Fides
ActiveFides has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10.35M and a net result of €273k. Equity remains stable across the filed fiscal years (±2.5% per year). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▼-19
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €700k at 30 days acceptable
short-term debt: 0% and cash: 6.9% of total assets, and 0% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
100%
Return on assets
2.6%
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
34 d early
2023
8 d early
2022
41 d early
2021
5 d early
2020
3 d late
2019
4 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€273k▼ 84.6%
2024 · €1.77M
2018: €-4k
2019: €23k
2020: €-73k
2021: €-53k
2022: €32k
2023: €96k
2024: €1.77M
2018 → 2025
Working capital
€9.78M▲ 5.0%
2024 · €9.31M
2018: €7.59M
2019: €8.31M
2020: €8.37M
2021: €8.94M
2022: €8.08M
2023: €8.86M
2024: €9.31M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9.69M-€8.82M▼ 8.9%€9.45M▲ 7.1%€9.90M▲ 4.8%€10.35M▲ 4.6%
Operating result€-51k-€36k€56k▲ 57.3%€-62k€-65k▼ 4.9%
Net result€-53k-€32k€96k▲ 195%€1.77M▲ 1,747%€273k▼ 84.6%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €65k in 2025 against €62k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.35M
Fixed assets
€574k▼ 2.4%
Current assets
€9.78M▲ 5.0%
Equity and liabilities €10.35M
Equity
€10.35M▲ 4.6%
Debt
€2k▼ 30.2%
The debt ratio stays at 0.0%.
Key figures and ratios
EBITDA
€-49k▼
2024 · €-47k
Cash flow
€289k▼
2024 · €1.79M
Solvency
100.0%=
2024 · 100.0%
Debt / equity
0.00▼
2024 · 0.00
ROE
2.6%▼
2024 · 17.9%
ROA
2.6%▼
2024 · 17.9%
Interest coverage
-37.57▲
2024 · -76.77
Debt
€2k▼
2024 · €3k
Debt ≤ 1 year
€2k▼
2024 · €3k
Income taxes
€28k▼
2024 · €28k
A ratio outside any meaningful range has been withheld (balance sheet total €10.35M, equity €10.35M).
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€9.90M€10.35M▲
Fixed assets21/28€588k€574k▼
Tangible fixed assets22/27€588k€574k▼
Land and buildings22€568k€555k▼
Plant, machinery and equipment23€663€452▼
Other tangible fixed assets26€20k€19k▼
Current assets29/58€9.32M€9.78M▲
Amounts receivable within one year40/41€25k€25k=
Other amounts receivable41€25k€25k=
Current investments50/53€8.59M€9.02M▲
Cash at bank and in hand54/58€680k€713k▲
Deferred charges and accrued income490/1€25k€22k▼
Equity and liabilities
Total equity and liabilities10/49€9.90M€10.35M▲
Equity10/15€9.90M€10.35M▲
Contributions10/11€6.51M€6.51M=
Capital10€6.51M€6.51M=
Revaluation surpluses12€397k€576k▲
Profit (loss) carried forward14€2.99M€3.27M▲
Amounts payable17/49€3k€2k▼
Amounts payable within one year42/48€3k€2k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€64k€65k▲
Gross operating margin9900€17k€16k▼
Operating profit (loss)9901€-62k€-65k▼
Financial income75/76B€1.86M€367k▼
Recurring financial income75€1.86M€367k▼
Financial charges65/66B€615€1k▲
Recurring financial charges65€615€1k▲
Profit (loss) for the period before taxes9903€1.80M€301k▼
Income taxes67/77€28k€28k▼
Profit (loss) for the period9904€1.77M€273k▼
Profit (loss) for the period to be appropriated9905€1.77M€273k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.99M€3.27M▲
Profit (loss) brought forward from the previous period14P€1.22M€2.99M▲
The notes to these accounts (4 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
29-07
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment9 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment9 facts ▸
- General meeting, 2026-06-24
- Director appointment, Accaputo Carina (administrateur)
- Director appointment, Colart Marcel (administrateur)
- Director appointment, Glorieux Charlotte (administrateur)
- Director appointment, Glorieux Rudy (administrateur)
- Director appointment, Scauflaire Roger (administrateur)
- Director appointment, Glorieux Rudy (Président)
- Director appointment, Accaputo Carina (Trésorière)
- Director appointment, Scauflaire Roger (Secrétaire)
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €10MEq €10.35M ▲4.6%
4 profitable years in a row build equity to €10.35M.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €1.77M ▲1747%
Net result €1.77M, the highest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €32k
Net result €32k after 2 loss-making years.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 3 days late
2020
31-12
Financial
Weakest financial yearnet €-73k ▼413%
Net result drops to €-73k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 7329.09
Current ratio from 3542.24 to 7329.09; short-term debt falls from €2k to €1k.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 4 days late
2019
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26098051). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Accaputo Carina
CurrentTrésorière · since 24-06-2026
Colart Marcel
CurrentDirector · since 24-06-2026
Glorieux Charlotte
CurrentDirector · since 24-06-2026
Glorieux Rudy
CurrentChair · since 24-06-2026
Scauflaire Roger
CurrentDirector · since 24-06-2026
24-06-2026
Accaputo Carina: Appointed as Trésorière
24-06-2026
Accaputo Carina: Appointed as Director
24-06-2026
Colart Marcel: Appointed as Director
24-06-2026
Glorieux Charlotte: Appointed as Director
24-06-2026
Glorieux Rudy: Appointed as Chair
24-06-2026
Glorieux Rudy: Appointed as Director
24-06-2026
Scauflaire Roger: Appointed as Director
24-06-2026
Scauflaire Roger: Appointed as Secrétaire
Location & real-estate footprint
Registered office, Mons
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.
Rue Bruyère de Jurbise(MJ) 447020 MonsGround area
3,567 m²
Building footprint
186 m²
Volume, LiDAR
1,062 m³
Parcel 53048D0180/00D003, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53048D0180/00D003 | Wallonia | 3,567 m² | 1 · 186 m² | 7.7 m · 2 fl. |
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.
Structure & network
Connections & network
2 connected companiesLinked via shared directors
viaAccaputo Carina · Director
→
viaGlorieux Rudy · Director
→
Recognitions · licences · registrations
Legal Entity Identifier
9676001A6IEAKBOLO005
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded14-10-1993
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.