FISCO MANAGEMENT
ActiveFISCO MANAGEMENT has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87k and a net result of €2k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 39% of 12637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent▼ -15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-91
Solvency85▲+9
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.81 against 1.62 in 2024), but 55.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
44.5%
Return on assets
0.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-01-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
11 d early
2023
16 d early
2022
15 d early
2021
25 d late
2020
28 d late
2019
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€87k▲ 1.9%
2024 · €85k
2019: €60k
2020: €63k
2021: €61k
2022: €68k
2023: €66k
2024: €85k
2019 → 2025
Total assets
€195k▼ 6.5%
2024 · €209k
2019: €247k
2020: €235k
2021: €223k
2022: €215k
2023: €210k
2024: €209k
2019 → 2025
Net result
€2k▼ 91.3%
2024 · €19k
2019: €18k
2020: €4k
2021: €-2k
2022: €7k
2023: €-2k
2024: €19k
2019 → 2025
Working capital
€31k▲ 15.3%
2024 · €27k
2019: €23k
2020: €32k
2021: €25k
2022: €28k
2023: €20k
2024: €27k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€68k▲ 11.3%€66k▼ 3.0%€85k▲ 28.6%€87k▲ 1.9%
Operating result€12k-€17k▲ 41.5%€9k▼ 44.0%€17k▲ 78.0%€14k▼ 17.0%
Net result€-2k-€7k€-2k€19k€2k▼ 91.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €195k
Fixed assets
€126k▼ 9.1%
Current assets
€69k▼ 1.5%
Equity and liabilities €195k
Equity
€87k▲ 1.9%
Debt
€108k▼ 12.4%
The debt ratio falls from 59.2% to 55.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€26k▼
2024 · €30k
Cash flow
€14k▼
2024 · €32k
Solvency
44.5%▲
2024 · 40.8%
Current ratio
1.81▲
2024 · 1.62
Quick ratio
1.81▲
2024 · 1.62
Debt / equity
1.25▼
2024 · 1.45
ROE
1.9%▼
2024 · 22.3%
ROA
0.8%▼
2024 · 9.1%
Interest coverage
4.23▼
2024 · 4.53
Debt
€108k▼
2024 · €123k
Debt ≤ 1 year
€38k▼
2024 · €43k
Debt > 1 year
€70k▼
2024 · €80k
Income taxes
€6k▲
2024 · €4k
Staff costs
€37k▼
2024 · €37k
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€209k€195k▼
Fixed assets21/28€139k€126k▼
Tangible fixed assets22/27€139k€126k▼
Land and buildings22€122k€113k▼
Furniture and vehicles24€17k€13k▼
Current assets29/58€70k€69k▼
Amounts receivable within one year40/41€7k€5k▼
Trade receivables40€7k€4k▼
Other amounts receivable41€248€2k▲
Cash at bank and in hand54/58€30k€30k▲
Deferred charges and accrued income490/1€32k€33k▲
Equity and liabilities
Total equity and liabilities10/49€209k€195k▼
Equity10/15€85k€87k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€65k€66k▲
Amounts payable17/49€123k€108k▼
Amounts payable after more than one year17€80k€70k▼
Financial debts170/4€80k€70k▼
Amounts payable within one year42/48€43k€38k▼
Current portion of amounts payable after more than one year42€15k€13k▼
Trade debts44€10k€6k▼
Suppliers440/4€10k€6k▼
Advances received on contracts in progress46€8k€9k▲
Taxes, remuneration and social security45€7k€8k▲
Taxes450/3€4k€4k▼
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€3k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€37k€37k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k€750▼
Other operating charges640/8-€455
Gross operating margin9900€68k€64k▼
Operating profit (loss)9901€17k€14k▼
Financial income75/76B€13k-
Recurring financial income75€13k-
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€23k€7k▼
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€19k€2k▼
Profit (loss) for the period to be appropriated9905€19k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€65k€66k▲
Profit (loss) brought forward from the previous period14P€46k€65k▲
The notes to these accounts (6 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
16-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
15-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
30-06
Financial
Weakest financial yearnet €-2k ▼159%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
28-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
19-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 19 days late
2017
23-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Koekelberg · 1 establishment unit since 2005
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.
Pantheonlaan 80/91081 KoekelbergGround area
377 m²
Building footprint
222 m²
Volume, LiDAR
4,353 m³
Parcel 21011A0041/00S002, Brussels · tallest building 23.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Pantheonlaan 80, 1081 Koekelberg
since 20052.234.256.824
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21011A0041/00S002 | Brussels | 377 m² | 1 · 222 m² | 23.4 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 6,393 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-11-2005
Fiscal year end30-06
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.