FIPOS
ActiveSummary
FIPOS 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 (-€128,489) and a net result of -€71,376. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 8094 sector peers (fiscal year 2025). The company has been active since 2021 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8094 sector peers (2025).
NBB · sector comparisonPosition among 8094 sector peers
Solvency
better than 5%
← weakest
strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
14 d early
2024
1 d late
2023
12 d early
2022
72 d late
2021
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 15 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 1 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€128,489▼ 125%
2024 · -€57,113
Net result
-€71,376▲ 23.5%
2024 · -€93,265
Total assets
€479,757▲ 58.6%
2024 · €302,484
Solvency
-26.8%▼ 7.9pp
2024 · -18.9%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€3,645--€49,924▼ 1,270%-€44,537▲ 10.8%-€93,235▼ 109%-€71,320▲ 23.5%
Net result-€3,645below the sector's middle half--€49,959below the sector's middle half▼ 1,271%-€49,139below the sector's middle half▲ 1.6%-€93,265below the sector's middle half▼ 89.8%-€71,376below the sector's middle half▲ 23.5%
Equity-€2,145below the sector's middle half-€77,896within the sector's middle half€36,152below the sector's middle half▼ 53.6%-€57,113below the sector's middle half-€128,489below the sector's middle half▼ 125%
Total assets€1,700below the sector's middle half-€376,221within the sector's middle half▲ 22,031%€294,931within the sector's middle half▼ 21.6%€302,484within the sector's middle half▲ 2.6%€479,757within the sector's middle half▲ 58.6%
Debt€3,845-€298,326▲ 7,659%€258,779▼ 13.3%€359,597▲ 39.0%€608,245▲ 69.1%
Working capital-€2,345within the sector's middle half-€9,256within the sector's middle half-€81,975below the sector's middle half-€210,827below the sector's middle half▼ 157%-€318,060below the sector's middle half▼ 50.9%
Solvency-126.2%below the sector's middle half-20.7%below the sector's middle half▲ 146.9pp12.3%below the sector's middle half▼ 8.4pp-18.9%below the sector's middle half▼ 31.1pp-26.8%below the sector's middle half▼ 7.9pp
Current ratio1.03within the sector's middle half0.68below the sector's middle half▼ 0.350.41below the sector's middle half▼ 0.270.48below the sector's middle half▲ 0.06
Return on assets (ROA)-13.3%below the sector's middle half-16.7%below the sector's middle half▼ 3.4pp-30.8%below the sector's middle half▼ 14.2pp-14.9%below the sector's middle half▲ 16.0pp
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.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €71,320 in 2025 against €93,235 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €479,757
Fixed assets
€189,572 ▲ 23.3%
Current assets
€290,185 ▲ 95.1%
Key figures and ratios
Debt ≤ 1 year
€608,245▲
2024 · €359,597
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €5,460 | €18,833 | €28,282 | €28,682 | ▲ 1.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €9,381 | - |
| Other operating charges640/8 | - | €348 | €384 | €387 | €1,055 | ▲ 172% |
| Gross operating margin9900 | -€3,645 | -€44,117 | -€25,320 | -€64,565 | -€32,202 | ▲ 50.1% |
| Operating profit (loss)9901 | -€3,645 | -€49,924 | -€44,537 | -€93,235 | -€71,320 | ▲ 23.5% |
| Financial income75/76B | - | €15 | - | €16 | €4 | ▼ 72.1% |
| Recurring financial income75 | - | €15 | - | €16 | €4 | ▼ 72.1% |
| Financial charges65/66B | - | €50 | €4,602 | €46 | €60 | ▲ 31.4% |
| Recurring financial charges65 | - | €50 | €128 | €46 | €60 | ▲ 31.4% |
| Non-recurring financial charges66B | - | - | €4,474 | - | - | - |
| Profit (loss) for the period before taxes9903 | -€3,645 | -€49,959 | -€49,139 | -€93,265 | -€71,376 | ▲ 23.5% |
| Profit (loss) for the period9904 | -€3,645 | -€49,959 | -€49,139 | -€93,265 | -€71,376 | ▲ 23.5% |
| Profit (loss) for the period to be appropriated9905 | -€3,645 | -€49,959 | -€49,139 | -€93,265 | -€71,376 | ▲ 23.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1,700 | €376,221 | €294,931 | €302,484 | €479,757 | ▲ 58.6% |
| Fixed assets21/28 | €200 | €68,640 | €118,128 | €153,714 | €189,572 | ▲ 23.3% |
| Intangible fixed assets21 | - | €67,440 | €116,902 | €148,202 | €176,003 | ▲ 18.8% |
| Tangible fixed assets22/27 | - | - | - | €1,285 | €842 | ▼ 34.5% |
| Furniture and vehicles24 | - | - | - | €1,285 | €842 | ▼ 34.5% |
| Financial fixed assets28 | €200 | €1,200 | €1,226 | €4,226 | €12,726 | ▲ 201% |
| Current assets29/58 | €1,500 | €307,581 | €176,803 | €148,770 | €290,185 | ▲ 95.1% |
| Amounts receivable within one year40/41 | €1,500 | €177,086 | €28,957 | €57,107 | €163,275 | ▲ 186% |
| Trade receivables40 | - | €174,911 | €25,622 | €52,947 | €158,246 | ▲ 199% |
| Other amounts receivable41 | €1,500 | €2,175 | €3,335 | €4,161 | €5,029 | ▲ 20.9% |
| Cash at bank and in hand54/58 | - | €127,592 | €143,771 | €81,963 | €123,982 | ▲ 51.3% |
| Deferred charges and accrued income490/1 | - | €2,903 | €4,075 | €9,699 | €2,928 | ▼ 69.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1,700 | €376,221 | €294,931 | €302,484 | €479,757 | ▲ 58.6% |
| Equity10/15 | -€2,145 | €77,896 | €36,152 | -€57,113 | -€128,489 | ▼ 125% |
| Contributions10/11 | €1,500 | €131,500 | €138,895 | €138,895 | €138,895 | = |
| Profit (loss) carried forward14 | -€3,645 | -€53,604 | -€102,743 | -€196,008 | -€267,384 | ▼ 36.4% |
| Amounts payable17/49 | €3,845 | €298,326 | €258,779 | €359,597 | €608,245 | ▲ 69.1% |
| Amounts payable within one year42/48 | €3,845 | €298,326 | €258,779 | €359,597 | €608,245 | ▲ 69.1% |
| Trade debts44 | - | €143,899 | €152,914 | €178,644 | €352,383 | ▲ 97.3% |
| Suppliers440/4 | - | €143,899 | €152,914 | €178,644 | €352,383 | ▲ 97.3% |
| Advances received on contracts in progress46 | - | €48,582 | - | - | - | - |
| Other amounts payable47/48 | €3,845 | €105,845 | €105,865 | €180,952 | €255,863 | ▲ 41.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,645 | -€49,959 | -€49,139 | -€93,265 | -€71,376 | ▲ 23.5% |
| + Depreciation and write-downs630 | - | €5,460 | €18,833 | €28,282 | €28,682 | ▲ 1.4% |
| Operating cash flow (approximation) | -€3,645 | -€44,499 | -€30,306 | -€64,983 | -€42,694 | ▲ 34.3% |
| Investment in fixed assets (approximation) | - | -€73,900 | -€68,320 | -€63,868 | -€64,540 | ▼ 1.1% |
| Change in cash | - | - | €16,180 | -€61,808 | €42,019 | ▲ 168% |
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
24-08
State Gazette act
Permanent representative: Meersman GeertRegistered-office move3 facts ▸
State Gazette act
Permanent representative: Meersman Geert
Registered-office move3 facts ▸
- Registered-office move, 1050 Bruxelles, Avenue Louise 231
- Board meeting, 08-05-2026
- Permanent representative, Meersman Geert (représentée par)
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
31-12
Financial
Weakest financial yearnet -€93,265
Net result drops to -€93,265, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 72 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 1.03
Current ratio from 0.39 to 1.03.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2021
Ground area
9,201 m²
Building footprint
5,756 m²
Volume, LiDAR
130,454 m³
2 parcels, Brussels · tallest building 45.8 m, ±8 floors. Linked by address, not a title deed.
567
companies at this address
See who is registered here
1 establishment unit
FIPOS
since 20212.325.541.049
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0131/00T000 | Brussels | 5,672 m² | 1 · 3,878 m² | 45.8 m · 8 fl. |
| 21822R0226/00W011 | Brussels | 3,529 m² | 1 · 1,878 m² | 38.1 m · 7 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 232 companies in sector 64190 we hold annual accounts for 110. 53 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
Founded04-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64190Financial service activities, except insurance and pension funding
58290Other software publishing
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0769353718
Also
9925:BE0769353718
Registered
31-10-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.