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FIDESCO

Active Private limited companyfounded 1994active for 32 yearsBrouwerijstraat 12, 9770 KruisemKBO/BCE: BE 0453.499.744
FIDESCO
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Overview

Lifetime

20 annual accounts with figures on one time axis, 31 filings since 1995
peak €581,751 (2024)
€131,438▼ 77.4%
lowest -€9,927 (2008)
€38,419▼ 88.7%
peak €690,579 (2025)
€690,579▲ 5.8%
€135,439▼ 59.1%
peak 2.3 FTE (2019)
-not published
Board1 name since 1994
1 directorFilip Desmet
Documentsfilings and deeds
24-06-202637 days before the deadline
2025micro format
Gross margin from €581,751 to €131,438Result from €340,312 to €38,419Dividend €444Debts from €330,835 to €135,439Cash from €293,469 to €179,457

Key points

from the 2025 annual accounts

Equity

€690,579 ▲ 5.8%
652,6042024+38,419Profit-444Dividend690,5792025

FIDESCO paid out €444 in dividends. That is 1% of the 2025 profit.

Result

€38,419 ▼ 88.7%
€340,0002024€38,4002025

The result fell in 2025 from €340,312 to €38,419.

Filings

31 annual accounts since 1995
AprilJune31 JulyOctober200020102020

Two of the last ten came late. The 2020 accounts came latest: 30 days after the end of the period.

Checked score

97
Excellent
Financially stronger than 76% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: 0.1%▲ +0.1 percentage points vs 06-2025highest value 08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025lowest value 09-2025: < 0.1%● unchanged vs 08-2025lowest value 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026

Financial strength
Strong

100+9equity 83.6% of total assets
77-10short-term debt 7.1% · cash 21.7%
75-25return on assets 4.7%

Score breakdown

lowers risk
Liquidity: current ratio 3.64, cash €179,457
Equity €690,579 (83.6% of total assets)
Size: total assets €826,018
Figures for financial year 2025 (filed on 24-06-2026)
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 91% of them on solvency, 84% on liquidity, 69% on profitability and 60% on growth.

The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 14,766 companies had the same profile as FIDESCO has now. Each dot stands for 37 companies, two years later.

96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
  • Small
  • 20 years or older
  • solvency 30% or more
  • a profit under 5% of the balance sheet

Another 0.1% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of FIDESCO itself: < 0.1% within 12 months.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 14,766 companies, not a prediction for FIDESCO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €65,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 3.64 (3.95 in 2024), above the usual 1.5. Short-term debt is 7.1% and cash 21.7% of total assets. 16.4% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

5 signals, none raises the risk
Five signals.
lowers riskneutral
lowers risk · Liquidity: current ratio 3.64, cash €179,457
NBB · annual accounts
lowers risk · Equity €690,579 (83.6% of total assets)
NBB · annual accounts
lowers risk · Size: total assets €826,018
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 24-06-2026)
NBB · annual accounts
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 24-06-2026, 37 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
37 days early
2024
23 days early
2023
13 days early
2022
30 days late
2021
6 days early
2020
30 days late
2019
4 days 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 3 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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 months
Where today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

FD
Filip Desmet
Director
Board & ownership

Recent changes

Change of role: Filip Desmet, from statutory manager to statutory director Director discharge: Filip Desmet · General meeting of 15-12-2023 · Gazette deed
Registered in the Peppol Directory Reachable for e-invoices through 0208:0453499744
First establishment FIDESCO VERMOGENSADVIES, Brouwerijstraat 10, Kruisem
Incorporation published on 25-10-1994 · Gazette deed
All 46 events

Comparable companies

same main activity, similar in size and age
Company
FIDESCO Kruisem €0.8m €131,438 83.6% -
Gebroeders MEERT Aalst €0.9m €129,009 41.8% -
WIM DE BLOCK INVEST Nazareth-De Pinte €1.0m €145,842 18.8% -
PERNEBO Assenede €0.9m €104,759 46.0% -
MASTER DESIGN Kruisem €1.0m €143,288 36.5% -
C-INVEST Staden €0.8m €137,402 43.9% -
IMMO DE NIL Knokke-Heist €0.9m €132,351 68.7% -

These companies have the same main activity as FIDESCO: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €827,000 and €1m, founded between 1991 and 1996.

Official details

Source: KBO
Status
Active since 05-10-1994Normal situation
Activity
Real estate agency activitiesNACE 68310
Joint committees
200Auxiliary committee for white-collar workers
323Building management, estate agents and domestic staff · annual accounts 2024
Establishment unit
2.286.749.7599770 Kruisem, since 03-01-2019
Financial year end
31 December
Peppol
Reachable since 30-10-2023
Company details

Annual accounts 2025

€131,438▼ 77.4%
≈ €230,000estimated
€38,419▼ 88.7%
€690,579▲ 5.8%
€826,018▼ 16.0%
Filing
Filed on 24-06-2026, 37 days before the end of the filing period
Financials

Insights on FIDESCO

FIDESCO files the micro format. That format states no turnover. The gross margin rose from €38,637 in 2006 to €131,438 in 2025.

The balance sheet grew most from 2012 to 2014 through fixed assets.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 24-06-2026, 37 days before the deadline
€131,438
▼ 77.4%
€66,508
▼ 85.8%
€38,419
▼ 88.7%
€155,462
▼ 33.6%
83.6%
▲ 17.2 percentage points
3.64
▼ 0.31

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €230,000. Estimated: probably between €190,000 and €350,000.

Balance sheet

balance sheet total €826,018 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

83.6%

Higher than 88% of 17,185 companies in 2025.

3.64

Higher than 80% of 16,482 companies in 2025.

4.7%

Higher than 63% of 16,861 companies in 2025.

FIDESCO Middle half of the sector 80% of the sector Micro accounts in real estate (NACE 68)

Net result: top quarter · Equity: top quarter · Balance sheet total: middle half · Working capital: top quarter

Staff

Staff costs divided by the average number of full-time equivalents.

people who joined people who left

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
Balance sheet: assets
20/58 826,018983,439951,0631.1m1.1m1.3m1.4m1.4m1.3m1.2m1.1m1.3m881,747543,780252,592251,701217,345171,873189,520150,854
21/28 611,678670,100735,299815,226884,060956,2631.0m1.1m927,556939,439927,445758,718404,752333,03227,36636,77755,41927,99736,00544,751
21 05491,9643,380----------------
22/27 611,678669,552733,335811,846884,060956,2631.0m1.1m927,556939,439923,338754,612404,752333,03227,36636,77755,41927,99736,00544,751
22 602,691657,876723,660799,862867,615924,555981,269996,825851,569907,491879,799751,205399,217318,370------
23 1,4451,9262,4082,9924,2065,4206,6352,5691003475941,2402,1552,0863,3712,8715,0037,4127,1871,980
24 7,5439,7507,2678,99212,23826,28839,03659,51275,88731,60242,9452,1673,38012,57623,99533,90550,41620,58528,81842,771
28 ----------4,1074,107--------
29/58 214,339313,338215,765244,894231,314333,484344,585320,969325,560214,131196,057495,054476,995210,749225,226214,925161,926143,876153,514106,103
40/41 31,65815,52526,32115,2062,44730,31078,64899,65126,46133,73919,47815,93321,15519,16360,101108,87734,0329,5974,96925,088
40 27,5881,5114,4371,1112,18023,30271,78041,11123,24824,75819,47810,24215,47519,16352,449104,82119,1483,158-12,595
41 4,07014,01421,88314,0952677,0086,86858,5403,2128,981-5,6915,679-7,6524,05614,8846,4394,96912,494
50/53 --------11,35711,18810,96710,70910,45810,2139,5079,507----
54/58 179,457293,469178,821219,881220,443293,800256,004215,141286,814167,258165,612468,412444,689179,210152,97594,075125,775134,079148,34581,015
490/1 3,2254,34410,6239,8088,4259,3749,9336,1779281,946--6932,1632,6432,4662,119200200-
Balance sheet: equity and liabilities
10/49 826,018983,439951,0631.1m1.1m1.3m1.4m1.4m1.3m1.2m1.1m1.3m881,747543,780252,592251,701217,345171,873189,520150,854
10/15 690,579652,604405,023378,575428,865445,529432,013370,938375,731302,268226,329219,215157,040141,594154,136124,857105,638108,697118,62391,231
10/11 18,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,59218,59218,59218,59218,59218,592
100 ------18,60018,60018,60018,60018,60018,60018,60018,60018,59218,59218,59218,59218,59218,592
12 6,6706,6706,6706,6706,6706,6706,6706,6706,670-----------
13 665,309627,334379,753353,305403,595420,259406,743345,668350,461283,668207,729200,615138,440122,994135,544106,26587,04690,105100,03172,639
130/1 --01,8601,8601,860--------------
130 ------1,8601,8601,8601,8601,8601,8601,8601,8591,8591,8591,8591,8591,8591,859
1311 --01,8601,8601,860--------------
132 ----015,00015,00015,00015,00015,00015,00015,00015,00015,00015,00015,00015,00015,00015,00015,000
133 665,309627,334379,753351,445401,735403,399389,883328,808333,601266,808190,869183,755121,580106,135118,68589,40670,18773,24583,17255,780
14 00000---------------
17/49 135,439330,835546,040681,545686,509844,218939,5111.0m877,386851,302897,1731.0m724,707402,18698,456126,844111,70763,17670,89659,623
17 47,53176,135134,363216,104297,314384,870436,597453,186398,914438,232463,481481,410257,656233,79410,60420,79530,589-10,59519,878
170/4 47,53176,135134,363216,104297,314384,870436,597453,186398,914438,232463,481481,410257,656233,79410,60420,79530,589-10,59519,878
42/48 58,87879,341115,959120,060131,104156,446163,828175,823184,074146,281163,670169,09784,99650,54435,46742,07120,05426,27829,41728,801
42 28,60458,22781,74181,21087,556103,265102,914108,39587,28974,64963,88252,26845,53932,18510,1919,7939,4119,68910,10810,467
43 -07643,0172,7862622,3932,1963,8181,217----------
430/8 -07643,0172,7862622,3932,1963,8181,217----------
44 3,2683,67211,2118,8166,7319,47213,10154,27313,96619,02835,34368,40219,3856,1647595,6264,4542,6724,3496,960
440/4 3,2683,67211,2118,8166,7319,47213,10154,27313,96619,02835,34368,40219,3856,1647595,6264,4542,6724,3496,960
45 19,53110,57420,17123,70231,03443,44745,42010,96079,00151,38746,42148,42820,07111,59924,51726,6526,1899,4971,267-
450/3 18,37610,0007,23314,26014,70429,22428,1434,97772,02145,29338,80540,77212,9518,51716,03723,1761,1243,43718-
454/9 1,15557412,9389,44216,32914,22417,2775,9836,9806,0947,6167,6567,1203,0828,4803,4765,0656,0591,249-
47/48 7,4746,8682,0723,3162,998-----18,024--595---4,42013,69311,373
492/3 29,030175,358295,718345,381258,091302,902339,086379,928294,398266,790270,022384,050382,055117,84852,38563,97861,06436,89830,88510,944
Income statement
76A ---------11,2154,250----229-4559,8234,959
9900 131,438581,751219,587193,519279,271249,702321,220210,269280,289277,130217,908210,777124,03370,20196,95870,80845,25222,20959,30038,637
62 033,87786,70177,06789,821104,830114,08080,34940,47338,08446,39645,61043,20627,86034,17812,73921,60717,2184,714-
630 60,11671,91383,11385,27799,61396,666108,075108,12592,71483,51571,01246,60034,54829,80315,48324,25523,22113,59418,01617,214
640/8 4,8159,1139,67616,40114,50312,4658,55512,85511,97110,02510,3939,5649,6474,5601,3261,7212,7321,4341,5842,951
9901 66,508466,84740,09714,77575,33535,74190,5108,940135,131145,50790,106109,00336,6337,97945,97132,093-2,309-10,03634,98718,473
75/76B 384,6713,806161,733021742307653,1774,0383,5752,5811,0318532,5289292649
75 384,6710161,733021742302543,1774,0383,5752,5811,0318532,5289292649
76B -03,806------512----------
65/66B 4,1966,0375,5427,4509,45411,60612,56513,53414,01214,95215,82815,13011,7243,2181,3821,7611,2941,2751,6081,106
65 4,1966,0375,5427,4509,45411,60612,56513,53414,01214,95215,82815,13011,7243,2181,3821,7611,2941,2751,6081,106
9903 62,350465,48138,3627,34167,61424,13577,966-4,520121,350131,32181,70597,91128,4847,34245,62031,415-1,075-9,92743,46522,335
67/77 23,930125,16911,9137,63126,72310,61916,89127354,55755,38239,59135,73613,0387,88516,34112,1951,984-16,0728,311
9904 38,419340,31226,449-29040,89113,51661,075-4,79366,79375,93842,11562,17515,446-54229,27919,219-3,059-9,92727,39214,023
789 ---015,000---------------
9905 38,419340,31226,449-29055,89113,51661,075-4,79366,79375,93842,11562,17515,446-54229,27919,219-3,059-9,92727,39214,023
Appropriation of the result
9906 38,419340,31226,449-29055,89113,51661,075-4,79366,79375,93842,11562,17515,446-54229,27919,219-3,059-9,92727,39214,023
791/2 092,731050,29057,555--4,793--35,000--12,542--3,0599,927--
691/2 37,975340,31226,449055,89113,51661,075-66,79375,93842,11562,17515,446-29,27919,219--27,3929,523
6920 ------------1-------
6921 37,975340,31226,449055,89113,51661,075-66,79375,93842,11562,17515,445-29,27919,219--27,3929,523
694/7 44492,731050,00057,555-----35,000--12,000-----4,500
694 44492,731050,00057,555-----35,000--12,000------
695 -------------------4,500
Social balance sheet
9087 -1.422.12.32.12.31.40.80.80.90.90.80.80.80.40.80.80.1-
Hours worked1013 -1,1092,5622,4782,6703,0143,6432,1901,3641,2991,6361,5471,4389641,3666151,3271,343183-
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The accounts for 11 older financial years (1995-2005) were filed as documents without figures as data, scans for example.

The notes to these accounts have 12 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 24-06-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 24-06-2026 2026-00203488 PDF
31-12-2024 micro format 08-07-2025 2025-00242505 PDF
31-12-2023 micro format 18-07-2024 2024-00257496 PDF
31-12-2022 micro format 30-08-2023 2023-00374352 PDF
31-12-2021 micro format 25-07-2022 2022-20216448 PDF
31-12-2020 micro format 30-08-2021 2021-56100475 PDF
31-12-2019 micro format 27-07-2020 2020-33200211 PDF
31-12-2018 micro format 24-07-2019 2019-37200038 PDF
31-12-2017 micro format 27-07-2018 2018-38200518 PDF
31-12-2016 micro format 25-07-2017 2017-34600405 PDF
31-12-2015 abbreviated format 26-07-2016 2016-34800585 PDF
31-12-2014 abbreviated format 30-07-2015 2015-36100061 PDF
31-12-2013 abbreviated format 30-07-2014 2014-35900271 PDF
31-12-2012 abbreviated format 29-07-2013 2013-35400153 PDF
31-12-2011 abbreviated format 31-08-2012 2012-55700426 PDF
31-12-2010 abbreviated format 31-08-2011 2011-53500427 PDF
31-12-2009 abbreviated format 31-08-2010 2010-53500164 PDF
31-12-2008 abbreviated format 31-08-2009 2009-74800016 PDF
31-12-2007 abbreviated format 24-07-2008 2008-46900151 PDF
31-12-2006 abbreviated format 31-08-2007 2007-71600016 PDF
31-12-2005 abbreviated format 14-08-2006 2006-63202616 PDF
31-12-2004 abbreviated format 29-07-2005 2005-61204000 PDF
31-12-2003 abbreviated format 30-07-2004 2004-56405182 PDF
31-12-2002 abbreviated format 30-07-2003 2003-55604919 PDF
31-12-2001 abbreviated format 29-10-2002 2002-69001073 PDF
31-12-2000 abbreviated format 13-08-2001 2001-50601464 PDF
31-12-1999 abbreviated format 03-10-2000 2000-61603264 PDF
31-12-1998 abbreviated format 03-12-1999 1999-62005288 PDF
31-12-1997 abbreviated format 09-09-1998 1998-46300265 PDF
31-12-1996 abbreviated format 09-06-1997 1997-14000590 PDF
31-12-1995 abbreviated format 13-06-1996 1996-16801093 PDF

Subsidies and aid

Flemish government 2022 to 2023, 2 entries, €128 awarded, €128 paid

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
€128
Year Entries AwardedPaid
2023 1 €84€84
2022 1 €44€44

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
126,623538,760123,210100,052174,947132,407198,585117,064227,845229,022161,118155,60271,18037,78161,45456,34820,9123,55853,00235,686
98,535412,225109,56184,987140,503110,182169,150103,332159,507159,453113,127108,77549,99329,26044,76243,47420,1633,66745,40831,237
1,6936,7153,18616,44427,40925,99076,108239,47474,16199,616239,739400,566106,268335,4686,0725,61350,6435,5869,27047,952
-114,012114,648-41,060-562-73,35737,79640,863-71,673119,5561,646-302,80023,722265,47926,23558,900-31,701-8,303-14,26767,330-
155,462233,99799,805124,834100,211177,038180,757145,146141,48667,85032,387325,957391,999160,204189,759172,854141,872117,598124,09877,302
83.6%66.4%42.6%35.7%38.5%34.5%31.5%26.9%30.0%26.2%20.1%17.5%17.8%26.0%61.0%49.6%48.6%63.2%62.6%60.5%
3.643.951.862.041.762.132.101.831.771.461.202.935.614.176.355.118.075.485.223.68
0.200.511.351.801.601.892.172.722.342.823.964.724.612.840.641.021.060.580.600.65
5.6%52.1%6.5%-0.1%9.5%3.0%14.1%-1.3%17.8%25.1%18.6%28.4%9.8%-0.4%19.0%15.4%-2.9%-9.1%23.1%15.4%
4.7%34.6%2.8%0.0%3.7%1.0%4.5%-0.3%5.3%6.6%3.7%5.0%1.8%-0.1%11.6%7.6%-1.4%-5.8%14.5%9.3%
30.1889.2522.2313.4318.51---------------

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item31-12-202431-12-202331-12-202231-12-2021
Employees at the balance-sheet date-222
full-time-010
part-time-212
in full-time equivalents-1.31.71.4
0.921.81.9
On a permanent contract-222
Joined0232
Left2232
Training hours--1-

Source: social balance sheet in the 2021 to 2024 annual accounts

Securities and guarantees

on own assets and for others
Item20252024202320222021
Mortgages, amount registered-€125,000€125,000€125,000€125,000
-€641,472€641,472€641,472€641,472
Carrying value of the mortgaged assets-€657,876€723,660€799,862€867,615

Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€1,693€6,715€3,186€12,197€27,409
Intangible fixed assets---€4,247-
Financial fixed assets€0----
€60,116€71,913€83,113€85,277€99,613

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on FIDESCO

The operating result for 2025 is 86% lower than in 2024.

Debt's share of the balance-sheet total falls from 33.6% to 16.4%. Equity is higher and debt is lower.

Board & ownership

Board

1 director, last change in 2023
Filip Desmet
Statutory director
appointed by deed of 28-12-2023 term without a fixed end
earlier statutory manager, until 28-12-2023
listed in the 2025 annual accounts, filed on 24-06-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Iedere bestuurder afzonderlijk, ook wanneer er meerdere zijn, vertegenwoordigt de vennootschap jegens derden en in rechte als eiser of als…”
deed of 28-12-2023

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
Filip Desmet
Statutory director
BoardEarliermandate already running before its first mention
Mandates as a list
  • Filip Desmet
    • Statutory director, from 05-10-1994 to date
    • Statutory manager, until 28-12-2023

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€18,600
Source
2025 annual accounts

Articles of association

deed of 28-12-2023 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Monday of June at 19:00

Network & group

No group

FIDESCO has no parent and no holdings in its annual accounts. Filip Desmet is the only director. FIDESCO shares no director with another company.

At the same address

Brouwerijstraat 12, 9770 Kruisem · 1 other company
Hanssens, Sophie (sole trader)
establishment since 11-12-2001
 founded in 1994
0523.769.217

Timeline

Timeline

46 events since 1994

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 37 days before the deadline
2025
Annual accounts 2024 filed PDFmicro format · 23 days before the deadline
2024
Highest result from 2006 to 2025 net €340,312 ▲1,187% The operating result of €466,847 and the net result of €340,312 are both a record.
Liquidity more than doubled current ratio 3.95 The current ratio rises from 1.86 to 3.95. Short-term debt falls from €115,959 to €79,341.
Equity above €500,000 equity €652,604 ▲61.1% After 2 profitable years in a row, equity reaches €652,604.
Annual accounts 2023 filed PDFmicro format · 13 days before the deadline
2023
Back to profit net €26,449 The net result is €26,449, after one loss-making year.
Change of role: Filip Desmet, from statutory manager to statutory directorDirector discharge: Filip Desmet · General meeting of 15-12-20235 points ▸
  • General meeting, 15-12-2023
  • Registered office clause, Brouwerijstraat 12, 9770 Kruisem
  • Director resignation, Filip Desmet (statutory manager)
  • Director appointment, Filip Desmet (statutory director)
  • Director discharge, Filip Desmet
  • The deed holds 5 more points.

Open the deed in the Belgian Official Gazette

Registered in the Peppol Directory Reachable for e-invoices through 0208:0453499744
Annual accounts 2022 filed PDFmicro format · 30 days late
2022
Annual accounts 2021 filed PDFmicro format · 6 days before the deadline
2021
Annual accounts 2020 filed PDFmicro format · 30 days late
2020
Annual accounts 2019 filed PDFmicro format · 4 days before the deadline
2019
Back to profit net €61,075 The net result is €61,075, after one loss-making year.
Annual accounts 2018 filed PDFmicro format · 7 days before the deadline
First establishment FIDESCO VERMOGENSADVIES, Brouwerijstraat 10, Kruisem
2018
Annual accounts 2017 filed PDFmicro format · 4 days before the deadline
2017
Annual accounts 2016 filed PDFmicro format · 6 days before the deadline
2016
Annual accounts 2015 filed PDFabbreviated format · 5 days before the deadline
2015
Annual accounts 2014 filed PDFabbreviated format · 1 day before the deadline
2014
Equity above €200,000 equity €219,215 ▲39.6% After 2 profitable years in a row, equity reaches €219,215.
Annual accounts 2013 filed PDFabbreviated format · 1 day before the deadline
2013
Back to profit net €15,446 The net result is €15,446, after one loss-making year.
Annual accounts 2012 filed PDFabbreviated format · 2 days before the deadline
2012
Annual accounts 2011 filed PDFabbreviated format · 31 days late
2011
Equity above €150,000 equity €154,136 ▲23.5% After 2 profitable years in a row, equity reaches €154,136.
Annual accounts 2010 filed PDFabbreviated format · 31 days late
2010
Back to profit net €19,219 The net result is €19,219, after 2 loss-making years.
Annual accounts 2009 filed PDFabbreviated format · 31 days late
2009
Annual accounts 2008 filed PDFabbreviated format · 31 days late
2008
Weakest financial year net -€9,927 The net result drops to -€9,927, the lowest from 2006 to 2025. It recovers the following year.
Annual accounts 2007 filed PDFabbreviated format · 7 days before the deadline
2007
Equity above €100,000 equity €118,623 ▲30% With a profit in every financial year since 2006, equity grows to €118,623.
Annual accounts 2006 filed PDFabbreviated format · 31 days late
2006
Annual accounts 2005 filed PDFabbreviated format
2005
Annual accounts 2004 filed PDFabbreviated format
2004
Annual accounts 2003 filed PDFabbreviated format
2003
Annual accounts 2002 filed PDFabbreviated format
2002
Annual accounts 2001 filed PDFabbreviated format
2001
Annual accounts 2000 filed PDFabbreviated format
2000
Annual accounts 1999 filed PDFabbreviated format
1999
Annual accounts 1998 filed PDFabbreviated format
1998
Annual accounts 1997 filed PDFabbreviated format
1997
Annual accounts 1996 filed PDFabbreviated format
1996
Annual accounts 1995 filed PDFabbreviated format
1994
Incorporation published on 25-10-1994

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

FIDESCO was incorporated on 5 October 1994.1 Total assets fell from €1.4m in 2018 to €826,018 in 2025 and headcount from 1.4 full-time equivalents in 2018 to 1.4 in 2024.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2018, 2024 and 2025

Company details

Identity

Enterprise number
0453.499.744
VAT number
BE 0453.499.744
Peppol ID
0208:0453499744
Other Peppol ID
9925:BE0453499744
Legal form
Private limited company
Status
Active, normal situation
Founded
05-10-1994
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Monday of June at 19:00
deed of 28-12-2023 (in Dutch)
Peppol
Reachable since 30-10-2023Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
FIDESCO in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 28-12-2023 (in Dutch)

Activities

NACEBEL 2025
68310 Real estate agency activities main activity
Joint committees annual accounts 2024
JC 200 Auxiliary committee for white-collar workers
JC 323 Building management, estate agents and domestic staff
Codes under NACEBEL 2008
68311 Real estate activities main activity
Codes under NACEBEL 2003
70311 main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Het afsluiten van auditovereenkomsten met betrekking tot de aankoop of huur van een onroerend goed; Het afsluiten en bemiddelen van koop-en…”
15 activities
  1. Het afsluiten van auditovereenkomsten met betrekking tot de aankoop of huur van een onroerend goed
  2. Het afsluiten en bemiddelen van koop-en huurovereenkomsten van onroerende goederen
  3. Het afsluiten en bemiddelen van elke vorm van financiële,fiscale of verzekeringstechnische overeenkomsten
  4. Bemiddelen bij het afsluiten van een overeenkomst met een binnenhuisarchitect
  5. Seminaries organiseren en publicaties verspreiden
  6. Het optreden als tussenpersoon in de handel in het algemeen
  7. Het besturen van vennootschappen en verenigingen,met name de deelname aan en de bijstand bij het beheer,bestuur en management van vennootschappen,ongeacht hun voorwerp en activiteit,via de uitoefening van de functie van bestuurder,gedelegeerd-bestuurder,directeur,directeur-generaal,manager,en van alle topfuncties die door de vennootschap op grond van een overeenkomst aan een zelfstandige manager kunnen worden uitbesteed
  8. Het beheer,de instandhouding en valorisatie van een onroerend patrimonium,met inbegrip van het onderhoud,de verbouwing en de bebouwing ervan.Dit omvat onder meer de aankoop,het bouwen,oprichten,uitrusten,ombouwen en verhuren,met het oog op beheer en opbrengst,alsmede zich borg stellen voor het goede verloop van verbintenissen door derde personen aangegaan
  9. Het verwerven,te gelde maken,inbrengen,afstaan en verhandelen door uitgiften of andere middelen van alle soorten marktwaarden,aandelen of obligaties,van participaties of belangen onder gelijk welke vorm in Belgische of buitenlandse vennootschap,bestaande of op te richten,dit alles voor zover als wettelijk toegelaten
  10. Het verlenen van dienstprestaties van economische aard,zowel in eigen beheer als in deelname met derden;daartoe behoren techno-consult,assistentie op gebied van engineering,technisch,commercieel,administratief en financieel beheer en advies
  11. De vennootschap kan daarenboven belangen nemen hetzij door deelneming,inbreng of elke andere wijze,in alle vennootschappen,ondernemingen,syndicaten of groeperingen,bestaande of op te richten,zowel in België als in het buitenland die een gelijkluidend,soortgelijk of aanvullend voorwerp nastreven of die van aard zijn de ontwikkeling in haar onderneming te bevorderen
  12. De vennootschap zal bij middel van inbreng,versmelting,inschrijving of op om het even welke wijze mogen deelnemen aan alle ondernemingen,verenigingen,vennootschappen,die een gelijkaardig of bijhorend voorwerp nastreven of die eenvoudig nuttig zijn tot de gehele of gedeeltelijke verwezenlijking van haar voorwerp
  13. Al deze activiteiten mogen uitgeoefend worden onder alle vormen en in de meest uitgebreide zin en betekenis
  14. Op algemene wijze mag zij allerhande commerciële,industriële,financiële,roerende en onroerende verrichtingen uitvoeren welke rechtstreeks of onrechtstreeks verband houden met haar voorwerp
  15. De vennootschap mag op welke wijze ook betrokken zijn in zaken,ondernemingen of vennootschappen die eenzelfde,een soortgelijk,een gelijkaardig of samenhangend voorwerp hebben dat van aard is de ontwikkeling van haar vennootschap te bevorderen,haar grondstoffen kan verschaffen,of haar producten gemakkelijker kan verdelen
deed of 28-12-2023 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Brouwerijstraat 12 registered office 9770 Kruisem
FIDESCO VERMOGENSADVIES Brouwerijstraat 10, 9770 Kruisem 03-01-2019 2.286.749.759

Buildings and parcels at the addresses

Ground area
1,106 m²
Buildings
426 m²
Volume, LiDAR
2,418 m³
Tallest building
12.6 m
Buildings to scale, each on its own parcel
305 m², 12.6 m 121 m², 6.7 m 305 m², 12.6 m 121 m², 6.7 m

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
45017B0440/00M000876 m² 1 · 305 m² 12.6 m · 2
45017B0440/00P000230 m² 1 · 121 m² 6.7 m · 1

Contact

E-mail info@fidesco.be
Phone +32 9 278 78 78

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