NAFISCO
ActiveNAFISCO has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €326k and a net result of €76k. Equity is growing by ~30.4% per year across the filed fiscal years. Its solvency ranks better than 91% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▼-4
Solvency100=
Growth78=
Track record100
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 11.65 against 9.58 in 2024; short-term debt: 8.4% and cash: 89.2% of total assets), and 8.5% 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
91.5%
Return on assets
21.4%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-04-2026, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
27 d early
2024
44 d early
2023
26 d early
2022
48 d early
2021
54 d early
2020
15 d early
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€326k▲ 30.6%
2024 · €250k
2018: €56k
2019: €66k
2020: €72k
2021: €86k
2022: €112k
2023: €172k
2024: €250k
2018 → 2025
Total assets
€356k▲ 28.4%
2024 · €278k
2018: €83k
2019: €86k
2020: €100k
2021: €125k
2022: €171k
2023: €250k
2024: €278k
2018 → 2025
Net result
€76k▼ 1.2%
2024 · €77k
2018: €7k
2019: €10k
2020: €6k
2021: €14k
2022: €26k
2023: €61k
2024: €77k
2018 → 2025
Working capital
€319k▲ 35.2%
2024 · €236k
2018: €51k
2019: €65k
2020: €72k
2021: €48k
2022: €82k
2023: €151k
2024: €236k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€112k▲ 30.4%€172k▲ 54.2%€250k▲ 44.8%€326k▲ 30.6%
Operating result€20k-€57k▲ 190%€72k▲ 27.3%€93k▲ 29.4%€111k▲ 19.1%
Net result€14k-€26k▲ 84.4%€61k▲ 132%€77k▲ 27.5%€76k▼ 1.2%
Turnover and EBIT margin not published: the 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 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €356k
Fixed assets
€7k▼ 49.0%
Current assets
€349k▲ 32.5%
Equity and liabilities €356k
Equity
€326k▲ 30.6%
Debt
€30k▲ 8.9%
The debt ratio falls from 10.0% to 8.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€119k▲
2024 · €101k
Cash flow
€85k▼
2024 · €85k
Solvency
91.5%▲
2024 · 90.0%
Current ratio
11.65▲
2024 · 9.58
Quick ratio
11.65▲
2024 · 9.58
Debt / equity
0.09▼
2024 · 0.11
ROE
23.4%▼
2024 · 30.9%
ROA
21.4%▼
2024 · 27.8%
Interest coverage
817.79▲
2024 · 432.06
Debt
€30k▲
2024 · €28k
Debt ≤ 1 year
€30k▲
2024 · €28k
Income taxes
€38k▲
2024 · €20k
Staff costs
€32k▲
2024 · €31k
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
Assets
Total assets20/58€278k€356k▲
Fixed assets21/28€14k€7k▼
Tangible fixed assets22/27€14k€7k▼
Furniture and vehicles24€14k€7k▼
Financial fixed assets28€218€218=
Current assets29/58€264k€349k▲
Amounts receivable within one year40/41€11k€28k▲
Trade receivables40€11k€28k▲
Cash at bank and in hand54/58€249k€318k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€278k€356k▲
Equity10/15€250k€326k▲
Contributions10/11€60k€60k=
Reserves13€60k€135k▲
Non-distributable reserves130/1€400€400=
Reserves not available under the articles1311€400€400=
Distributable reserves133€60k€135k▲
Profit (loss) carried forward14€129k€131k▲
Amounts payable17/49€28k€30k▲
Amounts payable within one year42/48€28k€30k▲
Trade debts44€624€752▲
Suppliers440/4€624€752▲
Taxes, remuneration and social security45€14k€19k▲
Taxes450/3€8k€15k▲
Remuneration and social security454/9€6k€4k▼
Other amounts payable47/48€13k€10k▼
Accrued charges and deferred income492/3€302€311▲
Income statement
Code20242025
Remuneration, social security and pensions62€31k€32k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€134k€153k▲
Operating profit (loss)9901€93k€111k▲
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€234€146▼
Recurring financial charges65€234€146▼
Profit (loss) for the period before taxes9903€98k€114k▲
Income taxes67/77€20k€38k▲
Profit (loss) for the period9904€77k€76k▼
Profit (loss) for the period to be appropriated9905€77k€76k▼
Appropriation of the result
Profit (loss) to be appropriated9906€129k€206k▲
Profit (loss) brought forward from the previous period14P€52k€129k▲
Transfer to equity691/2-€75k
To other reserves6921-€75k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €77k ▲27.5%
Net result €77k, the highest in the series.
30-09
Financial
Liquidity triplescurrent ratio 9.58
Current ratio from 2.98 to 9.58; short-term debt falls from €76k to €28k.
30-09
Financial
Equity above €200kEq €250k ▲44.8%
7 profitable years in a row build equity to €250k.
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €150kEq €172k ▲54.2%
6 profitable years in a row build equity to €172k.
13-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €100kEq €112k ▲30.4%
5 profitable years in a row build equity to €112k.
07-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €6k ▼45.8%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
16-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ottignies-Louvain-la-Neuve · 1 establishment unit since 1998
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Avenue des Roses 9A1342 Ottignies-Louvain-la-NeuveGround area
852 m²
Building footprint
133 m²
Parcel 25056A0402/00B002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Avenue des Roses 9A, 1342 Ottignies-Louvain-la-Neuve
since 19982.321.313.433
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25056A0402/00B002 | Wallonia | 852 m² | 1 · 133 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
6488823CECSG775YV447
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BURGEST
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TREBOR
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 5,996 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded06-10-1998
Fiscal year end30-09
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.