Summary
FIDESCA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €214,615 and a net result of €51,199. Equity is growing by about 13% per year across the filed financial years. Its solvency ranks better than 40% of 3,028 sector peers (NACE 66, financial year 2025). The company has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
In the rankings
#4 oldest company in Oosterzele, Finance and insurance sector
Equity
€214,615▲ 30.0%
2024 · €165,083
Net result
€51,199▲ 41.7%
2024 · €36,134
Total assets
€554,618▲ 11.6%
2024 · €497,101
Solvency
38.7%▲ 5.5pp
2024 · 33.2%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result recovers in 2025; 2025 is 61% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€84,842
2025
Net result€51,199
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€554,618
2025
Equity€214,615
2025
Debt€340,003
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€77,718
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)9.2%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency38.7%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.40
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)3.8
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€60,416-€16,909▼ 72.0%€59,427▲ 251%-€8,653€64,276€156,409▲ 143%€52,684▼ 66.3%€84,842▲ 61.0%
Net result€40,716-€12,998▼ 68.1%€41,601within the sector's middle half▲ 220%-€15,970below the sector's middle half€46,426within the sector's middle half€113,617above the sector's middle half▲ 145%€36,134within the sector's middle half▼ 68.2%€51,199within the sector's middle half▲ 41.7%
Equity€76,876-€89,874▲ 16.9%€131,476within the sector's middle half▲ 46.3%€115,506within the sector's middle half▼ 12.1%€116,932within the sector's middle half▲ 1.2%€130,549within the sector's middle half▲ 11.6%€165,083within the sector's middle half▲ 26.5%€214,615within the sector's middle half▲ 30.0%
Total assets€328,777-€421,521▲ 28.2%€443,639within the sector's middle half▲ 5.2%€391,650within the sector's middle half▼ 11.7%€348,145within the sector's middle half▼ 11.1%€360,973within the sector's middle half▲ 3.7%€497,101within the sector's middle half▲ 37.7%€554,618within the sector's middle half▲ 11.6%
Debt€251,901-€331,646▲ 31.7%€312,164▼ 5.9%€276,145▼ 11.5%€231,213▼ 16.3%€230,424▼ 0.3%€332,018▲ 44.1%€340,003▲ 2.4%
Working capital-€204,107--€192,786▲ 5.5%-€165,550below the sector's middle half▲ 14.1%-€200,221below the sector's middle half▼ 20.9%-€134,719below the sector's middle half▲ 32.7%-€109,556below the sector's middle half▲ 18.7%-€68,475below the sector's middle half▲ 37.5%-€77,718below the sector's middle half▼ 13.5%
Solvency23.4%-21.3%▼ 2.1pp29.6%within the sector's middle half▲ 8.3pp29.5%within the sector's middle half▼ 0.1pp33.6%within the sector's middle half▲ 4.1pp36.2%within the sector's middle half▲ 2.6pp33.2%within the sector's middle half▼ 3.0pp38.7%within the sector's middle half▲ 5.5pp
Current ratio0.18-0.18▼ 0.010.16below the sector's middle half▼ 0.010.13below the sector's middle half▼ 0.030.20below the sector's middle half▲ 0.070.44below the sector's middle half▲ 0.240.52below the sector's middle half▲ 0.080.40below the sector's middle half▼ 0.12
Return on assets (ROA)12.4%-3.1%▼ 9.3pp9.4%within the sector's middle half▲ 6.3pp-4.1%below the sector's middle half▼ 13.5pp13.3%within the sector's middle half▲ 17.4pp31.5%above the sector's middle half▲ 18.1pp7.3%within the sector's middle half▼ 24.2pp9.2%within the sector's middle half▲ 2.0pp
Staff (FTE)5-5.1▲ 2.0%6.1above the sector's middle half▲ 19.6%5.3▼ 13.1%4.8▼ 9.4%4.6▼ 4.2%3.7▼ 19.6%3.8▲ 2.7%
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €554,618
Fixed assets
€503,500 ▲ 18.9%
Current assets
€51,118 ▼ 30.7%
Equity and liabilities €554,618
Equity
€214,615 ▲ 30.0%
Debt
€340,003 ▲ 2.4%
Debt's share of the balance-sheet total falls from 66.8% to 61.3%. Equity and debt are higher.
Key figures and ratios
ROE
23.9%▲
2024 · 21.9%
Debt ≤ 1 year
€128,836▼
2024 · €142,186
Debt > 1 year
€210,594▲
2024 · €189,643
Income taxes
€21,236▲
2024 · €12,269
Staff costs
€220,796▲
2024 · €213,249
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €561 | - | €13,616 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | - | - | - | €305,840 | €216,750 | €220,215 | €213,249 | €220,796 | ▲ 3.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €38,055 | €53,248 | €53,544 | €56,616 | €43,182 | €40,765 | €34,532 | €49,565 | ▲ 43.5% |
| Other operating charges640/8 | - | - | - | €1,345 | €5,248 | €1,958 | €1,161 | €2,593 | ▲ 123% |
| Non-recurring operating charges66A | - | - | - | - | - | - | €34,145 | €0 | ▼ 100% |
| Gross operating margin9900 | €375,199 | €342,927 | €425,011 | €355,148 | €329,456 | €419,346 | €335,771 | €357,797 | ▲ 6.6% |
| Operating profit (loss)9901 | €60,416 | €16,909 | €59,427 | -€8,653 | €64,276 | €156,409 | €52,684 | €84,842 | ▲ 61.0% |
| Financial income75/76B | - | - | - | €130 | €1 | €118 | €457 | €32 | ▼ 93.0% |
| Recurring financial income75 | €107 | - | - | €130 | €1 | €75 | €455 | €32 | ▼ 93.0% |
| Non-recurring financial income76B | - | - | - | €130 | €1 | €43 | €2 | €0 | ▼ 100% |
| Financial charges65/66B | - | - | - | €1,996 | €2,350 | €2,968 | €4,738 | €12,440 | ▲ 163% |
| Recurring financial charges65 | €2,307 | €1,003 | €2,481 | €1,401 | €1,509 | €2,383 | €2,808 | €12,440 | ▲ 343% |
| Non-recurring financial charges66B | - | - | - | €595 | €841 | €585 | €1,930 | €0 | ▼ 100% |
| Profit (loss) for the period before taxes9903 | €58,216 | €16,005 | €56,951 | -€10,519 | €61,926 | €153,559 | €48,403 | €72,434 | ▲ 49.6% |
| Income taxes67/77 | €17,500 | €3,007 | €15,350 | €5,451 | €15,500 | €39,942 | €12,269 | €21,236 | ▲ 73.1% |
| Profit (loss) for the period9904 | €40,716 | €12,998 | €41,601 | -€15,970 | €46,426 | €113,617 | €36,134 | €51,199 | ▲ 41.7% |
| Transfer from tax-exempt reserves789 | - | - | - | €27,477 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €40,716 | €12,998 | €41,601 | €11,507 | €46,426 | €113,617 | €36,134 | €51,199 | ▲ 41.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €328,777 | €421,521 | €443,639 | €391,650 | €348,145 | €360,973 | €497,101 | €554,618 | ▲ 11.6% |
| Fixed assets21/28 | €282,617 | €380,137 | €411,426 | €361,076 | €314,976 | €274,211 | €423,390 | €503,500 | ▲ 18.9% |
| Intangible fixed assets21 | €11,717 | €118,275 | €141,100 | €112,880 | €88,404 | €65,904 | €43,404 | €28,029 | ▼ 35.4% |
| Tangible fixed assets22/27 | €266,786 | €257,747 | €269,796 | €247,666 | €226,042 | €207,777 | €379,456 | €475,241 | ▲ 25.2% |
| Land and buildings22 | - | - | - | €176,774 | €171,792 | €166,810 | €165,686 | €164,796 | ▼ 0.5% |
| Plant, machinery and equipment23 | - | - | - | €4,975 | €3,262 | €1,550 | €965 | €1,483 | ▲ 53.7% |
| Furniture and vehicles24 | - | - | - | €17,472 | €10,153 | €6,193 | €4,607 | €9,519 | ▲ 107% |
| Other tangible fixed assets26 | - | - | - | €48,446 | €40,835 | €33,224 | €208,197 | €299,442 | ▲ 43.8% |
| Financial fixed assets28 | €4,115 | €4,115 | €530 | €530 | €530 | €530 | €530 | €230 | ▼ 56.6% |
| Current assets29/58 | €46,160 | €41,384 | €32,214 | €30,574 | €33,168 | €86,762 | €73,711 | €51,118 | ▼ 30.7% |
| Amounts receivable within one year40/41 | €36,518 | €30,463 | €22,175 | €19,258 | €22,331 | €23,024 | €22,080 | €50,676 | ▲ 130% |
| Trade receivables40 | - | - | - | €19,258 | €22,331 | €23,024 | €22,080 | €50,676 | ▲ 130% |
| Cash at bank and in hand54/58 | €629 | €230 | €189 | €873 | €97 | €51,289 | €50,130 | €42 | ▼ 99.9% |
| Deferred charges and accrued income490/1 | - | - | - | €10,443 | €10,740 | €12,448 | €1,500 | €400 | ▼ 73.3% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €328,777 | €421,521 | €443,639 | €391,650 | €348,145 | €360,973 | €497,101 | €554,618 | ▲ 11.6% |
| Equity10/15 | €76,876 | €89,874 | €131,476 | €115,506 | €116,932 | €130,549 | €165,083 | €214,615 | ▲ 30.0% |
| Contributions10/11 | €6,605 | €6,605 | €6,605 | €6,605 | €6,605 | €6,605 | €6,605 | €6,605 | = |
| Capital10 | - | - | - | €6,605 | €6,605 | - | - | - | - |
| Issued capital100 | - | - | - | €19,000 | €19,000 | - | - | - | - |
| Uncalled capital101 | - | - | - | €12,395 | €12,395 | - | - | - | - |
| Reserves13 | €29,377 | €29,377 | €64,377 | €36,900 | €109,400 | €109,400 | €144,400 | €193,933 | ▲ 34.3% |
| Non-distributable reserves130/1 | - | - | - | €1,900 | €1,900 | - | - | - | - |
| Legal reserve130 | - | - | - | €1,900 | €1,900 | - | - | - | - |
| Distributable reserves133 | - | - | - | €35,000 | €107,500 | €109,400 | €144,400 | €193,933 | ▲ 34.3% |
| Profit (loss) carried forward14 | €40,894 | €53,892 | €60,493 | €72,000 | €927 | €14,544 | €14,077 | €14,077 | = |
| Amounts payable17/49 | €251,901 | €331,646 | €312,164 | €276,145 | €231,213 | €230,424 | €332,018 | €340,003 | ▲ 2.4% |
| Amounts payable after more than one year17 | €1,410 | €97,477 | €114,400 | €45,350 | €63,326 | €34,105 | €189,643 | €210,594 | ▲ 11.0% |
| Financial debts170/4 | - | - | - | €45,350 | €63,326 | €34,105 | €189,643 | €210,594 | ▲ 11.0% |
| Amounts payable within one year42/48 | €250,267 | €234,170 | €197,763 | €230,795 | €167,887 | €196,318 | €142,186 | €128,836 | ▼ 9.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €69,051 | €52,637 | €29,220 | €44,462 | €54,049 | ▲ 21.6% |
| Financial debts43 | - | - | - | €29,076 | €18,279 | €1,452 | €21,792 | €21,834 | ▲ 0.2% |
| Credit institutions430/8 | - | - | - | €29,076 | €18,279 | €1,452 | €21,792 | €21,834 | ▲ 0.2% |
| Trade debts44 | €28,986 | €33,156 | €10,452 | €23,595 | €9,609 | €16,456 | €20,105 | €6,481 | ▼ 67.8% |
| Suppliers440/4 | - | - | - | €23,595 | €9,609 | €16,456 | €20,105 | €6,481 | ▼ 67.8% |
| Taxes, remuneration and social security45 | - | - | - | €29,859 | €35,736 | €56,089 | €45,578 | €36,744 | ▼ 19.4% |
| Taxes450/3 | - | - | - | €500 | €16,000 | €35,500 | €24,500 | €9,339 | ▼ 61.9% |
| Remuneration and social security454/9 | - | - | - | €29,359 | €19,736 | €20,589 | €21,078 | €27,405 | ▲ 30.0% |
| Other amounts payable47/48 | - | - | - | €79,215 | €51,626 | €93,101 | €10,249 | €9,729 | ▼ 5.1% |
| Accrued charges and deferred income492/3 | - | - | - | - | - | €1 | €190 | €573 | ▲ 202% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €40,716 | €12,998 | €41,601 | -€15,970 | €46,426 | €113,617 | €36,134 | €51,199 | ▲ 41.7% |
| + Depreciation and write-downs630 | €38,055 | €53,248 | €53,544 | €56,616 | €43,182 | €40,765 | €34,532 | €49,565 | ▲ 43.5% |
| Operating cash flow (approximation) | €78,771 | €66,247 | €95,145 | €40,646 | €89,609 | €154,382 | €70,666 | €100,764 | ▲ 42.6% |
| Investment in fixed assets (approximation) | - | -€150,768 | -€84,832 | -€6,267 | €2,918 | €0 | -€183,711 | -€129,675 | ▲ 29.4% |
| Change in cash | - | -€399 | -€41 | €684 | -€776 | €51,192 | -€1,159 | -€50,088 | ▼ 4,221% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 30 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 18-06-2026 | 2026-00172622 |
| 31-12-2024 | micro format | 16-07-2025 | 2025-00285913 |
| 31-12-2023 | micro format | 18-07-2024 | 2024-00268866 |
| 31-12-2022 | micro format | 25-07-2023 | 2023-00281503 |
| 31-12-2021 | micro format | 13-08-2022 | 2022-20290394 |
| 31-12-2020 | micro format | 11-07-2021 | 2021-35400496 |
| 31-12-2019 | micro format | 30-07-2020 | 2020-36300573 |
| 31-12-2018 | micro format | 28-06-2019 | 2019-25900035 |
| 31-12-2017 | abbreviated format | 25-06-2018 | 2018-22500168 |
| 31-12-2016 | abbreviated format | 23-06-2017 | 2017-20400305 |
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Of the 1,651 active companies whose main activity is agents and brokers in banking services (NACE 66191), figures are known for 1,202. 1,059 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2022 to 2025 · 4 entries · €1,142 awarded · €1,140 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €169 | €169 |
| 2024 | 1 | €294 | €294 |
| 2023 | 1 | €93 | €244 |
| 2022 | 1 | €586 | €433 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.