Fiscoplan
ActiveSummary
Fiscoplan has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €322,751 and a net result of €189,099. Equity is growing by ~47.1% per year across the filed fiscal years. Its solvency ranks better than 47% of 1012 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability90▼-9
Solvency54▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24,000 at 30 days acceptable
Liquidity tight (current ratio 1.34 against 1.26 in 2024; short-term debt: 69% and cash: 28.6% of total assets), and 70.9% of the assets are financed with debt.
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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
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
29.1%
Return on assets
17.1%
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 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
1 d early
2023
on the day
2022
8 d late
2021
1 d late
2020
1 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 1 day after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Financials · fiscal year 2025, full schema
In the rankings
#2 employer in Walloon Brabant, Legal and accounting sector#10 company by total assets in Court-Saint-Etienne, Professional and technical services sector
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€189,099▼ 21.4%
2024 · €240,731
Working capital
€262,921▲ 41.2%
2024 · €186,139
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€29,280▼ 47.6%€194,398▲ 564%€178,111▼ 8.4%€313,820▲ 76.2%€269,708▼ 14.1%
Net result€16,537within the sector's middle half▼ 54.9%€149,573within the sector's middle half▲ 804%€140,607within the sector's middle half▼ 6.0%€240,731within the sector's middle half▲ 71.2%€189,099within the sector's middle half▼ 21.4%
Equity€41,741below the sector's middle half▲ 3.8%€107,313within the sector's middle half▲ 157%€127,921within the sector's middle half▲ 19.2%€238,652within the sector's middle half▲ 86.6%€322,751within the sector's middle half▲ 35.2%
Total assets€543,915within the sector's middle half▲ 10.8%€715,228within the sector's middle half▲ 31.5%€888,875within the sector's middle half▲ 24.3%€989,400within the sector's middle half▲ 11.3%€1.1mwithin the sector's middle half▲ 12.1%
Debt€502,174▲ 11.5%€607,915▲ 21.1%€760,954▲ 25.2%€750,748▼ 1.3%€786,163▲ 4.7%
Working capital€115,235within the sector's middle half▼ 6.7%€170,259within the sector's middle half▲ 47.7%€169,801within the sector's middle half▼ 0.3%€186,139within the sector's middle half▲ 9.6%€262,921within the sector's middle half▲ 41.2%
Solvency7.7%below the sector's middle half▼ 0.5pp15.0%within the sector's middle half▲ 7.3pp14.4%within the sector's middle half▼ 0.6pp24.1%within the sector's middle half▲ 9.7pp29.1%within the sector's middle half▲ 5.0pp
Current ratio1.30within the sector's middle half▼ 0.081.34within the sector's middle half▲ 0.041.26within the sector's middle half▼ 0.081.26within the sector's middle half=1.34within the sector's middle half▲ 0.09
Return on assets (ROA)3.0%within the sector's middle half▼ 4.4pp20.9%above the sector's middle half▲ 17.9pp15.8%within the sector's middle half▼ 5.1pp24.3%above the sector's middle half▲ 8.5pp17.1%within the sector's middle half▼ 7.3pp
Staff (FTE)16.4above the sector's middle half19.3above the sector's middle half▲ 17.7%22.2above the sector's middle half▲ 15.0%21.9above the sector's middle half▼ 1.4%
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.1m
Fixed assets
€81,263 ▼ 2.0%
Current assets
€1.0m ▲ 13.4%
Equity and liabilities €1.1m
Equity
€322,751 ▲ 35.2%
Debt
€786,163 ▲ 4.7%
Debt's share of the balance-sheet total falls from 75.9% to 70.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€300,857▼
2024 · €340,541
Cash flow
€220,248▼
2024 · €267,453
Debt to equity
2.44▼
2024 · 3.15
ROE
58.6%▼
2024 · 100.9%
Interest coverage
13.18▼
2024 · 54.62
Debt ≤ 1 year
€764,730▲
2024 · €720,322
Debt > 1 year
€21,425▼
2024 · €29,971
Income taxes
€58,813▼
2024 · €68,143
Staff costs
€1.3m▲
2024 · €1.2m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,613 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 97% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
2.0%
stopped otherwise
97%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,613 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €755 | - | €450 | - | - |
| Remuneration, social security and pensions62 | - | €754,755 | €1.0m | €1.2m | €1.3m | ▲ 7.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,311 | €13,968 | €19,642 | €26,721 | €31,149 | ▲ 16.6% |
| Other operating charges640/8 | - | €12,218 | €14,449 | €21,172 | €31,395 | ▲ 48.3% |
| Non-recurring operating charges66A | - | - | €61 | - | €60 | - |
| Gross operating margin9900 | €708,210 | €975,339 | €1.2m | €1.6m | €1.6m | ▲ 3.6% |
| Operating profit (loss)9901 | €29,280 | €194,398 | €178,111 | €313,820 | €269,708 | ▼ 14.1% |
| Financial income75/76B | - | €1,426 | €408 | €1,289 | €1,038 | ▼ 19.5% |
| Recurring financial income75 | €6,239 | €1,426 | €408 | €1,289 | €1,038 | ▼ 19.5% |
| Financial charges65/66B | - | €5,052 | €6,381 | €6,235 | €22,835 | ▲ 266% |
| Recurring financial charges65 | €5,478 | €5,052 | €6,381 | €6,235 | €22,835 | ▲ 266% |
| Profit (loss) for the period before taxes9903 | €30,041 | €190,772 | €172,138 | €308,874 | €247,911 | ▼ 19.7% |
| Income taxes67/77 | €13,504 | €41,199 | €31,531 | €68,143 | €58,813 | ▼ 13.7% |
| Profit (loss) for the period9904 | €16,537 | €149,573 | €140,607 | €240,731 | €189,099 | ▼ 21.4% |
| Profit (loss) for the period to be appropriated9905 | €16,537 | €149,573 | €140,607 | €240,731 | €189,099 | ▼ 21.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €543,915 | €715,228 | €888,875 | €989,400 | €1.1m | ▲ 12.1% |
| Fixed assets21/28 | €44,267 | €44,880 | €58,504 | €82,938 | €81,263 | ▼ 2.0% |
| Tangible fixed assets22/27 | €41,467 | €42,080 | €55,704 | €80,138 | €78,463 | ▼ 2.1% |
| Plant, machinery and equipment23 | - | €13,843 | €12,211 | €18,192 | €29,794 | ▲ 63.8% |
| Furniture and vehicles24 | - | €11,281 | €29,397 | €48,375 | €38,203 | ▼ 21.0% |
| Other tangible fixed assets26 | - | €16,956 | €14,097 | €13,571 | €10,466 | ▼ 22.9% |
| Financial fixed assets28 | €2,800 | €2,800 | €2,800 | €2,800 | €2,800 | = |
| Current assets29/58 | €499,648 | €670,348 | €830,370 | €906,462 | €1.0m | ▲ 13.4% |
| Amounts receivable within one year40/41 | €309,488 | €328,172 | €463,498 | €599,150 | €637,775 | ▲ 6.4% |
| Trade receivables40 | - | €323,362 | €459,016 | €594,667 | €629,471 | ▲ 5.9% |
| Other amounts receivable41 | - | €4,809 | €4,483 | €4,483 | €8,304 | ▲ 85.2% |
| Current investments50/53 | - | €50,992 | €51,252 | - | - | - |
| Cash at bank and in hand54/58 | €168,352 | €265,804 | €279,961 | €260,816 | €317,607 | ▲ 21.8% |
| Deferred charges and accrued income490/1 | - | €25,381 | €35,659 | €46,495 | €72,269 | ▲ 55.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €543,915 | €715,228 | €888,875 | €989,400 | €1.1m | ▲ 12.1% |
| Equity10/15 | €41,741 | €107,313 | €127,921 | €238,652 | €322,751 | ▲ 35.2% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €88,713 | €109,321 | €220,052 | €304,151 | ▲ 38.2% |
| Non-distributable reserves130/1 | - | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | - | - | - | - |
| Distributable reserves133 | - | €86,853 | €109,321 | €220,052 | €304,151 | ▲ 38.2% |
| Profit (loss) carried forward14 | €21,281 | - | - | - | - | - |
| Amounts payable17/49 | €502,174 | €607,915 | €760,954 | €750,748 | €786,163 | ▲ 4.7% |
| Amounts payable after more than one year17 | €117,414 | €107,478 | €100,000 | €29,971 | €21,425 | ▼ 28.5% |
| Financial debts170/4 | - | €107,478 | €100,000 | €29,971 | €21,425 | ▼ 28.5% |
| Amounts payable within one year42/48 | €384,413 | €500,089 | €660,570 | €720,322 | €764,730 | ▲ 6.2% |
| Current portion of amounts payable after more than one year42 | - | €9,936 | €7,478 | €8,205 | €8,546 | ▲ 4.2% |
| Financial debts43 | - | €26,096 | €23,326 | €23,100 | €39,252 | ▲ 69.9% |
| Credit institutions430/8 | - | €26,096 | €23,326 | €23,100 | €39,252 | ▲ 69.9% |
| Trade debts44 | €51,693 | €63,238 | €130,475 | €126,589 | €93,481 | ▼ 26.2% |
| Suppliers440/4 | - | €63,238 | €130,475 | €126,589 | €93,481 | ▼ 26.2% |
| Taxes, remuneration and social security45 | - | €138,375 | €180,572 | €183,881 | €199,073 | ▲ 8.3% |
| Taxes450/3 | - | €50,716 | €65,738 | €32,979 | €35,666 | ▲ 8.1% |
| Remuneration and social security454/9 | - | €87,659 | €114,834 | €150,902 | €163,407 | ▲ 8.3% |
| Other amounts payable47/48 | - | €262,444 | €318,719 | €378,548 | €424,377 | ▲ 12.1% |
| Accrued charges and deferred income492/3 | - | €348 | €384 | €454 | €8 | ▼ 98.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,537 | €149,573 | €140,607 | €240,731 | €189,099 | ▼ 21.4% |
| + Depreciation and write-downs630 | €16,311 | €13,968 | €19,642 | €26,721 | €31,149 | ▲ 16.6% |
| Operating cash flow (approximation) | €32,847 | €163,541 | €160,249 | €267,453 | €220,248 | ▼ 17.6% |
| Investment in fixed assets (approximation) | - | -€14,581 | -€33,266 | -€51,155 | -€29,474 | ▲ 42.4% |
| Change in cash | - | €97,452 | €14,157 | -€19,144 | €56,791 | ▲ 397% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Highest result since 2019net €240,731 ▲71.2%
Operating result €313,820, net result €240,731, both a record.
30-06
Financial
Equity above €200,000Eq €238,652 ▲86.6%
6 profitable years in a row build equity to €238,652.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
08-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 8 days late
2022
30-06
Financial
Equity above €100,000Eq €107,313 ▲157%
4 profitable years in a row build equity to €107,313.
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 1 day late
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 1 day late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Court-Saint-Etienne · 2 establishment units since 2008
Ground area
1,263 m²
Building footprint
139 m²
Volume, LiDAR
1,187 m³
2 parcels, Wallonia · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
FISCO PLAN
since 20082.175.430.975
Avenue des Combattants 18, 1490 Court-Saint-Etienne
since 20152.243.802.218
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25023H0010/00P000 | Wallonia | 899 m² | 1 · 66 m² | 11.9 m · 3 fl. |
| 25023A0663/00M003 | Wallonia | 364 m² | 1 · 73 m² | 9.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerOwners 1
-
0.99%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
9845006180B010928A58
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 6,000 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-01-2003
Fiscal year end30-06
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0479218305
Also
9925:BE0479218305
Registered
25-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.