FISCADBO
ActiveSummary
FISCADBO has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69,618 and a net result of -€1,796. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 95% of 3337 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability31▲+7
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
cash: 80% of total assets, and 0% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 · 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€1,796
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 filingsDeviation from the deadline
2025
12 d late
2024
62 d late
2023
29 d late
2022
31 d late
2021
58 d late
2020
90 d late
2019
92 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 53 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 (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, abbreviated schema
Equity
€69,618▼ 2.5%
2024 · €71,414
Total assets
€69,618▼ 14.8%
2024 · €81,756
Net result
-€1,796▲ 58.8%
2024 · -€4,363
Working capital
€71,414▼ 5.8%
2023 · €75,777
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
Operating result€47,549▼ 13.6%€47,677▲ 0.3%€61,279▲ 28.5%-€4,101-€1,139▲ 72.2%
Net result€36,310within the sector's middle half▼ 13.0%€34,804within the sector's middle half▼ 4.1%€40,759within the sector's middle half▲ 17.1%-€4,363below the sector's middle half-€1,796below the sector's middle half▲ 58.8%
Equity€106,500within the sector's middle half▼ 11.4%€35,018within the sector's middle half▼ 67.1%€75,777within the sector's middle half▲ 116%€71,414within the sector's middle half▼ 5.8%€69,618below the sector's middle half▼ 2.5%
Total assets€161,757within the sector's middle half▲ 13.0%€147,666within the sector's middle half▼ 8.7%€94,752within the sector's middle half▼ 35.8%€81,756below the sector's middle half▼ 13.7%€69,618below the sector's middle half▼ 14.8%
Debt€55,257▲ 140%€112,648▲ 104%€18,975▼ 83.2%€10,342▼ 45.5%
Working capital€106,500within the sector's middle half▼ 11.4%€35,018within the sector's middle half▼ 67.1%€75,777within the sector's middle half▲ 116%€71,414within the sector's middle half▼ 5.8%
Solvency65.8%within the sector's middle half▼ 18.1pp23.7%below the sector's middle half▼ 42.1pp80.0%above the sector's middle half▲ 56.3pp87.4%above the sector's middle half▲ 7.4pp100.0%above the sector's middle half▲ 12.6pp
Current ratio2.93within the sector's middle half▼ 3.301.31within the sector's middle half▼ 1.624.99above the sector's middle half▲ 3.687.91above the sector's middle half▲ 2.91
Return on assets (ROA)22.4%within the sector's middle half▼ 6.7pp23.6%within the sector's middle half▲ 1.1pp43.0%above the sector's middle half▲ 19.4pp-5.3%below the sector's middle half▼ 48.4pp-2.6%below the sector's middle half▲ 2.8pp
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 abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1,139 in 2025 against €4,101 in 2024; the loss shrinks.
Key figures and ratios
ROE
-2.6%▲
2024 · -6.1%
Income taxes
-€299▼
2024 · €75
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.7%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
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 12,321 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 |
|---|---|---|---|---|---|---|
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €4,789 | €3,757 | - | - |
| Other operating charges640/8 | €908 | €889 | €835 | €797 | €855 | ▲ 7.4% |
| Gross operating margin9900 | €48,458 | €48,566 | €66,902 | €453 | -€284 | ▼ 163% |
| Operating profit (loss)9901 | €47,549 | €47,677 | €61,279 | -€4,101 | -€1,139 | ▲ 72.2% |
| Financial income75/76B | €1,914 | €3 | €3 | €150 | €90 | ▼ 39.9% |
| Recurring financial income75 | €1,914 | €3 | €3 | €150 | €90 | ▼ 39.9% |
| Financial charges65/66B | €280 | €284 | €487 | €337 | €1,047 | ▲ 210% |
| Recurring financial charges65 | €280 | €284 | €487 | €337 | €1,047 | ▲ 210% |
| Profit (loss) for the period before taxes9903 | €49,183 | €47,396 | €60,795 | -€4,287 | -€2,095 | ▲ 51.1% |
| Income taxes67/77 | €12,874 | €12,593 | €20,036 | €75 | -€299 | ▼ 497% |
| Profit (loss) for the period9904 | €36,310 | €34,804 | €40,759 | -€4,363 | -€1,796 | ▲ 58.8% |
| Profit (loss) for the period to be appropriated9905 | €36,310 | €34,804 | €40,759 | -€4,363 | -€1,796 | ▲ 58.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €161,757 | €147,666 | €94,752 | €81,756 | €69,618 | ▼ 14.8% |
| Current assets29/58 | €161,757 | €147,666 | €94,752 | €81,756 | €69,618 | ▼ 14.8% |
| Amounts receivable within one year40/41 | €48,566 | €20,016 | €53,282 | €13,481 | €13,730 | ▲ 1.8% |
| Trade receivables40 | €13,767 | €17,120 | €52,054 | €11,128 | €12,011 | ▲ 7.9% |
| Other amounts receivable41 | €34,798 | €2,896 | €1,228 | €2,353 | €1,719 | ▼ 26.9% |
| Current investments50/53 | €153 | €153 | €155 | €157 | €159 | ▲ 1.2% |
| Cash at bank and in hand54/58 | €111,184 | €125,472 | €39,158 | €68,117 | €55,728 | ▼ 18.2% |
| Deferred charges and accrued income490/1 | €1,854 | €2,025 | €2,156 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €161,757 | €147,666 | €94,752 | €81,756 | €69,618 | ▼ 14.8% |
| Equity10/15 | €106,500 | €35,018 | €75,777 | €71,414 | €69,618 | ▼ 2.5% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Issued capital100 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Uncalled capital101 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €1,860 | €1,860 | €41,860 | €41,860 | €41,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | €40,000 | €40,000 | €40,000 | = |
| Profit (loss) carried forward14 | €98,440 | €26,958 | €27,717 | €23,354 | €21,558 | ▼ 7.7% |
| Amounts payable17/49 | €55,257 | €112,648 | €18,975 | €10,342 | - | - |
| Amounts payable within one year42/48 | €55,257 | €112,648 | €18,975 | €10,342 | - | - |
| Trade debts44 | €368 | €368 | €433 | €189 | - | - |
| Suppliers440/4 | €368 | €368 | €433 | €189 | - | - |
| Taxes, remuneration and social security45 | €19,888 | €36,258 | €18,543 | €10,153 | - | - |
| Taxes450/3 | €19,888 | €36,258 | €18,543 | €10,153 | - | - |
| Other amounts payable47/48 | €35,000 | €76,022 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €36,310 | €34,804 | €40,759 | -€4,363 | -€1,796 | ▲ 58.8% |
| Operating cash flow (approximation) | €36,310 | €34,804 | €40,759 | -€4,363 | -€1,796 | ▲ 58.8% |
| Change in cash | - | €14,288 | -€86,313 | €28,959 | -€12,389 | ▼ 143% |
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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 62 days late
2024
31-12
Financial
Weakest financial yearnet -€4,363
Net result drops to -€4,363, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 4.99
Current ratio from 1.31 to 4.99; short-term debt falls from €112,648 to €18,975.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
31-12
Financial
Highest result since 2018net €41,715 ▲15.2%
Net result €41,715, the highest in the series.
31-12
Financial
Equity above €100,000Eq €120,190 ▲53.2%
3 profitable years in a row build equity to €120,190.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Tielt
Ground area
192 m²
Building footprint
191 m²
Volume, LiDAR
1,242 m³
Parcel 37013C0371/00B002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37013C0371/00B002 | Flanders | 192 m² | 1 · 191 m² | 8.8 m · 2 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.
Similar companies · same sector, comparable size
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BE 0794.337.453
Lebbeke · Eq €69,685
CLAES G. & Co
BE 0472.017.836
Aalst · Eq €69,546
DE BOEKHOUDER UIT RELST
BE 1002.710.081
Kampenhout · Eq €69,531
E.H.W.
BE 0676.861.050
Visé · Eq €69,709
Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 6,260 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)
Founded08-12-2000
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.