Fiscolegis
ActiveFiscolegis has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €316k and a net result of €18k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 77% of 2042 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-1
Solvency100▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 3.97 against 3.92 in 2024; short-term debt: 24.9% and cash: 3.8% of total assets), and 25% 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+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 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
75%
Return on assets
4.3%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-02-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
28 d late
2024
27 d late
2023
26 d late
2022
24 d late
2021
337 d late
2020
65 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 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€316k▲ 5.8%
2024 · €299k
2020: €44k
2021: €199k
2022: €259k
2023: €278k
2024: €299k
2020 → 2025
Total assets
€422k▲ 4.7%
2024 · €403k
2020: €98k
2021: €339k
2022: €362k
2023: €370k
2024: €403k
2020 → 2025
Net result
€18k▼ 13.8%
2024 · €21k
2020: €43k
2021: €155k
2022: €60k
2023: €19k
2024: €21k
2020 → 2025
Working capital
€311k▲ 5.7%
2024 · €294k
2020: €51k
2021: €197k
2022: €251k
2023: €269k
2024: €294k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€199k-€259k▲ 30.1%€278k▲ 7.4%€299k▲ 7.6%€316k▲ 5.8%
Operating result€233k-€86k▼ 63.3%€25k▼ 70.8%€41k▲ 64.4%€16k▼ 61.3%
Net result€155k-€60k▼ 61.3%€19k▼ 68.0%€21k▲ 11.0%€18k▼ 13.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 61% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €422k
Fixed assets
€6k▼ 26.6%
Current assets
€416k▲ 5.3%
Equity and liabilities €422k
Equity
€316k▲ 5.8%
Debt
€106k▲ 1.4%
The debt ratio falls from 25.8% to 25.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€18k▼
2024 · €43k
Cash flow
€20k▼
2024 · €23k
Solvency
75.0%▲
2024 · 74.2%
Current ratio
3.97▲
2024 · 3.92
Quick ratio
3.97▲
2024 · 3.92
Debt / equity
0.33▼
2024 · 0.35
ROE
5.8%▼
2024 · 7.1%
ROA
4.3%▼
2024 · 5.3%
Interest coverage
8.83▼
2024 · 17.76
Debt
€106k▲
2024 · €104k
Debt ≤ 1 year
€105k▲
2024 · €101k
Income taxes
€11k▼
2024 · €18k
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€403k€422k▲
Fixed assets21/28€8k€6k▼
Tangible fixed assets22/27€8k€6k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€6k€5k▼
Current assets29/58€395k€416k▲
Amounts receivable within one year40/41€362k€400k▲
Trade receivables40€31k€14k▼
Other amounts receivable41€331k€386k▲
Cash at bank and in hand54/58€29k€16k▼
Deferred charges and accrued income490/1€4k€493▼
Equity and liabilities
Total equity and liabilities10/49€403k€422k▲
Equity10/15€299k€316k▲
Contributions10/11€1k€1k=
Capital10€1k€1k=
Issued capital100€1k€1k=
Reserves13€238k€240k▲
Non-distributable reserves130/1-€2k
Other1319-€2k
Distributable reserves133€238k€238k=
Profit (loss) carried forward14€60k€75k▲
Amounts payable17/49€104k€106k▲
Amounts payable within one year42/48€101k€105k▲
Trade debts44€66k€71k▲
Suppliers440/4€66k€71k▲
Taxes, remuneration and social security45€35k€34k▼
Remuneration and social security454/9€35k€34k▼
Accrued charges and deferred income492/3€3k€742▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€910€188▼
Gross operating margin9900€44k€18k▼
Operating profit (loss)9901€41k€16k▼
Financial income75/76B€397€16k▲
Recurring financial income75€397€16k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€39k€30k▼
Income taxes67/77€18k€11k▼
Profit (loss) for the period9904€21k€18k▼
Profit (loss) for the period to be appropriated9905€21k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€75k▼
Profit (loss) brought forward from the previous period14P€60k€57k▼
Transfer to equity691/2€21k-
To other reserves6921€21k-
The notes to these accounts (3 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
28-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-06
Financial
Weakest financial yearnet €18k ▼13.8%
Net result drops to €18k, the lowest in the series.
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
26-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
24-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
03-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 337 days late
2022
30-06
Financial
Equity above €200kEq €259k ▲30.1%
3 profitable years in a row build equity to €259k.
2021
30-06
Financial
Highest result since 2020net €155k ▲258%
Operating result €233k, net result €155k, both a record.
30-06
Financial
Equity above €150kEq €199k ▲350%
2 profitable years in a row build equity to €199k.
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 65 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2019
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.
Olmendreef 88310 BruggeGround area
693 m²
Building footprint
142 m²
Volume, LiDAR
762 m³
Parcel 31434C0215/00Y002, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fiscolegis
since 20192.293.904.795
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31434C0215/00Y002 | Flanders | 693 m² | 1 · 142 m² | 7.4 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.
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Of 11,670 companies in sector 85599 we hold annual accounts for 1,329. 840 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-2019
Fiscal year end30-06
Activities, NACEBEL
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.