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FISALAM

Active
Private limited companyfounded 199233 yrs activePaul Gauguinstraat 20, 1140 Evere, BelgiumKBO/BCE: BE 0448.459.506
Summary

FISALAM has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,635 and a net result of €10,279. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 40% of 2157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Risk analysisWatch ReportCompare
FISALAMActiveChecked score 68/100
Risk analysis ReportCompare

Overview

Activity
On-demand passenger transport by chauffeured vehicle
NACE 49330Non-scheduled passenger transport by road NACE 49320NACE 60220
#9 oldest company in Evere, Transport and storage sector1 site
Size
€85,683turnover 2025
Equity
€9,635
Profit
€10,279
Financial health
68 Healthy Checked score 2025
Bankruptcy chance 12 m
1.0%
Structure
Accounts filed 31 d late0 of 4 deeds read
Why 68- 1 change of registered office in 24 months- Size: turnover €85,683, total assets €29,891- Sector Land transport and transport via pipelines (NACE 49)+ Liquidity: current ratio 1.48, cash €28,450Show the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 76% of its sector peers (NACE 49, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 57+39
equity 32.2% of total assets
Liquidity 64+14
short-term debt 67.8% · cash 95.2%
Profitability 100+100
return on assets 34.4%
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (8,991 companies)
Last 24 months 11-2024: 1.1% 12-2024: 1.1%● 0.0% vs 11-2024 01-2025: 1.1%▲ +0.7% vs 12-2024 02-2025: 1.1%● 0.0% vs 01-2025 03-2025: 1.1%▲ +0.8% vs 02-2025 04-2025: 1.1%▲ +3.4% vs 03-2025 05-2025: 1.1%▲ +3.0% vs 04-2025 06-2025: 1.2%▲ +1.2% vs 05-2025 07-2025: 1.3%▲ +14.6% vs 06-2025 08-2025: 1.7%▲ +30.3% vs 07-2025 09-2025: 2.0%▲ +15.9% vs 08-2025 10-2025: 3.3%▲ +66.0% vs 09-2025 11-2025: 3.5%▲ +4.5% vs 10-2025 12-2025: 4.1%▲ +17.9% vs 11-2025 01-2026: 4.9%▲ +19.8% vs 12-2025 02-2026: 4.9%▲ +0.8% vs 01-2026 03-2026: 4.9%▼ -0.8% vs 02-2026 04-2026: 5.0%▲ +1.8% vs 03-2026 05-2026: 5.1%▲ +1.5% vs 04-2026 06-2026: 4.6%▼ -8.8% vs 05-2026 07-2026: 5.1%▲ +11.6% vs 06-2026highest value 08-2026: 5.1%▼ -1.4% vs 07-2026 09-2026: 1.0%▼ -79.8% vs 08-2026lowest value 10-2026: 1.0%● 0.0% vs 09-2026lowest value
  • 1 change of registered office in 24 months raises the probability
  • Size: turnover €85,683, total assets €29,891 raises the probability for this profile
  • Liquidity: current ratio 1.48, cash €28,450 lowers the probability
  • Sector Land transport and transport via pipelines (NACE 49) raises the probability
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.48 against 0.95 in 2024; short-term debt: 67.8% and cash: 95.2% of total assets), and 67.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 49, micro). Better than this share of them on solvency 44%, liquidity 71%, profitability 94%, growth against the median 95%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Size: turnover €85,683, total assets €29,891
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.48, cash €28,450
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Land transport and transport via pipelines (NACE 49)
In the bankruptcy model this factor raises the probability.
KBO
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 filings
Deviation from the deadline
2025
31 d late
2024
132 d late
2023
1 d early
2022
30 d late
2021
30 d late
2020
23 d late
2019
89 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 48 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 49% 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 30 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Back to profitnet €10,279
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Caution: Among the weakest 15% on equitysector median €269,590 · 2,158 companies €9,635 View
  • Active since 1992founded 13-10-1992 33 years View
  • Turnover 20252 fiscal years filed €85,683 View

By topic

Financials

Fiscal year
2025
Turnover
€85,683
Profit
€10,279
Solvency
32.2%
Turnover▲ 104%
Net result
20242025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 31-12-2025Back to profit
  3. 10-12-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
On-demand passenger transport by chauffeured vehicleNACE 49330
Founded
13-10-1992
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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