Fisc-Optimum
ActiveSummary
Fisc-Optimum has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €594,093 and a net result of €130,029. Equity is growing by ~47.8% per year across the filed fiscal years. Its solvency ranks better than 80% of 12829 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability91▼-9
Solvency100=
Growth85=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55,000 at 30 days acceptable
Liquidity ample (current ratio 6.88 against 4.72 in 2024; short-term debt: 12.6% and cash: 45.4% of total assets), and 17.8% of the assets are financed with debt.
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Signals
Three 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
82.2%
Return on assets
18%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-09-2026, 38 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 · 9 filingsDeviation from the deadline
2025
38 d late
2024
28 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
30 d late
2019
14 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 29 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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 31 August (5 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
Turnover
€204,621▲ 21.8%
2019 · €168,064
EBIT margin
21.1%▼ 1.8pp
2019 · 22.9%
Net result
€130,029▼ 8.5%
2024 · €142,162
Working capital
€536,189▲ 29.8%
2024 · €412,936
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, 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
Turnover
Operating result€59,363▲ 37.5%€92,376▲ 55.6%€148,676▲ 60.9%€192,338▲ 29.4%€176,885▼ 8.0%
Net result€43,407within the sector's middle half▲ 39.4%€69,947above the sector's middle half▲ 61.1%€110,723above the sector's middle half▲ 58.3%€142,162above the sector's middle half▲ 28.4%€130,029above the sector's middle half▼ 8.5%
EBIT margin
Equity€147,138within the sector's middle half▲ 50.9%€211,178within the sector's middle half▲ 43.5%€321,902above the sector's middle half▲ 52.4%€464,064above the sector's middle half▲ 44.2%€594,093above the sector's middle half▲ 28.0%
Total assets€181,642within the sector's middle half▲ 32.7%€279,591within the sector's middle half▲ 53.9%€428,829within the sector's middle half▲ 53.4%€575,186above the sector's middle half▲ 34.1%€722,841above the sector's middle half▲ 25.7%
Debt€34,504▼ 12.2%€68,412▲ 98.3%€106,927▲ 56.3%€111,122▲ 3.9%€128,748▲ 15.9%
Working capital€123,674within the sector's middle half▲ 34.3%€179,459above the sector's middle half▲ 45.1%€289,581above the sector's middle half▲ 61.4%€412,936above the sector's middle half▲ 42.6%€536,189above the sector's middle half▲ 29.8%
Solvency81.0%above the sector's middle half▲ 9.7pp75.5%within the sector's middle half▼ 5.5pp75.1%within the sector's middle half▼ 0.5pp80.7%above the sector's middle half▲ 5.6pp82.2%above the sector's middle half▲ 1.5pp
Current ratio4.58above the sector's middle half▲ 1.243.62within the sector's middle half▼ 0.963.71within the sector's middle half▲ 0.094.72within the sector's middle half▲ 1.016.88above the sector's middle half▲ 2.17
Return on assets (ROA)23.9%within the sector's middle half▲ 1.1pp25.0%within the sector's middle half▲ 1.1pp25.8%within the sector's middle half▲ 0.8pp24.7%within the sector's middle half▼ 1.1pp18.0%within the sector's middle half▼ 6.7pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, 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 falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €722,841
Fixed assets
€95,534 ▲ 86.9%
Current assets
€627,307 ▲ 19.7%
Equity and liabilities €722,841
Equity
€594,093 ▲ 28.0%
Debt
€128,748 ▲ 15.9%
Debt's share of the balance-sheet total falls from 19.3% to 17.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€191,772▼
2024 · €200,140
Cash flow
€144,916▼
2024 · €149,964
Debt to equity
0.22▼
2024 · 0.24
ROE
21.9%▼
2024 · 30.6%
Interest coverage
228.72▼
2024 · 428.45
Debt ≤ 1 year
€91,118▼
2024 · €111,122
Debt > 1 year
€37,630
Income taxes
€46,018▼
2024 · €49,709
Staff costs
€84,810▲
2024 · €57,392
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,781 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
2.7%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,781 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €49,670 | €29,779 | €46,835 | €57,392 | €84,810 | ▲ 47.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,866 | €4,376 | €6,299 | €7,802 | €14,887 | ▲ 90.8% |
| Other operating charges640/8 | €2,766 | €1,506 | €2,396 | €3,294 | €1,726 | ▼ 47.6% |
| Gross operating margin9900 | €116,666 | €128,037 | €204,205 | €260,825 | €278,309 | ▲ 6.7% |
| Operating profit (loss)9901 | €59,363 | €92,376 | €148,676 | €192,338 | €176,885 | ▼ 8.0% |
| Financial income75/76B | €25 | €11 | €29 | €0 | €0 | ▼ 100% |
| Recurring financial income75 | €25 | €11 | €29 | €0 | €0 | ▼ 100% |
| Financial charges65/66B | €2,344 | €180 | €521 | €467 | €838 | ▲ 79.5% |
| Recurring financial charges65 | €2,344 | €180 | €521 | €467 | €838 | ▲ 79.5% |
| Profit (loss) for the period before taxes9903 | €57,045 | €92,207 | €148,183 | €191,871 | €176,047 | ▼ 8.2% |
| Income taxes67/77 | €13,638 | €22,261 | €37,460 | €49,709 | €46,018 | ▼ 7.4% |
| Profit (loss) for the period9904 | €43,407 | €69,947 | €110,723 | €142,162 | €130,029 | ▼ 8.5% |
| Profit (loss) for the period to be appropriated9905 | €43,407 | €69,947 | €110,723 | €142,162 | €130,029 | ▼ 8.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €181,642 | €279,591 | €428,829 | €575,186 | €722,841 | ▲ 25.7% |
| Fixed assets21/28 | €23,464 | €31,720 | €32,320 | €51,128 | €95,534 | ▲ 86.9% |
| Tangible fixed assets22/27 | €21,906 | €30,162 | €29,966 | €48,774 | €95,246 | ▲ 95.3% |
| Plant, machinery and equipment23 | €368 | €449 | €213 | €45 | €3,241 | ▲ 7,034% |
| Furniture and vehicles24 | €3,826 | €11,642 | €13,098 | €13,376 | €13,227 | ▼ 1.1% |
| Other tangible fixed assets26 | €17,712 | €18,070 | €16,655 | €35,353 | €78,777 | ▲ 123% |
| Financial fixed assets28 | €1,558 | €1,558 | €2,354 | €2,354 | €288 | ▼ 87.8% |
| Current assets29/58 | €158,178 | €247,871 | €396,509 | €524,057 | €627,307 | ▲ 19.7% |
| Amounts receivable within one year40/41 | €18,391 | €3,020 | €200,915 | €318,457 | €298,554 | ▼ 6.2% |
| Trade receivables40 | €14,076 | €3,020 | €25,893 | €18,457 | €85,886 | ▲ 365% |
| Other amounts receivable41 | €4,316 | €0 | €175,022 | €300,000 | €212,668 | ▼ 29.1% |
| Cash at bank and in hand54/58 | €139,787 | €244,852 | €195,445 | €205,222 | €328,374 | ▲ 60.0% |
| Deferred charges and accrued income490/1 | - | - | €149 | €379 | €379 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €181,642 | €279,591 | €428,829 | €575,186 | €722,841 | ▲ 25.7% |
| Equity10/15 | €147,138 | €211,178 | €321,902 | €464,064 | €594,093 | ▲ 28.0% |
| Contributions10/11 | €19,954 | €19,954 | €19,954 | €19,954 | €19,954 | = |
| Reserves13 | €127,184 | €191,224 | €301,947 | €444,109 | €574,138 | ▲ 29.3% |
| Distributable reserves133 | €127,184 | €191,224 | €301,947 | €444,109 | €574,138 | ▲ 29.3% |
| Profit (loss) carried forward14 | - | €0 | €0 | - | - | - |
| Amounts payable17/49 | €34,504 | €68,412 | €106,927 | €111,122 | €128,748 | ▲ 15.9% |
| Amounts payable after more than one year17 | - | - | - | - | €37,630 | - |
| Financial debts170/4 | - | - | - | - | €37,630 | - |
| Amounts payable within one year42/48 | €34,504 | €68,412 | €106,927 | €111,122 | €91,118 | ▼ 18.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €2,038 | - |
| Trade debts44 | €3,017 | €6,818 | €10,600 | €23,060 | €5,431 | ▼ 76.4% |
| Suppliers440/4 | €3,017 | €6,818 | €10,600 | €23,060 | €5,431 | ▼ 76.4% |
| Taxes, remuneration and social security45 | €31,487 | €54,459 | €88,968 | €82,293 | €78,649 | ▼ 4.4% |
| Taxes450/3 | €29,096 | €51,139 | €86,514 | €78,609 | €77,908 | ▼ 0.9% |
| Remuneration and social security454/9 | €2,391 | €3,319 | €2,454 | €3,684 | €742 | ▼ 79.9% |
| Other amounts payable47/48 | - | €7,135 | €7,359 | €5,769 | €5,000 | ▼ 13.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €43,407 | €69,947 | €110,723 | €142,162 | €130,029 | ▼ 8.5% |
| + Depreciation and write-downs630 | €4,866 | €4,376 | €6,299 | €7,802 | €14,887 | ▲ 90.8% |
| Operating cash flow (approximation) | €48,273 | €74,323 | €117,022 | €149,964 | €144,916 | ▼ 3.4% |
| Investment in fixed assets (approximation) | - | -€12,631 | -€6,899 | -€26,610 | -€59,292 | ▼ 123% |
| Change in cash | - | €105,065 | -€49,407 | €9,777 | €123,152 | ▲ 1,160% |
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
07-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 38 days late
29-07
State Gazette act
Board meeting · Director appointment
Power of attorney
05-06
State Gazette act
Board meeting · Registered-office move
Power of attorney
2025
31-12
Financial
Equity above €500,000Eq €594,093 ▲28%
8 profitable years in a row build equity to €594,093.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €142,162 ▲28.4%
Operating result €192,338, net result €142,162, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €200,000Eq €211,178 ▲43.5%
5 profitable years in a row build equity to €211,178.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100,000Eq €147,138 ▲50.9%
4 profitable years in a row build equity to €147,138.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Show earlier events
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Antwerpen · 1 establishment unit since 2017
Ground area
647 m²
Building footprint
255 m²
Volume, LiDAR
5,382 m³
Parcel 11344A0528/00L013, Flanders · tallest building 23.5 m, ±8 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Fisc-Optimum
since 20172.270.772.572
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11344A0528/00L013 | Flanders | 647 m² | 1 · 255 m² | 23.5 m · 8 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 4,250 EUR awarded · 4,250 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 3,000 EUR | 3,000 EUR |
| 2023 | 1 | 1,250 EUR | 1,250 EUR |
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 5,272 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 (pre-2019)
Founded15-12-2017
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Contact
E-mail
raf@fisc-optimum.be
Website
www.fisc-optimum.beAntwerpen
E-mail
raf.mermans@gmail.comAntwerpen
Phone
0472283169Antwerpen
E-invoicing
Reachable via Peppol
Peppol ID
0208:0685973508
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.