FISC.CO.GEST.BE
ActiveFISC.CO.GEST.BE has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €4k. Equity is growing by ~49.9% per year across the filed fiscal years. Its solvency ranks better than 42% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+5
Solvency76▲+22
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 1.45 in 2024; short-term debt: 48.9% and cash: 13.6% of total assets), and 48.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.1%
Return on assets
13.7%
Age of the figures
9 mo
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
31 d late
2023
33 d early
2022
38 d late
2021
66 d late
2020
17 d early
2019
9 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▲ 36.8%
2024 · €11k
2018: €-6k
2019: €-6k
2020: €-237
2021: €4k
2022: €-847
2023: €8k
2024: €11k
2018 → 2025
Total assets
€30k▼ 22.1%
2024 · €38k
2018: €19k
2019: €10k
2020: €19k
2021: €20k
2022: €48k
2023: €54k
2024: €38k
2018 → 2025
Net result
€4k▲ 12.9%
2024 · €4k
2018: €-6k
2019: €437
2020: €6k
2021: €4k
2022: €-5k
2023: €8k
2024: €4k
2018 → 2025
Working capital
€15k▲ 61.4%
2024 · €9k
2018: €-8k
2019: €-6k
2020: €-927
2021: €4k
2022: €-5k
2023: €4k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€-847€8k€11k▲ 48.4%€15k▲ 36.8%
Operating result€6k-€-3k€11k€4k▼ 62.2%€5k▲ 25.3%
Net result€4k-€-5k€8k€4k▼ 56.5%€4k▲ 12.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30k
Fixed assets
€329▼ 96.2%
Current assets
€30k▼ 0.8%
Equity and liabilities €30k
Equity
€15k▲ 36.8%
Debt
€15k▼ 46.2%
The debt ratio falls from 70.9% to 48.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▲
2024 · €12k
Cash flow
€12k▲
2024 · €12k
Solvency
51.1%▲
2024 · 29.1%
Current ratio
2.02▲
2024 · 1.45
Quick ratio
2.02▲
2024 · 1.45
Debt / equity
0.96▼
2024 · 2.43
ROE
26.9%▼
2024 · 32.6%
ROA
13.7%▲
2024 · 9.5%
Interest coverage
39.99▲
2024 · 28.40
Debt
€15k▼
2024 · €27k
Debt ≤ 1 year
€15k▼
2024 · €20k
Income taxes
€1k▲
2024 · €246
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€38k€30k▼
Fixed assets21/28€9k€329▼
Tangible fixed assets22/27€8k€129▼
Furniture and vehicles24€8k€129▼
Financial fixed assets28€200€200=
Current assets29/58€30k€30k▼
Amounts receivable within one year40/41€20k€24k▲
Trade receivables40€20k€19k▼
Other amounts receivable41-€5k
Cash at bank and in hand54/58€9k€4k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€38k€30k▼
Equity10/15€11k€15k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-9k€-5k▲
Amounts payable17/49€27k€15k▼
Amounts payable after more than one year17€7k-
Financial debts170/4€7k-
Amounts payable within one year42/48€20k€15k▼
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€6k-
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€63k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€972€440▼
Gross operating margin9900€13k€14k▲
Operating profit (loss)9901€4k€5k▲
Financial income75/76B-€302
Recurring financial income75-€302
Financial charges65/66B€434€341▼
Recurring financial charges65€434€341▼
Profit (loss) for the period before taxes9903€4k€5k▲
Income taxes67/77€246€1k▲
Profit (loss) for the period9904€4k€4k▲
Profit (loss) for the period to be appropriated9905€4k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-5k▲
Profit (loss) brought forward from the previous period14P€-13k€-9k▲
The notes to these accounts (6 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
07-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 38 days late
2022
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 66 days late
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €437
Net result €437 after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Tervuren · 1 establishment unit since 2010
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.
Paardenmarktstraat 1083080 TervurenGround area
292 m²
Building footprint
63 m²
Volume, LiDAR
360 m³
Parcel 24302F0017/00Z002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Paardenmarktstraat 108, 3080 Tervuren
since 20102.195.221.054
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24302F0017/00Z002 | Flanders | 292 m² | 1 · 63 m² | 9.4 m · 2 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 16,869 companies in sector 62100 we hold annual accounts for 8,779. 5,285 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-01-1993
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.