FIDELO
ActiveSummary
FIDELO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €72,795 and a net result of €3,559. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 56% of 20786 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability73▼-19
Solvency93▲+13
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 2.42 against 1.57 in 2023; short-term debt: 24.1% and cash: 31.3% of total assets), and 32.4% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2024Solvency, return and age of the figures
Solvency
67.6%
Return on assets
3.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
9 d early
2022
7 d early
2021
31 d early
2020
3 d early
2019
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 15 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€72,795▲ 5.1%
2023 · €69,236
Total assets
€107,672▼ 14.8%
2023 · €126,384
Net result
€3,559▼ 85.0%
2023 · €23,686
Working capital
€36,827▲ 14.0%
2023 · €32,317
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related 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
Line20202021202220232024
Operating result€15,784▼ 5.3%€14,196▼ 10.1%€13,611▼ 4.1%€38,797▲ 185%€7,392▼ 80.9%
Net result€10,421within the sector's middle half▼ 8.6%€8,945within the sector's middle half▼ 14.2%€6,957within the sector's middle half▼ 22.2%€23,686within the sector's middle half▲ 240%€3,559below the sector's middle half▼ 85.0%
Equity€51,774within the sector's middle half▲ 22.8%€59,919within the sector's middle half▲ 15.7%€66,076within the sector's middle half▲ 10.3%€69,236within the sector's middle half▲ 4.8%€72,795within the sector's middle half▲ 5.1%
Total assets€70,115within the sector's middle half▲ 18.5%€98,377within the sector's middle half▲ 40.3%€103,642within the sector's middle half▲ 5.4%€126,384within the sector's middle half▲ 21.9%€107,672within the sector's middle half▼ 14.8%
Debt€18,341▲ 7.7%€38,458▲ 110%€37,566▼ 2.3%€57,148▲ 52.1%€34,877▼ 39.0%
Working capital€46,132within the sector's middle half▲ 55.5%€27,440within the sector's middle half▼ 40.5%€41,125within the sector's middle half▲ 49.9%€32,317within the sector's middle half▼ 21.4%€36,827within the sector's middle half▲ 14.0%
Solvency73.8%within the sector's middle half▲ 2.6pp60.9%within the sector's middle half▼ 12.9pp63.8%within the sector's middle half▲ 2.8pp54.8%within the sector's middle half▼ 9.0pp67.6%within the sector's middle half▲ 12.8pp
Current ratio3.52within the sector's middle half▲ 0.771.99within the sector's middle half▼ 1.532.53within the sector's middle half▲ 0.541.57within the sector's middle half▼ 0.962.42within the sector's middle half▲ 0.85
Return on assets (ROA)14.9%within the sector's middle half▼ 4.4pp9.1%within the sector's middle half▼ 5.8pp6.7%within the sector's middle half▼ 2.4pp18.7%within the sector's middle half▲ 12.0pp3.3%below the sector's middle half▼ 15.4pp
Staff (FTE)1.74
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 81% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €107,672
Fixed assets
€44,892 ▲ 21.6%
Current assets
€62,780 ▼ 29.8%
Equity and liabilities €107,672
Equity
€72,795 ▲ 5.1%
Debt
€34,877 ▼ 39.0%
Debt's share of the balance-sheet total falls from 45.2% to 32.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17,592▼
2023 · €46,941
Cash flow
€13,759▼
2023 · €31,830
Debt to equity
0.48▼
2023 · 0.83
ROE
4.9%▼
2023 · 34.2%
Interest coverage
29.13▼
2023 · 88.90
Debt ≤ 1 year
€25,953▼
2023 · €57,148
Debt > 1 year
€8,924
Income taxes
€3,301▼
2023 · €14,623
Staff costs
€71,959▼
2023 · €75,677
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.6%
went bankrupt
4.0%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 10,905 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €50,934 | €57,616 | €75,677 | €71,959 | ▼ 4.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,843 | €6,174 | €7,528 | €8,144 | €10,200 | ▲ 25.2% |
| Other operating charges640/8 | - | €22,714 | €16,971 | €16,665 | €1,414 | ▼ 91.5% |
| Gross operating margin9900 | €53,271 | €94,018 | €95,726 | €139,283 | €90,965 | ▼ 34.7% |
| Operating profit (loss)9901 | €15,784 | €14,196 | €13,611 | €38,797 | €7,392 | ▼ 80.9% |
| Financial income75/76B | - | - | €7 | €40 | €72 | ▲ 80.0% |
| Recurring financial income75 | - | - | €7 | €40 | €72 | ▲ 80.0% |
| Financial charges65/66B | - | €390 | €400 | €528 | €604 | ▲ 14.4% |
| Recurring financial charges65 | €59 | €390 | €400 | €528 | €604 | ▲ 14.4% |
| Profit (loss) for the period before taxes9903 | €15,725 | €13,806 | €13,218 | €38,309 | €6,860 | ▼ 82.1% |
| Income taxes67/77 | €5,304 | €4,861 | €6,261 | €14,623 | €3,301 | ▼ 77.4% |
| Profit (loss) for the period9904 | €10,421 | €8,945 | €6,957 | €23,686 | €3,559 | ▼ 85.0% |
| Profit (loss) for the period to be appropriated9905 | €10,421 | €8,945 | €6,957 | €23,686 | €3,559 | ▼ 85.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €70,115 | €98,377 | €103,642 | €126,384 | €107,672 | ▼ 14.8% |
| Fixed assets21/28 | €5,642 | €43,107 | €35,579 | €36,919 | €44,892 | ▲ 21.6% |
| Intangible fixed assets21 | - | €18,600 | €15,800 | €13,000 | €10,200 | ▼ 21.5% |
| Tangible fixed assets22/27 | €3,945 | €22,810 | €18,082 | €16,722 | €27,495 | ▲ 64.4% |
| Furniture and vehicles24 | - | €22,810 | €18,082 | €16,722 | €27,495 | ▲ 64.4% |
| Financial fixed assets28 | €1,697 | €1,697 | €1,697 | €7,197 | €7,197 | = |
| Current assets29/58 | €64,473 | €55,270 | €68,063 | €89,465 | €62,780 | ▼ 29.8% |
| Amounts receivable within one year40/41 | €12,367 | €18,805 | €16,454 | €69,186 | €29,075 | ▼ 58.0% |
| Trade receivables40 | - | €17,066 | €16,454 | €69,186 | €25,594 | ▼ 63.0% |
| Other amounts receivable41 | - | €1,739 | - | - | €3,481 | - |
| Cash at bank and in hand54/58 | €52,106 | €36,465 | €51,609 | €20,279 | €33,705 | ▲ 66.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €70,115 | €98,377 | €103,642 | €126,384 | €107,672 | ▼ 14.8% |
| Equity10/15 | €51,774 | €59,919 | €66,076 | €69,236 | €72,795 | ▲ 5.1% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €45,574 | €53,719 | €59,876 | €63,036 | €66,595 | ▲ 5.6% |
| Distributable reserves133 | - | €53,719 | €59,876 | €63,036 | €66,595 | ▲ 5.6% |
| Amounts payable17/49 | €18,341 | €38,458 | €37,566 | €57,148 | €34,877 | ▼ 39.0% |
| Amounts payable after more than one year17 | - | €10,628 | €10,628 | - | €8,924 | - |
| Financial debts170/4 | - | €10,628 | €10,628 | - | €8,924 | - |
| Amounts payable within one year42/48 | €18,341 | €27,830 | €26,938 | €57,148 | €25,953 | ▼ 54.6% |
| Current portion of amounts payable after more than one year42 | - | €6,629 | - | €3,934 | €4,880 | ▲ 24.0% |
| Trade debts44 | €1,460 | €1,043 | €5,774 | €16,043 | €2,719 | ▼ 83.1% |
| Suppliers440/4 | - | €1,043 | €5,774 | €16,043 | €2,719 | ▼ 83.1% |
| Taxes, remuneration and social security45 | - | €17,104 | €19,869 | €30,525 | €13,494 | ▼ 55.8% |
| Taxes450/3 | - | €6,520 | €10,303 | €24,941 | €6,186 | ▼ 75.2% |
| Remuneration and social security454/9 | - | €10,584 | €9,566 | €5,584 | €7,308 | ▲ 30.9% |
| Other amounts payable47/48 | - | €3,054 | €1,295 | €6,646 | €4,860 | ▼ 26.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,421 | €8,945 | €6,957 | €23,686 | €3,559 | ▼ 85.0% |
| + Depreciation and write-downs630 | €6,843 | €6,174 | €7,528 | €8,144 | €10,200 | ▲ 25.2% |
| Operating cash flow (approximation) | €17,264 | €15,119 | €14,485 | €31,830 | €13,759 | ▼ 56.8% |
| Investment in fixed assets (approximation) | - | -€43,639 | €0 | -€9,484 | -€18,173 | ▼ 91.6% |
| Change in cash | - | -€15,641 | €15,144 | -€31,330 | €13,426 | ▲ 143% |
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
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €3,559 ▼85%
Net result drops to €3,559, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €23,686 ▲240%
Operating result €38,797, net result €23,686, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Gembloux · 1 establishment unit since 2016
Ground area
5,663 m²
Building footprint
321 m²
Volume, LiDAR
2,639 m³
Parcel 92065B0052/00T000, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FIDELO
since 20162.255.665.615
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92065B0052/00T000 | Wallonia | 5,663 m² | 1 · 321 m² | 9.2 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.
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Of 16,911 companies in sector 62100 we hold annual accounts for 8,787. 6,939 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
Founded05-08-2016
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0660739056
Also
9925:BE0660739056
Registered
20-08-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.