FIXNOW
ActiveSummary
The computed 12-month bankruptcy probability of FIXNOW is 2.2% (moderate). The 2025 annual accounts show equity of €11,089 and a net result of €18,640. Its solvency ranks better than 33% of 3,264 sector peers (NACE 95, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Equity
- €11,089
- Profit
- €18,640
Why 55raises riskFounded in 2023Last filed accounts filed 31 days late; 1 of the last 3 lateSize: total assets €54,938lowers riskLiquidity: current ratio 0.67, cash €21,564Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 95, micro): better than 31% on solvency, 56% on liquidity, 94% on profitability and 97% on growth.
The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 2 accounts on average 30 days after the deadline; the sector median (NACE 95) for financial year 2024 is on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €18,640
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00496137.
2024 to 2025, 2 financial years
The operating result rises in 2025; 2025 is nearly 15 times 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 7,976 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 94.3% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.2% 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 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 7,976 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.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,078 | €3,539 | ▲ 15.0% |
| Other operating charges640/8 | - | €3,598 | - |
| Gross operating margin9900 | €4,139 | €22,633 | ▲ 447% |
| Operating profit (loss)9901 | €1,061 | €15,496 | ▲ 15× |
| Financial income75/76B | €20 | €223 | ▲ 11× |
| Recurring financial income75 | €20 | €223 | ▲ 11× |
| Financial charges65/66B | €1,632 | €2,266 | ▲ 38.8% |
| Recurring financial charges65 | €1,632 | €2,266 | ▲ 38.8% |
| Profit (loss) for the period before taxes9903 | -€551 | €13,454 | - |
| Income taxes67/77 | €8,000 | -€5,186 | - |
| Profit (loss) for the period9904 | -€8,551 | €18,640 | - |
| Profit (loss) for the period to be appropriated9905 | -€8,551 | €18,640 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €37,657 | €54,938 | ▲ 45.9% |
| Formation expenses20 | €0 | €0 | - |
| Fixed assets21/28 | €10,534 | €25,666 | ▲ 144% |
| Tangible fixed assets22/27 | €7,970 | €17,126 | ▲ 115% |
| Land and buildings22 | - | €10,351 | - |
| Furniture and vehicles24 | €7,970 | €6,775 | ▼ 15.0% |
| Financial fixed assets28 | €2,565 | €8,540 | ▲ 233% |
| Current assets29/58 | €27,123 | €29,272 | ▲ 7.9% |
| Amounts receivable within one year40/41 | €3,269 | €7,709 | ▲ 136% |
| Trade receivables40 | €0 | €0 | - |
| Other amounts receivable41 | €3,269 | €7,709 | ▲ 136% |
| Cash at bank and in hand54/58 | €23,854 | €21,564 | ▼ 9.6% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €37,657 | €54,938 | ▲ 45.9% |
| Equity10/15 | -€7,551 | €11,089 | - |
| Contributions10/11 | €1,000 | €1,000 | = |
| Profit (loss) carried forward14 | -€8,551 | €10,089 | - |
| Amounts payable17/49 | €45,209 | €43,849 | ▼ 3.0% |
| Amounts payable within one year42/48 | €45,209 | €43,849 | ▼ 3.0% |
| Trade debts44 | €34,431 | €7,267 | ▼ 78.9% |
| Suppliers440/4 | €34,431 | €7,267 | ▼ 78.9% |
| Taxes, remuneration and social security45 | €9,125 | €17,585 | ▲ 92.7% |
| Taxes450/3 | €9,125 | €17,585 | ▲ 92.7% |
| Other amounts payable47/48 | €1,652 | €18,997 | ▲ 11× |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€8,551 | €18,640 | - |
| + Depreciation and write-downs630 | €3,078 | €3,539 | ▲ 15.0% |
| Operating cash flow (approximation) | -€5,473 | €22,179 | - |
| Investment in fixed assets (approximation) | - | -€18,670 | - |
| Change in cash | - | -€2,290 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00496137 |
| 31-12-2024 | micro format | 29-08-2025 | 2025-00464133 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| MAKSYMENKO Pavlo Oleksijovytsj |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
24-08
Gazette deed
IncorporationAppointment: MAKSYMENKO Pavlo Oleksijovytsj (director) · Founder · Share issue8 facts ▸
- Incorporation, “FIXNOW” (deed in Dutch)
- Founder, MAKSYMENKO Pavlo Oleksijovytsj
- Share issue, 1000
- Founding capital, €1,000
- Board rule, 1, “vergadering” (deed in Dutch)
- Director appointment, MAKSYMENKO Pavlo Oleksijovytsj (director)
- Other provision, “niet gekend, website en e-mailadres” (deed in Dutch)
- Pre-incorporation commitments, “takeover, alle verbintenissen verplichtingen en activiteiten in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 25 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
3 establishment units
3 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23093F0457/00K002 | Flanders | 4,283 m² | 1 · 1,177 m² | 16.1 m · 4 |
| 23050F0415/00H000 | Flanders | 326 m² | 1 · 48 m² | 9.3 m · 3 |
| 11803C1688/00C000 | Flanders | 247 m² | 1 · 192 m² | 17.8 m · 4 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “De invoer en de uitvoer in het algemeen; De invoer, de uitvoer, de aankoop en de verkoop van draadloze telefoons, van gsm’s, van GSM…” (deed in Dutch)
14 activities (deed in Dutch)
- De invoer en de uitvoer in het algemeen;
- De invoer, de uitvoer, de aankoop en de verkoop van draadloze telefoons, van gsm’s, van GSM abonnementen, van herlaadkaarten, van smartphones, van tablets en van faxapparaten;
- De reparatie van draadloze telefoons, van gsm’s en van faxapparaten;
- Het uitbaten van internetcafé, van copyservices;
- Alle activiteiten in verband met “huishoudelijke aard” zoals schoonmaken van de woning met inbegrip van deramen, wassen en strijken, kleine occasionele naaiwerken, bereiden van maaltijden, boodschappendienst, begeleid vervoer van personen met beperkte mobiliteit, strijken met inbegrip van verstelwerk van het te strijken linnen;
- Het uitbaten van telefooncellen;
- De invoer, de uitvoer, de aankoop en de verkoop van diamant en andere edelstenen;
- De invoer, de uitvoer, de aankoop en de verkoop van horloges en uurwerken, artikelen van edele metalen en sieraden;
- De invoer, de uitvoer, de aankoop en de verkoop van schoenen en tassen en ledenartikels;
- De invoer, de uitvoer, de aankoop en de verkoop van juwelen;
- Het uitbaten van een kapsalon;
- Haar- en schoonheidsverzorging: het wassen, knippen, verven, kleuren, golven, ontkrullen en dergelijke van haar bij mannen, vrouwen en kinderen; het scheren en het knippen van baarden; huidverzorging en epileren, manicure en pedicure;
- Het uitbaten van een schoonheidsinstituut;
- Het uitbaten van een wassalon;
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest” (deed in Dutch)“1860 Meise,Helder Camaralaan 3” (deed in Dutch)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, natuurlijke personen of rechtspersonen” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- 30 June at 18:00
Oversight and winding up
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Netto actief onder aandeelhouders naar verhouding aantal aandelen, algemene vergadering” (deed in Dutch)