FIOQCO 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 €1.63M and a net result of €96k. Equity is growing by ~47.3% per year across the filed fiscal years. Its solvency ranks better than 92% of 8018 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 02-07-2026, 29 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
29 d early
2024
30 d late
2023
27 d early
2022
31 d late
2021
30 d late
2020
17 d late
2019
27 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.63M▲ 6.2%
2024 · €1.53M
2018: €110k
2019: €202k
2020: €275k
2021: €355k
2022: €467k
2023: €1.35M
2024: €1.53M
2018 → 2025
Net result
€96k▼ 46.4%
2024 · €180k
2018: €91k
2019: €93k
2020: €74k
2021: €80k
2022: €113k
2023: €887k
2024: €180k
2018 → 2025
Total assets
€1.74M▲ 2.0%
2024 · €1.70M
2018: €335k
2019: €345k
2020: €369k
2021: €398k
2022: €503k
2023: €1.47M
2024: €1.70M
2018 → 2025
Solvency
93.7%▲ 3.8pp
2024 · 89.9%
2018: 32.9%
2019: 58.6%
2020: 74.6%
2021: 89.2%
2022: 92.8%
2023: 92.3%
2024: 89.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€355k-€467k▲ 31.5%€1.35M▲ 190%€1.53M▲ 13.2%€1.63M▲ 6.2%
Operating result€35k-€27k▼ 24.2%€47k▲ 75.6%€106k▲ 127%€109k▲ 2.6%
Net result€80k-€113k▲ 40.1%€887k▲ 688%€180k▼ 79.8%€96k▼ 46.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.74M
Fixed assets
€6k▲ 409%
Current assets
€1.73M▲ 1.7%
Equity and liabilities €1.74M
Equity
€1.63M▲ 6.2%
Debt
€109k▼ 36.2%
The debt ratio falls from 10.1% to 6.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
93.7%▲
2024 · 89.9%
ROE
5.9%▼
2024 · 11.7%
ROA
5.5%▼
2024 · 10.5%
Debt
€109k▼
2024 · €171k
Debt ≤ 1 year
€109k▼
2024 · €170k
Income taxes
€46k▼
2024 · €91k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.70M€1.74M▲
Fixed assets21/28€1k€6k▲
Tangible fixed assets22/27€1k€6k▲
Plant, machinery and equipment23€1k€712▼
Furniture and vehicles24-€6k
Current assets29/58€1.70M€1.73M▲
Amounts receivable after more than one year29€150k€250k▲
Other amounts receivable291€150k€250k▲
Amounts receivable within one year40/41€14k€14k▲
Trade receivables40€14k€14k▲
Current investments50/53€1.51M€1.43M▼
Cash at bank and in hand54/58€23k€24k▲
Deferred charges and accrued income490/1€6k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.70M€1.74M▲
Equity10/15€1.53M€1.63M▲
Contributions10/11€19k€19k=
Reserves13€1.51M€1.60M▲
Distributable reserves133€1.51M€1.60M▲
Profit (loss) carried forward14€3k€4k▲
Amounts payable17/49€171k€109k▼
Amounts payable within one year42/48€170k€109k▼
Trade debts44€333€671▲
Suppliers440/4€333€671▲
Taxes, remuneration and social security45€146k€85k▼
Taxes450/3€146k€85k▼
Other amounts payable47/48€24k€23k▼
Accrued charges and deferred income492/3€780€395▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€981€624▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€109k€112k▲
Operating profit (loss)9901€106k€109k▲
Financial income75/76B€166k€35k▼
Recurring financial income75€166k€35k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€270k€142k▼
Income taxes67/77€91k€46k▼
Profit (loss) for the period9904€180k€96k▼
Profit (loss) for the period to be appropriated9905€180k€96k▼
Appropriation of the result
Profit (loss) to be appropriated9906€182k€100k▼
Profit (loss) brought forward from the previous period14P€3k€3k▲
Transfer to equity691/2€178k€95k▼
To other reserves6921€178k€95k▼
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €887k ▲688%
Net result €887k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 13.19
Current ratio from 6.04 to 13.19.
31-12
Financial
Equity above €1MEq €1.35M ▲190%
6 profitable years in a row build equity to €1.35M.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 6.04
Current ratio from 2.39 to 6.04; short-term debt falls from €43k to €36k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 2.39
Current ratio from 0.90 to 2.39; short-term debt falls from €94k to €43k.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Weakest financial yearnet €74k ▼20.8%
Net result drops to €74k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €202k ▲83.8%
2 profitable years in a row build equity to €202k.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Geraardsbergen · 1 establishment unit since 2017
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Boekevijverstraat(Zan) 149506 GeraardsbergenGround area
317 m²
Building footprint
105 m²
Volume, LiDAR
412 m³
Parcel 41078B0608/00M000, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FIOQCO
since 20172.265.720.060
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41078B0608/00M000 | Flanders | 317 m² | 1 · 105 m² | 6.4 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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 19,764. 11,515 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.