Fidelica
ActiveFidelica 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 €1.78M and a net result of €316k. Equity is growing by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 43% of 7962 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-01-2026, 18 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
18 d early
2024
25 d early
2023
5 d early
2022
26 d early
2021
on the day
2020
10 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.78M▲ 21.5%
2024 · €1.47M
2020: €644k
2021: €1.04M
2022: €1.48M
2023: €1.15M
2024: €1.47M
2020 → 2025
Net result
€316k▲ 0.4%
2024 · €315k
2020: €638k
2021: €395k
2022: €441k
2023: €473k
2024: €315k
2020 → 2025
Total assets
€4.11M▼ 1.1%
2024 · €4.15M
2020: €4.04M
2021: €4.28M
2022: €4.35M
2023: €4.21M
2024: €4.15M
2020 → 2025
Solvency
43.4%▲ 8.1pp
2024 · 35.3%
2020: 16.0%
2021: 24.3%
2022: 34.0%
2023: 27.4%
2024: 35.3%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.04M-€1.48M▲ 42.5%€1.15M▼ 22.1%€1.47M▲ 27.3%€1.78M▲ 21.5%
Operating result€297k-€294k▼ 0.7%€154k▼ 47.7%€142k▼ 8.1%€130k▼ 7.9%
Net result€395k-€441k▲ 11.8%€473k▲ 7.2%€315k▼ 33.5%€316k▲ 0.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 8% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.11M
Fixed assets
€3.98M=
Current assets
€131k▼ 26.0%
Equity and liabilities €4.11M
Equity
€1.78M▲ 21.5%
Debt
€2.32M▼ 13.5%
The debt ratio falls from 64.7% to 56.6%: equity grows while debt is paid down.
Key figures and ratios
Solvency
43.4%▲
2024 · 35.3%
ROE
17.7%▼
2024 · 21.4%
ROA
7.7%▲
2024 · 7.6%
Debt
€2.32M▼
2024 · €2.69M
Debt ≤ 1 year
€863k▼
2024 · €935k
Debt > 1 year
€1.46M▼
2024 · €1.75M
Income taxes
€13k▼
2024 · €20k
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€4.15M€4.11M▼
Fixed assets21/28€3.98M€3.98M=
Financial fixed assets28€3.98M€3.98M=
Current assets29/58€177k€131k▼
Amounts receivable within one year40/41€150k€96k▼
Trade receivables40€0€95k▲
Other amounts receivable41€150k€789▼
Cash at bank and in hand54/58€26k€34k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€4.15M€4.11M▼
Equity10/15€1.47M€1.78M▲
Contributions10/11€6k€6k=
Reserves13€1.46M€1.78M▲
Distributable reserves133€1.46M€1.78M▲
Profit (loss) carried forward14€0-
Amounts payable17/49€2.69M€2.32M▼
Amounts payable after more than one year17€1.75M€1.46M▼
Financial debts170/4€1.75M€1.46M▼
Amounts payable within one year42/48€935k€863k▼
Current portion of amounts payable after more than one year42€58k€0▼
Trade debts44€1k€25k▲
Suppliers440/4€1k€25k▲
Taxes, remuneration and social security45€9k€7k▼
Taxes450/3€9k€7k▼
Other amounts payable47/48€866k€831k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Other operating charges640/8€1k€2k▲
Gross operating margin9900€143k€132k▼
Operating profit (loss)9901€142k€130k▼
Financial income75/76B€262k€277k▲
Recurring financial income75€262k€277k▲
Financial charges65/66B€68k€78k▲
Recurring financial charges65€68k€78k▲
Profit (loss) for the period before taxes9903€335k€329k▼
Income taxes67/77€20k€13k▼
Profit (loss) for the period9904€315k€316k▲
Profit (loss) for the period to be appropriated9905€315k€316k▲
Appropriation of the result
Profit (loss) to be appropriated9906€315k€316k▲
Transfer from equity791/2€0-
Transfer to equity691/2€315k€316k▲
To other reserves6921€315k€316k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (6 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
13-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €315k ▼33.5%
Net result drops to €315k, the lowest in the series; recovery starts the following year.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €1MEq €1.04M ▲61.2%
2 profitable years in a row build equity to €1.04M.
21-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Nazareth · 1 establishment unit since 2019
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.
Drapstraat 1219810 NazarethGround area
1,245 m²
Building footprint
70 m²
Volume, LiDAR
428 m³
Parcel 44048F0725/00P000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Fidelica
since 20192.292.062.785
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44048F0725/00P000 | Flanders | 1,245 m² | 1 · 70 m² | 8.1 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.
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 11,210 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-07-2019
Fiscal year end30-06
Activities, NACEBEL
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
69109Other legal services
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.