INFISCO
ActiveINFISCO has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €365k and a net result of €33k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 12464 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▲ +16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▲+45
Solvency99▲+1
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.32 against 2.05 in 2024), and 36.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 69
lower
← 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
63.7%
Return on assets
5.7%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d late
2023
396 d late
2022
31 d late
2021
61 d late
2020
31 d late
2019
92 d late
← before the deadline
after the deadline →
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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€365k▲ 16.5%
2024 · €313k
2021: €291k
2022: €374k
2023: €326k
2024: €313k
2021 → 2025
Total assets
€572k▲ 8.1%
2024 · €529k
2021: €409k
2022: €466k
2023: €507k
2024: €529k
2021 → 2025
Net result
€33k
2024 · €-12k
2021: €25k
2022: €83k
2023: €11k
2024: €-12k
2021 → 2025
Working capital
€274k▲ 20.7%
2024 · €227k
2021: €282k
2022: €365k
2023: €318k
2024: €227k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€291k-€374k▲ 28.7%€326k▼ 13.0%€313k▼ 3.8%€365k▲ 16.5%
Operating result€37k-€94k▲ 156%€40k▼ 57.5%€19k▼ 52.7%€50k▲ 168%
Net result€25k-€83k▲ 229%€11k▼ 86.6%€-12k€33k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 168% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €572k
Fixed assets
€91k▲ 5.5%
Current assets
€482k▲ 8.7%
Equity and liabilities €572k
Equity
€365k▲ 16.5%
Debt
€208k▼ 4.0%
The debt ratio falls from 40.8% to 36.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
63.7%▲
2024 · 59.2%
Current ratio
2.32▲
2024 · 2.05
Quick ratio
2.32▲
2024 · 2.05
Debt / equity
0.57▼
2024 · 0.69
ROE
9.0%▲
2024 · -4.0%
ROA
5.7%▲
2024 · -2.3%
Debt
€208k▼
2024 · €216k
Debt ≤ 1 year
€208k▼
2024 · €216k
Income taxes
€18k▼
2024 · €36k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€529k€572k▲
Fixed assets
21/28€86k€91k▲
Tangible fixed assets
22/27€79k€83k▲
Financial fixed assets
28€7k€7k=
Current assets
29/58€443k€482k▲
Amounts receivable within one year
40/41€316k€329k▲
Cash & bank
54/58€70k€95k▲
Total equity & liabilities
10/49€529k€572k▲
Equity
10/15€313k€365k▲
Contributions / capital
10/11€132k€132k=
Reserves
13€191k€213k▲
Accumulated profits (losses)
14€-10k€20k▲
Amounts payable
17/49€216k€208k▼
Amounts payable within one year
42/48€216k€208k▼
Trade debts payable within one year
44€188k€184k▼
Income statement
Code20242025
Gross operating margin
9900€38k€52k▲
Operating result
9901€19k€50k▲
Financial income
75€11€773▲
Financial charges
65€491€349▼
Result before taxes
9903€24k€51k▲
Income taxes
67/77€36k€18k▼
Net result for the period
9904€-12k€33k▲
Result to be appropriated
9905€-12k€33k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 396 days late
2024
31-12
Financial
Weakest financial yearnet €-12k ▼211%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2021net €83k ▲229%
Operating result €94k, net result €83k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 270 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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J.M. Audit
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Affligem · Eq €367k
Of 2,257 companies in sector 69209 we hold annual accounts for 1,070. 766 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-12-1983
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 10-08-2026. Scores and ratios are computed by Checked and are not a credit decision.