FISCONA
ActiveFISCONA has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49k and a net result of €-1k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 12643 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency79▼-16
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 1.82 in 2024), and 47.4% 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 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52.6%
Return on assets
-1.6%
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
30 d early
2023
174 d early
2022
32 d late
2021
31 d late
2020
88 d late
2019
93 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€49k▼ 2.9%
2024 · €50k
2018: €43k
2019: €40k
2020: €46k
2021: €46k
2022: €48k
2023: €52k
2024: €50k
2018 → 2025
Total assets
€93k▲ 13.5%
2024 · €82k
2018: €79k
2019: €86k
2020: €77k
2021: €77k
2022: €76k
2023: €97k
2024: €82k
2018 → 2025
Net result
€-1k▲ 29.6%
2024 · €-2k
2018: €7k
2019: €-3k
2020: €6k
2023: €8k
2024: €-2k
2018 → 2025
Working capital
€9k▼ 64.7%
2024 · €25k
2018: €36k
2019: €35k
2020: €37k
2021: €37k
2022: €37k
2023: €22k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€48k▲ 3.1%€52k▲ 8.9%€50k▼ 4.0%€49k▼ 2.9%
Operating result€17k€2k▼ 90.2%€3k▲ 89.6%
Net result€8k€-2k€-1k▲ 29.6%
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 recovers in 2025; 2025 is 90% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €93k
Fixed assets
€42k▲ 56.4%
Current assets
€51k▼ 7.3%
Equity and liabilities €93k
Equity
€49k▼ 2.9%
Debt
€44k▲ 39.6%
The debt ratio rises from 38.5% to 47.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€18k▲
2024 · €12k
Cash flow
€13k▲
2024 · €8k
Solvency
52.6%▼
2024 · 61.5%
Current ratio
1.21▼
2024 · 1.82
Quick ratio
1.21▼
2024 · 1.82
Debt / equity
0.90▲
2024 · 0.63
ROE
-3.0%▲
2024 · -4.1%
ROA
-1.6%▲
2024 · -2.5%
Interest coverage
11.08▲
2024 · 8.57
Debt
€44k▲
2024 · €31k
Debt ≤ 1 year
€42k▲
2024 · €30k
Debt > 1 year
€2k▲
2024 · €1k
Income taxes
€3k▲
2024 · €2k
Staff costs
€19k▼
2024 · €20k
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€82k€93k▲
Fixed assets21/28€27k€42k▲
Intangible fixed assets21€4k€2k▼
Tangible fixed assets22/27€23k€40k▲
Land and buildings22€5k€3k▼
Plant, machinery and equipment23€5k€9k▲
Furniture and vehicles24€13k€28k▲
Current assets29/58€55k€51k▼
Amounts receivable within one year40/41€50k€42k▼
Trade receivables40€35k€37k▲
Other amounts receivable41€15k€5k▼
Current investments50/53€1k€3k▲
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€82k€93k▲
Equity10/15€50k€49k▼
Contributions10/11€9k€9k=
Reserves13€37k€37k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€9k€9k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14€4k€3k▼
Amounts payable17/49€31k€44k▲
Amounts payable after more than one year17€1k€2k▲
Financial debts170/4€1k€2k▲
Amounts payable within one year42/48€30k€42k▲
Current portion of amounts payable after more than one year42€10k€5k▼
Financial debts43-€10k
Credit institutions430/8-€10k
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€18k€14k▼
Taxes450/3€11k€12k▲
Remuneration and social security454/9€6k€2k▼
Other amounts payable47/48-€6k
Income statement
Code20242025
Non-recurring operating income76A€6k€2k▼
Remuneration, social security and pensions62€20k€19k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€15k▲
Other operating charges640/8€681€797▲
Non-recurring operating charges66A€75€300▲
Gross operating margin9900€33k€37k▲
Operating profit (loss)9901€2k€3k▲
Financial income75/76B€122€15▼
Recurring financial income75€122€15▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€384€2k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€-2k€-1k▲
Profit (loss) for the period to be appropriated9905€-2k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€3k▼
Profit (loss) brought forward from the previous period14P€6k€4k▼
The notes to these accounts (11 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
17-07
State Gazette act
Incorporation · Founder
Founding capital · Bank account
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €8k ▲27%
Operating result €17k, net result €8k, both a record.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
01-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 93 days late
2019
31-12
Financial
Weakest financial yearnet €-3k ▼145%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneState Gazette actNBB 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, Edegem · 1 establishment unit since 1992
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.
Boniverlei 982650 EdegemGround area
709 m²
Building footprint
151 m²
Volume, LiDAR
780 m³
Parcel 11472B0118/00K002, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FISCONA
since 19922.056.293.892
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472B0118/00K002 | Flanders | 709 m² | 1 · 150 m² | 8.7 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 2,676 EUR awarded · 2,676 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 126 EUR | 126 EUR |
| 2023 | 1 | 1,800 EUR | 2,550 EUR |
| 2022 | 1 | 750 EUR | 0 EUR |
Schemes
Aanwervingsincentive voor langdurig werkzoekenden (AWI) - Stopgezet
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
O.C.F.B.
BE 0452.387.709
Tournai · Eq €49k
BOEKHOUDTEAM
BE 0537.617.847
Heist-op-den-Berg · Eq €49k
Compta.be
BE 0845.174.955
Sint-Gillis (bij-Brussel) · Eq €49k
FIDULYS
BE 0783.478.007
Kortrijk · Eq €49k
Demeter K
BE 0632.575.503
Lendelede · Eq €49k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,600. 5,868 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-1992
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.