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FIDEMAT

Active
Private limited companyfounded 20224 yrs activeBansions(SART) 9135, 4845 Jalhay, BelgiumKBO/BCE: BE 0782.443.174
Summary

The computed 12-month bankruptcy probability of FIDEMAT is 2.6% (moderate). The 2025 annual accounts show equity of €3,850 and a net result of €87,842. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability52▲+52
Solvency25▼-75
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.0; short-term debt: 99.7% and cash: 0% of total assets), and 99.8% of the assets are financed with debt.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
0.2%
Return on assets
5.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 2025
Equity per financial year
22232425
2022 to 2025 · latest year €3,850
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 19-04-2026, 103 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
103 d early
2024
31 d early
2023
17 d late
2022
29 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 4 accounts on average 22 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
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

On 22 February 2022, FIDEMAT was incorporated as a Private limited company.1 Total assets went from EUR 3,718 in 2022 to EUR 1.6 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€3,850▲ 49,515%
2024 · €8
Total assets
€1.6m▲ 20,118,327%
2024 · €8
Net result
€87,842
2024 · -€2,661
Working capital
€5,007▲ 87.6%
2023 · €2,669
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
Line2022202320242025
Operating result-€1,343-€2,102-€2,445€113,042
Net result-€1,382-€2,050-€2,661€87,842
Equity€618-€2,669▲ 332%€8▼ 99.7%€3,850▲ 49,515%
Total assets€3,718-€6,575▲ 76.8%€8▼ 99.9%€1.6m▲ 20,118,327%
Debt€3,100-€3,906▲ 26.0%€1.6m
Working capital-€2,204-€2,669€5,007
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€50,000€0€50,000€100,000Operating result 2022: -€1,343-€1,343Net result 2022: -€1,382-€1,382Operating result 2023: €2,102€2,102Net result 2023: €2,050€2,050Operating result 2024: -€2,445-€2,445Net result 2024: -€2,661-€2,661Operating result 2025: €113,042€113,042Net result 2025: €87,842€87,8422022202320242025-€50,000€0€50,000€100,000Operating result 2023: €2,102€2,100Net result 2023: €2,050€2,050Operating result 2024: -€2,445-€2,450Net result 2024: -€2,661-€2,660Operating result 2025: €113,042€113,000Net result 2025: €87,842€87,800202320242025
The operating result returns to profit in 2025: €113,042 after a loss of €2,445 in 2024, the highest result in the available series.
Balance-sheet composition
Equity and liabilities €1.6m
Equity €3,850
Debt €1.6m
Debt finances 99.8% of the balance-sheet total.
Key figures and ratios
2025 value · change against 2024
Current ratio
1.00
Quick ratio
0.35
ROA
5.6%
Debt ≤ 1 year
€1.6m
Income taxes
€25,200
A ratio outside any meaningful range has been withheld (balance sheet total €1.6m, equity €3,850).

Peer companies

Historical observation

Of the 513 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 96% are still going.

  • Small
  • 2 to 5 years old
  • solvency under 10%
  • a profit of 5% of the balance sheet or more
1.9% went bankrupt
1.4% 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 higher bankruptcy probability: 2.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

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%.

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% 1.7%
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 513 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 · 2025 against 2024 · 34 lines
Balance sheet Code20242025
Assets
Total assets20/58€8€1.6m▲
Current assets29/58€8€1.6m▲
Stocks and contracts in progress3-€1.0m
Stocks30/36-€1.0m
Cash at bank and in hand54/58€8€179▲
Deferred charges and accrued income490/1-€537,475
Equity and liabilities
Total equity and liabilities10/49€8€1.6m▲
Equity10/15€8€3,850▲
Contributions10/11€2,000€2,000=
Profit (loss) carried forward14-€1,992€1,850▲
Amounts payable17/49-€1.6m
Amounts payable within one year42/48-€1.6m
Financial debts43-€480,000
Credit institutions430/8-€480,000
Trade debts44-€30,573
Suppliers440/4-€30,573
Taxes, remuneration and social security45-€25,200
Taxes450/3-€25,200
Other amounts payable47/48-€1.0m
Accrued charges and deferred income492/3-€1,157
Income statement Code20242025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2,305-
Other operating charges640/8€487€822▲
Gross operating margin9900€346€113,865▲
Operating profit (loss)9901-€2,445€113,042▲
Financial charges65/66B€216-
Recurring financial charges65€216-
Profit (loss) for the period before taxes9903-€2,661€113,042▲
Income taxes67/77-€25,200
Profit (loss) for the period9904-€2,661€87,842▲
Profit (loss) for the period to be appropriated9905-€2,661€87,842▲
Appropriation of the result
Profit (loss) to be appropriated9906-€1,992€85,850▲
Profit (loss) brought forward from the previous period14P€669-€1,992▼
Profit to be distributed694/7-€84,000
Return on contributions (dividend)694-€84,000

The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4--€2,305--
Other operating charges640/8-€64€487€822▲ 69.0%
Gross operating margin9900-€1,343€2,166€346€113,865▲ 32,777%
Operating profit (loss)9901-€1,343€2,102-€2,445€113,042▲ 4,723%
Financial charges65/66B€39€52€216--
Recurring financial charges65€39€52€216--
Profit (loss) for the period before taxes9903-€1,382€2,050-€2,661€113,042▲ 4,348%
Income taxes67/77---€25,200-
Profit (loss) for the period9904-€1,382€2,050-€2,661€87,842▲ 3,401%
Profit (loss) for the period to be appropriated9905-€1,382€2,050-€2,661€87,842▲ 3,401%
Line2022202320242025Change
Assets
Total assets20/58€3,718€6,575€8€1.6m▲ 20,118,327%
Fixed assets21/28€2,823----
Tangible fixed assets22/27€2,823----
Furniture and vehicles24€2,823----
Current assets29/58€896€6,575€8€1.6m▲ 20,118,327%
Stocks and contracts in progress3---€1.0m-
Stocks30/36---€1.0m-
Amounts receivable within one year40/41€593€5,612---
Trade receivables40-€5,612---
Other amounts receivable41€593----
Cash at bank and in hand54/58€303€963€8€179▲ 2,202%
Deferred charges and accrued income490/1---€537,475-
Equity and liabilities
Total equity and liabilities10/49€3,718€6,575€8€1.6m▲ 20,118,327%
Equity10/15€618€2,669€8€3,850▲ 49,515%
Contributions10/11€2,000€2,000€2,000€2,000=
Profit (loss) carried forward14-€1,382€669-€1,992€1,850▲ 193%
Amounts payable17/49€3,100€3,906-€1.6m-
Amounts payable within one year42/48€3,100€3,906-€1.6m-
Financial debts43---€480,000-
Credit institutions430/8---€480,000-
Trade debts44-€303-€30,573-
Suppliers440/4-€303-€30,573-
Taxes, remuneration and social security45-€503-€25,200-
Taxes450/3-€503-€25,200-
Other amounts payable47/48€3,100€3,100-€1.0m-
Accrued charges and deferred income492/3---€1,157-
Line2022202320242025Change
Profit (loss) for the period9904-€1,382€2,050-€2,661€87,842▲ 3,401%
Operating cash flow (approximation)-€1,382€2,050-€2,661€87,842▲ 3,401%
Change in cash-€660-€955€171▲ 118%

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

Next filing, fiscal year 2026, expected by 31-07-2027
2026
19-04
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Back to profitnet €87,842
Net result €87,842 after one loss-making year.
30-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Weakest financial yearnet -€2,661
Net result drops to -€2,661, the lowest in the series; recovery starts the following year.
17-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 17 days late
2023
31-12
Financial Back to profitnet €2,050
Net result €2,050 after one loss-making year.
31-12
Financial Liquidity times 6current ratio 1.68
Current ratio from 0.29 to 1.68.
29-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 29 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, Jalhay · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
7,297 m²
Building footprint
534 m²
Volume, LiDAR
4,199 m³
2 parcels, Wallonia · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue En Bois 9, 4040 Herstal
Real estate development
since 20222.328.965.842
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63068A0988/00F000 Wallonia 6,434 m² 1 · 351 m² 12.5 m · 3 fl.
62312A0624/00S009 Wallonia 863 m² 1 · 182 m² 7.9 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.

Identification & contact

Identification
Legal formPrivate limited company
Founded22-02-2022
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 27 September 2026 · Peppol Directory

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