FISCASIER
ActiveFISCASIER has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €54k. Equity is growing by ~69% per year across the filed fiscal years. Its solvency ranks better than 8% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency28▼-72
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Nine 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
3.4%
Return on assets
74.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 12690 sector peers (2025).
NBB · sector comparisonPosition among 12690 sector peers
Solvency
better than 8%
← weakest
strongest →
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 11-03-2026, 142 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
142 d early
2024
57 d early
2023
56 d early
2022
55 d early
2021
51 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 98.4%
2024 · €158k
2021: €21k
2022: €65k
2023: €113k
2024: €158k
2021 → 2025
Total assets
€73k▼ 58.4%
2024 · €176k
2021: €44k
2022: €82k
2023: €129k
2024: €176k
2021 → 2025
Net result
€54k▲ 19.8%
2024 · €45k
2021: €18k
2022: €45k
2023: €48k
2024: €45k
2021 → 2025
Working capital
€2k▼ 99.0%
2024 · €158k
2021: €4k
2022: €57k
2023: €112k
2024: €158k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€65k▲ 217%€113k▲ 73.0%€158k▲ 40.2%€3k▼ 98.4%
Operating result€25k-€58k▲ 134%€62k▲ 6.2%€59k▼ 4.3%€72k▲ 20.7%
Net result€18k-€45k▲ 147%€48k▲ 6.7%€45k▼ 4.8%€54k▲ 19.8%
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 21% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €73k
Fixed assets
€969▲ 215%
Current assets
€72k▼ 58.9%
Equity and liabilities €73k
Equity
€3k▼ 98.4%
Debt
€70k▲ 306%
The debt ratio rises from 9.9% to 96.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€72k▲
2024 · €60k
Cash flow
€55k▲
2024 · €46k
Solvency
3.4%▼
2024 · 90.1%
Current ratio
1.02▼
2024 · 10.10
Quick ratio
1.02▼
2024 · 10.10
Debt / equity
28.20▲
2024 · 0.11
ROA
74.5%▲
2024 · 25.8%
Interest coverage
25.62▼
2024 · 34.74
Debt
€70k▲
2024 · €17k
Debt ≤ 1 year
€70k▲
2024 · €17k
Income taxes
€14k▲
2024 · €12k
A ratio outside any meaningful range has been withheld (balance sheet total €73k, equity €3k).
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€176k€73k▼
Fixed assets21/28€308€969▲
Tangible fixed assets22/27€308€969▲
Furniture and vehicles24€308€969▲
Current assets29/58€175k€72k▼
Amounts receivable within one year40/41€835€1k▲
Trade receivables40€47€419▲
Other amounts receivable41€788€788=
Cash at bank and in hand54/58€173k€71k▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€176k€73k▼
Equity10/15€158k€3k▼
Contributions10/11€3k€3k=
Reserves13€156k-
Distributable reserves133€156k-
Amounts payable17/49€17k€70k▲
Amounts payable within one year42/48€17k€70k▲
Trade debts44€1k€200▼
Suppliers440/4€1k€200▼
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Other amounts payable47/48€13k€67k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€380€405▲
Other operating charges640/8€771€400▼
Gross operating margin9900€60k€72k▲
Operating profit (loss)9901€59k€72k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€58k€69k▲
Income taxes67/77€12k€14k▲
Profit (loss) for the period9904€45k€54k▲
Profit (loss) for the period to be appropriated9905€45k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€54k▲
Transfer from equity791/2-€156k
Transfer to equity691/2€45k-
To other reserves6921€45k-
Profit to be distributed694/7-€210k
Return on contributions (dividend)694-€210k
The notes to these accounts (7 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
11-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €54k ▲19.8%
Operating result €72k, net result €54k, both a record.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €158k ▲40.2%
4 profitable years in a row build equity to €158k.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €113k ▲73%
3 profitable years in a row build equity to €113k.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 4.38
Current ratio from 1.15 to 4.38; short-term debt falls from €23k to €17k.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Chaumont-Gistoux · 2 establishment units since 2020
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 des Papeteries 461325 Chaumont-GistouxGround area
961 m²
Building footprint
392 m²
Volume, LiDAR
7,303 m³
2 parcels, Brussels, Wallonia · tallest building 32.9 m, ±9 floors. Linked by address, not a title deed.
2 establishment units
FISCASIER
since 20202.308.535.464
FISCASIER
since 20202.313.483.157
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0035/00M003 | Brussels | 663 m² | 1 · 301 m² | 32.9 m · 9 fl. |
| 25018B0179/00E000 | Wallonia | 299 m² | 1 · 91 m² | 8.1 m · 2 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 22,051 companies in sector 69101 we hold annual accounts for 9,053. 1,887 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-10-2020
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.