FIDELLE

Active

Private limited companyfounded 20206 yrs activeAarschotsesteenweg(VSN) 441, 3300 Tienen, BelgiumKBO/BCE: BE 0749.732.695

The computed 12-month bankruptcy probability of FIDELLE is 2.6% (moderate). The 2025 annual accounts show negative equity (€-3k) and a net result of €-5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 18040 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

44 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability61▲+13

Solvency24▼-2

Growth32=

Track record100

Bankruptcy probability, 12 months

2.6% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity ample (current ratio 1.77 against 2.34 in 2024; short-term debt: 30.1% and cash: 0.9% of total assets), but equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2025

Solvency, return and age of the figures

Solvency

-0.8%

Return on assets

-1.4%

Age of the figures

18 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

22232425

2022 to 2025 · latest year €-3k

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

on the day

2024

28 d late

2023

on the day

2022

on the day

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.

Companies Code · seven months

Position in the running window

31-03-2026 close17-09-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€-3k

2024 · €2k

2022: €7k 2023: €1k 2024: €2k

2022 → 2025

Total assets

€330k▲ 5.2%

2024 · €313k

2022: €324k 2023: €320k 2024: €313k

2022 → 2025

Net result

€-5k

2024 · €694

2022: €6k 2023: €-6k 2024: €694

2022 → 2025

Working capital

€76k▼ 10.3%

2024 · €85k

2022: €84k 2023: €90k 2024: €85k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€7k-€1k▼ 81.8%€2k▲ 54.1%€-3k

Operating result€-2k-€-6k▼ 233%€3k€-4k

Net result€6k-€-6k€694€-5k

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 2025: a loss of €4k after €3k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €330k

46.8%

53.2%

Fixed assets €154k▼ 6.4%

Current assets €175k▲ 18.2%

Key figures and ratios

2025 value · change against 2024

EBITDA

€7k▼

2024 · €15k

Cash flow

€7k▼

2024 · €12k

Solvency

-0.8%▼

2024 · 0.6%

Current ratio

1.77▼

2024 · 2.34

Quick ratio

0.09▼

2024 · 0.21

ROA

-1.4%▼

2024 · 0.2%

Interest coverage

5.32▲

2024 · 3.51

Debt

€332k▲

2024 · €312k

Debt ≤ 1 year

€99k▲

2024 · €63k

Debt > 1 year

€233k▼

2024 · €248k

A ratio outside any meaningful range has been withheld (balance sheet total €330k, equity €-3k).

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€313k€330k▲

Formation expenses20€241€48▼

Fixed assets21/28€165k€154k▼

Tangible fixed assets22/27€165k€154k▼

Land and buildings22€126k€122k▼

Plant, machinery and equipment23€37k€32k▼

Furniture and vehicles24€2k€660▼

Current assets29/58€148k€175k▲

Stocks and contracts in progress3€135k€167k▲

Stocks30/36€135k€167k▲

Amounts receivable within one year40/41€8k€6k▼

Trade receivables40€8k€6k▼

Cash at bank and in hand54/58€5k€3k▼

Equity and liabilities

Total equity and liabilities10/49€313k€330k▲

Equity10/15€2k€-3k▼

Contributions10/11€1k€1k=

Profit (loss) carried forward14€977€-4k▼

Amounts payable17/49€312k€332k▲

Amounts payable after more than one year17€248k€233k▼

Financial debts170/4€248k€233k▼

Amounts payable within one year42/48€63k€99k▲

Current portion of amounts payable after more than one year42€10k€8k▼

Trade debts44€24k€11k▼

Suppliers440/4€24k€11k▼

Taxes, remuneration and social security45€1k€2k▲

Taxes450/3€1k€2k▲

Other amounts payable47/48€28k€78k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲

Other operating charges640/8€2k€2k▲

Gross operating margin9900€17k€9k▼

Operating profit (loss)9901€3k€-4k▼

Financial income75/76B€2k€1k▼

Recurring financial income75€2k€1k▼

Financial charges65/66B€4k€1k▼

Recurring financial charges65€4k€1k▼

Profit (loss) for the period before taxes9903€694€-5k▼

Profit (loss) for the period9904€694€-5k▼

Profit (loss) for the period to be appropriated9905€694€-5k▼

Appropriation of the result

Profit (loss) to be appropriated9906€977€-4k▼

Profit (loss) brought forward from the previous period14P€282€977▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

Next filing, fiscal year 2026, expected by 31-10-2026

2025

31-10

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2024

28-11

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 28 days late

31-03

Financial Back to profitnet €694

Net result €694 after one loss-making year.

2023

31-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

31-03

Financial Weakest financial yearnet €-6k ▼195%

Net result drops to €-6k, the lowest in the series; recovery starts the following year.

2022

31-10

NBB filing Annual accounts filed

fiscal year 2022 · 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, Tienen · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Aarschotsesteenweg(VSN) 4413300 Tienen

Ground area

868 m²

Building footprint

128 m²

Parcel 24113E0098/00K000, Flanders. Linked by address, not a title deed.

1 establishment unit

FIDELLE

Aarschotsesteenweg(VSN) 441, 3300 TienenRetail sale of women's outerwear

since 20202.305.199.060

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24113E0098/00K000	Flanders	868 m²	1 · 128 m²	0.0 m

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.

Public money · subsidies and aid

Flemish government

2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid

Year	Entries	awarded	paid
2022	1	2,000 EUR	2,000 EUR

Schemes

Hinderpremie bij openbare werken

1 entry · 2,000 EUR · 2,000 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site

Tienen2.305.199.060

2 permissions

Toelating · Eetgelegenheid · since 31-08-2020

Drankgelegenheid · since 02-07-2020

Similar companies · same sector, comparable size

Of 6,501 companies in sector 47716 we hold annual accounts for 2,440. 528 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded02-07-2020

Fiscal year end31-03

Activities, NACEBEL

47716Retail sale of clothing and accessories for women, men, children and babies (general range)

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 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.