FIDEQUAL
ActiveSummary
FIDEQUAL has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €153,387 and a net result of -€7,720. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 44% of 9527 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability11▼-64
Solvency69▼-3
Growth22=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.09 against 0.19 in 2023; short-term debt: 42.4% and cash: 1.7% of total assets), and 56.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
43.7%
Return on assets
-2.2%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€7,720
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-12-2025, 140 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
140 d late
2023
512 d late
2022
121 d late
2021
92 d late
2020
130 d late
2019
196 d late
← 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 199 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€4,700▼ 42.0%
2023 · €8,100
EBIT margin
-191.0%▼ 144.9pp
2023 · -46.1%
Net result
-€7,720▼ 271%
2023 · -€2,083
Working capital
-€134,820▼ 25.6%
2023 · -€107,348
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support 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
Turnover€2,600€21,372€8,100▼ 62.1%€4,700▼ 42.0%
Operating result-€11,584-€47▲ 99.6%-€4,206▼ 8,884%-€3,735▲ 11.2%-€8,978▼ 140%
Net result-€7,606below the sector's middle half€917within the sector's middle half-€3,183below the sector's middle half-€2,083below the sector's middle half▲ 34.6%-€7,720below the sector's middle half▼ 271%
EBIT margin-445.5%-19.7%-46.1%▼ 26.4pp-191.0%▼ 144.9pp
Equity€165,457above the sector's middle half▼ 4.4%€166,373above the sector's middle half▲ 0.6%€163,191above the sector's middle half▼ 1.9%€161,108within the sector's middle half▼ 1.3%€153,387within the sector's middle half▼ 4.8%
Total assets€245,235within the sector's middle half▲ 7.1%€219,832within the sector's middle half▼ 10.4%€218,256within the sector's middle half▼ 0.7%€344,356within the sector's middle half▲ 57.8%€350,699within the sector's middle half▲ 1.8%
Debt€27,142▲ 1,736%€1,578▼ 94.2%€4,021▲ 155%€133,251▲ 3,214%€148,686▲ 11.6%
Working capital-€18,379below the sector's middle half€24,552within the sector's middle half€17,753within the sector's middle half▼ 27.7%-€107,348below the sector's middle half-€134,820below the sector's middle half▼ 25.6%
Solvency67.5%within the sector's middle half▼ 8.1pp75.7%above the sector's middle half▲ 8.2pp74.8%above the sector's middle half▼ 0.9pp46.8%within the sector's middle half▼ 28.0pp43.7%within the sector's middle half▼ 3.0pp
Current ratio0.32below the sector's middle half▼ 5.1916.55above the sector's middle half▲ 16.235.42above the sector's middle half▼ 11.140.19below the sector's middle half▼ 5.220.09below the sector's middle half▼ 0.10
Return on assets (ROA)-3.1%below the sector's middle half▼ 62.2pp0.4%within the sector's middle half▲ 3.5pp-1.5%below the sector's middle half▼ 1.9pp-0.6%below the sector's middle half▲ 0.9pp-2.2%below the sector's middle half▼ 1.6pp
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support 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 stays negative: a loss of €8,978 in 2024 against €3,735 in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €350,699
Fixed assets
€336,833 ▲ 5.8%
Current assets
€13,866 ▼ 46.5%
Equity and liabilities €350,699
Equity
€153,387 ▼ 4.8%
Provisions
€48,626 ▼ 2.7%
Debt
€148,686 ▲ 11.6%
Debt's share of the balance-sheet total rises from 38.7% to 42.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€1,106▼
2023 · €1,424
Cash flow
€151▼
2023 · €3,076
Debt to equity
0.97▲
2023 · 0.83
ROE
-5.0%▼
2023 · -1.3%
Interest coverage
-9.73▼
2023 · 12.13
Debt ≤ 1 year
€148,686▲
2023 · €133,251
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% 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 497,662 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 12,321 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €2,600 | - | €21,372 | €8,100 | €4,700 | ▼ 42.0% |
| Non-recurring operating income76A | - | €25,020 | €15,100 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €17,725 | €19,589 | €19,293 | €11,614 | ▼ 39.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,003 | €4,155 | €4,551 | €5,159 | €7,871 | ▲ 52.6% |
| Other operating charges640/8 | - | €3,187 | €16,538 | €10,139 | €10,822 | ▲ 6.7% |
| Gross operating margin9900 | -€3,349 | €7,295 | €16,883 | €11,563 | €9,716 | ▼ 16.0% |
| Operating profit (loss)9901 | -€11,584 | -€47 | -€4,206 | -€3,735 | -€8,978 | ▼ 140% |
| Financial income75/76B | - | €1,860 | €1,860 | €1,860 | - | - |
| Recurring financial income75 | €3,064 | €1,860 | €1,860 | €1,860 | - | - |
| Financial charges65/66B | - | €294 | €205 | €117 | €114 | ▼ 3.1% |
| Recurring financial charges65 | €1,231 | €294 | €205 | €117 | €114 | ▼ 3.1% |
| Profit (loss) for the period before taxes9903 | -€9,751 | €1,519 | -€2,551 | -€1,992 | -€9,091 | ▼ 356% |
| Transfer from deferred taxes780 | - | €756 | €835 | €1,048 | €1,371 | ▲ 30.8% |
| Income taxes67/77 | -€390 | €1,359 | €1,467 | €1,139 | - | - |
| Profit (loss) for the period9904 | -€7,606 | €917 | -€3,183 | -€2,083 | -€7,720 | ▼ 271% |
| Transfer from tax-exempt reserves789 | - | €1,801 | €2,506 | €3,144 | €4,113 | ▲ 30.8% |
| Profit (loss) for the period to be appropriated9905 | -€3,429 | €2,717 | -€676 | €1,061 | -€3,607 | ▼ 440% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €245,235 | €219,832 | €218,256 | €344,356 | €350,699 | ▲ 1.8% |
| Fixed assets21/28 | €236,472 | €193,701 | €196,482 | €318,453 | €336,833 | ▲ 5.8% |
| Tangible fixed assets22/27 | €125,472 | €131,701 | €134,482 | €256,453 | €274,833 | ▲ 7.2% |
| Land and buildings22 | - | €131,036 | €134,356 | €256,453 | €274,833 | ▲ 7.2% |
| Furniture and vehicles24 | - | €666 | €126 | - | - | - |
| Financial fixed assets28 | €111,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Current assets29/58 | €8,762 | €26,130 | €21,773 | €25,903 | €13,866 | ▼ 46.5% |
| Amounts receivable within one year40/41 | €6,875 | €25,147 | €19,055 | €22,466 | €7,963 | ▼ 64.6% |
| Trade receivables40 | - | €16,200 | €13,505 | €22,466 | €7,963 | ▼ 64.6% |
| Other amounts receivable41 | - | €8,947 | €5,550 | - | - | - |
| Cash at bank and in hand54/58 | €1,887 | €984 | €2,718 | €3,437 | €5,903 | ▲ 71.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €245,235 | €219,832 | €218,256 | €344,356 | €350,699 | ▲ 1.8% |
| Equity10/15 | €165,457 | €166,373 | €163,191 | €161,108 | €153,387 | ▼ 4.8% |
| Contributions10/11 | €24,789 | €24,789 | €24,789 | €24,789 | €24,789 | = |
| Capital10 | - | €24,789 | €24,789 | €24,789 | €24,789 | = |
| Issued capital100 | - | €24,789 | €24,789 | €24,789 | €24,789 | = |
| Reserves13 | €133,087 | €131,286 | €128,780 | €125,636 | €121,523 | ▼ 3.3% |
| Tax-exempt reserves132 | - | €131,286 | €128,780 | €125,636 | €121,523 | ▼ 3.3% |
| Profit (loss) carried forward14 | €7,580 | €10,298 | €9,622 | €10,683 | €7,076 | ▼ 33.8% |
| Provisions and deferred taxes16 | €52,637 | €51,880 | €51,045 | €49,997 | €48,626 | ▼ 2.7% |
| Deferred taxes168 | - | €51,880 | €51,045 | €49,997 | €48,626 | ▼ 2.7% |
| Amounts payable17/49 | €27,142 | €1,578 | €4,021 | €133,251 | €148,686 | ▲ 11.6% |
| Amounts payable within one year42/48 | €27,142 | €1,578 | €4,021 | €133,251 | €148,686 | ▲ 11.6% |
| Trade debts44 | €42 | - | €1,597 | €309 | €321 | ▲ 3.7% |
| Suppliers440/4 | - | - | €1,597 | €309 | €321 | ▲ 3.7% |
| Taxes, remuneration and social security45 | - | €1,359 | €2,393 | €4,368 | €1,814 | ▼ 58.5% |
| Taxes450/3 | - | €1,359 | €2,393 | €4,368 | €1,814 | ▼ 58.5% |
| Other amounts payable47/48 | - | €220 | €31 | €128,574 | €146,551 | ▲ 14.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,606 | €917 | -€3,183 | -€2,083 | -€7,720 | ▼ 271% |
| + Depreciation and write-downs630 | €4,003 | €4,155 | €4,551 | €5,159 | €7,871 | ▲ 52.6% |
| Operating cash flow (approximation) | -€3,603 | €5,071 | €1,369 | €3,076 | €151 | ▼ 95.1% |
| Investment in fixed assets (approximation) | - | €38,616 | -€7,332 | -€127,129 | -€26,252 | ▲ 79.4% |
| Change in cash | - | -€904 | €1,735 | €719 | €2,466 | ▲ 243% |
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
25-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 512 days late
18-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 140 days late
2024
31-12
Financial
Weakest financial yearnet -€7,720
Net result drops to -€7,720, the lowest in the series.
2023
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 121 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Back to profitnet €917
Net result €917 after one loss-making year.
31-12
Financial
Liquidity times 51current ratio 16.55
Current ratio from 0.32 to 16.55; short-term debt falls from €27,142 to €1,578.
08-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 130 days late
12-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 196 days late
2019
31-12
Financial
Back to profitnet €135,196
Net result €135,196 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 5.51
Current ratio from 1.86 to 5.51; short-term debt falls from €12,857 to €1,478.
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 48 days late
Show earlier events
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Charleroi · 1 establishment unit since 2019
Ground area
173 m²
Building footprint
82 m²
Volume, LiDAR
1,090 m³
Parcel 52044B0359/00B007, Wallonia · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
FIDEQUAL
since 20192.295.836.481
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52044B0359/00B007 | Wallonia | 173 m² | 1 · 82 m² | 14.6 m · 4 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 11,218 companies in sector 82100 we hold annual accounts for 3,516. 2,557 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
Founded28-12-1999
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0468911460
Also
9925:BE0468911460
Registered
12-12-2025
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.