Losses
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Of this, €21,063 falls due within a year.
FIROA pays its suppliers 20 days earlier than in 2024. Customers pay 131 days earlier.
Short-term debts rose from €15,950 to €21,063.
The 2023 accounts came 1 day late. The other three were filed on time.
Lower net result than 89% of companies in head offices and management consultancy. Sector median €26,448 · 41,229 companies.
In July 2024, 1,206 companies had the same profile as FIROA has now. Each dot stands for 4 companies, two years later.
Another 0.6% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,331 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,206 companies, not a prediction for FIROA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| FIROA Anderlecht | €85,887 | -€6,628 | 14.6% | - |
| The Food Family Uccle | €78,867 | -€9,937 | 19.9% | - |
| UMUMENTUM Berchem-Sainte-Agathe | €80,763 | €336 | 41.9% | - |
| WeNap Berchem-Sainte-Agathe | €93,406 | -€121 | 3.3% | - |
| PAS IT Consultants Ixelles | €77,644 | -€10,466 | 96.7% | - |
| D.TUNA CONSULTING Sint-Gillis (bij-Brussel) | €75,899 | €726 | 30.3% | - |
| Ceres Demeter Sint-Gillis (bij-Brussel) | €95,017 | -€11,489 | -9.8% | - |
These companies have the same main activity as FIROA: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €75,900 and €95,000, founded between 2021 and 2022.
Solvency fell in 2025 from 21.1% to 14.6% because of the loss.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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