Equity
€1.8m ▼ 1.3%
FJM COMPTAFISC paid out €100,000 in dividends. That is 130% of the 2025 profit.
FJM COMPTAFISC
Lifetime
11 annual accounts with figures on one time axispeak €626,260 (2022)
€108,286▼ 34.5%
peak €252,485 (2023)
€77,173▲ 21.2%
peak €1.8m (2024)
€1.8m▼ 1.3%
€142,870▲ 203%
peak 5.6 FTE (2019)
-not published
Board1 name since 2021
1 directorJoël FRANCOTTE
Documentsfilings and deeds
30-09-202661 days late
2025abbreviated format
Gross margin from €165,213 to €108,286Dividend €100,000Debts from €47,101 to €142,870
Key points
from the 2025 annual accountsTurnover
≈ €200,000 estimated
The accounts state no turnover.
Debts
€142,870 ▲ 203%
Debts rose by €95,769 in 2025. A dividend stands under other debts on the balance sheet date until it is paid.
Liquidity
13.69 was 56.20 in 2024
Short-term debts rose from €31,972 to €138,317.
Filings
11 annual accounts 61 days
Latest accounts filed late: after the legal deadline.
Position in the sector
92.5%
Higher solvency than 93% of companies in legal and accounting. Sector median 44.3% · 4,137 companies.
Checked score
94
Excellent
Financially stronger than 54% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,104 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: 0.1%▲ +0.1 percentage points vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.2%▲ +0.1 percentage points vs 09-2025highest value
11-2025: < 0.1%▼ -0.2 percentage points vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: < 0.1%▼ -0.1 percentage points vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 61 days late; 3 of the last 3 accounts late
lowers risk
Sector: Legal and accounting activities (NACE 69)
Liquidity: current ratio 13.69, cash €647,190
Figures for financial year 2025 (filed on 01-10-2026)
Calculation
The band follows from the bankruptcy probability. 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 69, micro). It does better than 87% of them on solvency, 85% on liquidity, 10% on profitability and 31% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,049 companies had the same profile as FJM COMPTAFISC has now. Each dot stands for 16 companies, two years later.
95.9%
were still trading
3.6%
stopped another way
0.4%
went bankrupt
That fits the bankruptcy probability of FJM COMPTAFISC itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,049 companies, not a prediction for FJM COMPTAFISC. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €160,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 13.69 (56.2 in 2024), above the usual 1.5. Short-term debt is 7.2% and cash 33.8% of total assets. 7.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
61 days late
2024
61 days late
2023
83 days late
2022
92 days late
2021
106 days late
2020
90 days late
2019
122 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 88 days after the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 23 October (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0561923572
Reappointment: Joël FRANCOTTE (director)
“Les services juridiques en rapport avec les activités du professionnel; Fournir des conseils,des consultations…” (deed in French) · Founding capital of €100,000, 1,000 shares · General meeting of 29-11-2023 · Gazette deed
Purpose change · Amendment of the articles
“La prestation de services juridiques en rapport avec les activités d'expert-comptable ou de conseil fiscal…” (deed in French) · General meeting of 28-09-2018 · Gazette deed
Incorporation
published on 16-09-2014 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FJM COMPTAFISC La Louvière | €1.9m | €108,286 | 92.5% | - |
| DBT Holding Herk-de-Stad | €1.7m | €112,023 | 20.9% | - |
| GEERT VAN DYCK Lille | €1.7m | €103,532 | 50.8% | - |
| MALDOFISK Maldegem | €1.9m | €115,062 | 69.3% | - |
| Keno Accounting Geel | €1.7m | €113,511 | 33.6% | 0 |
| Fleer-Acc Rijkevorsel | €1.7m | €126,263 | 36.2% | - |
| FINACCES PARTNERS Charleroi | €1.5m | €131,318 | 21.0% | - |
These companies have the same main activity as FJM COMPTAFISC: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €1.5m and €1.9m, founded between 2013 and 2016.
Official details
Source: KBO- Status
- Active since 12-09-2014Normal situation
- Activity
- Certified accountants and tax accountantsNACE 69201
- Establishment unit
- 2.235.963.9257100 La Louvière, since 12-09-2014
- Financial year end
- 31 December
- Peppol
- Reachable since 29-12-2025
Insights on FJM COMPTAFISC
FJM COMPTAFISC files the abbreviated format. That format states no turnover. The gross margin fell from €519,372 in 2015 to €108,286 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FJM COMPTAFISC
- What is the company number of FJM COMPTAFISC?
- The company number of FJM COMPTAFISC is 0561.923.572. The VAT number is the same number with BE in front: BE 0561.923.572.
- Where is FJM COMPTAFISC based?
- The registered office is at Rue de Fanuelz (S-V) 131, 7100 La Louvière.Company details
- What does FJM COMPTAFISC do?
- According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
- What is the legal form of FJM COMPTAFISC?
- FJM COMPTAFISC is a private limited company (BV).
- When was FJM COMPTAFISC founded?
- FJM COMPTAFISC was founded on 12-09-2014.
- Is FJM COMPTAFISC still active?
- Yes, FJM COMPTAFISC is an active enterprise in the KBO register.
- How many employees does FJM COMPTAFISC have?
- FJM COMPTAFISC had an average of 0.7 full-time equivalents in financial year 2024, according to the filed annual accounts.Financials
- What is the turnover of FJM COMPTAFISC?
- The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €108,286 and 56 comparable companies (NACE 69201). It probably lies between €160,000 and €250,000.
- Is FJM COMPTAFISC profitable?
- In financial year 2025, FJM COMPTAFISC made a profit of €77,173.
- Where can I find the annual accounts of FJM COMPTAFISC?
- FJM COMPTAFISC filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FJM COMPTAFISC due?
- FJM COMPTAFISC must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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