Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 56 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
FISCO-WIN from Herve, company number BE0689564090, closed financial year 2025 with a result of € 33,023 after tax. For that financial year FISCO-WIN recorded revenue of € 0 and equity of € 140,235. Compared with financial year 2024, the result moved from € 37,726 to € 33,023. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 24, 2026.
€ 140,235
▲ 17% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 33,023
▼ 12% vs 2024
Profit after tax over the fiscal year.
€ 17,746
▼ 61% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 12,195 paid out
37 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 51,127
▼ 4% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 201,513
▼ 17% vs 2024
€ 27,712 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 7,768
▲ € 7,537 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 27,146
▼ 24% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 60,568 | € 55,877 | € 101,326 | € 98,952 | ▼ 2% |
| Profit after taxes | € 38,217 | € 30,885 | € 37,726 | € 33,023 | ▼ 12% |
| Equity | € 62,561 | € 93,446 | € 119,407 | € 140,235 | ▲ 17% |
| Total debts | € 347,013 | € 322,295 | € 306,587 | € 272,650 | ▼ 11% |
| Cash | € 29,064 | € 27,341 | € 45,793 | € 17,746 | ▼ 61% |
| Retained profit | € 46,906 | € 77,790 | € 103,751 | € 124,580 | ▲ 20% |
| Dividend | € 0 | € 0 | € 11,765 | € 12,195 | ▲ 4% |
| Bank debt | € 296,715 | € 270,461 | € 243,730 | € 201,513 | ▼ 17% |
| Balance sheet total | € 409,575 | € 415,741 | € 425,994 | € 412,885 | ▼ 3% |
Key figures of FISCO-WIN, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to FISCO-WIN?
What happened at FISCO-WIN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 33,023 (▼ 12% vs 2024). filed late Source: NBB ↗
- New establishment in Herve. KBO
- New establishment in Herve. KBO
- Start of the company according to the CBE. KBO
In short
From € 38,217 profit in 2022 to € 33,023 profit in 2025.
Paid € 36,341 in corporate taxes since 2022.
Best year ever: 2022, with € 38,217 profit.
Paid out € 23,960 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind FISCO-WIN is Rachel CARMEAU. It owns 100% of FIDUCIAIRE FISCO-WIN itself.
Directors
According to the 2025 annual accounts
Rachel CARMEAU
Managing director
Establishments
Establishment units
Physical locations of this company
Voie des Tendeurs 27
4650 Herve
Rue de Herve 54 box 2
4651 Herve
Active since 28 November 2023
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0689.564.090
- VAT number
- BE 0689.564.090
- Registered office
- Voie des Tendeurs 27, 4650 Herve
- Names & denominations
- FISCO-WIN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 January 2018
- Peppol
- Active · Active since 10 Nov 2025
- Contact
- [email protected]
- Activities · NACE
Activiteiten van (gecertificeerde) (fiscaal) accountants
Boekhouders en boekhouders-fiscalisten