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Complete company report
Generated 03-09-2026
Active BE 0453.499.744Private limited company

FIDESCO

Brouwerijstraat 12 ·9770 Kruisem, Belgium· 31 yrs active
Sector: Bemiddeling in verband met exploitatie van en handel in onroerend goed (68310)
Conclusion Checked

FIDESCO has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €653k and a net result of €340k. The computed 12-month bankruptcy probability is 0.2% (very low).

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €653k
Net result €340k
Staff (FTE) 1.4
Active 31 yrs
Financial profile 4 of 5 axes measured · computed by Checked
Health93Profitability100Solvency100Growth-Stability85
94 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 93
Profitability 100
Solvency 100
Growth -
Stability 85
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1994, 31 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2024 · computed
93 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview30 NBB filings
Annual accounts filed on 08-07-2025 with the NBB · fiscal year 2024 · micro schema
Figures by fiscal year and ratios
Fiscal year2024
Depositmicro schema
Revenue-
EBITDA€539k
Net profit€340k
Cash flow€412k
Staff costs€34k
Income taxes€125k
Dividends€93k
Total assets€983k
Equity€653k
Debt€331k
of which ≤ 1y€79k
of which > 1y€76k
Working capital€234k
Employees (FTE)1.4
Ratios (computed)
2024
Current ratio3.95
Quick ratio3.95
Working capital ratio23.8%
Solvency66.4%
Debt / equity0.51
Long-term debt ratio0.12
Interest coverage89.25
Gross margin-
Net margin-
ROA34.6%
ROE52.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€983k
Fixed assets 21/28€670k
Intangible fixed assets 21€549
Tangible fixed assets 22/27€670k
Current assets 29/58€313k
Amounts receivable within one year 40/41€16k
Cash & bank 54/58€293k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€983k
Equity 10/15€653k
Contributions / capital 10/11€19k
Reserves 13€627k
Accumulated profits (losses) 14€0
Amounts payable 17/49€331k
Amounts payable after one year 17€76k
Amounts payable within one year 42/48€79k
Trade debts payable within one year 44€4k
Income statement
Gross operating margin 9900€582k
Operating result 9901€467k
Financial income 75€5k
Financial charges 65€6k
Result before taxes 9903€465k
Income taxes 67/77€125k
Net result for the period 9904€340k
Result to be appropriated 9905€340k
Directors & mandates 1 directors
Former directors (1)
  • Filip Desmet
    Director
    State Gazette act 23478066 (28-12-2023)
    Former
    - → 15-12-2023
Legal Structure
NACE primary Bemiddeling in verband met exploitatie van en handel in onroerend goed(68310)
Legal form Private limited company(610)
Incorporation05-10-1994
StatusActive
Postal code9770
Establishment units 1 location
FIDESCO VERMOGENSADVIES
Brouwerijstraat 10, 9770 KruisemBemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis
since 20192.286.749.759
Real-estate footprint Source: CBE × cadastre
Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
45017B0440/00M000 Flanders 876 m² 1 · 305 m² 12.6 m · 2 fl.
45017B0440/00P000 Flanders 230 m² 1 · 121 m² 6.7 m · 1 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events
2016 2016: 1 NBB filing 2017 2017: 1 NBB filing 2018 2018: 1 NBB filing 2019 2019: 1 NBB filing 2020 2020: 1 NBB filing 2021 2021: 1 NBB filing 2022 2022: 1 NBB filing 2023 2023: 1 State Gazette act, 1 NBB filing 2024 2024: 1 NBB filing 2025 2025: 1 NBB filing
2025
08-07-2025 NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07-2024 NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
28-12-2023 State Gazette act Director changes
BÉNÉDICTE STROBBE
30-08-2023 NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07-2022 NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08-2021 NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07-2020 NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
24-07-2019 NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07-2018 NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07-2017 NBB filing Annual accounts filed
fiscal year 2016 · micro schema
2016
26-07-2016 NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema
Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2023
28-12-2023 1 resigning, 1 reappointed Director changes·BÉNÉDICTE STROBBE
  • Filip Desmet, Bestuurder
  • Filip Albert Anne Desmet, Bestuurder
Notary: BÉNÉDICTE STROBBE · WAREGEM
Technical details 
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      },
      "reason": "end_of_term",
      "subkind": null,
      "via_org": null,
      "statutory": "statutair",
      "compensated": false,
      "effective_date": "2023-12-15",
      "evidence_quote": "",
      "decharge_status": null,
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      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_renew",
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      },
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      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "decharge_granted",
      "role": "zaakvoerder",
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    {
      "kind": "board_snapshot",
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      "person": {
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        "name": "Filip Albert Anne Desmet",
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      },
      "reason": null,
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        "kind": "indefinite",
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      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": "B\u00C9N\u00C9DICTE STROBBE",
    "firm_city": null,
    "firm_name": null,
    "office_city": "WAREGEM",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-12-28",
    "filing_date": "2023-12-22",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-12-15",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-12-15",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-12-15",
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    {
      "body": "algemene_vergadering",
      "date": "2023-12-15",
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    {
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      "date": "2023-12-15",
      "unanimous": null
    },
    {
      "body": "algemene_vergadering",
      "date": "2023-12-15",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0453.499.744",
    "name_full": "FIDESCO",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "B\u00E9n\u00E9dicte Strobbe",
    "org_rep_person_name": null,
    "person_role_at_subject": "notaris"
  },
  "co_filed_documents": [
    "een uitgifte van de akte",
    "de co\u00F6rdinatie van de statuten"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Bemiddeling in verband met exploitatie van en handel in onroerend goed68310Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis68311Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed70311
Names & trade names
Legal nameNL FIDESCO
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative