FIDELE
ActiveSummary
FIDELE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57,207 and a net result of €10,974. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 89% of 1532 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability92▲+4
Solvency100▲+5
Growth65▼-13
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 4.8 against 4.24 in 2024; short-term debt: 16.9% and cash: 4.8% of total assets), and 16.9% of the assets are financed with debt.
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Signals
Five 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Rental and leasing activities (NACE 77)
about 44% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
83.1%
Return on assets
15.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days 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
24 d late
2024
26 d late
2023
2 d late
2022
24 d late
2021
29 d late
2020
31 d late
2019
31 d late
← 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 24 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% 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
Turnover
€77,993▲ 2.2%
2024 · €76,293
EBIT margin
19.6%▲ 7.9pp
2024 · 11.7%
Net result
€10,974▲ 49.5%
2024 · €7,342
Working capital
€44,338▲ 23.2%
2024 · €35,998
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
Turnover€76,293€77,993▲ 2.2%
Operating result€21,764▲ 222%€11,091▼ 49.0%€6,080▼ 45.2%€8,903▲ 46.4%€15,272▲ 71.5%
Net result€20,683▲ 234%€10,657▼ 48.5%€4,061▼ 61.9%€7,342▲ 80.8%€10,974▲ 49.5%
EBIT margin11.7%19.6%▲ 7.9pp
Equity€42,173▲ 96.2%€52,831▲ 25.3%€38,891▼ 26.4%€46,233▲ 18.9%€57,207▲ 23.7%
Total assets€50,238▲ 39.3%€56,355▲ 12.2%€66,878▲ 18.7%€66,348▼ 0.8%€68,878▲ 3.8%
Debt€8,064▼ 44.7%€3,524▼ 56.3%€27,987▲ 694%€20,115▼ 28.1%€11,671▼ 42.0%
Working capital€39,245▲ 133%€52,581▲ 34.0%€38,728▼ 26.3%€35,998▼ 7.0%€44,338▲ 23.2%
Staff (FTE)
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 72% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68,878
Fixed assets
€12,870 ▼ 33.1%
Current assets
€56,008 ▲ 18.8%
Equity and liabilities €68,878
Equity
€57,207 ▲ 23.7%
Debt
€11,671 ▼ 42.0%
Debt's share of the balance-sheet total falls from 30.3% to 16.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21,625▲
2024 · €15,256
Cash flow
€17,327▲
2024 · €13,695
Current ratio
4.80▲
2024 · 4.24
Debt to equity
0.20▼
2024 · 0.44
ROE
19.2%▲
2024 · 15.9%
ROA
15.9%▲
2024 · 11.1%
Interest coverage
19.99▲
2024 · 9.78
Debt ≤ 1 year
€11,671▲
2024 · €11,127
Income taxes
€3,216
Staff costs
€29,478▼
2024 · €32,878
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 higher bankruptcy probability: 0.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | €76,293 | €77,993 | ▲ 2.2% |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €28,989 | €28,580 | ▼ 1.4% |
| Remuneration, social security and pensions62 | €904 | €13,415 | €27,305 | €32,878 | €29,478 | ▼ 10.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,102 | €4,811 | €87 | €6,353 | €6,353 | = |
| Other operating charges640/8 | €348 | €540 | €575 | €694 | €59 | ▼ 91.5% |
| Gross operating margin9900 | €30,118 | €29,857 | €34,047 | €48,827 | €51,162 | ▲ 4.8% |
| Operating profit (loss)9901 | €21,764 | €11,091 | €6,080 | €8,903 | €15,272 | ▲ 71.5% |
| Financial charges65/66B | €572 | €434 | €387 | €1,560 | €1,082 | ▼ 30.7% |
| Recurring financial charges65 | €572 | €434 | €387 | €1,560 | €1,082 | ▼ 30.7% |
| Profit (loss) for the period before taxes9903 | €21,193 | €10,657 | €5,692 | €7,342 | €14,190 | ▲ 93.3% |
| Income taxes67/77 | €510 | - | €1,632 | - | €3,216 | - |
| Profit (loss) for the period9904 | €20,683 | €10,657 | €4,061 | €7,342 | €10,974 | ▲ 49.5% |
| Profit (loss) for the period to be appropriated9905 | €20,683 | €10,657 | €4,061 | €7,342 | €10,974 | ▲ 49.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €50,238 | €56,355 | €66,878 | €66,348 | €68,878 | ▲ 3.8% |
| Fixed assets21/28 | €5,061 | €250 | €25,576 | €19,223 | €12,870 | ▼ 33.1% |
| Tangible fixed assets22/27 | €4,811 | - | €25,326 | €18,973 | €12,620 | ▼ 33.5% |
| Furniture and vehicles24 | €4,811 | - | €25,326 | €18,973 | €12,620 | ▼ 33.5% |
| Financial fixed assets28 | €250 | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €45,177 | €56,105 | €41,302 | €47,125 | €56,008 | ▲ 18.8% |
| Amounts receivable within one year40/41 | €23,640 | €41,472 | €36,272 | €42,495 | €51,058 | ▲ 20.2% |
| Trade receivables40 | €635 | €165 | €535 | €377 | - | - |
| Other amounts receivable41 | €23,005 | €41,307 | €35,737 | €42,117 | €51,058 | ▲ 21.2% |
| Cash at bank and in hand54/58 | €20,981 | €13,979 | €4,168 | €3,720 | €3,313 | ▼ 11.0% |
| Deferred charges and accrued income490/1 | €556 | €654 | €862 | €911 | €1,637 | ▲ 79.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €50,238 | €56,355 | €66,878 | €66,348 | €68,878 | ▲ 3.8% |
| Equity10/15 | €42,173 | €52,831 | €38,891 | €46,233 | €57,207 | ▲ 23.7% |
| Contributions10/11 | €18,592 | €18,592 | €592 | €592 | €592 | = |
| Reserves13 | €3,434 | €3,434 | €3,434 | €3,434 | €3,434 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | - | - | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | - | - | - | - |
| Tax-exempt reserves132 | €1,575 | €1,575 | €1,575 | €1,575 | €1,575 | = |
| Distributable reserves133 | - | - | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | €20,148 | €30,805 | €34,866 | €42,208 | €53,181 | ▲ 26.0% |
| Amounts payable17/49 | €8,064 | €3,524 | €27,987 | €20,115 | €11,671 | ▼ 42.0% |
| Amounts payable after more than one year17 | €2,132 | - | €25,413 | €8,987 | - | - |
| Financial debts170/4 | €2,132 | - | €25,413 | €8,987 | - | - |
| Amounts payable within one year42/48 | €5,932 | €3,524 | €2,573 | €11,127 | €11,671 | ▲ 4.9% |
| Current portion of amounts payable after more than one year42 | €4,200 | €2,133 | - | €8,461 | €8,987 | ▲ 6.2% |
| Trade debts44 | €1,703 | €1,391 | €264 | - | €1,318 | - |
| Suppliers440/4 | €1,703 | €1,391 | €264 | - | €1,318 | - |
| Taxes, remuneration and social security45 | €30 | - | €2,310 | €2,667 | €1,365 | ▼ 48.8% |
| Taxes450/3 | €30 | - | - | - | €51 | - |
| Remuneration and social security454/9 | - | - | €2,310 | €2,667 | €1,314 | ▼ 50.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,683 | €10,657 | €4,061 | €7,342 | €10,974 | ▲ 49.5% |
| + Depreciation and write-downs630 | €7,102 | €4,811 | €87 | €6,353 | €6,353 | = |
| Operating cash flow (approximation) | €27,785 | €15,468 | €4,148 | €13,695 | €17,327 | ▲ 26.5% |
| Investment in fixed assets (approximation) | - | €0 | -€25,413 | €0 | €0 | - |
| Change in cash | - | -€7,001 | -€9,812 | -€448 | -€408 | ▲ 8.9% |
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 15.92
Current ratio from 7.62 to 15.92; short-term debt falls from €5,932 to €3,524.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €20,683 ▲234%
Operating result €21,764, net result €20,683, both a record.
31-12
Financial
Liquidity doublescurrent ratio 7.62
Current ratio from 3.45 to 7.62; short-term debt falls from €6,885 to €5,932.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 3.45
Current ratio from 1.20 to 3.45; short-term debt falls from €17,230 to €6,885.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €914 ▼43.6%
Net result drops to €914, the lowest in the series; recovery starts the following year.
Show earlier events
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Evere · 1 establishment unit since 1996
Ground area
6,155 m²
Building footprint
2,052 m²
Volume, LiDAR
78,648 m³
Parcel 21372C0045/00W000, Brussels · tallest building 43.7 m, ±14 floors. Linked by address, not a title deed.
12
companies at this address
See who is registered here
1 establishment unit
Cicerolaan 23, 1140 Evere
since 19962.122.355.347
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21372C0045/00W000 | Brussels | 6,155 m² | 1 · 2,052 m² | 43.7 m · 14 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.
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Of 1,446 companies in sector 77110 we hold annual accounts for 727. 484 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
Founded25-07-1995
Fiscal year end31-12
Activities, NACEBEL 2025
49330On-demand passenger transport by chauffeured vehicle
77110Renting and leasing of cars and light motor vehicles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0455735197
Also
9925:BE0455735197
Registered
24-11-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.