Summary
FILIECAP is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €281,372 and a net result of €12,067. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 94% of 2451 sector peers (fiscal year 2025). The company has been active since 1990 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
30 d late
2022
22 d late
2021
31 d late
2020
31 d late
2019
102 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 39 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 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#8 oldest company in Waterloo, Finance and insurance sector
Equity
€281,372▲ 4.5%
2024 · €269,305
Net result
€12,067
2024 · -€17,632
Total assets
€283,381▲ 4.3%
2024 · €271,701
Solvency
99.3%▲ 0.2pp
2024 · 99.1%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€1,455▼ 1.7%-€3,110▼ 114%-€1,883▲ 39.5%-€16,960▼ 801%-€7,264▲ 57.2%
Net result€5,843within the sector's middle half€5,810within the sector's middle half▼ 0.6%€20,486within the sector's middle half▲ 253%-€17,632below the sector's middle half€12,067within the sector's middle half
Equity€260,641below the sector's middle half▲ 2.3%€266,451below the sector's middle half▲ 2.2%€286,937below the sector's middle half▲ 7.7%€269,305below the sector's middle half▼ 6.1%€281,372below the sector's middle half▲ 4.5%
Total assets€261,890below the sector's middle half▼ 15.4%€268,047below the sector's middle half▲ 2.4%€286,998below the sector's middle half▲ 7.1%€271,701below the sector's middle half▼ 5.3%€283,381below the sector's middle half▲ 4.3%
Debt€1,248▼ 97.7%€1,596▲ 27.8%€61▼ 96.2%€2,396▲ 3,860%€2,010▼ 16.1%
Working capital€260,641within the sector's middle half▲ 2.3%€266,451within the sector's middle half▲ 2.2%€286,937within the sector's middle half▲ 7.7%€269,305within the sector's middle half▼ 6.1%€281,827within the sector's middle half▲ 4.6%
Solvency99.5%above the sector's middle half▲ 17.2pp99.4%above the sector's middle half▼ 0.1pp100.0%above the sector's middle half▲ 0.6pp99.1%above the sector's middle half▼ 0.9pp99.3%above the sector's middle half▲ 0.2pp
Current ratio
Return on assets (ROA)2.2%within the sector's middle half▲ 8.0pp2.2%within the sector's middle half▼ 0.1pp7.1%within the sector's middle half▲ 5.0pp-6.5%below the sector's middle half▼ 13.6pp4.3%within the sector's middle half▲ 10.7pp
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.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7,264 in 2025 against €16,960 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €283,381
Equity
€281,372 ▲ 4.5%
Debt
€2,010 ▼ 16.1%
Debt's share of the balance-sheet total falls from 0.9% to 0.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.3%▲
2024 · -6.5%
Debt ≤ 1 year
€1,554▼
2024 · €2,396
A ratio outside any meaningful range has been withheld (balance sheet total €283,381, equity €281,372).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €568 | €568 | €384 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | -€887 | -€2,542 | -€1,498 | -€16,572 | -€6,864 | ▲ 58.6% |
| Operating profit (loss)9901 | -€1,455 | -€3,110 | -€1,883 | -€16,960 | -€7,264 | ▲ 57.2% |
| Financial income75/76B | €2,350 | €4,047 | €13,574 | €2,835 | €3,489 | ▲ 23.1% |
| Recurring financial income75 | €2,350 | €4,047 | €13,574 | €2,835 | €3,489 | ▲ 23.1% |
| Financial charges65/66B | -€4,947 | -€4,873 | -€8,795 | €3,507 | -€15,842 | ▼ 552% |
| Recurring financial charges65 | -€4,947 | -€4,873 | -€8,795 | €3,507 | -€15,842 | ▼ 552% |
| Profit (loss) for the period before taxes9903 | €5,843 | €5,810 | €20,486 | -€17,632 | €12,067 | ▲ 168% |
| Income taxes67/77 | -€0 | - | - | - | - | - |
| Profit (loss) for the period9904 | €5,843 | €5,810 | €20,486 | -€17,632 | €12,067 | ▲ 168% |
| Profit (loss) for the period to be appropriated9905 | €5,843 | €5,810 | €20,486 | -€17,632 | €12,067 | ▲ 168% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €261,890 | €268,047 | €286,998 | €271,701 | €283,381 | ▲ 4.3% |
| Current assets29/58 | €261,890 | €268,047 | €286,998 | €271,701 | €283,381 | ▲ 4.3% |
| Amounts receivable within one year40/41 | €2,808 | €3,360 | €3,773 | €3,618 | €3,530 | ▼ 2.4% |
| Trade receivables40 | €1,998 | €1,650 | €1,650 | €1,650 | €1,650 | = |
| Other amounts receivable41 | €810 | €1,710 | €2,123 | €1,968 | €1,880 | ▼ 4.5% |
| Current investments50/53 | €159,871 | €140,763 | €143,094 | €140,175 | €156,630 | ▲ 11.7% |
| Cash at bank and in hand54/58 | €98,211 | €122,925 | €139,131 | €126,908 | €122,037 | ▼ 3.8% |
| Deferred charges and accrued income490/1 | €1,000 | €1,000 | €1,000 | €1,000 | €1,185 | ▲ 18.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €261,890 | €268,047 | €286,998 | €271,701 | €283,381 | ▲ 4.3% |
| Equity10/15 | €260,641 | €266,451 | €286,937 | €269,305 | €281,372 | ▲ 4.5% |
| Contributions10/11 | €70,000 | €70,000 | €70,000 | €70,000 | €70,000 | = |
| Capital10 | €70,000 | €70,000 | €70,000 | €70,000 | €70,000 | = |
| Issued capital100 | €70,000 | €70,000 | €70,000 | €70,000 | €70,000 | = |
| Reserves13 | €50,792 | €50,792 | €50,792 | €50,792 | €50,792 | = |
| Non-distributable reserves130/1 | €32,200 | €32,200 | €32,200 | €32,200 | €32,200 | = |
| Legal reserve130 | €32,200 | €32,200 | €32,200 | €32,200 | €32,200 | = |
| Distributable reserves133 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Profit (loss) carried forward14 | €139,849 | €145,659 | €166,145 | €148,513 | €160,580 | ▲ 8.1% |
| Amounts payable17/49 | €1,248 | €1,596 | €61 | €2,396 | €2,010 | ▼ 16.1% |
| Amounts payable within one year42/48 | €1,248 | €1,596 | €61 | €2,396 | €1,554 | ▼ 35.1% |
| Trade debts44 | - | €348 | €61 | €2,396 | €1,554 | ▼ 35.1% |
| Suppliers440/4 | - | €348 | €61 | €2,396 | €1,554 | ▼ 35.1% |
| Other amounts payable47/48 | €1,248 | €1,248 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €455 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,843 | €5,810 | €20,486 | -€17,632 | €12,067 | ▲ 168% |
| Operating cash flow (approximation) | €5,843 | €5,810 | €20,486 | -€17,632 | €12,067 | ▲ 168% |
| Change in cash | - | €24,714 | €16,207 | -€12,223 | -€4,871 | ▲ 60.1% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-12
Financial
Back to profitnet €12,067
Net result €12,067 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Liquidity times 28current ratio 4743.76
Current ratio from 167.96 to 4743.76; short-term debt falls from €1,596 to €61.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 22 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Back to profitnet €5,843
Net result €5,843 after one loss-making year.
31-12
Financial
Liquidity times 37current ratio 209.78
Current ratio from 5.67 to 209.78; short-term debt falls from €54,608 to €1,248.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet -€17,838
Net result drops to -€17,838, the lowest in the series; recovery starts the following year.
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 102 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €28,937
Net result €28,937 after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 7.83
Current ratio from 3.76 to 7.83; short-term debt falls from €54,927 to €39,923.
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 56 days late
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 52 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Waterloo · 1 establishment unit since 1991
Ground area
1,273 m²
Building footprint
1,069 m²
Volume, LiDAR
12,507 m³
Parcel 25763L0424/00D000, Wallonia · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
143
companies at this address
See who is registered here
1 establishment unit
Rue du Bois St-Jean 14, 4102 Seraing
since 19912.051.040.947
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763L0424/00D000 | Wallonia | 1,273 m² | 1 · 1,069 m² | 13.0 m · 4 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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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 13,745 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded27-07-1990
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Not found in the Peppol register
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Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.