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Fidemas

Active
Private limited companyfounded 20224 yrs activeBeekstraat 11, 8020 Oostkamp, BelgiumKBO/BCE: BE 0781.403.987
Summary

Fidemas has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €111,060 and a net result of €59,709. Its solvency ranks better than 38% of 37948 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2024
Axes · tick = 2023
Profitability98▼-2
Solvency69▲+11
Growth78
Track record94
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 1.69 against 0.76 in 2023; short-term debt: 33.8% and cash: 9.6% of total assets), but 56.1% of the assets are financed with debt.
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Signals

Three 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · 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
highest failure risk from 2 to 8 years 4 years 0 10 y
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filings
Deviation from the deadline
2025
not confirmed
2024
28 d late
2023
28 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 28 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (1)
neutral · 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

History

Fidemas was incorporated on 31 January 2022 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

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Financials · fiscal year 2024, micro schema

Equity
€111,060▲ 113%
2023 · €52,210
Total assets
€252,756▲ 62.1%
2023 · €155,964
Net result
€59,709▲ 17.0%
2023 · €51,043
Working capital
€58,912
2023 · -€24,691
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20232024
Operating result€76,645-€83,311▲ 8.7%
Net result€51,043-€59,709▲ 17.0%
Equity€52,210-€111,060▲ 113%
Total assets€155,964-€252,756▲ 62.1%
Debt€103,754-€141,696▲ 36.6%
Working capital-€24,691-€58,912
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€25,000€50,000€75,000Operating result 2023: €76,645€76,645Net result 2023: €51,043€51,043Operating result 2024: €83,311€83,311Net result 2024: €59,709€59,70920232024€0€25,000€50,000€75,000Operating result 2023: €76,645€76,600Net result 2023: €51,043€51,000Operating result 2024: €83,311€83,300Net result 2024: €59,709€59,70020232024
The operating result rises in 2024; 2024 is 9% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €252,756
Fixed assets €108,318 ▲ 40.9%
Current assets €144,438 ▲ 82.7%
Equity and liabilities €252,756
Equity €111,060 ▲ 113%
Debt €141,696 ▲ 36.6%
Debt's share of the balance-sheet total falls from 66.5% to 56.1%. Equity and debt are higher.
Key figures and ratios
2024 value · change against 2023
EBITDA
€83,765▲
2023 · €77,860
Cash flow
€60,164▲
2023 · €52,257
Current ratio
1.69▲
2023 · 0.76
Debt to equity
1.28▼
2023 · 1.99
ROE
53.8%▼
2023 · 97.8%
ROA
23.6%▼
2023 · 32.7%
Interest coverage
18.47▼
2023 · 173021.11
Debt ≤ 1 year
€85,526▼
2023 · €103,754
Debt > 1 year
€52,000
Income taxes
€21,860▼
2023 · €27,141
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.4% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.6%
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 74% 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 39,275 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 44 lines
Balance sheet Code20232024
Assets
Total assets20/58€155,964€252,756▲
Fixed assets21/28€76,901€108,318▲
Tangible fixed assets22/27€1,273€818▼
Furniture and vehicles24€1,273€818▼
Financial fixed assets28€75,628€107,500▲
Current assets29/58€79,063€144,438▲
Amounts receivable within one year40/41€64,048€117,071▲
Trade receivables40€1€0▼
Other amounts receivable41€64,048€117,071▲
Cash at bank and in hand54/58€13,001€24,206▲
Deferred charges and accrued income490/1€2,014€3,161▲
Equity and liabilities
Total equity and liabilities10/49€155,964€252,756▲
Equity10/15€52,210€111,060▲
Contributions10/11€2,000€2,000=
Reserves13€50,210€109,060▲
Distributable reserves133€50,210€109,060▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€103,754€141,696▲
Amounts payable after more than one year17-€52,000
Financial debts170/4-€52,000
Amounts payable within one year42/48€103,754€85,526▼
Trade debts44€809€575▼
Suppliers440/4€809€575▼
Taxes, remuneration and social security45€34,720€58,017▲
Taxes450/3€34,720€58,017▲
Other amounts payable47/48€68,225€26,934▼
Accrued charges and deferred income492/3-€4,170
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,214€455▼
Other operating charges640/8€1,860€610▼
Gross operating margin9900€79,719€84,376▲
Operating profit (loss)9901€76,645€83,311▲
Financial income75/76B€1,539€2,793▲
Recurring financial income75€1,539€2,793▲
Financial charges65/66B€0€4,534▲
Recurring financial charges65€0€4,534▲
Profit (loss) for the period before taxes9903€78,184€81,570▲
Income taxes67/77€27,141€21,860▼
Profit (loss) for the period9904€51,043€59,709▲
Profit (loss) for the period to be appropriated9905€51,043€59,709▲
Appropriation of the result
Profit (loss) to be appropriated9906€51,043€59,709▲
Transfer to equity691/2€50,210€58,850▲
To other reserves6921€50,210€58,850▲
Profit to be distributed694/7€833€859▲
Return on contributions (dividend)694€833€859▲

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,214€455▼ 62.6%
Other operating charges640/8€1,860€610▼ 67.2%
Gross operating margin9900€79,719€84,376▲ 5.8%
Operating profit (loss)9901€76,645€83,311▲ 8.7%
Financial income75/76B€1,539€2,793▲ 81.5%
Recurring financial income75€1,539€2,793▲ 81.5%
Financial charges65/66B€0€4,534▲ 1,007,542%
Recurring financial charges65€0€4,534▲ 1,007,542%
Profit (loss) for the period before taxes9903€78,184€81,570▲ 4.3%
Income taxes67/77€27,141€21,860▼ 19.5%
Profit (loss) for the period9904€51,043€59,709▲ 17.0%
Profit (loss) for the period to be appropriated9905€51,043€59,709▲ 17.0%
Line20232024Change
Assets
Total assets20/58€155,964€252,756▲ 62.1%
Fixed assets21/28€76,901€108,318▲ 40.9%
Tangible fixed assets22/27€1,273€818▼ 35.7%
Furniture and vehicles24€1,273€818▼ 35.7%
Financial fixed assets28€75,628€107,500▲ 42.1%
Current assets29/58€79,063€144,438▲ 82.7%
Amounts receivable within one year40/41€64,048€117,071▲ 82.8%
Trade receivables40€1€0▼ 100%
Other amounts receivable41€64,048€117,071▲ 82.8%
Cash at bank and in hand54/58€13,001€24,206▲ 86.2%
Deferred charges and accrued income490/1€2,014€3,161▲ 57.0%
Equity and liabilities
Total equity and liabilities10/49€155,964€252,756▲ 62.1%
Equity10/15€52,210€111,060▲ 113%
Contributions10/11€2,000€2,000=
Reserves13€50,210€109,060▲ 117%
Distributable reserves133€50,210€109,060▲ 117%
Profit (loss) carried forward14€0€0-
Amounts payable17/49€103,754€141,696▲ 36.6%
Amounts payable after more than one year17-€52,000-
Financial debts170/4-€52,000-
Amounts payable within one year42/48€103,754€85,526▼ 17.6%
Trade debts44€809€575▼ 28.9%
Suppliers440/4€809€575▼ 28.9%
Taxes, remuneration and social security45€34,720€58,017▲ 67.1%
Taxes450/3€34,720€58,017▲ 67.1%
Other amounts payable47/48€68,225€26,934▼ 60.5%
Accrued charges and deferred income492/3-€4,170-
Line20232024Change
Profit (loss) for the period9904€51,043€59,709▲ 17.0%
+ Depreciation and write-downs630€1,214€455▼ 62.6%
Operating cash flow (approximation)€52,257€60,164▲ 15.1%
Investment in fixed assets (approximation)--€31,872-
Change in cash-€11,205-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
28-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial Liquidity doublescurrent ratio 1.69
Current ratio from 0.76 to 1.69; short-term debt falls from €103,754 to €85,526.
31-12
Financial Equity above €100,000Eq €111,060 ▲113%
2 profitable years in a row build equity to €111,060.
28-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 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
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, Oostkamp · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
5,135 m²
Building footprint
319 m²
Volume, LiDAR
2,005 m³
2 parcels, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Fidemas
Lijsterbessendreef 1B, 8020 OostkampFinancial service activities, except insurance and pension funding
since 20222.328.495.094
2 parcels
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
31403G0543/00M000 Flanders 4,848 m² 1 · 267 m² 10.5 m · 2 fl.
31037A0063/00A002 Flanders 287 m² 1 · 52 m² 9.7 m · 2 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 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

1 holding

Owners 0

The accounts to 31-12-2024 list no shareholders, and no other source names one.

Holdings 1

According to the 2024 annual accounts of Fidemas and those 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 · 1 entry · 210 EUR awarded · 210 EUR paid
Year Entries awardedpaid
2022 1 210 EUR210 EUR
Schemes
1 entry · 210 EUR · 210 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Of 82,642 companies in sector 70200 we hold annual accounts for 52,590. 40,769 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
Founded31-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
70100Activities of head offices
E-invoicing
Reachable via Peppol
Peppol ID 0208:0781403987
Also 9925:BE0781403987
Registered 03-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.