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FISCO-FINANCE

Active
Private limited companyfounded 1984active for 42 yearsvan de Wervelaan 89, 2970 Schilde, BelgiumKBO/BCE: BE 0425.285.414
Summary

FISCO-FINANCE has been active since 1984 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €159,127 and a net result of €3,241. Equity has been stable since 2018 (±2.1% per year). Its solvency ranks better than 66% of 4,123 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 31-01-1984 Normal situation
Activity
Certified accountants and tax accountants NACE 69201
Establishment unit
2.024.103.651 2970 Schilde, since 07-07-2006
Financial year end
31 December
Peppol
Reachable since 20-01-2026

Board and ownership

Board
Shareholders
  • Fisco 2000· score 5530-06-2025 annual accounts of Fisco 2000

Financial position

92 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€42,707
▼ 36.2%
Turnover
≈ €100,000
estimated
Profit
€3,241
▼ 85.9%
Equity
€159,127
▼ 24.5%
Total assets
€259,696
▼ 8.7%
Filed on 18-06-2026, 43 days before the deadline
Score breakdownlowers riskSector: Legal and accounting activities (NACE 69)Liquidity: current ratio 2.21, cash €88,263Size: total assets €259,696Figures for financial year 2025 (filed on 18-06-2026)Show the evidence

Checked score

Score 2025
92 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 40% of micro companies in legal and accounting (NACE 69)
Financial strength · tick: 2024
Strong
Solvency 86-13
equity 61.3% of total assets
Liquidity 75-2
short-term debt 38.0% · cash 34.0%
Profitability 70-9
return on assets 1.2%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (20,087 companies, NACE 69, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025lowest value 08-2025: < 0.1%● unchanged vs 07-2025lowest value 09-2025: < 0.1%● unchanged vs 08-2025lowest value 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026highest value 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €14,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.21 (3.5 in 2024), above the usual 1.5. Short-term debt is 38% and cash 34% of total assets. 38.7% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 57% of them on solvency, 64% on liquidity, 19% on profitability and 17% on growth.

The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskneutral
lowers risk · Sector: Legal and accounting activities (NACE 69)
KBO
lowers risk · Liquidity: current ratio 2.21, cash €88,263
NBB · annual accounts
lowers risk · Size: total assets €259,696
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 18-06-2026)
NBB · annual accounts
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 18-06-2026, 43 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
43 days early
2024
41 days early
2023
21 days early
2022
7 days early
2021
30 days early
2020
36 days early
2019
32 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 30 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 86% of companies in legal and accountingsector median €95,390 · 4,112 companies €3,241 View
  • Caution: Directors leftlatest change 05-10-2026 · 1 in office 2 left View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €3,241 8 years View

Recent changes

  1. · Gazette deed Resignation: Hildegard Verbiest (director)
  2. · Gazette deed Resignation: Lutgarde Verbiest (director)
  3. · Gazette deed Changes of role: Verbiest Bart (director) and Verbiest Lutgarde (director)Appointment: Verbiest Hildegarde (director)
All 18 events

Comparable companies

These companies have the same main activity as FISCO-FINANCE: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €207,000 and €257,000, founded between 1982 and 1989.

CompanyTotal assetsGross margin
FISCO-FINANCE Schilde€259,696€42,707
PRO-BURO Zoersel€239,062€36,475
Dany Versteghe, boekhoudkantoor Brugge€227,787€40,647
BUREAU D'EXPERTISE COMPTABLE ET FISCALE BADALIN Soignies€236,018€42,571
Euroconsult CBC Poperinge€226,094€48,916
FIBA Sint-Jans-Molenbeek€256,642€37,086
FIDUCIAIRE VERDYCK & PARTNERS Antwerpen€207,352€39,825
Full comparison

Key facts about FISCO-FINANCE

What is the company number of FISCO-FINANCE?
The company number of FISCO-FINANCE is 0425.285.414. The VAT number is the same number with BE in front: BE 0425.285.414.
Where is FISCO-FINANCE based?
The registered office is at van de Wervelaan 89, 2970 Schilde.Company details
What does FISCO-FINANCE do?
According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
What is the legal form of FISCO-FINANCE?
The legal form of FISCO-FINANCE is Private limited company (BV).
When was FISCO-FINANCE founded?
FISCO-FINANCE was founded on 31-01-1984.
Is FISCO-FINANCE still active?
Yes, FISCO-FINANCE is an active enterprise in the KBO register.
What is the turnover of FISCO-FINANCE?
The turnover in financial year 2025 is ≈ €100,000. This figure is estimated from the gross margin of €42,707 and 53 comparable companies (NACE 69201). It probably lies between €76,000 and €140,000.Financials
Is FISCO-FINANCE profitable?
In financial year 2025, FISCO-FINANCE made a profit of €3,241.
Where can I find the annual accounts of FISCO-FINANCE?
FISCO-FINANCE filed 42 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of FISCO-FINANCE due?
FISCO-FINANCE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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