FISCAM
ActiveFISCAM has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.09M and a net result of €138k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 68% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 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
Profitability80▲+1
Solvency98▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 3.56 against 3.28 in 2024; short-term debt: 27.5% and cash: 8% of total assets), and 27.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
Sector 69
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
72.5%
Return on assets
9.2%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 03-09-2025, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
56 d early
2023
55 d early
2022
38 d early
2021
51 d early
2020
56 d early
2019
55 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.09M▲ 14.6%
2024 · €949k
2019: €583k
2020: €654k
2021: €722k
2022: €823k
2023: €910k
2024: €949k
2019 → 2025
Total assets
€1.50M▲ 11.1%
2024 · €1.35M
2019: €942k
2020: €1.01M
2021: €1.09M
2022: €1.21M
2023: €1.23M
2024: €1.35M
2019 → 2025
Net result
€138k▲ 20.3%
2024 · €115k
2019: €44k
2020: €71k
2021: €67k
2022: €101k
2023: €88k
2024: €115k
2019 → 2025
Working capital
€1.05M▲ 15.5%
2024 · €912k
2019: €483k
2020: €533k
2021: €652k
2022: €764k
2023: €863k
2024: €912k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€722k-€823k▲ 14.0%€910k▲ 10.6%€949k▲ 4.2%€1.09M▲ 14.6%
Operating result€133k-€172k▲ 29.3%€145k▼ 15.4%€180k▲ 24.0%€188k▲ 4.6%
Net result€67k-€101k▲ 50.3%€88k▼ 13.5%€115k▲ 31.4%€138k▲ 20.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.50M
Fixed assets
€34k▼ 7.7%
Current assets
€1.47M▲ 11.6%
Equity and liabilities €1.50M
Equity
€1.09M▲ 14.6%
Debt
€412k▲ 2.8%
The debt ratio falls from 29.7% to 27.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€191k=
2024 · €191k
Cash flow
€141k▲
2024 · €126k
Solvency
72.5%▲
2024 · 70.3%
Current ratio
3.56▲
2024 · 3.28
Quick ratio
3.56▲
2024 · 3.28
Debt / equity
0.38▼
2024 · 0.42
ROE
12.7%▲
2024 · 12.1%
ROA
9.2%▲
2024 · 8.5%
Interest coverage
11.20▼
2024 · 12.61
Debt
€412k▲
2024 · €401k
Debt ≤ 1 year
€412k▲
2024 · €401k
Income taxes
€66k▲
2024 · €55k
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€1.35M€1.50M▲
Fixed assets21/28€36k€34k▼
Tangible fixed assets22/27€36k€34k▼
Land and buildings22€36k€34k▼
Current assets29/58€1.31M€1.47M▲
Amounts receivable within one year40/41€226k€242k▲
Trade receivables40€174k€180k▲
Other amounts receivable41€52k€62k▲
Current investments50/53€900k€1.10M▲
Cash at bank and in hand54/58€186k€120k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.35M€1.50M▲
Equity10/15€949k€1.09M▲
Contributions10/11€19k€19k=
Reserves13€919k€1.06M▲
Distributable reserves133€919k€1.06M▲
Profit (loss) carried forward14€12k€12k▲
Amounts payable17/49€401k€412k▲
Amounts payable within one year42/48€401k€412k▲
Trade debts44€35k€35k▼
Suppliers440/4€35k€35k▼
Taxes, remuneration and social security45€17k€20k▲
Taxes450/3€17k€20k▲
Other amounts payable47/48€349k€358k▲
Income statement
Code20242025
Non-recurring operating income76A€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€3k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-369€-3k▼
Other operating charges640/8€8k€9k▲
Gross operating margin9900€199k€197k▼
Operating profit (loss)9901€180k€188k▲
Financial income75/76B€6k€33k▲
Recurring financial income75€6k€33k▲
Non-recurring financial income76B€11-
Financial charges65/66B€16k€17k▲
Recurring financial charges65€15k€17k▲
Non-recurring financial charges66B€711€0▼
Profit (loss) for the period before taxes9903€170k€204k▲
Income taxes67/77€55k€66k▲
Profit (loss) for the period9904€115k€138k▲
Profit (loss) for the period to be appropriated9905€115k€138k▲
Appropriation of the result
Profit (loss) to be appropriated9906€127k€150k▲
Profit (loss) brought forward from the previous period14P€12k€12k▲
Transfer to equity691/2€115k€138k▲
To other reserves6921€115k€138k▲
The notes to these accounts (5 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
2025
03-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €138k ▲20.3%
Operating result €188k, net result €138k, both a record.
31-03
Financial
Equity above €1MEq €1.09M ▲14.6%
7 profitable years in a row build equity to €1.09M.
2024
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
10-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
05-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
06-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
22-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2015
25-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bertrix · 2 establishment units since 2000
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.
Rue de la Gare 376880 BertrixGround area
2,241 m²
Building footprint
978 m²
Volume, LiDAR
9,829 m³
2 parcels, Brussels, Wallonia · tallest building 17.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
FISCAM
since 20002.096.341.135
FISCAM
since 20072.229.461.955
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616A0082/00B003 | Brussels | 2,096 m² | 1 · 915 m² | 17.4 m · 3 fl. |
| 84009A0366/00A002 | Wallonia | 145 m² | 1 · 63 m² | 13.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 4,292 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2000
Fiscal year end31-03
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
69209Other tax advisory services
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:fiduciaire.camus@skynet.be
Phone:061/61.45.10