FISCO DEBA

Active

Private limited company (pre-2019)founded 198244 yrs activeChaussée de Philippeville(GER) 48, 6280 Gerpinnes, BelgiumKBO/BCE: BE 0422.850.912

Summary

The computed 12-month bankruptcy probability of FISCO DEBA is 2.0% (moderate). The 2025 annual accounts show equity of €35,318 and a net result of -€8,324. Equity is shrinking by ~12.4% per year across the filed fiscal years. The company has been active since 1982 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 3 administrative register entries (see administrative flags).

Risk analysisWatch Report Compare

FISCO DEBAActiveChecked score 52/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€96,898total assets 2025

Equity: €35,318
Loss: -€8,324

Financial health

52 Fair Checked score 2025

Bankruptcy chance 12 m: 2.0%

Structure

Accounts 15 d early

Why 52- Liquidity: current ratio 0.00, cash €1- 2 ex-officio strike-offs in the KBO+ Size: total assets €96,898+ Founded in 1982Show the evidence

Checked score

Score 2025

52 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 24% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 61-5

equity 36.4% of total assets

Liquidity 43-41

short-term debt 21.4% · cash 0.0%

Profitability 19+9

return on assets -8.6%

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 1.7% 12-2024: 2.5%▲ +49.9% vs 11-2024 01-2025: 4.0%▲ +57.3% vs 12-2024 02-2025: 4.0%● 0.0% vs 01-2025 03-2025: 4.0%● 0.0% vs 02-2025 04-2025: 4.0%● 0.0% vs 03-2025 05-2025: 4.0%● 0.0% vs 04-2025 06-2025: 4.1%▲ +3.8% vs 05-2025 07-2025: 4.1%▼ -0.5% vs 06-2025 08-2025: 3.9%▼ -4.7% vs 07-2025 09-2025: 4.3%▲ +9.5% vs 08-2025 10-2025: 4.6%▲ +7.6% vs 09-2025highest value 11-2025: 1.6%▼ -64.6% vs 10-2025 12-2025: 1.6%● 0.0% vs 11-2025 01-2026: 1.6%● 0.0% vs 12-2025 02-2026: 1.6%● 0.0% vs 01-2026 03-2026: 1.6%● 0.0% vs 02-2026 04-2026: 1.4%▼ -11.8% vs 03-2026 05-2026: 1.4%● 0.0% vs 04-2026 06-2026: 1.4%● 0.0% vs 05-2026 07-2026: 1.4%▼ -0.6% vs 06-2026lowest value 08-2026: 1.4%▲ +0.3% vs 07-2026 09-2026: 1.6%▲ +9.7% vs 08-2026 10-2026: 2.0%▲ +24.7% vs 09-2026

Size: total assets €96,898 lowers the probability for this profile
Founded in 1982 lowers the probability for this profile
Liquidity: current ratio 0.00, cash €1 raises the probability
2 ex-officio strike-offs in the KBO raises the probability

Credit up to €1,500 at 30 days acceptable

Liquidity short (current ratio 0.0; short-term debt: 21.4% and cash: 0% of total assets), and 63.6% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 36%, liquidity 25%, profitability 17%, growth against the median 18%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €96,898

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Founded in 1982

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Liquidity: current ratio 0.00, cash €1

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

2 ex-officio strike-offs in the KBO

In the bankruptcy model this factor raises the probability.

KBO publications

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

192122232425

2019 to 2025 · latest year -€8,324

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 16-10-2025, 15 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

15 d early

2024

9 d early

2023

387 d late

2022

770 d late

2021

1135 d late

2019

28 d late

2018

on the day

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 328 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Administrative warnings in the KBO publications

3 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.

KBO publications

Publications

Late accounts filingUBO non-complianceStrikeout withdrawn

Checked, nothing found (1)

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. Usually files around 22 November (4 of the last 5 filed years within 402 days of that day).

Companies Code · seven months

Position in the running window

31-03-2026 close06-10-2026 today31-10-2026 deadline