FIDIEL
ActiveSummary
FIDIEL has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.57M and a net result of €79k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 92% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 37.01 against 37.25 in 2024; short-term debt: 2.5% and cash: 1.1% of total assets), and 6.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
93.5%
Return on assets
2.9%
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 05-03-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
66 d early
2023
60 d early
2022
54 d early
2021
26 d early
2020
30 d early
2019
59 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.57M▲ 3.2%
2024 · €2.49M
2018: €1.86M
2019: €1.91M
2020: €2.03M
2021: €2.09M
2022: €2.30M
2023: €2.40M
2024: €2.49M
2018 → 2025
Total assets
€2.75M▲ 3.0%
2024 · €2.67M
2018: €1.94M
2019: €2.01M
2020: €2.24M
2021: €2.30M
2022: €2.50M
2023: €2.63M
2024: €2.67M
2018 → 2025
Net result
€79k▼ 5.4%
2024 · €83k
2018: €42k
2019: €49k
2020: €124k
2021: €57k
2022: €213k
2023: €101k
2024: €83k
2018 → 2025
Working capital
€2.45M▲ 0.3%
2024 · €2.45M
2018: €1.45M
2019: €1.54M
2020: €1.81M
2021: €2.02M
2022: €2.23M
2023: €2.34M
2024: €2.45M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.09M-€2.30M▲ 10.2%€2.40M▲ 4.4%€2.49M▲ 3.5%€2.57M▲ 3.2%
Operating result€45k-€233k▲ 415%€112k▼ 51.9%€14k▼ 87.3%€16k▲ 8.9%
Net result€57k-€213k▲ 274%€101k▼ 52.6%€83k▼ 17.3%€79k▼ 5.4%
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 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.75M
Fixed assets
€224k ▲ 46.5%
Current assets
€2.52M ▲ 0.3%
Equity and liabilities €2.75M
Equity
€2.57M ▲ 3.2%
Provisions
€111k =
Debt
€68k ▲ 1.0%
Debt's share of the balance-sheet total stays at 2.5%.
Key figures and ratios
EBITDA
€39k▲
2024 · €34k
Cash flow
€102k▼
2024 · €103k
Current ratio
37.01▼
2024 · 37.25
Quick ratio
37.00▼
2024 · 37.23
Debt to equity
0.03▼
2024 · 0.03
ROE
3.1%▼
2024 · 3.4%
ROA
2.9%▼
2024 · 3.1%
Interest coverage
9.56▲
2024 · 5.23
Debt ≤ 1 year
€68k▲
2024 · €67k
Income taxes
€13k▼
2024 · €30k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.67M€2.75M▲
Fixed assets21/28€153k€224k▲
Tangible fixed assets22/27€153k€224k▲
Land and buildings22€149k€130k▼
Furniture and vehicles24€4k€94k▲
Current assets29/58€2.51M€2.52M▲
Stocks and contracts in progress3€1k€1k▼
Stocks30/36€1k€1k▼
Amounts receivable within one year40/41€17k€43k▲
Trade receivables40-€123
Other amounts receivable41€17k€43k▲
Current investments50/53€2.40M€2.45M▲
Cash at bank and in hand54/58€101k€31k▼
Deferred charges and accrued income490/1-€789
Equity and liabilities
Total equity and liabilities10/49€2.67M€2.75M▲
Equity10/15€2.49M€2.57M▲
Contributions10/11€953k€953k=
Capital10€953k€953k=
Issued capital100€953k€953k=
Reserves13€1.54M€1.61M▲
Non-distributable reserves130/1€95k€95k=
Legal reserve130€95k€95k=
Tax-exempt reserves132€227k€227k=
Distributable reserves133€1.21M€1.29M▲
Provisions and deferred taxes16€111k€111k=
Provisions for liabilities and charges160/5€111k€111k=
Environmental obligations163€111k€111k=
Amounts payable17/49€67k€68k▲
Amounts payable within one year42/48€67k€68k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€8k€11k▲
Other amounts payable47/48€55k€54k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€23k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€38k€43k▲
Operating profit (loss)9901€14k€16k▲
Financial income75/76B€106k€80k▼
Recurring financial income75€106k€80k▼
Financial charges65/66B€7k€4k▼
Recurring financial charges65€7k€4k▼
Profit (loss) for the period before taxes9903€114k€92k▼
Income taxes67/77€30k€13k▼
Profit (loss) for the period9904€83k€79k▼
Profit (loss) for the period to be appropriated9905€83k€79k▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€79k▼
Transfer to equity691/2€83k€79k▼
To other reserves6921€83k€79k▼
The notes to these accounts (8 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
05-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €213k ▲274%
Operating result €233k, net result €213k, both a record.
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €2MEq €2.03M ▲6.5%
3 profitable years in a row build equity to €2.03M.
02-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Brasschaat · 1 establishment unit since 1990
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.
Bredabaan 12172930 BrasschaatGround area
2,530 m²
Building footprint
278 m²
Volume, LiDAR
1,137 m³
Parcel 11008B0179/00Z004, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FIDIEL
since 19902.050.532.884
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11008B0179/00Z004 | Flanders | 2,530 m² | 1 · 278 m² | 7.4 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrasschaat2.050.532.884
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 17,376 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded20-11-1990
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.