Fisko-Immo

Active

Public limited companyfounded 198441 yrs activeBeekstraat 10, 9520 Sint-Lievens-Houtem, BelgiumKBO/BCE: BE 0426.584.620

Summary

Fisko-Immo has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €368,735 and a net result of €154,728. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 92% of 15377 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisWatch Report Compare

Fisko-ImmoActiveChecked score 58/100

Risk analysis Report Compare

Activity

Certified accountants and tax accountants

NACE 69201Legal and accounting activities NACE 69202NACE 74121

#1 oldest company in Sint-Lievens-Houtem, Professional and technical services sector1 site

Size

€400,082total assets 2024

Equity: €368,735
Profit: €154,728

Turnover not published (abridged schema)

Financial health

58 Fair Checked score 2024

Bankruptcy chance 12 m: 0.5%

Structure

Accounts 65 d overdue1 of 9 deeds read

Why 58Capped at 59: a confirmed filing finding- 1 financial year not filed after the legal deadline; latest accounts 164 days late; 3 of the last 3 late- 1 change of registered office in 24 months+ Sector Legal and accounting activities (NACE 69)+ Liquidity: current ratio 10.89, cash €329,704Show the evidence

Checked score

Score 2024

58 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 88% of its sector peers (NACE 69, micro)

Performance against the sector, not lower risk

A confirmed filing finding caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2023

Strong

Solvency 100=

equity 92.2% of total assets

Liquidity 100+7

short-term debt 7.8% · cash 82.4%

Profitability 100+18

return on assets 38.7%

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (19,836 companies)

Last 24 months 11-2024: 1.3% 12-2024: 1.6%▲ +24.6% vs 11-2024 01-2025: 2.7%▲ +65.3% vs 12-2024 02-2025: 2.7%● 0.0% vs 01-2025 03-2025: 2.9%▲ +8.2% vs 02-2025 04-2025: 2.8%▼ -6.3% vs 03-2025 05-2025: 2.8%● 0.0% vs 04-2025 06-2025: 2.8%● 0.0% vs 05-2025 07-2025: 2.8%● 0.0% vs 06-2025 08-2025: 3.9%▲ +41.0% vs 07-2025highest value 09-2025: 3.9%● 0.0% vs 08-2025highest value 10-2025: 3.9%● 0.0% vs 09-2025highest value 11-2025: 3.9%● 0.0% vs 10-2025highest value 12-2025: 3.9%● 0.0% vs 11-2025highest value 01-2026: 3.9%● 0.0% vs 12-2025highest value 02-2026: 0.1%▼ -98.0% vs 01-2026lowest value 03-2026: 0.2%▲ +171% vs 02-2026 04-2026: 0.2%▼ -1.9% vs 03-2026 05-2026: 0.2%▼ -7.2% vs 04-2026 06-2026: 0.2%▼ -8.3% vs 05-2026 07-2026: 0.2%▲ +15.9% vs 06-2026 08-2026: 0.3%▲ +24.0% vs 07-2026 09-2026: 0.3%▲ +24.1% vs 08-2026 10-2026: 0.5%▲ +47.8% vs 09-2026

1 financial year not filed after the legal deadline; latest accounts 164 days late; 3 of the last 3 late raises the probability
Sector Legal and accounting activities (NACE 69) lowers the probability
1 change of registered office in 24 months raises the probability
Liquidity: current ratio 10.89, cash €329,704 lowers the probability

Credit up to €21,000 at 30 days only on tighter terms

Liquidity ample (current ratio 10.89 against 6.21 in 2023; short-term debt: 7.8% and cash: 82.4% of total assets), and 7.8% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 69, micro). Better than this share of them on solvency 86%, liquidity 97%, profitability 82%, growth against the median 85%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk

1 financial year not filed after the legal deadline; latest accounts 164 days late; 3 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Sector Legal and accounting activities (NACE 69)

In the bankruptcy model this factor lowers the probability.

KBO

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Liquidity: current ratio 10.89, cash €329,704

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Growing equity

Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €368,735

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-01-2026, 164 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

164 d late

2023

529 d late

2022

308 d late

2021

1263 d late

2020

90 d late

2019

243 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 433 days 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 (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

26-02-26 Appointment: Roelandt Raf (director)Resignation: Roelandt Raf (director) ·…
14-01-26 Annual accounts filedfiscal year 2021 · micro…
11-01-26 Annual accounts filedfiscal year 2024 · micro…

Key points

Positive: Result rose in 2024from €24,375 to €154,728 ▲ 535% View
Positive: Oldest company in Sint-Lievens-Houtem, Professional and technical services…in the Checked rankings #1 View
Caution: Accounts not fileddeadline was 31-07-2026 65 d late View
Positive: 7 profitable years in a rowprofit 2024: €154,728 7 years View
A director leftlatest change 26-02-2026 · 0 in office 1 left View