Summary
FIDESCON 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 €56,977 and a net result of €5,635. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 95% of 2463 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €56,977
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
18 d late
2024
30 d late
2023
12 d early
2022
25 d late
2021
11 d early
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 16 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€56,977▲ 11.0%
2024 · €51,342
Net result
€5,635▼ 88.6%
2024 · €49,590
Total assets
€57,246▼ 47.4%
2024 · €108,756
Solvency
99.5%▲ 52.3pp
2024 · 47.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance 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
Line20212022202320242025
Operating result-€5,686▲ 43.9%-€4,717▲ 17.0%€9,042€56,972▲ 530%€7,899▼ 86.1%
Net result-€6,798below the sector's middle half▲ 39.0%-€6,365below the sector's middle half▲ 6.4%€8,392within the sector's middle half€49,590within the sector's middle half▲ 491%€5,635within the sector's middle half▼ 88.6%
Equity€14,725below the sector's middle half▼ 31.6%€8,360below the sector's middle half▼ 43.2%€16,752below the sector's middle half▲ 100%€51,342within the sector's middle half▲ 206%€56,977within the sector's middle half▲ 11.0%
Total assets€178,822within the sector's middle half▼ 5.7%€148,517within the sector's middle half▼ 16.9%€140,548within the sector's middle half▼ 5.4%€108,756below the sector's middle half▼ 22.6%€57,246below the sector's middle half▼ 47.4%
Debt€164,097▼ 2.4%€140,157▼ 14.6%€123,796▼ 11.7%€57,414▼ 53.6%€269▼ 99.5%
Working capital-€91,378below the sector's middle half▲ 4.5%-€106,025below the sector's middle half▼ 16.0%-€84,199below the sector's middle half▲ 20.6%-€41,787below the sector's middle half▲ 50.4%€56,977within the sector's middle half
Solvency8.2%below the sector's middle half▼ 3.1pp5.6%below the sector's middle half▼ 2.6pp11.9%below the sector's middle half▲ 6.3pp47.2%within the sector's middle half▲ 35.3pp99.5%above the sector's middle half▲ 52.3pp
Current ratio0.23below the sector's middle half▲ 0.040.11below the sector's middle half▼ 0.130.19below the sector's middle half▲ 0.080.27below the sector's middle half▲ 0.08
Return on assets (ROA)-3.8%below the sector's middle half▲ 2.1pp-4.3%below the sector's middle half▼ 0.5pp6.0%within the sector's middle half▲ 10.3pp45.6%above the sector's middle half▲ 39.6pp9.8%within the sector's middle half▼ 35.8pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance 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 falls in 2025; 2025 is 86% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €57,246
Equity
€56,977 ▲ 11.0%
Debt
€269 ▼ 99.5%
Debt's share of the balance-sheet total falls from 52.8% to 0.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
9.9%▼
2024 · 96.6%
Debt ≤ 1 year
€269▼
2024 · €57,414
Income taxes
€1,879▼
2024 · €6,700
A ratio outside any meaningful range has been withheld (balance sheet total €57,246, equity €56,977).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €129,611 | €137,500 | ▲ 6.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,224 | €15,224 | €15,223 | €12,176 | €0 | ▼ 100% |
| Other operating charges640/8 | - | - | - | - | €593 | - |
| Non-recurring operating charges66A | - | - | - | - | €75,629 | - |
| Gross operating margin9900 | €9,538 | €10,507 | €24,265 | €69,148 | €84,121 | ▲ 21.7% |
| Operating profit (loss)9901 | -€5,686 | -€4,717 | €9,042 | €56,972 | €7,899 | ▼ 86.1% |
| Financial charges65/66B | €1,112 | €1,648 | €650 | €682 | €385 | ▼ 43.6% |
| Recurring financial charges65 | €1,112 | €1,648 | €650 | €682 | €385 | ▼ 43.6% |
| Profit (loss) for the period before taxes9903 | -€6,798 | -€6,365 | €8,392 | €56,290 | €7,514 | ▼ 86.7% |
| Income taxes67/77 | - | - | - | €6,700 | €1,879 | ▼ 72.0% |
| Profit (loss) for the period9904 | -€6,798 | -€6,365 | €8,392 | €49,590 | €5,635 | ▼ 88.6% |
| Profit (loss) for the period to be appropriated9905 | -€6,798 | -€6,365 | €8,392 | €49,590 | €5,635 | ▼ 88.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €178,822 | €148,517 | €140,548 | €108,756 | €57,246 | ▼ 47.4% |
| Fixed assets21/28 | €151,141 | €135,917 | €120,694 | €93,129 | €0 | ▼ 100% |
| Intangible fixed assets21 | €53,985 | €45,937 | €37,889 | €17,500 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €97,156 | €89,980 | €82,805 | €75,629 | €0 | ▼ 100% |
| Land and buildings22 | €88,888 | €82,984 | €77,081 | €71,177 | €0 | ▼ 100% |
| Furniture and vehicles24 | €8,268 | €6,996 | €5,724 | €4,452 | €0 | ▼ 100% |
| Current assets29/58 | €27,681 | €12,600 | €19,854 | €15,627 | €57,246 | ▲ 266% |
| Amounts receivable within one year40/41 | - | - | - | €800 | €6,421 | ▲ 703% |
| Other amounts receivable41 | - | - | - | €800 | €6,421 | ▲ 703% |
| Cash at bank and in hand54/58 | €1,404 | €2,449 | €1,913 | €13,254 | €50,825 | ▲ 283% |
| Deferred charges and accrued income490/1 | €26,277 | €10,151 | €17,941 | €1,573 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €178,822 | €148,517 | €140,548 | €108,756 | €57,246 | ▼ 47.4% |
| Equity10/15 | €14,725 | €8,360 | €16,752 | €51,342 | €56,977 | ▲ 11.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €704 | €704 | €704 | €704 | €38,377 | ▲ 5,351% |
| Non-distributable reserves130/1 | €704 | €704 | - | - | - | - |
| Reserves not available under the articles1311 | €704 | €704 | - | - | - | - |
| Distributable reserves133 | - | - | €704 | €704 | €38,377 | ▲ 5,351% |
| Profit (loss) carried forward14 | -€4,579 | -€10,944 | -€2,552 | €32,038 | €0 | ▼ 100% |
| Amounts payable17/49 | €164,097 | €140,157 | €123,796 | €57,414 | €269 | ▼ 99.5% |
| Amounts payable after more than one year17 | €23,238 | €13,063 | €2,643 | - | - | - |
| Financial debts170/4 | €23,238 | €13,063 | €2,643 | - | - | - |
| Amounts payable within one year42/48 | €119,059 | €118,625 | €104,053 | €57,414 | €269 | ▼ 99.5% |
| Current portion of amounts payable after more than one year42 | €9,935 | €10,175 | €10,419 | €2,644 | €0 | ▼ 100% |
| Trade debts44 | €124 | €450 | €734 | €370 | €269 | ▼ 27.3% |
| Suppliers440/4 | €124 | €450 | €734 | €370 | €269 | ▼ 27.3% |
| Other amounts payable47/48 | €109,000 | €108,000 | €92,900 | €54,400 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €21,800 | €8,469 | €17,100 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,798 | -€6,365 | €8,392 | €49,590 | €5,635 | ▼ 88.6% |
| + Depreciation and write-downs630 | €15,224 | €15,224 | €15,223 | €12,176 | €0 | ▼ 100% |
| Operating cash flow (approximation) | €8,426 | €8,859 | €23,615 | €61,766 | €5,635 | ▼ 90.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €15,389 | €93,129 | ▲ 505% |
| Change in cash | - | €1,045 | -€536 | €11,341 | €37,571 | ▲ 231% |
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
Next filing, fiscal year 2026, expected by
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Liquidity times 782current ratio 212.81
Current ratio from 0.27 to 212.81; short-term debt falls from €57,414 to €269.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Highest result since 2019net €49,590 ▲491%
Operating result €56,972, net result €49,590, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €8,392
Net result €8,392 after 3 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet -€11,150
Net result drops to -€11,150, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Jabbeke · 1 establishment unit since 2018
Ground area
767 m²
Building footprint
169 m²
Volume, LiDAR
939 m³
Parcel 31012B0593/00R002, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
FIDESCON
since 20182.277.940.971
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31012B0593/00R002 | Flanders | 767 m² | 1 · 169 m² | 10.7 m · 2 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 1,682 companies in sector 66191 we hold annual accounts for 1,230. 918 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
Founded09-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
64210Activities of holding companies
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
9925:BE0699746221
Registered
22-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.