CASA NOSTRA FIDA
ActiveCASA NOSTRA FIDA has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €190k and a net result of €-58k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 17% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▲+15
Solvency33▲+1
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 2.68 in 2024; short-term debt: 46.1% and cash: 6.7% of total assets), and 91.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
8.2%
Return on assets
-2.5%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-58k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7431 sector peers (2025).
NBB · sector comparisonPosition among 7431 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
138 d early
2022
18 d early
2021
3 d early
2020
9 d early
2019
63 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€190k▼ 23.3%
2024 · €248k
2019: €210k
2020: €197k
2021: €203k
2022: €143k
2023: €296k
2024: €248k
2019 → 2025
Total assets
€2.33M▼ 33.9%
2024 · €3.53M
2019: €825k
2020: €1.05M
2021: €1.28M
2022: €1.96M
2023: €3.18M
2024: €3.53M
2019 → 2025
Net result
€-58k▲ 69.4%
2024 · €-189k
2019: €25k
2020: €-13k
2021: €6k
2022: €-60k
2023: €153k
2024: €-189k
2019 → 2025
Working capital
€517k▼ 71.6%
2024 · €1.82M
2019: €201k
2020: €153k
2021: €106k
2022: €-238k
2023: €-643k
2024: €1.82M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€203k-€143k▼ 29.5%€296k▲ 107%€248k▼ 16.1%€190k▼ 23.3%
Operating result€30k-€-46k€235k€-120k€65k
Net result€6k-€-60k€153k€-189k€-58k▲ 69.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €65k after a loss of €120k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.33M
Fixed assets
€740k▲ 19.1%
Current assets
€1.59M▼ 45.2%
Equity and liabilities €2.33M
Equity
€190k▼ 23.3%
Debt
€2.14M▼ 34.7%
The debt ratio falls from 93.0% to 91.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€152k▲
2024 · €-53k
Cash flow
€29k▲
2024 · €-122k
Solvency
8.2%▲
2024 · 7.0%
Current ratio
1.48▼
2024 · 2.68
Quick ratio
0.29▲
2024 · 0.18
Debt / equity
11.25▼
2024 · 13.22
ROE
-30.4%▲
2024 · -76.2%
ROA
-2.5%▲
2024 · -5.4%
Interest coverage
1.35▲
2024 · -0.43
Debt
€2.14M▼
2024 · €3.28M
Debt ≤ 1 year
€1.08M▼
2024 · €1.09M
Debt > 1 year
€1.07M▼
2024 · €2.19M
Income taxes
€11k
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€3.53M€2.33M▼
Fixed assets21/28€621k€740k▲
Tangible fixed assets22/27€621k€740k▲
Land and buildings22€558k€560k▲
Plant, machinery and equipment23€38k€34k▼
Furniture and vehicles24€25k€145k▲
Financial fixed assets28€55€55=
Current assets29/58€2.91M€1.59M▼
Amounts receivable after more than one year29€54k€54k=
Other amounts receivable291€54k€54k=
Stocks and contracts in progress3€2.71M€1.28M▼
Stocks30/36€2.71M€1.28M▼
Amounts receivable within one year40/41€77k€100k▲
Trade receivables40€33k€28k▼
Other amounts receivable41€44k€73k▲
Cash at bank and in hand54/58€63k€155k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€3.53M€2.33M▼
Equity10/15€248k€190k▼
Contributions10/11€62k€62k=
Outside capital11€62k€62k=
Other1109/19€62k€62k=
Revaluation surpluses12€141k€141k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Profit (loss) carried forward14€39k€-19k▼
Amounts payable17/49€3.28M€2.14M▼
Amounts payable after more than one year17€2.19M€1.07M▼
Financial debts170/4€2.19M€1.07M▼
Other amounts payable178/9€1k€1k=
Amounts payable within one year42/48€1.09M€1.08M▼
Current portion of amounts payable after more than one year42€82k€138k▲
Financial debts43€510k€510k=
Credit institutions430/8€510k€510k=
Trade debts44€44k€19k▼
Suppliers440/4€44k€19k▼
Taxes, remuneration and social security45€20k€128▼
Taxes450/3€20k€128▼
Other amounts payable47/48€429k€408k▼
Income statement
Code20242025
Non-recurring operating income76A€103k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€86k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€27k€8k▼
Other operating charges640/8€32k€17k▼
Gross operating margin9900€6k€177k▲
Operating profit (loss)9901€-120k€65k▲
Financial income75/76B€447€302▼
Recurring financial income75€447€302▼
Financial charges65/66B€123k€112k▼
Recurring financial charges65€123k€112k▼
Profit (loss) for the period before taxes9903€-243k€-47k▲
Transfer from deferred taxes780€54k-
Income taxes67/77-€11k
Profit (loss) for the period9904€-189k€-58k▲
Transfer from tax-exempt reserves789€162k-
Profit (loss) for the period to be appropriated9905€-27k€-58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€-19k▼
Profit (loss) brought forward from the previous period14P€66k€39k▼
The notes to these accounts (9 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-189k ▼224%
Net result drops to €-189k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 7current ratio 2.68
Current ratio from 0.41 to 2.68.
2023
15-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Back to profitnet €153k
Net result €153k after one loss-making year.
30-06
Financial
Equity above €200kEq €296k ▲107%
Equity rises from €143k to €296k.
13-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
30-06
Financial
Equity above €200kEq €203k ▲3%
Equity rises from €197k to €203k.
22-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
12-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-11
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, Oostkamp · 1 establishment unit since 1997
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.
Akkerstraat 168020 OostkampGround area
1.0 ha
Building footprint
488 m²
Volume, LiDAR
2,217 m³
Parcel 31025C0043/00L000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CASA NOSTRA FIDA CVA
since 19972.082.515.665
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31025C0043/00L000 | Flanders | 1.0 ha | 1 · 488 m² | 8.3 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.
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MA & H SOLUTIONS
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,191 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-05-1997
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.