FIDELIA
ActiveFIDELIA 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 €18k and a net result of €90k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 1457 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 1457 sector peers (2025).
NBB · sector comparisonPosition among 1457 sector peers
Solvency
better than 11%
← weakest
strongest →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
12 d early
2022
35 d late
2021
31 d late
2020
31 d late
2019
61 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€18k
2024 · €-6k
2018: €8k
2019: €46k
2020: €120k
2021: €209k
2022: €286k
2023: €13k
2024: €-6k
2018 → 2025
Net result
€90k
2024 · €-19k
2018: €-83k
2019: €-83k
2020: €117k
2021: €150k
2022: €125k
2023: €-34k
2024: €-19k
2018 → 2025
Total assets
€557k▲ 4.0%
2024 · €536k
2018: €553k
2019: €650k
2020: €650k
2021: €715k
2022: €759k
2023: €746k
2024: €536k
2018 → 2025
Solvency
3.3%▲ 4.5pp
2024 · -1.2%
2018: 1.4%
2019: 7.1%
2020: 18.4%
2021: 29.3%
2022: 37.8%
2023: 1.8%
2024: -1.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€209k-€286k▲ 36.8%€13k▼ 95.4%€-6k€18k
Operating result€189k-€162k▼ 14.4%€-20k€926€126k▲ 13,536%
Net result€150k-€125k▼ 16.4%€-34k€-19k▲ 42.6%€90k
Turnover and EBIT margin not published: the abbreviated 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 13,536% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €557k
Fixed assets
€307k▼ 14.5%
Current assets
€250k▲ 41.4%
Equity and liabilities €557k
Equity
€18k
Debt
€539k
Debt finances 96.7% of the balance-sheet total.
Key figures and ratios
Solvency
3.3%▲
2024 · -1.2%
ROE
485.1%▲
2024 · 313.5%
ROA
16.1%▲
2024 · -3.6%
Debt
€539k▼
2024 · €542k
Debt ≤ 1 year
€337k▲
2024 · €300k
Debt > 1 year
€201k▼
2024 · €242k
Income taxes
€23k▲
2024 · €7k
Staff costs
€717k▼
2024 · €814k
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€536k€557k▲
Fixed assets21/28€359k€307k▼
Intangible fixed assets21€52k€47k▼
Tangible fixed assets22/27€307k€261k▼
Land and buildings22€296k€253k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€6k€4k▼
Current assets29/58€177k€250k▲
Amounts receivable within one year40/41€153k€140k▼
Trade receivables40€114k€112k▼
Other amounts receivable41€38k€28k▼
Cash at bank and in hand54/58€18k€106k▲
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€536k€557k▲
Equity10/15€-6k€18k▲
Contributions10/11€13k€13k=
Reserves13-€5k
Distributable reserves133-€5k
Profit (loss) carried forward14€-19k-
Amounts payable17/49€542k€539k▼
Amounts payable after more than one year17€242k€201k▼
Financial debts170/4€242k€201k▼
Amounts payable within one year42/48€300k€337k▲
Current portion of amounts payable after more than one year42€44k€41k▼
Financial debts43€16k€77k▲
Credit institutions430/8-€20k
Other loans439€16k€57k▲
Trade debts44€40k€18k▼
Suppliers440/4€40k€18k▼
Taxes, remuneration and social security45€127k€147k▲
Taxes450/3-€24k
Remuneration and social security454/9€127k€123k▼
Other amounts payable47/48€74k€54k▼
Income statement
Code20242025
Remuneration, social security and pensions62€814k€717k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€67k▲
Other operating charges640/8€8k€640▼
Gross operating margin9900€887k€911k▲
Operating profit (loss)9901€926€126k▲
Financial income75/76B€4k€111▼
Recurring financial income75€4k€111▼
Financial charges65/66B€17k€14k▼
Recurring financial charges65€17k€14k▼
Profit (loss) for the period before taxes9903€-13k€112k▲
Income taxes67/77€7k€23k▲
Profit (loss) for the period9904€-19k€90k▲
Profit (loss) for the period to be appropriated9905€-19k€90k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€70k▲
Profit (loss) brought forward from the previous period14P-€-19k
Transfer to equity691/2-€5k
To other reserves6921-€5k
Profit to be distributed694/7-€65k
Directors or managers695-€65k
Social balance
Average headcount (FTE)908710.59.5▼
The notes to these accounts (14 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €90k
Net result €90k after 2 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 35 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €150k ▲27.7%
Operating result €189k, net result €150k, both a record.
31-12
Financial
Equity above €200kEq €209k ▲75%
2 profitable years in a row build equity to €209k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Back to profitnet €117k
Net result €117k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €120k ▲158%
Equity rises from €46k to €120k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 61 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 9 days late
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2014
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
16-06-2014
Resigned as Manager
Location & real-estate footprint
Registered office, Brecht · 2 establishment units since 2011
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.
Brechtsebaan 6A2960 BrechtGround area
2,867 m²
Building footprint
257 m²
Volume, LiDAR
1,820 m³
2 parcels, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
FIDELIA-KBC Verzekeringen Brecht
since 20112.217.837.692
FIDELIA -KBC Verzekeringen Schoten
since 20112.217.838.088
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0492/00Z002 | Flanders | 2,627 m² | 1 · 173 m² | 7.8 m · 2 fl. |
| 11042A0124/00A006 | Flanders | 239 m² | 1 · 84 m² | 10.2 m · 3 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
2023 to 2025 · 3 entries · 389 EUR awarded · 424 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 217 EUR | 158 EUR |
| 2024 | 1 | 134 EUR | 134 EUR |
| 2023 | 1 | 38 EUR | 132 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,670 companies in sector 66220 we hold annual accounts for 3,216. 1,439 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2011
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.