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 €634,405 and a net result of -€24,564. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 46% of 1495 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
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €634,405
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
3 d early
2019
2 d early
← 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 7 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, abbreviated schema
In the rankings
#2 oldest company in Jabbeke, Finance and insurance sector
Equity
€634,405▲ 98.7%
2024 · €319,253
Net result
-€24,564
2024 · €232,668
Total assets
€1.8m▲ 82.9%
2024 · €1.0m
Solvency
34.5%▲ 2.8pp
2024 · 31.8%
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€15,477▼ 58.1%€88,905▲ 474%€149,903▲ 68.6%€256,571▲ 71.2%-€461
Net result€12,494below the sector's middle half▼ 48.3%€64,747within the sector's middle half▲ 418%€111,081within the sector's middle half▲ 71.6%€232,668within the sector's middle half▲ 109%-€24,564below the sector's middle half
Equity€143,257within the sector's middle half▼ 73.1%€208,004within the sector's middle half▲ 45.2%€319,085within the sector's middle half▲ 53.4%€319,253within the sector's middle half▲ 0.1%€634,405within the sector's middle half▲ 98.7%
Total assets€154,408below the sector's middle half▼ 72.0%€228,846below the sector's middle half▲ 48.2%€382,951below the sector's middle half▲ 67.3%€1.0mwithin the sector's middle half▲ 162%€1.8mwithin the sector's middle half▲ 82.9%
Debt€11,151▼ 44.2%€20,841▲ 86.9%€63,866▲ 206%€685,460▲ 973%€1.2m▲ 75.5%
Working capital€141,733▼ 70.8%€206,275▲ 45.5%€316,333▲ 53.4%-€230,593-€63,202▲ 72.6%
Solvency92.8%above the sector's middle half▼ 3.6pp90.9%above the sector's middle half▼ 1.9pp83.3%above the sector's middle half▼ 7.6pp31.8%within the sector's middle half▼ 51.5pp34.5%within the sector's middle half▲ 2.8pp
Staff (FTE)1.8below the sector's middle half▼ 10.0%1below the sector's middle half▼ 44.4%1below the sector's middle half=1.8within the sector's middle half▲ 80.0%2within the sector's middle half▲ 11.1%
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.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €461 after €256,571 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.8m
Fixed assets
€1.3m ▲ 48.5%
Current assets
€547,969 ▲ 301%
Equity and liabilities €1.8m
Equity
€634,405 ▲ 98.7%
Debt
€1.2m ▲ 75.5%
Debt's share of the balance-sheet total falls from 68.2% to 65.5%. Equity and debt are higher.
Key figures and ratios
ROE
-3.9%▼
2024 · 72.9%
ROA
-1.3%▼
2024 · 23.2%
Debt ≤ 1 year
€611,171▲
2024 · €367,254
Debt > 1 year
€587,939▲
2024 · €318,207
Income taxes
€0▼
2024 · €4,036
Staff costs
€116,978▲
2024 · €95,330
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 | €77,259 | €49,232 | €48,181 | €95,330 | €116,978 | ▲ 22.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €45,444 | €1,818 | €1,107 | €217,889 | €375,290 | ▲ 72.2% |
| Other operating charges640/8 | €701 | €716 | €783 | €1,529 | €1,209 | ▼ 20.9% |
| Non-recurring operating charges66A | €162 | €1,571 | €208 | €926 | €232 | ▼ 75.0% |
| Gross operating margin9900 | €139,043 | €142,243 | €200,182 | €572,245 | €493,248 | ▼ 13.8% |
| Operating profit (loss)9901 | €15,477 | €88,905 | €149,903 | €256,571 | -€461 | ▼ 100% |
| Financial income75/76B | €3,323 | €187 | €1,087 | €242 | €360 | ▲ 48.7% |
| Recurring financial income75 | €3,323 | €187 | €1,087 | €242 | €360 | ▲ 48.7% |
| Financial charges65/66B | €196 | €196 | €419 | €20,108 | €24,462 | ▲ 21.7% |
| Recurring financial charges65 | €196 | €196 | €419 | €20,108 | €24,462 | ▲ 21.7% |
| Profit (loss) for the period before taxes9903 | €18,604 | €88,896 | €150,571 | €236,704 | -€24,564 | ▼ 110% |
| Income taxes67/77 | €6,110 | €24,149 | €39,491 | €4,036 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €12,494 | €64,747 | €111,081 | €232,668 | -€24,564 | ▼ 111% |
| Profit (loss) for the period to be appropriated9905 | €12,494 | €64,747 | €111,081 | €232,668 | -€24,564 | ▼ 111% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €154,408 | €228,846 | €382,951 | €1.0m | €1.8m | ▲ 82.9% |
| Fixed assets21/28 | €1,585 | €1,800 | €2,801 | €868,052 | €1.3m | ▲ 48.5% |
| Intangible fixed assets21 | €720 | €0 | - | €863,600 | €1.3m | ▲ 48.7% |
| Tangible fixed assets22/27 | €865 | €1,800 | €2,801 | €4,452 | €5,116 | ▲ 14.9% |
| Plant, machinery and equipment23 | €0 | - | - | - | - | - |
| Furniture and vehicles24 | €865 | €1,800 | €2,801 | €4,452 | €5,116 | ▲ 14.9% |
| Current assets29/58 | €152,822 | €227,045 | €380,150 | €136,661 | €547,969 | ▲ 301% |
| Amounts receivable within one year40/41 | €41,170 | €36,459 | €129,234 | €76,465 | €488,736 | ▲ 539% |
| Trade receivables40 | €28,150 | €29,135 | €27,834 | €61,656 | €85,312 | ▲ 38.4% |
| Other amounts receivable41 | €13,020 | €7,323 | €101,400 | €14,809 | €403,424 | ▲ 2,624% |
| Cash at bank and in hand54/58 | €111,069 | €189,395 | €247,473 | €59,426 | €56,702 | ▼ 4.6% |
| Deferred charges and accrued income490/1 | €584 | €1,191 | €3,443 | €770 | €2,531 | ▲ 229% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €154,408 | €228,846 | €382,951 | €1.0m | €1.8m | ▲ 82.9% |
| Equity10/15 | €143,257 | €208,004 | €319,085 | €319,253 | €634,405 | ▲ 98.7% |
| Contributions10/11 | €99,630 | €99,630 | €99,630 | €99,630 | €439,346 | ▲ 341% |
| Capital10 | €99,630 | €99,630 | - | - | - | - |
| Issued capital100 | €99,630 | €99,630 | - | - | - | - |
| Reserves13 | €43,627 | €108,374 | €219,455 | €219,623 | €195,059 | ▼ 11.2% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €0 | - | - | - |
| Legal reserve130 | €1,859 | €1,859 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €0 | - | - | - |
| Distributable reserves133 | €41,768 | €106,515 | €219,455 | €219,623 | €195,059 | ▼ 11.2% |
| Profit (loss) carried forward14 | €0 | €0 | - | €0 | €0 | - |
| Amounts payable17/49 | €11,151 | €20,841 | €63,866 | €685,460 | €1.2m | ▲ 75.5% |
| Amounts payable after more than one year17 | - | - | - | €318,207 | €587,939 | ▲ 84.8% |
| Financial debts170/4 | - | - | - | €318,207 | €587,939 | ▲ 84.8% |
| Amounts payable within one year42/48 | €11,089 | €20,770 | €63,817 | €367,254 | €611,171 | ▲ 66.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €96,311 | €197,316 | ▲ 105% |
| Trade debts44 | €2,265 | €6,143 | €7,909 | €14,786 | €35,277 | ▲ 139% |
| Suppliers440/4 | €2,265 | €6,143 | €7,909 | €14,786 | €35,277 | ▲ 139% |
| Taxes, remuneration and social security45 | €8,824 | €14,414 | €9,870 | €16,112 | €17,889 | ▲ 11.0% |
| Taxes450/3 | €0 | €9,149 | €4,204 | €3,964 | €3,964 | = |
| Remuneration and social security454/9 | €8,824 | €5,265 | €5,666 | €12,148 | €13,925 | ▲ 14.6% |
| Other amounts payable47/48 | - | €213 | €46,038 | €240,045 | €360,689 | ▲ 50.3% |
| Accrued charges and deferred income492/3 | €62 | €72 | €49 | €0 | €3,907 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,494 | €64,747 | €111,081 | €232,668 | -€24,564 | ▼ 111% |
| + Depreciation and write-downs630 | €45,444 | €1,818 | €1,107 | €217,889 | €375,290 | ▲ 72.2% |
| Operating cash flow (approximation) | €57,938 | €66,565 | €112,188 | €450,557 | €350,726 | ▼ 22.2% |
| Investment in fixed assets (approximation) | - | -€2,033 | -€2,108 | -€1.1m | -€796,691 | ▲ 26.4% |
| Change in cash | - | €78,326 | €58,077 | -€188,046 | -€2,724 | ▲ 98.6% |
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 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€24,564
Net result drops to -€24,564, the lowest in the series.
31-12
Financial
Equity above €500,000Eq €634,405 ▲98.7%
Equity rises from €319,253 to €634,405.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €232,668 ▲109%
Operating result €256,571, net result €232,668, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200,000Eq €208,004 ▲45.2%
5 profitable years in a row build equity to €208,004.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
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 11 acts read
About the unread acts
We know of 11 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
11 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, Jabbeke · 1 establishment unit since 1990
Ground area
460 m²
Building footprint
157 m²
Volume, LiDAR
1,356 m³
Parcel 31012C0157/00K003, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Fidelis cvba
since 19902.046.494.617
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31012C0157/00K003 | Flanders | 460 m² | 1 · 157 m² | 9.9 m · 3 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.
Structure & network
Owners and holdings
4 ownersOwners 4
-
47.52%
-
20%
-
17.32%
-
0.01%
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 · 3 entries · 138 EUR awarded · 138 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 50 EUR | 50 EUR |
| 2023 | 1 | 44 EUR | 44 EUR |
| 2022 | 1 | 44 EUR | 44 EUR |
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,220. 2,472 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
Founded28-12-1989
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-mail
timo@fidelisteam.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0439727922
Registered
23-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.