FIDEL
ActiveFIDEL has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €-4k. Equity is shrinking by ~19% per year across the filed fiscal years. Its solvency ranks better than 40% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency54▼-12
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven 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
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
28.8%
Return on assets
-22.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
1819202122232425
2018 to 2025 · latest year €-4k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
31 d late
2022
32 d late
2021
1 d early
2020
1 d early
2019
on the day
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▼ 43.4%
2024 · €9k
2018: €24k
2019: €251
2020: €10k
2021: €20k
2022: €18k
2023: €13k
2024: €9k
2018 → 2025
Total assets
€18k▼ 19.3%
2024 · €23k
2018: €169k
2019: €151k
2020: €154k
2021: €29k
2022: €32k
2023: €27k
2024: €23k
2018 → 2025
Net result
€-4k▼ 9.2%
2024 · €-4k
2018: €-25k
2019: €-24k
2020: €10k
2021: €10k
2022: €-2k
2023: €-4k
2024: €-4k
2018 → 2025
Working capital
€5k▼ 43.4%
2024 · €9k
2018: €13k
2019: €-5k
2020: €1k
2021: €20k
2022: €18k
2023: €13k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€18k▼ 11.6%€13k▼ 25.3%€9k▼ 28.5%€5k▼ 43.4%
Operating result€10k-€-2k€-4k▼ 108%€-4k▲ 17.4%€-4k▼ 10.2%
Net result€10k-€-2k€-4k▼ 93.9%€-4k▲ 16.1%€-4k▼ 9.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €4k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €18k
Equity
€5k▼ 43.4%
Debt
€13k▼ 2.4%
The debt ratio rises from 58.9% to 71.2%. Equity and debt are lower.
Key figures and ratios
Solvency
28.8%▼
2024 · 41.1%
Current ratio
1.41▼
2024 · 1.70
Quick ratio
1.41▼
2024 · 1.70
Debt / equity
2.47▲
2024 · 1.43
ROE
-76.8%▼
2024 · -39.8%
ROA
-22.1%▼
2024 · -16.4%
Debt
€13k▼
2024 · €13k
Debt ≤ 1 year
€13k▼
2024 · €13k
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€23k€18k▼
Current assets29/58€23k€18k▼
Amounts receivable within one year40/41€4k€4k▼
Trade receivables40€4k€4k▼
Other amounts receivable41€2-
Cash at bank and in hand54/58€18k€14k▼
Deferred charges and accrued income490/1€124€260▲
Equity and liabilities
Total equity and liabilities10/49€23k€18k▼
Equity10/15€9k€5k▼
Contributions10/11€25k€25k=
Reserves13€14k€14k=
Distributable reserves133€14k€14k=
Profit (loss) carried forward14€-30k€-34k▼
Amounts payable17/49€13k€13k▼
Amounts payable within one year42/48€13k€13k▼
Trade debts44€1k€821▼
Suppliers440/4€1k€821▼
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€9k€9k▼
Income statement
Code20242025
Other operating charges640/8€632€548▼
Gross operating margin9900€-3k€-3k▼
Operating profit (loss)9901€-4k€-4k▼
Financial charges65/66B€98€68▼
Recurring financial charges65€98€68▼
Profit (loss) for the period before taxes9903€-4k€-4k▼
Profit (loss) for the period9904€-4k€-4k▼
Profit (loss) for the period to be appropriated9905€-4k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€-34k▼
Profit (loss) brought forward from the previous period14P€-26k€-30k▼
The notes to these accounts (3 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 3.19
Current ratio from 1.01 to 3.19; short-term debt falls from €143k to €9k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Menen · 1 establishment unit since 2001
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.
Raymond Herremansstraat 148930 MenenGround area
811 m²
Building footprint
130 m²
Volume, LiDAR
516 m³
Parcel 34372A0366/00V002, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
FIDEL
since 20012.131.692.487
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34372A0366/00V002 | Flanders | 811 m² | 1 · 129 m² | 6.2 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.
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MUWAD
BE 0459.084.568
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Metalmatic
BE 0776.429.372
Zaventem · Eq €5k
EVCN
BE 0751.558.968
Wervik · Eq €5k
Of 6,156 companies in sector 46190 we hold annual accounts for 2,569. 999 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-03-2001
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
52410
47512Retail sale of household textiles and bedding
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.