Summary
Fidelis 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 €605,638 and a net result of €25,492. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 71% of 493 sector peers (fiscal year 2025). The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
1 d early
2022
3 d early
2021
31 d late
2020
5 d early
2019
68 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 17 days after the deadline; the sector median for financial year 2024 is 5 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, full schema
In the rankings
#1 oldest company in Oudenburg, Finance and insurance sector#7 company by equity in Oudenburg, Finance and insurance sector
Equity
€605,638▲ 31.0%
2024 · €462,285
Net result
€25,492▼ 79.9%
2024 · €126,820
Total assets
€921,900▲ 43.5%
2024 · €642,383
Solvency
65.7%▼ 6.3pp
2024 · 72.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€151,927▲ 103%€132,121▼ 13.0%€114,143▼ 13.6%€127,761▲ 11.9%€39,559▼ 69.0%
Net result€109,698within the sector's middle half▲ 100%€94,579within the sector's middle half▼ 13.8%€82,369within the sector's middle half▼ 12.9%€126,820within the sector's middle half▲ 54.0%€25,492within the sector's middle half▼ 79.9%
Equity€285,017within the sector's middle half▲ 62.6%€379,596within the sector's middle half▲ 33.2%€461,964within the sector's middle half▲ 21.7%€462,285within the sector's middle half▲ 0.1%€605,638within the sector's middle half▲ 31.0%
Total assets€415,028below the sector's middle half▲ 3.1%€436,134below the sector's middle half▲ 5.1%€499,373within the sector's middle half▲ 14.5%€642,383within the sector's middle half▲ 28.6%€921,900within the sector's middle half▲ 43.5%
Debt€130,011▼ 42.8%€56,538▼ 56.5%€37,408▼ 33.8%€180,098▲ 381%€316,262▲ 75.6%
Working capital€108,412€288,473▲ 166%€439,099▲ 52.2%€454,158▲ 3.4%€174,782▼ 61.5%
Solvency68.7%above the sector's middle half▲ 25.1pp87.0%above the sector's middle half▲ 18.4pp92.5%above the sector's middle half▲ 5.5pp72.0%above the sector's middle half▼ 20.5pp65.7%within the sector's middle half▼ 6.3pp
Staff (FTE)3.7within the sector's middle half▼ 11.9%2.6within the sector's middle half▼ 29.7%3.4within the sector's middle half▲ 30.8%4.9within the sector's middle half▲ 44.1%8.2within the sector's middle half▲ 67.3%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Why a figure moved sharply
- 2025 Net result -80% on 2024. The accounts now follow the full schema, last year the abbreviated schema.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 69% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €921,900
Fixed assets
€430,856 ▲ 5,180%
Current assets
€491,045 ▼ 22.6%
Equity and liabilities €921,900
Equity
€605,638 ▲ 31.0%
Debt
€316,262 ▲ 75.6%
Debt's share of the balance-sheet total rises from 28.0% to 34.3%. Equity and debt are higher.
Key figures and ratios
ROE
4.2%▼
2024 · 27.4%
ROA
2.8%▼
2024 · 19.7%
Debt ≤ 1 year
€316,262▲
2024 · €180,065
Income taxes
€15,402▲
2024 · €6,654
Staff costs
€488,846▲
2024 · €293,862
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €186,855 | €120,563 | €212,146 | €293,862 | €488,846 | ▲ 66.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €123,663 | €94,316 | €72,477 | €16,095 | €86,028 | ▲ 434% |
| Other operating charges640/8 | €1,657 | €1,705 | €1,702 | €1,760 | €1,805 | ▲ 2.6% |
| Non-recurring operating charges66A | €905 | €3,010 | €2,899 | €500 | €1,148 | ▲ 130% |
| Gross operating margin9900 | €465,007 | €351,715 | €403,368 | €439,978 | €617,386 | ▲ 40.3% |
| Operating profit (loss)9901 | €151,927 | €132,121 | €114,143 | €127,761 | €39,559 | ▼ 69.0% |
| Financial income75/76B | €2,752 | €76 | €1,801 | €8,596 | €3,247 | ▼ 62.2% |
| Recurring financial income75 | €2,752 | €76 | €1,801 | €8,596 | €3,247 | ▼ 62.2% |
| Financial charges65/66B | €1,124 | €452 | €1,098 | €2,882 | €1,912 | ▼ 33.7% |
| Recurring financial charges65 | €1,124 | €452 | €1,098 | €2,882 | €1,912 | ▼ 33.7% |
| Profit (loss) for the period before taxes9903 | €153,555 | €131,744 | €114,846 | €133,475 | €40,894 | ▼ 69.4% |
| Income taxes67/77 | €43,856 | €37,165 | €32,477 | €6,654 | €15,402 | ▲ 131% |
| Profit (loss) for the period9904 | €109,698 | €94,579 | €82,369 | €126,820 | €25,492 | ▼ 79.9% |
| Profit (loss) for the period to be appropriated9905 | €109,698 | €94,579 | €82,369 | €126,820 | €25,492 | ▼ 79.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €415,028 | €436,134 | €499,373 | €642,383 | €921,900 | ▲ 43.5% |
| Fixed assets21/28 | €182,270 | €91,281 | €22,926 | €8,161 | €430,856 | ▲ 5,180% |
| Intangible fixed assets21 | €108,593 | €58,071 | €13,071 | €71 | €300,736 | ▲ 422,104% |
| Tangible fixed assets22/27 | €70,677 | €30,210 | €6,855 | €5,089 | €127,120 | ▲ 2,398% |
| Land and buildings22 | €67,142 | €25,179 | €2,951 | €2,433 | €2,148 | ▼ 11.7% |
| Furniture and vehicles24 | €3,535 | €5,031 | €3,904 | €2,657 | €81,458 | ▲ 2,966% |
| Other tangible fixed assets26 | - | - | - | - | €43,514 | - |
| Financial fixed assets28 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Current assets29/58 | €232,758 | €344,853 | €476,447 | €634,222 | €491,045 | ▼ 22.6% |
| Amounts receivable within one year40/41 | €84,257 | €67,251 | €149,030 | €102,073 | €413,192 | ▲ 305% |
| Trade receivables40 | €16,832 | €15,261 | €12,979 | €11,606 | €11,501 | ▼ 0.9% |
| Other amounts receivable41 | €67,424 | €51,990 | €136,051 | €90,468 | €401,691 | ▲ 344% |
| Cash at bank and in hand54/58 | €145,872 | €275,873 | €325,536 | €530,029 | €69,040 | ▼ 87.0% |
| Deferred charges and accrued income490/1 | €2,630 | €1,729 | €1,881 | €2,120 | €8,813 | ▲ 316% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €415,028 | €436,134 | €499,373 | €642,383 | €921,900 | ▲ 43.5% |
| Equity10/15 | €285,017 | €379,596 | €461,964 | €462,285 | €605,638 | ▲ 31.0% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €179,861 | ▲ 190% |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €179,861 | ▲ 190% |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €533,444 | ▲ 760% |
| Uncalled capital101 | - | - | - | - | €353,583 | - |
| Reserves13 | €223,017 | €317,596 | €399,964 | €400,285 | €425,777 | ▲ 6.4% |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €7,475 | ▲ 20.6% |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €7,475 | ▲ 20.6% |
| Distributable reserves133 | €216,817 | €311,396 | €393,764 | €394,085 | €418,302 | ▲ 6.1% |
| Profit (loss) carried forward14 | - | - | - | €0 | €0 | - |
| Amounts payable17/49 | €130,011 | €56,538 | €37,408 | €180,098 | €316,262 | ▲ 75.6% |
| Amounts payable after more than one year17 | €5,614 | €0 | - | - | - | - |
| Financial debts170/4 | €5,614 | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €124,347 | €56,381 | €37,348 | €180,065 | €316,262 | ▲ 75.6% |
| Current portion of amounts payable after more than one year42 | €67,107 | €5,614 | €0 | - | - | - |
| Trade debts44 | €6,734 | €5,313 | €10,508 | €14,291 | €73,514 | ▲ 414% |
| Suppliers440/4 | €6,734 | €5,313 | €10,508 | €14,291 | €73,514 | ▲ 414% |
| Taxes, remuneration and social security45 | €46,946 | €41,991 | €26,760 | €34,733 | €65,287 | ▲ 88.0% |
| Taxes450/3 | €31,279 | €30,606 | €1,526 | €1,648 | €19,233 | ▲ 1,067% |
| Remuneration and social security454/9 | €15,666 | €11,385 | €25,234 | €33,085 | €46,054 | ▲ 39.2% |
| Other amounts payable47/48 | €3,560 | €3,462 | €80 | €131,041 | €177,462 | ▲ 35.4% |
| Accrued charges and deferred income492/3 | €50 | €157 | €60 | €33 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €109,698 | €94,579 | €82,369 | €126,820 | €25,492 | ▼ 79.9% |
| + Depreciation and write-downs630 | €123,663 | €94,316 | €72,477 | €16,095 | €86,028 | ▲ 434% |
| Operating cash flow (approximation) | €233,362 | €188,895 | €154,846 | €142,916 | €111,520 | ▼ 22.0% |
| Investment in fixed assets (approximation) | - | -€3,327 | -€4,123 | -€1,330 | -€508,723 | ▼ 38,150% |
| Change in cash | - | €130,001 | €49,663 | €204,493 | -€460,990 | ▼ 325% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €500,000Eq €605,638 ▲31%
6 profitable years in a row build equity to €605,638.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €126,820 ▲54%
Net result €126,820, the highest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 12.76
Current ratio from 6.12 to 12.76; short-term debt falls from €56,381 to €37,348.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity triplescurrent ratio 6.12
Current ratio from 1.87 to 6.12; short-term debt falls from €124,347 to €56,381.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 1.87
Current ratio from 0.63 to 1.87; short-term debt falls from €154,448 to €124,347.
31-12
Financial
Equity above €200,000Eq €285,017 ▲62.6%
2 profitable years in a row build equity to €285,017.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2020
31-12
Financial
Back to profitnet €54,810
Net result €54,810 after 2 loss-making years.
31-12
Financial
Equity above €150,000Eq €175,319 ▲45.5%
Equity rises from €120,509 to €175,319.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 68 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 14 acts read
About the unread acts
We know of 14 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
14 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, Oudenburg · 3 establishment units since 1990
Ground area
2,006 m²
Building footprint
637 m²
Volume, LiDAR
4,317 m³
3 parcels, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
3 establishment units
Fidelis nv
since 19902.047.394.044
Fidelis nv
since 20192.298.310.278
Fidelis nv
since 20252.375.639.767
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35014B0401/00L000 | Flanders | 1,103 m² | 1 · 362 m² | 12.4 m · 3 fl. |
| 31041A0926/00X000 | Flanders | 737 m² | 1 · 135 m² | 2.5 m |
| 35005A0845/00B000 | Flanders | 166 m² | 1 · 140 m² | 11.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
3 ownersOwners 3
-
47.36%
-
20%
-
0.04%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 892 EUR awarded · 892 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 552 EUR | 552 EUR |
| 2024 | 1 | 198 EUR | 198 EUR |
| 2023 | 1 | 96 EUR | 96 EUR |
| 2022 | 1 | 46 EUR | 46 EUR |
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,496 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded21-12-1989
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66290Activities auxiliary to financial services and insurance activities
Contact
E-mail
timo@fidelisteam.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0439645867
Also
9925:BE0439645867
Registered
31-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.