FIDDEM
ActiveSummary
FIDDEM has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €139,020 and a net result of €19,649. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 55% of 12788 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▲+1
Solvency87=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 3.56 against 5.1 in 2024; short-term debt: 25.3% and cash: 3% of total assets), and 38.5% of the assets are financed with debt.
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Signals
Six 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 →
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
61.5%
Return on assets
8.7%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €139,020
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 09-03-2026, 144 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
144 d early
2024
144 d early
2023
145 d early
2022
144 d early
2021
144 d early
2020
145 d early
2019
144 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 144 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€139,020▲ 5.4%
2024 · €131,871
Total assets
€226,000▲ 6.6%
2024 · €212,047
Net result
€19,649▲ 13.9%
2024 · €17,257
Working capital
€146,810▼ 1.1%
2024 · €148,496
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€27,331▲ 15.4%€15,612▼ 42.9%€26,004▲ 66.6%€27,455▲ 5.6%€30,315▲ 10.4%
Net result€21,708▲ 23.3%€12,983▼ 40.2%€16,383▲ 26.2%€17,257▲ 5.3%€19,649▲ 13.9%
Equity€105,249▲ 1.6%€105,232=€114,615▲ 8.9%€131,871▲ 15.1%€139,020▲ 5.4%
Total assets€132,245▼ 21.2%€159,724▲ 20.8%€176,616▲ 10.6%€212,047▲ 20.1%€226,000▲ 6.6%
Debt€26,996▼ 58.1%€54,492▲ 102%€62,001▲ 13.8%€80,175▲ 29.3%€86,980▲ 8.5%
Working capital€94,036▼ 0.7%€92,677▼ 1.4%€114,732▲ 23.8%€148,496▲ 29.4%€146,810▼ 1.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €226,000
Fixed assets
€21,943 ▼ 19.8%
Current assets
€204,057 ▲ 10.5%
Equity and liabilities €226,000
Equity
€139,020 ▲ 5.4%
Debt
€86,980 ▲ 8.5%
Debt's share of the balance-sheet total rises from 37.8% to 38.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40,867▲
2024 · €37,691
Cash flow
€30,201▲
2024 · €27,493
Current ratio
3.56▼
2024 · 5.10
Debt to equity
0.63▲
2024 · 0.61
ROE
14.1%▲
2024 · 13.1%
ROA
8.7%▲
2024 · 8.1%
Interest coverage
27.43▲
2024 · 27.30
Debt ≤ 1 year
€57,247▲
2024 · €36,186
Debt > 1 year
€29,733▼
2024 · €43,990
Income taxes
€9,289▲
2024 · €9,123
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,058 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% | 1.6% |
| 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 74% 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 31,324 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,392 | €2,918 | €9,940 | €10,236 | €10,552 | ▲ 3.1% |
| Other operating charges640/8 | - | €658 | €1,093 | €817 | €1,171 | ▲ 43.4% |
| Non-recurring operating charges66A | - | €12,408 | - | - | - | - |
| Gross operating margin9900 | €34,235 | €31,596 | €37,036 | €38,507 | €42,038 | ▲ 9.2% |
| Operating profit (loss)9901 | €27,331 | €15,612 | €26,004 | €27,455 | €30,315 | ▲ 10.4% |
| Financial income75/76B | - | €1,576 | €1,715 | €306 | €112 | ▼ 63.3% |
| Recurring financial income75 | €1,797 | €1,576 | €1,715 | €306 | €112 | ▼ 63.3% |
| Financial charges65/66B | - | €697 | €1,464 | €1,380 | €1,490 | ▲ 7.9% |
| Recurring financial charges65 | €598 | €697 | €1,464 | €1,380 | €1,490 | ▲ 7.9% |
| Profit (loss) for the period before taxes9903 | €28,530 | €16,490 | €26,255 | €26,380 | €28,938 | ▲ 9.7% |
| Income taxes67/77 | €6,823 | €3,507 | €9,872 | €9,123 | €9,289 | ▲ 1.8% |
| Profit (loss) for the period9904 | €21,708 | €12,983 | €16,383 | €17,257 | €19,649 | ▲ 13.9% |
| Profit (loss) for the period to be appropriated9905 | €21,708 | €12,983 | €16,383 | €17,257 | €19,649 | ▲ 13.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €132,245 | €159,724 | €176,616 | €212,047 | €226,000 | ▲ 6.6% |
| Fixed assets21/28 | €15,629 | €46,421 | €37,601 | €27,365 | €21,943 | ▼ 19.8% |
| Intangible fixed assets21 | - | - | - | - | €2,324 | - |
| Tangible fixed assets22/27 | €15,604 | €46,396 | €37,576 | €27,340 | €19,594 | ▼ 28.3% |
| Furniture and vehicles24 | - | €46,396 | €37,576 | €27,340 | €19,594 | ▼ 28.3% |
| Financial fixed assets28 | €25 | €25 | €25 | €25 | €25 | = |
| Current assets29/58 | €116,616 | €113,304 | €139,015 | €184,682 | €204,057 | ▲ 10.5% |
| Amounts receivable within one year40/41 | €93,641 | €89,520 | €129,826 | €175,821 | €189,944 | ▲ 8.0% |
| Trade receivables40 | - | €610 | €655 | €613 | - | - |
| Other amounts receivable41 | - | €88,910 | €129,171 | €175,208 | €189,944 | ▲ 8.4% |
| Cash at bank and in hand54/58 | €15,504 | €16,431 | €1,346 | €366 | €6,861 | ▲ 1,774% |
| Deferred charges and accrued income490/1 | - | €7,352 | €7,843 | €8,494 | €7,252 | ▼ 14.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €132,245 | €159,724 | €176,616 | €212,047 | €226,000 | ▲ 6.6% |
| Equity10/15 | €105,249 | €105,232 | €114,615 | €131,871 | €139,020 | ▲ 5.4% |
| Contributions10/11 | - | - | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | - | - | €18,600 | €18,600 | €18,600 | = |
| Other1109/19 | - | - | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €20,360 | €37,960 | €28,360 | €45,360 | €52,360 | ▲ 15.4% |
| Distributable reserves133 | - | €37,960 | €28,360 | €45,360 | €52,360 | ▲ 15.4% |
| Profit (loss) carried forward14 | €66,289 | €67,272 | €67,655 | €67,911 | €68,060 | ▲ 0.2% |
| Amounts payable17/49 | €26,996 | €54,492 | €62,001 | €80,175 | €86,980 | ▲ 8.5% |
| Amounts payable after more than one year17 | €4,404 | €33,866 | €37,680 | €43,990 | €29,733 | ▼ 32.4% |
| Financial debts170/4 | - | €33,866 | €37,680 | €43,990 | €29,733 | ▼ 32.4% |
| Amounts payable within one year42/48 | €22,580 | €20,627 | €24,283 | €36,186 | €57,247 | ▲ 58.2% |
| Current portion of amounts payable after more than one year42 | - | €8,630 | €12,130 | €17,124 | €21,828 | ▲ 27.5% |
| Trade debts44 | €441 | €1,114 | €617 | €5,449 | €3,562 | ▼ 34.6% |
| Suppliers440/4 | - | €1,114 | €617 | €5,449 | €3,562 | ▼ 34.6% |
| Advances received on contracts in progress46 | - | - | €663 | - | €2,703 | - |
| Taxes, remuneration and social security45 | - | €5,118 | €5,120 | €13,612 | €18,401 | ▲ 35.2% |
| Taxes450/3 | - | €5,118 | €5,120 | €12,267 | €17,805 | ▲ 45.1% |
| Remuneration and social security454/9 | - | - | - | €1,345 | €596 | ▼ 55.7% |
| Other amounts payable47/48 | - | €5,764 | €5,753 | - | €10,753 | - |
| Accrued charges and deferred income492/3 | - | - | €38 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21,708 | €12,983 | €16,383 | €17,257 | €19,649 | ▲ 13.9% |
| + Depreciation and write-downs630 | €6,392 | €2,918 | €9,940 | €10,236 | €10,552 | ▲ 3.1% |
| Operating cash flow (approximation) | €28,100 | €15,901 | €26,322 | €27,493 | €30,201 | ▲ 9.9% |
| Investment in fixed assets (approximation) | - | -€33,710 | -€1,120 | €0 | -€5,130 | - |
| Change in cash | - | €927 | -€15,086 | -€980 | €6,495 | ▲ 763% |
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
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €12,983 ▼40.2%
Net result drops to €12,983, the lowest in the series; recovery starts the following year.
09-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €22,770 ▲49.6%
Net result €22,770, the highest in the series.
08-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Charleroi · 1 establishment unit since 2006
Ground area
5,445 m²
Building footprint
576 m²
Volume, LiDAR
7,817 m³
Parcel 52352C0010/00R000, Wallonia · tallest building 18.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
FIDDEM SRL
since 20062.150.859.291
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52352C0010/00R000 | Wallonia | 5,445 m² | 1 · 576 m² | 18.5 m · 5 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.
Similar companies · same sector, comparable size
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A C C O F I S K A
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CENTAURION
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DEFISCO
BE 0428.419.108
Liedekerke · Eq €139,215
Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 6,530 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
Founded06-01-2000
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0468599476
Registered
08-08-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.