FIDEEL FAES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €62k and a net result of €-13k. Equity is shrinking by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 81% of 7980 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-02-2026, 1 day later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
1 d late
2024
on the day
2023
16 d late
2022
21 d late
2021
28 d late
2020
59 d late
2019
425 d late
← 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 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k▼ 17.1%
2024 · €75k
2019: €75k
2020: €79k
2021: €87k
2022: €72k
2023: €59k
2024: €75k
2019 → 2025
Net result
€-13k
2024 · €16k
2019: €21k
2020: €5k
2021: €8k
2022: €-15k
2023: €-13k
2024: €16k
2019 → 2025
Total assets
€75k▼ 12.0%
2024 · €85k
2019: €167k
2020: €168k
2021: €171k
2022: €120k
2023: €63k
2024: €85k
2019 → 2025
Solvency
83.2%▼ 5.2pp
2024 · 88.4%
2019: 44.6%
2020: 47.0%
2021: 50.8%
2022: 60.0%
2023: 93.1%
2024: 88.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€130k-
Equity€87k-€72k▼ 17.5%€59k▼ 17.8%€75k▲ 27.9%€62k▼ 17.1%
Operating result€12k-€-14k€-12k▲ 17.5%€21k€-14k
Net result€8k-€-15k€-13k▲ 15.8%€16k€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €21k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €75k
Fixed assets
€36k▼ 1.9%
Current assets
€39k▼ 19.5%
Equity and liabilities €75k
Equity
€62k▼ 17.1%
Debt
€13k▲ 27.4%
The debt ratio rises from 11.6% to 16.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
83.2%▼
2024 · 88.4%
ROE
-20.7%▼
2024 · 21.8%
ROA
-17.2%▼
2024 · 19.3%
Debt
€13k▲
2024 · €10k
Debt ≤ 1 year
€13k▲
2024 · €10k
Income taxes
€142▼
2024 · €4k
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€85k€75k▼
Fixed assets21/28€36k€36k▼
Tangible fixed assets22/27€36k€36k▼
Land and buildings22€6k-
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€156€11k▲
Other tangible fixed assets26€29k€23k▼
Current assets29/58€49k€39k▼
Amounts receivable within one year40/41€48k€32k▼
Trade receivables40€33k€11k▼
Other amounts receivable41€15k€20k▲
Cash at bank and in hand54/58€884€5k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€85k€75k▼
Equity10/15€75k€62k▼
Contributions10/11€59k€59k=
Outside capital11€59k€59k=
Other1109/19€59k€59k=
Reserves13€28k€28k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€14k€14k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€-12k€-24k▼
Amounts payable17/49€10k€13k▲
Amounts payable within one year42/48€10k€13k▲
Trade debts44€1k€10k▲
Suppliers440/4€1k€10k▲
Taxes, remuneration and social security45€9k€2k▼
Taxes450/3€9k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€19k
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-4k-
Other operating charges640/8€3k€3k▲
Gross operating margin9900€20k€9k▼
Operating profit (loss)9901€21k€-14k▼
Financial income75/76B€411€2k▲
Recurring financial income75€411€2k▲
Financial charges65/66B€961€878▼
Recurring financial charges65€961€878▼
Profit (loss) for the period before taxes9903€20k€-13k▼
Income taxes67/77€4k€142▼
Profit (loss) for the period9904€16k€-13k▼
Profit (loss) for the period to be appropriated9905€16k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-24k▼
Profit (loss) brought forward from the previous period14P€-28k€-12k▲
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
01-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 1 day late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
16-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 16 days late
2023
30-06
Financial
Liquidity times 7current ratio 7.38
Current ratio from 1.03 to 7.38; short-term debt falls from €48k to €4k.
21-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
30-06
Financial
Weakest financial yearnet €-15k ▼296%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 425 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
08-12
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
2 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, Beerse · 1 establishment unit since 2004
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.
Eikenstraat 212340 BeerseGround area
1,122 m²
Building footprint
181 m²
Volume, LiDAR
1,043 m³
Parcel 13004C0192/00P000, Flanders · tallest building 16.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FIDEEL FAES
since 20042.139.475.550
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004C0192/00P000 | Flanders | 1,122 m² | 1 · 181 m² | 16.2 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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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 11,070 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2004
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.