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 has been growing by about 13% per year since 2018. Its solvency ranks better than 40% of 3,049 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.
Overview
Overview
Official details
Source: KBO- Status
- Active since 12-06-1996 Normal situation
- Activity
- Agents and brokers in banking services NACE 66191and 1 other
- Establishment units
- 2.078.809.275 9860 Oosterzele, since 24-10-1996
- 2.241.316.939 9620 Zottegem, since 16-12-2006
- Financial year end
- 31 December
- Peppol
- Reachable since 12-12-2025
Board and ownership
Board
- VAN CAUWENBERGHE JohanDirector
Shareholders
- GDC Financieel Management10%2023 annual accounts of GDC Financieel Management
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €51,199
- ▲ 41.7%
- Equity
- €214,615
- ▲ 30.0%
- Total assets
- €554,618
- ▲ 11.6%
- Employees on 31-12-2025
- 4
- ▼ 20.0%
Filed on 18-06-2026, 43 days before the deadline
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
neutral
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 18-06-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 days early
2024
15 days early
2023
13 days early
2022
6 days early
2021
13 days late
2020
20 days early
2019
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 12 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 18-06-2026 at the NBB all 30 filings
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%
In the rankings
#4 oldest company in Oosterzele, Finance and insurance sector
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is 61% higher than in 2024. It is a recovery after the fall in 2024.
Operating result€84,842
2025
Net result€51,199
2025
Total assets€554,618
2025
Equity€214,615
2025
Debt€340,003
2025
Working capital-€77,718
2025
Return on assets (ROA)9.2%
2025
Solvency38.7%
2025
Current ratio0.40
2025
Staff (FTE)3.8
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and 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 sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
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.
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 7 | 5 | 5 | 5 | 4 |
| full-time | 2 | 2 | 2 | 2 | 1 |
| part-time | 5 | 3 | 3 | 3 | 3 |
| in full-time equivalents | 4.8 | 3.8 | 3.7 | 3.7 | 3.4 |
| Average over the year, in full-time equivalents | 5.2 | 4.8 | 4.6 | 3.7 | 3.5 |
| On a permanent contract | 6 | 5 | 5 | 5 | 4 |
| Joined | 1 | 2 | 2 | - | 0 |
| Left | 2 | 4 | 2 | - | 1 |
Source: social balance sheet in the 2021 to 2025 annual accounts
Securities and guarantees
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Pledge on the business | - | - | - | €200,000 | €220,000 |
Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €6,267 | - | €0 | €205,458 | €129,975 |
| Intangible fixed assets | - | - | - | €0 | - |
| Financial fixed assets | - | - | - | - | €0 |
| Depreciation and write-downs of the year | €56,616 | €43,182 | €40,765 | €34,532 | €49,565 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
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 |
Comparable companies
These companies have the same main activity as FIDESCA: agents and brokers in banking services (NACE 66191). They are comparable in size and age: total assets between €492,000 and €601,000, founded between 1989 and 2000.
| Company | Founded | Total assets | Equity | Gross margin | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|
| FIDESCA Oosterzele | 1996 | €554,618 | €214,615 | €357,797 | €51,199 | - | 2025 |
| ZAKENKANTOOR D.G.S. Kortrijk | 1997 | €508,134 | €231,339 | €399,841 | €160,819 | 2 | 2025 |
| Janssen Danny Zutendaal | 1993 | €593,567 | €529,738 | €399,882 | €135,117 | - | 2025 |
| DE BOECK Geraardsbergen | 1999 | €601,195 | €357,692 | €302,407 | €75,977 | - | 2025 |
| ZAKENKANTOOR VOET Oudenaarde | 1996 | €492,150 | €253,146 | €295,015 | €40,557 | - | 2025 |
| KANTOOR CHRIS LAMBRECHT Maldegem | 1989 | €535,724 | €250,368 | €408,058 | €223,849 | 2 | 2025 |
| VAN LOOVEREN Antwerpen | 2000 | €550,945 | €533,828 | €306,191 | €151,495 | - | 2025 |
They were chosen from the 1,171 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
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% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 30 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 18-06-2026 | 2026-00172622 | NBB |
| 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 |
Board & ownership
Directors
Directors
1 director, last change in 2025
VAN CAUWENBERGHE Johan
Current
Director (not named in the articles) · appointed in the act of 22-12-2023 · term without a fixed end · listed in the 2025 annual accounts, filed on 18-06-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Vertegenwoordigingsbevoegdheid Iedere bestuurder afzonderlijk, ook wanneer er meerdere zijn, vertegenwoordigt de vennootschap jegens derden…”
deed of 22-12-2023Owners and capital
Shareholders
1 ownerOwners 1
- Equity €132,212 Profit of €11,099 in 2023 (profit of €40,845 in 2022)10%
Capital transactions
Capital over time
- 22-12-2023 Converted to unavailable equity
Mandate history
2 people, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| VAN CAUWENBERGHE Johan |
|
| GDC Financieel Management |
|
Articles of association
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Op elk moment, met inachtneming van door Wetboek van vennootschappen en verenigingen bepaalde vormvereisten,aanwezigheidsquorum en…”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Recht één of meerdere vereffenaars aan te duiden,bevoegdheden te omlijnen en vergoeding te bepalen, behoudens vereffening en ontbinding in…”
Articles of association, deed of 22-12-2023 (in Dutch)
Network & group
Connections & network
1 current directorThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
This company
Company
Director
Shareholding
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Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
18-06
financial year 2025 · micro format
2025
31-12
Financial
Equity above €200,000equity €214,615 ▲30%
After 4 profitable years in a row, equity reaches €214,615.
16-07
financial year 2024 · micro format
07-07
Gazette deed
Resignation: GDC FINANCIEEL MANGEMENT (director)Permanent representative: Gunter DE CORTE · Power of attorney6 points ▸
Gazette deed
Resignation: GDC FINANCIEEL MANGEMENT (director)
Permanent representative: Gunter DE CORTE · Power of attorney6 points ▸
- General meeting, 03-06-2025
- Director resignation, GDC FINANCIEEL MANGEMENT (director)
- Permanent representative, Gunter DE CORTE
- Power of attorney, VGD Accountants en Belastingconsulenten
- Power of attorney, Inge MARQUENIE
- Power of attorney, Jan LOOBUYCK
2024
31-12
Financial
Equity above €150,000equity €165,083 ▲26.5%
After 3 profitable years in a row, equity reaches €165,083.
18-07
financial year 2023 · micro format
21-02
Gazette deed
Appointment: GDC Financieel Management (director)Permanent representative: Gunter DE CORTE · Declaration · Power of attorney9 points ▸
Gazette deed
Appointment: GDC Financieel Management (director)
Permanent representative: Gunter DE CORTE · Declaration · Power of attorney9 points ▸
- General meeting, 27-11-2023
- Director appointment, GDC Financieel Management (director)
- Permanent representative, Gunter DE CORTE
- Declaration, “verklaart uitdrukkelijk haar mandaat te aanvaarden” (deed in Dutch)
- Power of attorney, VGD Accountants eri Belastingconsulenten
- Power of attorney, Stephanie VAN DAMME
- Power of attorney, Inge MARQUENIE
- Power of attorney, Tessa PIETERS
- Power of attorney, Ilke REYNS
2023
31-12
Financial
Highest result from 2018 to 2025net €113,617 ▲145%
The operating result of €156,409 and the net result of €113,617 are both a record.
22-12
Gazette deed
Resignation: VAN CAUWENBERGHE Johan (statutory manager)Appointment: VAN CAUWENBERGHE Johan (director) · Permanent representative: DE CORTE Gunter · Amendment of the articles14 points ▸
Gazette deed
Resignation: VAN CAUWENBERGHE Johan (statutory manager)
Appointment: VAN CAUWENBERGHE Johan (director) · Permanent representative: DE CORTE Gunter · Amendment of the articles14 points ▸
- General meeting, 18-12-2023
- Amendment of the articles, mentioned 2 times in the deed
- Capital conversion, “statutair onbeschikbare eigen vermogensrekeningen” (deed in Dutch)
- Reserve release, “vormen en meerderheden statutenwijziging, opheffen” (deed in Dutch)
- Director resignation, VAN CAUWENBERGHE Johan (statutory manager)
- Director appointment, VAN CAUWENBERGHE Johan (director (not named in the articles))
- Director discharge, VAN CAUWENBERGHE Johan
- Director in office, GDC Financieel Management (director (not named in the articles))
- Permanent representative, DE CORTE Gunter
- Capital
- Power of attorney, Carmen de Vuyst (geassocieerde notarissen te zottegem)
- Power of attorney, Kristof Berlengé (geassocieerde notarissen te zottegem)
- The act holds 2 more points.
25-07
financial year 2022 · micro format
2022
31-12
Financial
Back to profitnet €46,426
The net result is €46,426, after one loss-making year.
13-08
financial year 2021 · micro format · 13 days late
Show earlier events
2021
31-12
Financial
Weakest financial yearnet -€15,970
The net result drops to -€15,970, the lowest from 2018 to 2025. It recovers the following year.
11-07
financial year 2020 · micro format
2020
31-12
Financial
Equity above €100,000equity €131,476 ▲46.3%
With a profit in every financial year since 2018, equity grows to €131,476.
30-07
financial year 2019 · micro format
2019
28-06
financial year 2018 · micro format
2018
25-06
financial year 2017 · abbreviated format
2017
23-06
financial year 2016 · abbreviated format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
FIDESCA in Dutch
Enterprise number
0458.170.392
Legal form
Private limited company
Status
Active, normale toestand
Founded
12-06-1996
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 22-12-2023 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 22-12-2023 (in Dutch)Registered office and establishments
Registered office
Gootje 24, 9860 Oosterzele, Belgium
Establishments
2 establishment units since 1996
Activities
NACEBEL 202566191
Agents and brokers in banking services main activity
66220
Insurance agents and brokers main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 22-12-2023 (in Dutch)
“Alle verrichtingen met betrekking tot het verstrekken van adviezen op gebied van verzekeringen in verband met alle mogelijke…”
9 activities
- Alle verrichtingen met betrekking tot het verstrekken van adviezen op gebied van verzekeringen in verband met alle mogelijke risico's,reizen,en dergelijke,zonder dat deze opsomming beperkend is
- Bemiddelen tussen verzekeringsmaatschappijen en verzekeringsaannemers,eveneens bij het afwerken van schadegevallen
- Optreden als onafhankelijk tussenpersoon in verzekeringen
- Het aanbieden,het voorstellen en het uitwerken of sluiten van verzekeringsovereenkomsten van alle aard en de tussenkomst bij het beheer en de uitvoering daarvan in de hoedanigheid van verzekeringstussenpersoon conform de wetten en onderrichtingen betreffende de verzekeringsbemiddeling en de distributie van verzekeringen
- Het uitvoeren van schattingen en expertises van roerende en onroerende goederen
- Het beheren voor derden van verzekeringsportefeuilles
- De handel in roerende en onroerende goederen
- Het optreden als makelaar in en het beheer van onroerende goederen
- Het optreden als zelfstandig agent van een in België gevestigde kredietinstelling erkend door de Commissie voor het Bank-en Financiewezen,en van haar in België als kredietinstelling of financiële instelling gevestigde dochters
Invoicing and payment
VAT number
BE 0458.170.392
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of May at 20:00
deed of 22-12-2023 (in Dutch)Sites & property
Location
2 establishment units
Gootje 24, 9860 Oosterzele
since 1996unit number 2.078.809.275
FIDESCA
since 2006unit number 2.241.316.939
Buildings and parcels at the addresses
Ground area
975 m²
Building footprint
698 m²
Building volume
4,381 m³
2 parcels, Flanders · tallest building 14.3 m.
2 parcels
Flanders
2
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 41081A0083/00P000 | Flanders | 513 m² | 1 · 491 m² | 14.3 m · 1 |
| 44007B0455/00H003 | Flanders | 462 m² | 1 · 207 m² | 10.7 m · 2 |
1 of these parcels carries protected heritage. Expect extra rules on renovation or sale.