FISCLEVER
ActiveFISCLEVER has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €140k and a net result of €40k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 58% of 1760 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
86
/ 100
Excellent▼ -8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency86▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 1.74 in 2023), but 56.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 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
not confirmed
2024
71 d late
2023
204 d late
2022
562 d late
2021
141 d late
2020
237 d late
2019
511 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€40k▼ 19.3%
2023 · €50k
2018: €27k
2019: €37k
2020: €43k
2021: €25k
2022: €4k
2023: €50k
2018 → 2024
Working capital
€154k▲ 23.8%
2023 · €124k
2018: €103k
2019: €73k
2020: €76k
2021: €86k
2022: €98k
2023: €124k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€96k-€106k▲ 10.7%€100k▼ 5.2%€125k▲ 24.9%€140k▲ 11.5%
Operating result€45k-€28k▼ 37.7%€14k▼ 51.0%€53k▲ 284%€41k▼ 21.6%
Net result€43k-€25k▼ 42.0%€4k▼ 82.1%€50k▲ 1,016%€40k▼ 19.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 22% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €322k
Fixed assets
€2k▲ 65.5%
Current assets
€320k▲ 9.6%
Equity and liabilities €322k
Equity
€140k▲ 11.5%
Debt
€182k▲ 8.6%
The debt ratio falls from 57.2% to 56.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€42k▼
2023 · €55k
Cash flow
€41k▼
2023 · €53k
Solvency
43.4%▲
2023 · 42.8%
Current ratio
1.93▲
2023 · 1.74
Quick ratio
1.93▲
2023 · 1.74
Debt / equity
1.30▼
2023 · 1.34
ROE
28.9%▼
2023 · 39.9%
ROA
12.6%▼
2023 · 17.1%
Interest coverage
46.92▼
2023 · 454.33
Debt
€182k▲
2023 · €168k
Debt ≤ 1 year
€166k▼
2023 · €168k
Staff costs
€21k▲
2023 · €15k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€293k€322k▲
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24€1k€2k▲
Current assets29/58€292k€320k▲
Amounts receivable within one year40/41€288k€317k▲
Trade receivables40€184k€207k▲
Other amounts receivable41€104k€109k▲
Cash at bank and in hand54/58€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€293k€322k▲
Equity10/15€125k€140k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€4k€4k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€103k€117k▲
Amounts payable17/49€168k€182k▲
Amounts payable within one year42/48€168k€166k▼
Trade debts44€46k€46k▼
Suppliers440/4€46k€46k▼
Taxes, remuneration and social security45€104k€120k▲
Taxes450/3€100k€115k▲
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€18k-
Accrued charges and deferred income492/3-€16k
Income statement
Code20232024
Remuneration, social security and pensions62€15k€21k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€670▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€72k€64k▼
Operating profit (loss)9901€53k€41k▼
Financial income75/76B€34-
Recurring financial income75€34-
Financial charges65/66B€122€894▲
Recurring financial charges65€122€894▲
Profit (loss) for the period before taxes9903€53k€40k▼
Income taxes67/77€3k-
Profit (loss) for the period9904€50k€40k▼
Profit (loss) for the period to be appropriated9905€50k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€128k€143k▲
Profit (loss) brought forward from the previous period14P€78k€103k▲
Profit to be distributed694/7€25k€26k▲
Directors or managers695€25k€26k▲
Social balance
Average headcount (FTE)90871.01.0=
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
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 71 days late
20-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 204 days late
12-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 562 days late
2023
31-12
Financial
Highest result since 2018net €50k ▲1016%
Net result €50k, the highest in the series.
2022
31-12
Financial
Weakest financial yearnet €4k ▼82.1%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
19-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 141 days late
25-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 237 days late
2021
31-12
Financial
Equity above €100kEq €106k ▲10.7%
4 profitable years in a row build equity to €106k.
24-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 511 days late
2020
11-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 164 days late
2019
04-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 157 days late
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 238 days late
2017
04-01
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 157 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 1982
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.
Berckmansstraat 311060 Sint-Gillis (bij-Brussel)Ground area
1,631 m²
Building footprint
1,388 m²
Volume, LiDAR
14,208 m³
2 parcels, Brussels · tallest building 25.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Saïolaan 18, 1070 Anderlecht
since 19822.198.865.383
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0651/00F002 | Brussels | 1,251 m² | 1 · 1,011 m² | 13.1 m · 4 fl. |
| 21013B0040/00H013 | Brussels | 380 m² | 1 · 377 m² | 25.2 m · 1 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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liberoo Brasschaat
BE 1000.056.439
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SEFISCA
BE 0680.670.081
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SPRIGGAN
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 6,499 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-1981
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.