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Generated 12-08-2026
Active BE 1001.319.122Private limited company

FISCO-CONCEPT

Rue de l'Eglise 12 ·1380 Lasne, Belgium· 2 yrs active
Sector: Activiteiten van (gecertificeerde) (fiscaal) accountants (69201)
Conclusion Checked

The computed 12-month bankruptcy probability of FISCO-CONCEPT is 0.4% (very low). The 2024 annual accounts show equity of €22k and a net result of €21k. Its solvency ranks better than 45% of 4818 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €22k
Net result €21k
Better than sector 45%
Active 2 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health93Profitability100Solvency94Growth-Stability67
88 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 93
Profitability 100
Solvency 94
Growth -
Stability 67
Bankruptcy probability (12 mo) Checked model v1 · free
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
93 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 22-05-2026 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 56.0% 61.0%
better than 45% of 4818 sector peers
Net result €21k €34k
better than 34% of 4815 sector peers
Equity €22k €59k
better than 22% of 4818 sector peers
Gross operating margin €33k €56k
better than 29% of 4813 sector peers
Total assets €40k €117k
better than 12% of 4818 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€32k
Net profit€21k
Cash flow€25k
Staff costs-
Income taxes€6k
Dividends€833
Total assets€40k
Equity€22k
Debt€17k
of which ≤ 1y€17k
of which > 1y-
Working capital€14k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.83
Quick ratio1.83
Working capital ratio36.5%
Solvency56.0%
Debt / equity0.79
Long-term debt ratio-
Interest coverage2044.73
Gross margin-
Net margin-
ROA53.1%
ROE94.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€40k
Fixed assets 21/28€8k
Tangible fixed assets 22/27€8k
Current assets 29/58€32k
Amounts receivable within one year 40/41€5k
Cash & bank 54/58€27k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€40k
Equity 10/15€22k
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€20k
Amounts payable 17/49€17k
Amounts payable within one year 42/48€17k
Trade debts payable within one year 44€3k
Income statement
Gross operating margin 9900€33k
Operating result 9901€28k
Financial income 75€26
Financial charges 65€16
Result before taxes 9903€28k
Income taxes 67/77€6k
Net result for the period 9904€21k
Result to be appropriated 9905€21k
Ratios computed by Checked.
Directors & mandates 1 directors
Current directors & mandates
  • Luc LEMERCIER
    Director
    State Gazette act 23146827 (20-11-2023)
    Current
    20-11-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Activiteiten van (gecertificeerde) (fiscaal) accountants(69201)
Legal form Private limited company(610)
Incorporation17-10-2023
StatusActive
Postal code1380
Establishment units 1 location
FISCO-CONCEPT
Rue de l'Eglise 12, 1380 LasneActiviteiten van (gecertificeerde) (fiscaal) accountants
since 20232.370.232.810
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25051D0110/00M000 Wallonia 508 m² 1 · 158 m² 9.9 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
22-05-2026
NBB filing Annual accounts filed
fiscal year 2024 · micro
2023
20-11-2023
State Gazette act Director changes
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2023
20-11-2023 Luc LEMERCIER appointed as director Director changes
  • Luc LEMERCIER, Bestuurder
Technical details 
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  "events": [
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Luc LEMERCIER",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "Approuver la nomination de Monsieur Luc LEMERCIER \u00E0 la fonction d\u0027administrateur avec effet imm\u00E9diat.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2023-11-20",
    "filing_date": null,
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2023-10-17",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "1001.319.122",
    "name_full": "FISCO-CONCEP\u0422",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "POLLYN David",
    "org_rep_person_name": null,
    "person_role_at_subject": "Administrateur"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Accountants en belastingconsulenten69201Activiteiten van (gecertificeerde) (fiscaal) accountants69201
Primary activity highlighted.
Names & trade names
Legal nameFR FISCO-CONCEPT
Registered office
Rue de l'Eglise 12
1380 Lasne, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative