FIDELE BOUVEROUX
ActiveThe computed 12-month bankruptcy probability of FIDELE BOUVEROUX is 3.1% (moderate). The 2024 annual accounts show equity of €26k and a net result of €-2k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 51% of 2090 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability66▼-3
Solvency57▲+4
Growth52=
Track record94
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.36 against 0.68 in 2023; short-term debt: 68% and cash: 11.3% of total assets), and 68% 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.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
32%
Return on assets
-2.5%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
30 d late
2022
31 d late
2021
12 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€26k▼ 7.3%
2023 · €28k
2021: €11k
2022: €28k
2023: €28k
2021 → 2024
Total assets
€82k▼ 19.6%
2023 · €102k
2021: €75k
2022: €100k
2023: €102k
2021 → 2024
Net result
€-2k
2023 · €606
2021: €6k
2022: €17k
2023: €606
2021 → 2024
Working capital
€-36k▼ 51.3%
2023 · €-24k
2021: €21k
2022: €28k
2023: €-24k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€11k-€28k▲ 157%€28k▲ 2.2%€26k▼ 7.3%
Operating result€8k-€22k▲ 176%€987▼ 95.5%€-2k
Net result€6k-€17k▲ 193%€606▼ 96.4%€-2k
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 2024: a loss of €2k after €987 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €82k
Fixed assets
€62k▲ 19.4%
Current assets
€20k▼ 60.1%
Equity and liabilities €82k
Equity
€26k▼ 7.3%
Debt
€55k▼ 24.4%
The debt ratio falls from 72.3% to 68.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€15k▲
2023 · €15k
Cash flow
€15k▲
2023 · €15k
Solvency
32.0%▲
2023 · 27.7%
Current ratio
0.36▼
2023 · 0.68
Quick ratio
0.23▼
2023 · 0.58
Debt / equity
2.13▼
2023 · 2.61
ROE
-7.8%▼
2023 · 2.2%
ROA
-2.5%▼
2023 · 0.6%
Interest coverage
51.83▲
2023 · 40.48
Debt
€55k▼
2023 · €73k
Debt ≤ 1 year
€55k▼
2023 · €73k
Staff costs
€38k▲
2023 · €34k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€102k€82k▼
Fixed assets21/28€52k€62k▲
Tangible fixed assets22/27€52k€62k▲
Plant, machinery and equipment23€49k€59k▲
Furniture and vehicles24€3k€3k▲
Current assets29/58€50k€20k▼
Stocks and contracts in progress3€8k€7k▼
Stocks30/36€8k€7k▼
Amounts receivable within one year40/41€2k€3k▲
Trade receivables40€2k€3k▲
Cash at bank and in hand54/58€39k€9k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€102k€82k▼
Equity10/15€28k€26k▼
Contributions10/11€5k€5k=
Reserves13€23k€23k=
Distributable reserves133€23k€23k=
Profit (loss) carried forward14-€-2k
Amounts payable17/49€73k€55k▼
Amounts payable within one year42/48€73k€55k▼
Trade debts44€9k€836▼
Suppliers440/4€9k€836▼
Taxes, remuneration and social security45€20k€12k▼
Taxes450/3€9k€6k▼
Remuneration and social security454/9€11k€6k▼
Other amounts payable47/48€44k€43k▼
Income statement
Code20232024
Remuneration, social security and pensions62€34k€38k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€17k▲
Other operating charges640/8€423€786▲
Gross operating margin9900€49k€54k▲
Operating profit (loss)9901€987€-2k▼
Financial income75/76B€51€228▲
Recurring financial income75€51€228▲
Financial charges65/66B€371€291▼
Recurring financial charges65€371€291▼
Profit (loss) for the period before taxes9903€667€-2k▼
Income taxes67/77€61-
Profit (loss) for the period9904€606€-2k▼
Profit (loss) for the period to be appropriated9905€606€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€606€-2k▼
Transfer to equity691/2€606-
To other reserves6921€606-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-2k ▼438%
Net result drops to €-2k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2021net €17k ▲193%
Operating result €22k, net result €17k, both a record.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
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, Flémalle · 1 establishment unit since 2021
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.
Rue du Palais 244400 FlémalleGround area
619 m²
Building footprint
109 m²
Volume, LiDAR
620 m³
Parcel 62007A0269/00E000, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fidèle Bouveroux
since 20212.315.395.542
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62007A0269/00E000 | Wallonia | 619 m² | 1 · 109 m² | 6.8 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteFlémalle2.315.395.542
Similar companies · same sector, comparable size
ERNOUX PH.
BE 1005.666.702
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BE 0834.594.532
Oostkamp · Eq €26k
BAKE'LY
BE 1010.193.335
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LWALIDA
BE 0786.820.646
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MATTYS – BELGUEDHA
BE 0788.950.290
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Of 511 companies in sector 10711 we hold annual accounts for 329. 182 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2021
Fiscal year end31-12
Activities, NACEBEL
10711Manufacture of food products
10712Artisanal bread and fresh pastry making
47241Retail sale of bread and pastry (bakery outlets)
47242Retail sale of chocolate and confectionery
47252Retail sale of beverages, general range
47279Other retail sale of food
47299Retail trade
47559Retail sale of other household articles
47599Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.