FISCOPUNT
ActiveSummary
FISCOPUNT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109,509 and a net result of €60,259. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 52% of 12819 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+9
Solvency84▲+38
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 2.62 against 3.02 in 2024; short-term debt: 32.3% and cash: 44.9% of total assets), and 41.2% of the assets are financed with debt.
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Signals
Four 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
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
58.8%
Return on assets
32.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-02-2026, 164 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
164 d early
2024
44 d early
2023
132 d early
2022
51 d early
2021
53 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 89 days before 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 (2)
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. Usually files around 8 June (4 of the last 5 filed years within 78 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€109,509▲ 122%
2024 · €49,250
Total assets
€186,342▼ 20.6%
2024 · €234,706
Net result
€60,259▲ 46.3%
2024 · €41,197
Working capital
€97,683▼ 25.6%
2024 · €131,245
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€69,087-€52,237▼ 24.4%€45,888▼ 12.2%€57,027▲ 24.3%€86,086▲ 51.0%
Net result€55,567within the sector's middle half-€41,025within the sector's middle half▼ 26.2%€35,873within the sector's middle half▼ 12.6%€41,197within the sector's middle half▲ 14.8%€60,259within the sector's middle half▲ 46.3%
Equity€60,567within the sector's middle half-€101,592within the sector's middle half▲ 67.7%€137,465within the sector's middle half▲ 35.3%€49,250within the sector's middle half▼ 64.2%€109,509within the sector's middle half▲ 122%
Total assets€114,404within the sector's middle half-€141,373within the sector's middle half▲ 23.6%€166,668within the sector's middle half▲ 17.9%€234,706within the sector's middle half▲ 40.8%€186,342within the sector's middle half▼ 20.6%
Debt€53,838-€39,781▼ 26.1%€29,203▼ 26.6%€185,456▲ 535%€76,833▼ 58.6%
Working capital€43,507within the sector's middle half-€81,907within the sector's middle half▲ 88.3%€112,265within the sector's middle half▲ 37.1%€131,245within the sector's middle half▲ 16.9%€97,683within the sector's middle half▼ 25.6%
Solvency52.9%within the sector's middle half-71.9%within the sector's middle half▲ 18.9pp82.5%above the sector's middle half▲ 10.6pp21.0%below the sector's middle half▼ 61.5pp58.8%within the sector's middle half▲ 37.8pp
Current ratio1.82within the sector's middle half-3.06within the sector's middle half▲ 1.244.85above the sector's middle half▲ 1.793.02within the sector's middle half▼ 1.832.62within the sector's middle half▼ 0.40
Return on assets (ROA)48.6%above the sector's middle half-29.0%above the sector's middle half▼ 19.6pp21.5%within the sector's middle half▼ 7.5pp17.6%within the sector's middle half▼ 4.0pp32.3%within the sector's middle half▲ 14.8pp
Staff (FTE)1-1=1=1
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 51% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €186,342
Fixed assets
€28,428 ▼ 26.4%
Current assets
€157,915 ▼ 19.5%
Equity and liabilities €186,342
Equity
€109,509 ▲ 122%
Debt
€76,833 ▼ 58.6%
Debt's share of the balance-sheet total falls from 79.0% to 41.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€98,606▲
2024 · €68,874
Cash flow
€72,779▲
2024 · €53,044
Quick ratio
2.20▼
2024 · 2.81
Debt to equity
0.70▼
2024 · 3.77
ROE
55.0%▼
2024 · 83.6%
Interest coverage
19.72▲
2024 · 11.59
Debt ≤ 1 year
€60,232▼
2024 · €64,831
Debt > 1 year
€13,125▼
2024 · €120,625
Income taxes
€21,717▲
2024 · €10,743
Staff costs
€56,742▲
2024 · €50,302
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 26,970 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €44,800 | €46,504 | €48,886 | €50,302 | €56,742 | ▲ 12.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,640 | €7,456 | €8,775 | €11,847 | €12,520 | ▲ 5.7% |
| Other operating charges640/8 | €161 | €112 | €499 | €513 | €528 | ▲ 2.8% |
| Non-recurring operating charges66A | - | - | €501 | - | - | - |
| Gross operating margin9900 | €118,688 | €106,309 | €104,549 | €119,690 | €155,875 | ▲ 30.2% |
| Operating profit (loss)9901 | €69,087 | €52,237 | €45,888 | €57,027 | €86,086 | ▲ 51.0% |
| Financial income75/76B | €27 | €16 | €63 | €854 | €889 | ▲ 4.1% |
| Recurring financial income75 | €27 | €16 | €63 | €854 | €889 | ▲ 4.1% |
| Financial charges65/66B | €175 | €660 | €604 | €5,942 | €4,999 | ▼ 15.9% |
| Recurring financial charges65 | €175 | €660 | €604 | €5,942 | €4,999 | ▼ 15.9% |
| Profit (loss) for the period before taxes9903 | €68,939 | €51,594 | €45,347 | €51,939 | €81,976 | ▲ 57.8% |
| Income taxes67/77 | €13,372 | €10,569 | €9,473 | €10,743 | €21,717 | ▲ 102% |
| Profit (loss) for the period9904 | €55,567 | €41,025 | €35,873 | €41,197 | €60,259 | ▲ 46.3% |
| Profit (loss) for the period to be appropriated9905 | €55,567 | €41,025 | €35,873 | €41,197 | €60,259 | ▲ 46.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €114,404 | €141,373 | €166,668 | €234,706 | €186,342 | ▼ 20.6% |
| Fixed assets21/28 | €17,609 | €19,729 | €25,246 | €38,630 | €28,428 | ▼ 26.4% |
| Tangible fixed assets22/27 | €17,609 | €19,729 | €25,246 | €38,630 | €28,428 | ▼ 26.4% |
| Plant, machinery and equipment23 | €2,724 | €1,341 | €3,834 | €2,501 | €1,169 | ▼ 53.3% |
| Furniture and vehicles24 | €14,886 | €18,388 | €21,411 | €36,129 | €25,110 | ▼ 30.5% |
| Other tangible fixed assets26 | - | - | - | - | €2,149 | - |
| Current assets29/58 | €96,795 | €121,644 | €141,423 | €196,076 | €157,915 | ▼ 19.5% |
| Stocks and contracts in progress3 | €15,150 | €10,237 | €21,472 | €13,824 | €25,187 | ▲ 82.2% |
| Contracts in progress37 | €15,150 | €10,237 | €21,472 | €13,824 | €25,187 | ▲ 82.2% |
| Amounts receivable within one year40/41 | €59,168 | €38,649 | €43,227 | €70,058 | €47,152 | ▼ 32.7% |
| Trade receivables40 | €59,168 | €38,649 | €42,727 | €65,574 | €47,152 | ▼ 28.1% |
| Other amounts receivable41 | - | - | €500 | €4,484 | - | - |
| Cash at bank and in hand54/58 | €19,852 | €69,386 | €72,616 | €109,667 | €83,601 | ▼ 23.8% |
| Deferred charges and accrued income490/1 | €2,625 | €3,372 | €4,107 | €2,527 | €1,975 | ▼ 21.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €114,404 | €141,373 | €166,668 | €234,706 | €186,342 | ▼ 20.6% |
| Equity10/15 | €60,567 | €101,592 | €137,465 | €49,250 | €109,509 | ▲ 122% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Outside capital11 | €5,000 | - | - | - | - | - |
| Other1109/19 | €5,000 | - | - | - | - | - |
| Reserves13 | €55,567 | €96,592 | €132,465 | €44,250 | €104,509 | ▲ 136% |
| Distributable reserves133 | €55,567 | €96,592 | €132,465 | €44,250 | €104,509 | ▲ 136% |
| Amounts payable17/49 | €53,838 | €39,781 | €29,203 | €185,456 | €76,833 | ▼ 58.6% |
| Amounts payable after more than one year17 | - | - | - | €120,625 | €13,125 | ▼ 89.1% |
| Financial debts170/4 | - | - | - | €20,625 | €13,125 | ▼ 36.4% |
| Other amounts payable178/9 | - | - | - | €100,000 | - | - |
| Amounts payable within one year42/48 | €53,288 | €39,736 | €29,158 | €64,831 | €60,232 | ▼ 7.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | €7,500 | €7,500 | = |
| Trade debts44 | €18,570 | €3,507 | €11,768 | €27,463 | €20,387 | ▼ 25.8% |
| Suppliers440/4 | €18,570 | €3,507 | €11,768 | €27,463 | €20,387 | ▼ 25.8% |
| Advances received on contracts in progress46 | €57 | - | - | - | €241 | - |
| Taxes, remuneration and social security45 | €26,482 | €35,791 | €17,192 | €26,324 | €22,312 | ▼ 15.2% |
| Taxes450/3 | €20,506 | €29,005 | €10,292 | €19,322 | €15,060 | ▼ 22.1% |
| Remuneration and social security454/9 | €5,976 | €6,786 | €6,899 | €7,002 | €7,252 | ▲ 3.6% |
| Other amounts payable47/48 | €8,180 | €438 | €199 | €3,543 | €9,792 | ▲ 176% |
| Accrued charges and deferred income492/3 | €549 | €45 | €45 | - | €3,477 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €55,567 | €41,025 | €35,873 | €41,197 | €60,259 | ▲ 46.3% |
| + Depreciation and write-downs630 | €4,640 | €7,456 | €8,775 | €11,847 | €12,520 | ▲ 5.7% |
| Operating cash flow (approximation) | €60,206 | €48,481 | €44,648 | €53,044 | €72,779 | ▲ 37.2% |
| Investment in fixed assets (approximation) | - | -€9,576 | -€14,291 | -€25,232 | -€2,318 | ▲ 90.8% |
| Change in cash | - | €49,534 | €3,231 | €37,051 | -€26,066 | ▼ 170% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
State Gazette act
Permanent representative: Thomas Collard-BovyRegistered-office move4 facts ▸
State Gazette act
Permanent representative: Thomas Collard-Bovy
Registered-office move4 facts ▸
- General meeting, 13-06-2026
- Registered-office move, Stationsstraat 82A bus 11,8860 Lendelede
- Permanent representative, Thomas Collard-Bovy (permanent representative)
- Director in office, Fiscaal kantoor Collard-Bovy CommV (director)
17-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
13-02
State Gazette act
RestructuringPermanent representatives: Thomas Collard-Bovy and Pascal Lapère · Appointment: MOORE AUDIT (statutory auditor) · Merger proposal14 facts ▸
State Gazette act
Restructuring
Permanent representatives: Thomas Collard-Bovy and Pascal Lapère · Appointment: MOORE AUDIT (statutory auditor) · Merger proposal14 facts ▸
- Merger proposal, 30-01-2026
- Merger, 30-01-2026
- Board composition, FISCAAL KANTOOR COLLARD-BOVY (director)
- Permanent representative, Thomas Collard-Bovy
- Board composition, ROCAM (director)
- Permanent representative, Pascal Lapère
- Share issue, 100, fusie
- Capital, €5.200
- Accounting effect, 01-01-2026
- Auditor appointment, MOORE AUDIT
- Fiscal regime, art. 211 §1 WIB (fiscaal vrijstellingsregime), boekhoudkundige continuïteit (art. 3:56 KB van 29 april 2019)
- Cost allocation, Alle kosten, voortvloeiende uit de fusie, worden gedragen door BV PERACON.
- +2 further facts in this act
13-02
State Gazette act
RestructuringDemerger · Merger · Real estate7 facts ▸
State Gazette act
Restructuring
Demerger · Merger · Real estate7 facts ▸
- Demerger, 03-02-2026
- Merger, 30-01-2026
- Real estate, onroerend goed gelegen te Roeselare, Koning Albert I-laan 82
- Accounting effect, 02-01-2026
- Net-asset statement, 01-01-2026
- Net-asset statement, 01-01-2026
- Share issue, 200, aandelen van de op te richten BV COLLAP
2025
31-12
Financial
Highest result since 2021net €60,259 ▲46.3%
Operating result €86,086, net result €60,259, both a record.
31-12
Financial
Equity above €100,000Eq €109,509 ▲122%
5 profitable years in a row build equity to €109,509.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €35,873 ▼12.6%
Net result drops to €35,873, the lowest in the series; recovery starts the following year.
10-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100,000Eq €101,592 ▲67.7%
2 profitable years in a row build equity to €101,592.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
3 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 3 have been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
Statutory auditor 1
Moore Audit
CurrentAuditor · since 05-02-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Location & real-estate footprint
Registered office, Lendelede · 1 establishment unit since 2020
Ground area
1.0 ha
Building footprint
258 m²
Volume, LiDAR
1,416 m³
Parcel 34025C0432/00S004, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Fiscopunt
since 20202.310.604.930
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34025C0432/00S004 | Flanders | 1.0 ha | 1 · 258 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 1 in office
- Statutory auditor
| Name | Functions and periods |
|---|---|
| Moore Audit |
|
Articles of association
Purpose
De vennootschap heeft tot voorwerp de werkzaamheden van een gecertificeerd accountant en/of gecertificeerd belastingadviseur en/of accountant en/of fiscaal accountant, evenals het…
Full purpose
De vennootschap heeft tot voorwerp de werkzaamheden van een gecertificeerd accountant en/of gecertificeerd belastingadviseur en/of accountant en/of fiscaal accountant, evenals het uitoefenen van alle met deze hoedanigheid verenigbare activiteiten...
Structure & network
Connections & network
No current directors or connected companies found in the register.
Acquisitions and mergers
2 transactionsTook over:FISCAAL KANTOOR VANTHUYNE
Split off to:COLLAP
Capital and shareholders
Capital over the years
- 13-02-2026 Capital stated in the act · 5,200 EUR · 200 shares
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 446 EUR awarded · 446 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 38 EUR | 38 EUR |
| 2024 | 1 | 408 EUR | 408 EUR |
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. 6,497 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-12-2020
Fiscal year end31-12
Legal name NL
Peracon
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0759794268
Registered
28-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.