FIDEL Accountants
ActiveSummary
FIDEL Accountants has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €84k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency33▼-51
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.91 against 2.72 in 2024; short-term debt: 79% and cash: 28% of total assets), and 92% of the assets are financed with debt.
Credit advice for your own amount and term
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
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
8%
Return on assets
60.9%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 12707 sector peers (2025).
NBB · sector comparisonPosition among 12707 sector peers
Solvency
better than 12%
← weakest
strongest →
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 11-12-2025, 140 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
140 d early
2024
156 d early
2023
161 d early
2022
25 d late
← 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
€11k▼ 91.3%
2024 · €126k
2022: €5k
2023: €44k
2024: €126k
2022 → 2025
Total assets
€138k▼ 36.0%
2024 · €216k
2022: €18k
2023: €136k
2024: €216k
2022 → 2025
Net result
€84k▲ 1.7%
2024 · €83k
2022: €5k
2023: €39k
2024: €83k
2022 → 2025
Working capital
€-10k
2024 · €100k
2022: €4k
2023: €28k
2024: €100k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€5k-€44k▲ 765%€126k▲ 188%€11k▼ 91.3%
Operating result€6k-€51k▲ 753%€105k▲ 105%€109k▲ 3.8%
Net result€5k-€39k▲ 760%€83k▲ 110%€84k▲ 1.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €138k
Fixed assets
€39k ▼ 32.6%
Current assets
€99k ▼ 37.3%
Equity and liabilities €138k
Equity
€11k ▼ 91.3%
Debt
€127k ▲ 42.4%
Debt's share of the balance-sheet total rises from 41.3% to 92.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€130k▲
2024 · €123k
Cash flow
€105k▲
2024 · €101k
Current ratio
0.91▼
2024 · 2.72
Debt to equity
11.54▲
2024 · 0.70
ROE
764.0%▲
2024 · 65.3%
ROA
60.9%▲
2024 · 38.3%
Interest coverage
44.61▼
2024 · 60.08
Debt ≤ 1 year
€109k▲
2024 · €58k
Debt > 1 year
€16k▼
2024 · €30k
Income taxes
€22k▲
2024 · €22k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€216k€138k▼
Fixed assets21/28€57k€39k▼
Intangible fixed assets21€11k€6k▼
Tangible fixed assets22/27€46k€32k▼
Plant, machinery and equipment23€1k€507▼
Furniture and vehicles24€44k€31k▼
Other tangible fixed assets26€1k€746▼
Current assets29/58€158k€99k▼
Amounts receivable within one year40/41€41k€49k▲
Trade receivables40€41k€44k▲
Other amounts receivable41-€5k
Current investments50/53€71k€0▼
Cash at bank and in hand54/58€34k€39k▲
Deferred charges and accrued income490/1€12k€12k▼
Equity and liabilities
Total equity and liabilities10/49€216k€138k▼
Equity10/15€126k€11k▼
Contributions10/11€1k€1k=
Reserves13€125k€10k▼
Distributable reserves133€125k€10k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€89k€127k▲
Amounts payable after more than one year17€30k€16k▼
Financial debts170/4€30k€16k▼
Amounts payable within one year42/48€58k€109k▲
Current portion of amounts payable after more than one year42€17k€14k▼
Trade debts44€7k€7k▼
Suppliers440/4€7k€7k▼
Taxes, remuneration and social security45€31k€12k▼
Taxes450/3€31k€12k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€4k€76k▲
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€21k▲
Other operating charges640/8€576€766▲
Gross operating margin9900€124k€131k▲
Operating profit (loss)9901€105k€109k▲
Financial income75/76B€1k€104▼
Recurring financial income75€1k€104▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€104k€106k▲
Income taxes67/77€22k€22k▲
Profit (loss) for the period9904€83k€84k▲
Profit (loss) for the period to be appropriated9905€83k€84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€83k€84k▲
Transfer from equity791/2-€125k
Transfer to equity691/2€83k€10k▼
To other reserves6921€83k€10k▼
Profit to be distributed694/7€0€200k▲
Return on contributions (dividend)694€0€200k▲
The notes to these accounts (15 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
03-09
State Gazette act
Incorporation · Founder
Corporate purpose · Founding capital
2025
11-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-09
Financial
Highest result since 2022net €84k ▲1.7%
Operating result €109k, net result €84k, both a record.
2024
25-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-09
Financial
Equity above €100kEq €126k ▲188%
3 profitable years in a row build equity to €126k.
24-07
State Gazette act
Board meeting · Registered-office move
Power of attorney
21-02
State Gazette act
General meeting · Share cancellation
Reserve release · Capital · Lien Couck
2023
21-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
Financial milestoneState Gazette actNBB 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, Aalst · 2 establishment units since 2022
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.
Handbos 69320 AalstGround area
4,171 m²
Building footprint
1,236 m²
Volume, LiDAR
13,150 m³
2 parcels, Flanders · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
FIDEL Accountants
since 20222.330.901.585
Ninovesteenweg 198, 9320 Aalst
since 20222.337.535.296
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41342B0950/00K002 | Flanders | 3,791 m² | 1 · 1,152 m² | 14.4 m · 4 fl. |
| 41014A0135/00R000 | Flanders | 381 m² | 1 · 84 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 661 EUR awarded · 661 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 480 EUR | 480 EUR |
| 2024 | 1 | 60 EUR | 60 EUR |
| 2023 | 1 | 83 EUR | 83 EUR |
| 2022 | 1 | 38 EUR | 38 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
M-serviceS
BE 0560.706.619
Haacht · Eq €10,993
A-INTELLIGENCE
BE 0717.571.158
Antwerpen · Eq €10,992
CF CONSEIL
BE 0791.524.552
Anderlecht · Eq €10,941
FID CONSULT
BE 1010.571.635
Tienen · Eq €11,078
Fiduciaire DIAS
BE 0731.675.057
Seraing · Eq €11,079
Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 3,258 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 formPrivate limited company
Founded02-05-2022
Fiscal year end30-09
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.