 3.1%
Interest coverage
3.66▼
2023 · 14.35
Debt ≤ 1 year
€6k▼
2023 · €24k
Income taxes
€6k
Staff costs
€106k▼
2023 · €134k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 42 lines
Balance sheet
Code20232024
Assets
Total assets20/58€143k€120k▼
Fixed assets21/28€2k€6k▲
Tangible fixed assets22/27€2k€6k▲
Other tangible fixed assets26€2k€6k▲
Current assets29/58€140k€114k▼
Amounts receivable within one year40/41€122k€108k▼
Trade receivables40€74k€48k▼
Other amounts receivable41€48k€60k▲
Cash at bank and in hand54/58€18k€6k▼
Equity and liabilities
Total equity and liabilities10/49€143k€120k▼
Equity10/15€94k€89k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€27k€27k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€25k€25k=
Profit (loss) carried forward14€48k€44k▼
Provisions and deferred taxes16€25k€25k=
Provisions for liabilities and charges160/5€25k€25k=
Other liabilities and charges164/5€25k€25k=
Amounts payable17/49€24k€6k▼
Amounts payable within one year42/48€24k€6k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€19k€2k▼
Taxes450/3€3k-
Remuneration and social security454/9€16k€2k▼
Income statement
Code20232024
Remuneration, social security and pensions62€134k€106k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€400€406▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€141k€110k▼
Operating profit (loss)9901€5k€3k▼
Financial charges65/66B€360€828▲
Recurring financial charges65€360€828▲
Profit (loss) for the period before taxes9903€4k€2k▼
Income taxes67/77-€6k
Profit (loss) for the period9904€4k€-5k▼
Profit (loss) for the period to be appropriated9905€4k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€44k▼
Profit (loss) brought forward from the previous period14P€44k€48k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €83k | €93k | €134k | €106k | ▼ 20.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €400 | €400 | €400 | €400 | €406 | ▲ 1.4% |
| Other operating charges640/8 | - | €4k | €2k | €2k | €1k | ▼ 43.7% |
| Gross operating margin9900 | €123k | €123k | €128k | €141k | €110k | ▼ 21.9% |
| Operating profit (loss)9901 | €13k | €36k | €32k | €5k | €3k | ▼ 44.9% |
| Financial charges65/66B | - | €372 | €590 | €360 | €828 | ▲ 130% |
| Recurring financial charges65 | €785 | €361 | €590 | €360 | €828 | ▲ 130% |
| Non-recurring financial charges66B | - | €11 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €12k | €35k | €31k | €4k | €2k | ▼ 59.2% |
| Income taxes67/77 | €24k | €10k | - | - | €6k | - |
| Profit (loss) for the period9904 | €-11k | €25k | €31k | €4k | €-5k | ▼ 206% |
| Profit (loss) for the period to be appropriated9905 | €-11k | €25k | €31k | €4k | €-5k | ▼ 206% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €110k | €140k | €163k | €143k | €120k | ▼ 16.0% |
| Fixed assets21/28 | €4k | €3k | €3k | €2k | €6k | ▲ 156% |
| Tangible fixed assets22/27 | €4k | €3k | €3k | €2k | €6k | ▲ 156% |
| Other tangible fixed assets26 | - | €3k | €3k | €2k | €6k | ▲ 156% |
| Current assets29/58 | €107k | €137k | €160k | €140k | €114k | ▼ 19.0% |
| Amounts receivable within one year40/41 | €86k | €103k | €127k | €122k | €108k | ▼ 11.9% |
| Trade receivables40 | - | €60k | €79k | €74k | €48k | ▼ 35.2% |
| Other amounts receivable41 | - | €43k | €48k | €48k | €60k | ▲ 23.8% |
| Cash at bank and in hand54/58 | €20k | €34k | €33k | €18k | €6k | ▼ 67.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €110k | €140k | €163k | €143k | €120k | ▼ 16.0% |
| Equity10/15 | €53k | €78k | €89k | €94k | €89k | ▼ 5.0% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | - | €19k | €19k | €19k | €19k | = |
| Issued capital100 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €27k | €27k | €27k | €27k | €27k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €25k | €25k | €25k | €25k | = |
| Profit (loss) carried forward14 | €8k | €33k | €44k | €48k | €44k | ▼ 9.7% |
| Provisions and deferred taxes16 | €25k | €25k | €25k | €25k | €25k | = |
| Provisions for liabilities and charges160/5 | - | €25k | €25k | €25k | €25k | = |
| Other liabilities and charges164/5 | - | €25k | €25k | €25k | €25k | = |
| Amounts payable17/49 | €32k | €37k | €49k | €24k | €6k | ▼ 76.3% |
| Amounts payable within one year42/48 | €32k | €37k | €49k | €24k | €6k | ▼ 76.3% |
| Trade debts44 | €22k | €26k | €25k | €5k | €4k | ▼ 14.6% |
| Suppliers440/4 | - | €26k | €25k | €5k | €4k | ▼ 14.6% |
| Taxes, remuneration and social security45 | - | €11k | €24k | €19k | €2k | ▼ 91.1% |
| Taxes450/3 | - | €290 | €6k | €3k | - | - |
| Remuneration and social security454/9 | - | €11k | €18k | €16k | €2k | ▼ 89.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-11k | €25k | €31k | €4k | €-5k | ▼ 206% |
| + Depreciation and write-downs630 | €400 | €400 | €400 | €400 | €406 | ▲ 1.4% |
| Operating cash flow (approximation) | €-11k | €26k | €31k | €5k | €-4k | ▼ 189% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €-4k | - |
| Change in cash | - | €14k | €-588 | €-15k | €-12k | ▲ 20.7% |
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
2026
07-08
State Gazette act
Incorporation · Founder
Corporate purpose · Member admission
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 90 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 20.10
Current ratio from 5.88 to 20.10; short-term debt falls from €24k to €6k.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 21 days late
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 88 days late
2022
31-12
Financial
Highest result since 2018net €31k ▲22.1%
Net result €31k, the highest in the series.
01-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 32 days late
2021
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 23 days late
2020
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 33 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
Show earlier events
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
01-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Charleroi · 2 establishment units since 2004
Ground area
3,482 m²
Building footprint
928 m²
Volume, LiDAR
22,897 m³
2 parcels, Wallonia · tallest building 32.7 m, ±10 floors. Linked by address, not a title deed.
72
companies at this address
See who is registered here
2 establishment units
FIGEST
since 20042.139.596.603
FIGEST SPRL
since 20122.281.048.634
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57087C0107/00F000 | Wallonia | 2,052 m² | 1 · 180 m² | 7.7 m · 2 fl. |
| 52011C0195/00N000 | Wallonia | 1,430 m² | 1 · 748 m² | 32.6 m · 10 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.
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Of 24,497 companies in sector 82990 we hold annual accounts for 9,406. 7,177 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
Founded18-08-2004
Fiscal year end31-12
Activities, NACEBEL 2025
69209Other tax advisory services
82990Other business support services
Contact
Phone
069/779860Charleroi
Fax
069/779861Charleroi
Scores and ratios are computed by Checked and are not a credit decision.