FISKCONSULT
ActiveSummary
FISKCONSULT has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €20k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 39% of 3307 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability93▲+1
Solvency56▲+13
Growth69=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 0.99 in 2024; short-term debt: 58.4% and cash: 66.4% of total assets), and 68.8% of the assets are financed with debt.
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Signals
Five 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 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
31.2%
Return on assets
16.5%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €38k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
21 d late
2023
22 d late
2022
25 d late
2021
29 d late
2020
25 d late
2019
102 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€67k▲ 4.9%
2024 · €64k
EBIT margin
32.6%▲ 0.8pp
2024 · 31.8%
Net result
€20k▲ 34.4%
2024 · €15k
Working capital
€29k
2024 · €-748
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€39k▼ 12.8%€59k▲ 48.8%€54k▼ 7.2%€64k▲ 16.9%€67k▲ 4.9%
Operating result€-10k▼ 721%€-2k▲ 84.3%€8k€20k▲ 153%€22k▲ 7.7%
Net result€-10k€-3k▲ 73.6%€8k€15k▲ 99.2%€20k▲ 34.4%
EBIT margin-25.8%▼ 23.1pp-2.7%▲ 23.1pp14.7%▲ 17.4pp31.8%▲ 17.1pp32.6%▲ 0.8pp
Equity€-2k€-5k▼ 147%€3k€18k▲ 501%€38k▲ 112%
Total assets€67k▲ 44.3%€73k▲ 7.9%€77k▲ 6.1%€99k▲ 28.3%€123k▲ 23.9%
Debt€64k▲ 92.9%€72k▲ 12.5%€69k▼ 4.3%€70k▲ 1.1%€73k▲ 4.9%
Working capital€-40k€-33k▲ 18.3%€-19k▲ 42.7%€-748▲ 96.0%€29k
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 has risen four years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €123k
Fixed assets
€22k ▼ 25.1%
Current assets
€100k ▲ 45.1%
Equity and liabilities €123k
Equity
€38k ▲ 112%
Provisions
€11k =
Debt
€73k ▲ 4.9%
Debt's share of the balance-sheet total falls from 70.6% to 59.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k▲
2024 · €30k
Cash flow
€32k▲
2024 · €25k
Current ratio
1.40▲
2024 · 0.99
Debt to equity
1.92▼
2024 · 3.87
ROE
52.8%▼
2024 · 83.4%
ROA
16.5%▲
2024 · 15.2%
Interest coverage
344.17▼
2024 · 749.40
Debt ≤ 1 year
€72k▲
2024 · €70k
Income taxes
€7k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €39k | €59k | €54k | €64k | €67k | ▲ 4.9% |
| Goods, raw materials, services and sundry goods60/61 | €39k | €49k | €36k | €26k | €31k | ▲ 18.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €9k | €8k | €9k | €12k | ▲ 27.9% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | €6k | - | - |
| Other operating charges640/8 | €3k | €2k | €2k | €2k | €2k | = |
| Gross operating margin9900 | €452 | €10k | €19k | €38k | €36k | ▼ 4.8% |
| Operating profit (loss)9901 | €-10k | €-2k | €8k | €20k | €22k | ▲ 7.7% |
| Financial income75/76B | €0 | €253 | €47 | €862 | €5k | ▲ 522% |
| Recurring financial income75 | €0 | €253 | €47 | €504 | €360 | ▼ 28.7% |
| Non-recurring financial income76B | - | - | - | €358 | €5k | ▲ 1,298% |
| Financial charges65/66B | €483 | €490 | €480 | €40 | €99 | ▲ 148% |
| Recurring financial charges65 | €483 | €490 | €480 | €40 | €99 | ▲ 148% |
| Profit (loss) for the period before taxes9903 | €-11k | €-2k | €8k | €21k | €27k | ▲ 28.4% |
| Income taxes67/77 | €-412 | €871 | - | €6k | €7k | ▲ 13.4% |
| Profit (loss) for the period9904 | €-10k | €-3k | €8k | €15k | €20k | ▲ 34.4% |
| Profit (loss) for the period to be appropriated9905 | €-10k | €-3k | €8k | €15k | €20k | ▲ 34.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €67k | €73k | €77k | €99k | €123k | ▲ 23.9% |
| Fixed assets21/28 | €43k | €35k | €27k | €30k | €22k | ▼ 25.1% |
| Tangible fixed assets22/27 | €43k | €35k | €26k | €29k | €22k | ▼ 26.4% |
| Land and buildings22 | €7k | €7k | €7k | €7k | €7k | ▲ 6.9% |
| Plant, machinery and equipment23 | - | - | - | €12k | €14k | ▲ 17.3% |
| Furniture and vehicles24 | €36k | €27k | €19k | €10k | €0 | ▼ 100% |
| Financial fixed assets28 | - | €500 | €500 | €500 | €750 | ▲ 50.0% |
| Current assets29/58 | €24k | €38k | €51k | €69k | €100k | ▲ 45.1% |
| Amounts receivable within one year40/41 | €3k | €27k | €15k | €13k | €19k | ▲ 43.2% |
| Trade receivables40 | €1k | €23k | €12k | €12k | €19k | ▲ 61.6% |
| Other amounts receivable41 | €2k | €4k | €2k | €2k | - | - |
| Cash at bank and in hand54/58 | €21k | €11k | €36k | €56k | €82k | ▲ 45.8% |
| Deferred charges and accrued income490/1 | - | - | - | €125 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €67k | €73k | €77k | €99k | €123k | ▲ 23.9% |
| Equity10/15 | €-2k | €-5k | €3k | €18k | €38k | ▲ 112% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | €19k | €19k | €19k | €19k | €19k | = |
| Issued capital100 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €9k | €28k | ▲ 214% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | - | - | €7k | €26k | ▲ 271% |
| Profit (loss) carried forward14 | €-22k | €-25k | €-17k | €-9k | €-8k | ▲ 13.4% |
| Provisions and deferred taxes16 | €5k | €5k | €5k | €11k | €11k | = |
| Provisions for liabilities and charges160/5 | €5k | €5k | €5k | €11k | €11k | = |
| Major repairs and maintenance162 | €5k | €5k | €5k | €11k | €11k | = |
| Amounts payable17/49 | €64k | €72k | €69k | €70k | €73k | ▲ 4.9% |
| Amounts payable within one year42/48 | €64k | €70k | €69k | €70k | €72k | ▲ 2.5% |
| Trade debts44 | €786 | €9k | €6k | €6k | €6k | ▼ 5.0% |
| Suppliers440/4 | €786 | €9k | €6k | €6k | €6k | ▼ 5.0% |
| Taxes, remuneration and social security45 | - | - | - | €1k | €6k | ▲ 352% |
| Taxes450/3 | - | - | - | €1k | €6k | ▲ 352% |
| Other amounts payable47/48 | €63k | €61k | €63k | €63k | €60k | ▼ 4.3% |
| Accrued charges and deferred income492/3 | €390 | €2k | - | - | €2k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-10k | €-3k | €8k | €15k | €20k | ▲ 34.4% |
| + Depreciation and write-downs630 | €8k | €9k | €8k | €9k | €12k | ▲ 27.9% |
| Operating cash flow (approximation) | €-3k | €6k | €16k | €25k | €32k | ▲ 31.9% |
| Investment in fixed assets (approximation) | - | €-500 | €0 | €-13k | €-5k | ▲ 63.2% |
| Change in cash | - | €-11k | €25k | €20k | €26k | ▲ 28.6% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €20k ▲34.4%
Operating result €22k, net result €20k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 102 days late
2019
18-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 18 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 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, Kalmthout
Ground area
664 m²
Building footprint
199 m²
Volume, LiDAR
2,093 m³
Parcel 11662E0001/00B013, Flanders · tallest building 14.4 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662E0001/00B013 | Flanders | 664 m² | 1 · 199 m² | 14.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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ABD
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,563 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 (pre-2019)
Founded03-10-1994
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Scores and ratios are computed by Checked and are not a credit decision.