FISCOK
ActiveFISCOK has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €821k and a net result of €21k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 91% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-3
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 12.6 against 11.85 in 2024; short-term debt: 7.6% and cash: 9.4% of total assets), and 7.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
92.4%
Return on assets
2.3%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
19 d late
2022
60 d late
2021
50 d late
2020
61 d late
2019
66 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€821k▲ 2.6%
2024 · €801k
2018: €429k
2019: €516k
2020: €601k
2021: €657k
2022: €696k
2023: €758k
2024: €801k
2018 → 2025
Total assets
€889k▲ 2.1%
2024 · €871k
2018: €636k
2019: €727k
2020: €799k
2021: €793k
2022: €821k
2023: €868k
2024: €871k
2018 → 2025
Net result
€21k▼ 51.9%
2024 · €43k
2018: €24k
2019: €87k
2020: €85k
2021: €56k
2022: €39k
2023: €63k
2024: €43k
2018 → 2025
Working capital
€787k▲ 4.1%
2024 · €756k
2018: €338k
2019: €452k
2020: €571k
2021: €661k
2022: €695k
2023: €710k
2024: €756k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€657k-€696k▲ 5.9%€758k▲ 9.0%€801k▲ 5.6%€821k▲ 2.6%
Operating result€84k-€49k▼ 42.3%€67k▲ 37.8%€36k▼ 46.0%€13k▼ 64.3%
Net result€56k-€39k▼ 30.7%€63k▲ 60.6%€43k▼ 31.6%€21k▼ 51.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 64% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €889k
Fixed assets
€34k▼ 23.2%
Current assets
€855k▲ 3.5%
Equity and liabilities €889k
Equity
€821k▲ 2.6%
Debt
€68k▼ 2.7%
The debt ratio falls from 8.0% to 7.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▼
2024 · €47k
Cash flow
€32k▼
2024 · €54k
Solvency
92.4%▲
2024 · 92.0%
Current ratio
12.60▲
2024 · 11.85
Quick ratio
12.60▲
2024 · 11.85
Debt / equity
0.08▼
2024 · 0.09
ROE
2.5%▼
2024 · 5.3%
ROA
2.3%▼
2024 · 4.9%
Interest coverage
10.03▼
2024 · 25.87
Debt
€68k▼
2024 · €70k
Debt ≤ 1 year
€68k▼
2024 · €70k
Income taxes
€14k▼
2024 · €24k
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€871k€889k▲
Fixed assets21/28€45k€34k▼
Tangible fixed assets22/27€45k€34k▼
Furniture and vehicles24€37k€27k▼
Other tangible fixed assets26€7k€7k▲
Current assets29/58€826k€855k▲
Amounts receivable within one year40/41-€3k
Other amounts receivable41-€3k
Current investments50/53€768k€768k=
Cash at bank and in hand54/58€58k€84k▲
Equity and liabilities
Total equity and liabilities10/49€871k€889k▲
Equity10/15€801k€821k▲
Contributions10/11€12k€12k=
Reserves13€789k€809k▲
Tax-exempt reserves132€83k€83k=
Distributable reserves133€705k€726k▲
Amounts payable17/49€70k€68k▼
Amounts payable within one year42/48€70k€68k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€7k€5k▼
Taxes450/3€7k€5k▼
Other amounts payable47/48€59k€60k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€51k€29k▼
Operating profit (loss)9901€36k€13k▼
Financial income75/76B€32k€24k▼
Recurring financial income75€32k€24k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€66k€34k▼
Income taxes67/77€24k€14k▼
Profit (loss) for the period9904€43k€21k▼
Profit (loss) for the period to be appropriated9905€43k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€21k▼
Transfer to equity691/2€43k€21k▼
To other reserves6921€43k€21k▼
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
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €21k ▼51.9%
Net result drops to €21k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 50 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
31-12
Financial
Highest result since 2018net €87k ▲254%
Operating result €171k, net result €87k, both a record.
31-12
Financial
Equity above €500kEq €516k ▲20.2%
2 profitable years in a row build equity to €516k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oud-Heverlee · 1 establishment unit since 2000
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.
Bogaardenstraat 493050 Oud-HeverleeGround area
4,092 m²
Building footprint
183 m²
Volume, LiDAR
1,238 m³
Parcel 24086B0157/00D002, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FISCOK
since 20002.371.354.644
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24086B0157/00D002 | Flanders | 4,092 m² | 1 · 183 m² | 9.8 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600ED5CLJRD96GD30
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 29,941 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2000
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.