FILECO
ActiveSummary
FILECO has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €355k and a net result of €25k. Equity is shrinking by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 23% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability64▼-1
Solvency49▲+2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity short (current ratio 0.05 against 0.21 in 2024; short-term debt: 18.3% and cash: 0.2% of total assets), and 76.2% 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% 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
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
23.8%
Return on assets
1.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 17090 sector peers (2025).
NBB · sector comparisonPosition among 17090 sector peers
Solvency
better than 23%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €355k
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
26 d late
2023
15 d early
2022
62 d early
2021
23 d late
2020
60 d early
2019
21 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€355k▲ 7.5%
2024 · €330k
2018: €395k
2019: €404k▲ +2.4% vs 2018highest in 8 years
2020: €401k▼ -0.7% vs 2019
2021: €370k▼ -7.9% vs 2020
2022: €336k▼ -9.0% vs 2021
2023: €292k▼ -13.3% vs 2022lowest in 8 years
2024: €330k▲ +13.3% vs 2023
2025: €355k▲ +7.5% vs 2024
2018 → 2025
Total assets
€1.49M▼ 2.4%
2024 · €1.53M
2018: €888klowest in 8 years
2019: €1.01M▲ +14.1% vs 2018
2020: €1.24M▲ +21.9% vs 2019
2021: €1.34M▲ +8.8% vs 2020
2022: €1.43M▲ +6.8% vs 2021
2023: €1.58M▲ +10.3% vs 2022highest in 8 years
2024: €1.53M▼ -3.2% vs 2023
2025: €1.49M▼ -2.4% vs 2024
2018 → 2025
Net result
€25k▼ 36.1%
2024 · €39k
2018: €-8k
2019: €-7k▲ +8.2% vs 2018
2020: €-3k▲ +60.5% vs 2019
2021: €-32k▼ -1015% vs 2020
2022: €-33k▼ -5.4% vs 2021
2023: €-45k▼ -34.5% vs 2022lowest in 8 years
2024: €39k▲ +187% vs 2023highest in 8 years
2025: €25k▼ -36.1% vs 2024
2018 → 2025
Working capital
€-260k▼ 39.1%
2024 · €-187k
2018: €-222k
2019: €-242k▼ -8.9% vs 2018
2020: €-289k▼ -19.5% vs 2019
2021: €-327k▼ -13.5% vs 2020lowest in 8 years
2022: €-293k▲ +10.4% vs 2021
2023: €-219k▲ +25.3% vs 2022
2024: €-187k▲ +14.9% vs 2023highest in 8 years
2025: €-260k▼ -39.1% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€370k-€336k▼ 9.0%€292k▼ 13.3%€330k▲ 13.3%€355k▲ 7.5%
2021: €370khighest in 5 years
2022: €336k▼ -9.0% vs 2021
2023: €292k▼ -13.3% vs 2022lowest in 5 years
2024: €330k▲ +13.3% vs 2023
2025: €355k▲ +7.5% vs 2024
Operating result€-8k-€-10k▼ 21.7%€-7k▲ 24.7%€90k€86k▼ 4.4%
2021: €-8k
2022: €-10k▼ -21.7% vs 2021lowest in 5 years
2023: €-7k▲ +24.7% vs 2022
2024: €90k▲ +1330% vs 2023highest in 5 years
2025: €86k▼ -4.4% vs 2024
Net result€-32k-€-33k▼ 5.4%€-45k▼ 34.5%€39k€25k▼ 36.1%
2021: €-32k
2022: €-33k▼ -5.4% vs 2021
2023: €-45k▼ -34.5% vs 2022lowest in 5 years
2024: €39k▲ +187% vs 2023highest in 5 years
2025: €25k▼ -36.1% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.49M
Fixed assets
€1.48M ▼ 0.1%
Current assets
€14k ▼ 71.9%
Equity and liabilities €1.49M
Equity
€355k ▲ 7.5%
Provisions
€17k ▼ 13.4%
Debt
€1.12M ▼ 5.0%
Debt's share of the balance-sheet total falls from 77.1% to 75.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€236k▼
2024 · €240k
Cash flow
€175k▼
2024 · €189k
Current ratio
0.05▼
2024 · 0.21
Debt to equity
3.16▼
2024 · 3.58
ROE
7.0%▼
2024 · 11.7%
ROA
1.7%▼
2024 · 2.5%
Interest coverage
5.22▲
2024 · 5.13
Debt ≤ 1 year
€274k▲
2024 · €237k
Debt > 1 year
€848k▼
2024 · €943k
Income taxes
€19k▲
2024 · €7k
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 · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.53M€1.49M▼
Fixed assets21/28€1.48M€1.48M▼
Tangible fixed assets22/27€1.48M€1.48M▼
Land and buildings22€1.46M€1.47M▲
Plant, machinery and equipment23€51€0▼
Furniture and vehicles24€13k€10k▼
Other tangible fixed assets26€4k€3k▼
Current assets29/58€51k€14k▼
Amounts receivable within one year40/41€39k€7k▼
Trade receivables40€38k€6k▼
Other amounts receivable41€904€904=
Cash at bank and in hand54/58€8k€3k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.53M€1.49M▼
Equity10/15€330k€355k▲
Contributions10/11€19k€19k=
Reserves13€230k€254k▲
Tax-exempt reserves132€80k€69k▼
Distributable reserves133€150k€185k▲
Profit (loss) carried forward14€82k€82k=
Provisions and deferred taxes16€20k€17k▼
Deferred taxes168€20k€17k▼
Amounts payable17/49€1.18M€1.12M▼
Amounts payable after more than one year17€943k€848k▼
Financial debts170/4€933k€838k▼
Other amounts payable178/9€10k€10k▼
Amounts payable within one year42/48€237k€274k▲
Trade debts44€386€671▲
Suppliers440/4€386€671▲
Taxes, remuneration and social security45€21k€19k▼
Taxes450/3€21k€19k▼
Other amounts payable47/48€216k€254k▲
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€150k€150k▼
Other operating charges640/8€9k€34k▲
Gross operating margin9900€249k€270k▲
Operating profit (loss)9901€90k€86k▼
Financial charges65/66B€47k€45k▼
Recurring financial charges65€47k€45k▼
Profit (loss) for the period before taxes9903€43k€41k▼
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€7k€19k▲
Profit (loss) for the period9904€39k€25k▼
Transfer from tax-exempt reserves789€11k€11k=
Profit (loss) for the period to be appropriated9905€49k€35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€131k€117k▼
Profit (loss) brought forward from the previous period14P€82k€82k=
Transfer to equity691/2€49k€35k▼
To other reserves6921€49k€35k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €54 | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €109k | €126k | €141k | €150k | €150k | ▼ 0.2% |
| Other operating charges640/8 | €28k | €7k | €8k | €9k | €34k | ▲ 263% |
| Gross operating margin9900 | €129k | €124k | €142k | €249k | €270k | ▲ 8.2% |
| Operating profit (loss)9901 | €-8k | €-10k | €-7k | €90k | €86k | ▼ 4.4% |
| Financial income75/76B | €534 | €0 | - | - | - | - |
| Recurring financial income75 | €534 | €0 | - | - | - | - |
| Financial charges65/66B | €27k | €26k | €40k | €47k | €45k | ▼ 3.6% |
| Recurring financial charges65 | €27k | €26k | €40k | €47k | €45k | ▼ 3.6% |
| Profit (loss) for the period before taxes9903 | €-34k | €-36k | €-47k | €43k | €41k | ▼ 5.2% |
| Transfer from deferred taxes780 | €3k | €3k | €3k | €3k | €3k | = |
| Income taxes67/77 | €219 | €236 | €261 | €7k | €19k | ▲ 168% |
| Profit (loss) for the period9904 | €-32k | €-33k | €-45k | €39k | €25k | ▼ 36.1% |
| Transfer from tax-exempt reserves789 | €11k | €11k | €11k | €11k | €11k | = |
| Profit (loss) for the period to be appropriated9905 | €-21k | €-23k | €-34k | €49k | €35k | ▼ 28.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.34M | €1.43M | €1.58M | €1.53M | €1.49M | ▼ 2.4% |
| Fixed assets21/28 | €1.28M | €1.35M | €1.53M | €1.48M | €1.48M | ▼ 0.1% |
| Tangible fixed assets22/27 | €1.28M | €1.35M | €1.53M | €1.48M | €1.48M | ▼ 0.1% |
| Land and buildings22 | €1.27M | €1.34M | €1.52M | €1.46M | €1.47M | ▲ 0.2% |
| Plant, machinery and equipment23 | €2k | €1k | €551 | €51 | €0 | ▼ 100% |
| Furniture and vehicles24 | €9k | €7k | €4k | €13k | €10k | ▼ 25.9% |
| Other tangible fixed assets26 | - | - | - | €4k | €3k | ▼ 22.1% |
| Current assets29/58 | €63k | €86k | €55k | €51k | €14k | ▼ 71.9% |
| Amounts receivable within one year40/41 | €42k | €70k | €45k | €39k | €7k | ▼ 81.1% |
| Trade receivables40 | €39k | €67k | €44k | €38k | €6k | ▼ 83.0% |
| Other amounts receivable41 | €3k | €3k | €899 | €904 | €904 | = |
| Cash at bank and in hand54/58 | €19k | €14k | €7k | €8k | €3k | ▼ 64.6% |
| Deferred charges and accrued income490/1 | €2k | €3k | €4k | €4k | €4k | ▲ 4.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.34M | €1.43M | €1.58M | €1.53M | €1.49M | ▼ 2.4% |
| Equity10/15 | €370k | €336k | €292k | €330k | €355k | ▲ 7.5% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €212k | €202k | €191k | €230k | €254k | ▲ 10.8% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Tax-exempt reserves132 | €112k | €101k | €90k | €80k | €69k | ▼ 13.4% |
| Distributable reserves133 | €99k | €99k | €100k | €150k | €185k | ▲ 23.6% |
| Profit (loss) carried forward14 | €139k | €116k | €82k | €82k | €82k | = |
| Provisions and deferred taxes16 | €28k | €25k | €23k | €20k | €17k | ▼ 13.4% |
| Deferred taxes168 | €28k | €25k | €23k | €20k | €17k | ▼ 13.4% |
| Amounts payable17/49 | €946k | €1.07M | €1.27M | €1.18M | €1.12M | ▼ 5.0% |
| Amounts payable after more than one year17 | €553k | €693k | €993k | €943k | €848k | ▼ 10.1% |
| Financial debts170/4 | €543k | €683k | €983k | €933k | €838k | ▼ 10.2% |
| Other amounts payable178/9 | €10k | €11k | €11k | €10k | €10k | ▼ 0.2% |
| Amounts payable within one year42/48 | €390k | €380k | €274k | €237k | €274k | ▲ 15.4% |
| Trade debts44 | €3k | €624 | €32k | €386 | €671 | ▲ 73.8% |
| Suppliers440/4 | €3k | €624 | €32k | €386 | €671 | ▲ 73.8% |
| Taxes, remuneration and social security45 | €13k | €10k | €22k | €21k | €19k | ▼ 12.4% |
| Taxes450/3 | €13k | €10k | €22k | €21k | €19k | ▼ 12.4% |
| Other amounts payable47/48 | €374k | €369k | €220k | €216k | €254k | ▲ 18.0% |
| Accrued charges and deferred income492/3 | €3k | €0 | - | €1k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-32k | €-33k | €-45k | €39k | €25k | ▼ 36.1% |
| + Depreciation and write-downs630 | €109k | €126k | €141k | €150k | €150k | ▼ 0.2% |
| Operating cash flow (approximation) | €78k | €93k | €96k | €189k | €175k | ▼ 7.5% |
| Investment in fixed assets (approximation) | - | €-194k | €-319k | €-104k | €-149k | ▼ 42.8% |
| Change in cash | - | €-5k | €-7k | €1k | €-5k | ▼ 564% |
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €39k
Net result €39k after 6 loss-making years.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-45k
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
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, Landen · 1 establishment unit since 1998
Ground area
2,315 m²
Building footprint
292 m²
Volume, LiDAR
2,119 m³
Parcel 24059A1223/00N000, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
Maartstraat 15, 3400 Landen
since 19982.088.158.491
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24059A1223/00N000 | Flanders | 2,315 m² | 1 · 292 m² | 12.4 m · 3 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.
Similar companies · same sector, comparable size
Between the Brackets
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KUBERA
BE 0808.853.603
Londerzeel · Eq €355,177
Christophe Traina Consulting
BE 0657.777.289
Aarschot · Eq €354,755
Lysitech
BE 0878.372.513
Rotselaar · Eq €354,748
Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 13,255 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
Founded28-08-1998
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.