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, of which €137,500 non-recurring income. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 95% of 3,058 sector peers (NACE 66, financial year 2025). The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 09-07-2018 Normal situation
- Activity
- Agents and brokers in banking services NACE 66191and 2 others
- Establishment unit
- 2.277.940.971 8490 Jabbeke, since 09-07-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 22-12-2025
Board and ownership
Board
- BV KANTOOR KRIS DUMONDirector
- BV ZAKENKANTOOR PETER DOBBELAEREDirector
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €5,635
- ▼ 88.6%
- Equity
- €56,977
- ▲ 11.0%
- Total assets
- €57,246
- ▼ 47.4%
- 2025 accounts filed 18 days after the deadline
Signalsraises risk2025 accounts filed 18 days latelowers riskGrowing equityShow 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.
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
Two signals.
lowers riskraises risk
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
raises risk · 2025 accounts filed 18 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 7 filingsDeviation from the deadline
2025
18 days late
2024
30 days late
2023
12 days early
2022
25 days late
2021
11 days early
2020
31 days late
2019
31 days late
← 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 16 days after 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 18 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 18 days after the deadline Filed on 18 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00420042.
Annual accounts 2025 filed on 18-08-2026 at the NBB all 7 filings
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%
Multi-year overview
2019 to 2025, 7 financial yearsOperating result
€7,899
▼ 86.1%
2025
20192025
Net result
€5,635
▼ 88.6%
2025
middle half of the sector
20192025
Equity
€56,977
▲ 11.0%
2025
middle half of the sector
20192025
Total assets
€57,246
▼ 47.4%
2025
lowest quarter of the sector
20192025
Debt
€269
▼ 99.5%
2025
20192025
Working capital
€56,977
2025
middle half of the sector
20192025
Solvency
99.5%
▲ 52.3pp
2025
highest quarter of the sector
20192025
Current ratio
no figure
2025
20192025
Return on assets (ROA)
9.8%
▼ 35.8pp
2025
middle half of the sector
20192025
Staff (FTE)
no figure
2025
20192025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line2019202020212022202320242025
Operating result€14,101--€10,140-€5,686▲ 43.9%-€4,717▲ 17.0%€9,042€56,972▲ 530%€7,899▼ 86.1%
Net result€14,073--€11,150below the sector's middle half-€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€32,673-€21,523below the sector's middle half▼ 34.1%€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€216,306-€189,683within the sector's middle half▼ 12.3%€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€183,633-€168,160▼ 8.4%€164,097▼ 2.4%€140,157▼ 14.6%€123,796▼ 11.7%€57,414▼ 53.6%€269▼ 99.5%
Working capital-€126,742--€95,669below the sector's middle half▲ 24.5%-€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
Solvency15.1%-11.3%below the sector's middle half▼ 3.8pp8.2%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 ratio0.26-0.20below the sector's middle half▼ 0.070.23below 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)6.5%--5.9%below the sector's middle half▼ 12.4pp-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)0.5-0.2below the sector's middle half▼ 60.0%
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.
The operating result for 2025 is 86% lower than in 2024.
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
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 | 2019 | 2020 | 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 | €21,336 | €15,050 | €15,224 | €15,224 | €15,223 | €12,176 | €0 | ▼ 100% |
| Other operating charges640/8 | - | - | - | - | - | - | €593 | - |
| Non-recurring operating charges66A | - | - | - | - | - | - | €75,629 | - |
| Gross operating margin9900 | €61,849 | €17,152 | €9,538 | €10,507 | €24,265 | €69,148 | €84,121 | ▲ 21.7% |
| Operating profit (loss)9901 | €14,101 | -€10,140 | -€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 | €28 | €1,010 | €1,112 | €1,648 | €650 | €682 | €385 | ▼ 43.6% |
| Profit (loss) for the period before taxes9903 | €14,073 | -€11,150 | -€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 | €14,073 | -€11,150 | -€6,798 | -€6,365 | €8,392 | €49,590 | €5,635 | ▼ 88.6% |
| Profit (loss) for the period to be appropriated9905 | €14,073 | -€11,150 | -€6,798 | -€6,365 | €8,392 | €49,590 | €5,635 | ▼ 88.6% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €216,306 | €189,683 | €178,822 | €148,517 | €140,548 | €108,756 | €57,246 | ▼ 47.4% |
| Fixed assets21/28 | €171,415 | €166,365 | €151,141 | €135,917 | €120,694 | €93,129 | €0 | ▼ 100% |
| Intangible fixed assets21 | €59,908 | €62,033 | €53,985 | €45,937 | €37,889 | €17,500 | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €111,507 | €104,332 | €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 | €44,891 | €23,318 | €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 | €9,984 | €2,480 | €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 | €216,306 | €189,683 | €178,822 | €148,517 | €140,548 | €108,756 | €57,246 | ▼ 47.4% |
| Equity10/15 | €32,673 | €21,523 | €14,725 | €8,360 | €16,752 | €51,342 | €56,977 | ▲ 11.0% |
| Contributions10/11 | €18,600 | - | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €704 | €704 | €704 | €704 | €704 | €704 | €38,377 | ▲ 55× |
| Non-distributable reserves130/1 | - | - | €704 | €704 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €704 | €704 | - | - | - | - |
| Distributable reserves133 | - | - | - | - | €704 | €704 | €38,377 | ▲ 55× |
| Profit (loss) carried forward14 | €13,369 | €2,219 | -€4,579 | -€10,944 | -€2,552 | €32,038 | €0 | ▼ 100% |
| Amounts payable17/49 | €183,633 | €168,160 | €164,097 | €140,157 | €123,796 | €57,414 | €269 | ▼ 99.5% |
| Amounts payable after more than one year17 | - | €33,173 | €23,238 | €13,063 | €2,643 | - | - | - |
| Financial debts170/4 | - | - | €23,238 | €13,063 | €2,643 | - | - | - |
| Amounts payable within one year42/48 | €171,633 | €118,987 | €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 | €2,633 | €286 | €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 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,073 | -€11,150 | -€6,798 | -€6,365 | €8,392 | €49,590 | €5,635 | ▼ 88.6% |
| + Depreciation and write-downs630 | €21,336 | €15,050 | €15,224 | €15,224 | €15,223 | €12,176 | €0 | ▼ 100% |
| Operating cash flow (approximation) | €35,409 | €3,900 | €8,426 | €8,859 | €23,615 | €61,766 | €5,635 | ▼ 90.9% |
| Investment in fixed assets (approximation) | - | -€10,000 | €0 | €0 | €0 | €15,389 | €93,129 | ▲ 505% |
| Change in cash | - | -€7,504 | -€1,076 | €1,045 | -€536 | €11,341 | €37,571 | ▲ 231% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (7)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 18-08-2026 | 2026-00420042 | |
| 31-12-2024 | micro format | 30-08-2025 | 2025-00464031 | |
| 31-12-2023 | micro format | 19-07-2024 | 2024-00265843 | |
| 31-12-2022 | micro format | 25-08-2023 | 2023-00354442 | |
| 31-12-2021 | micro format | 20-07-2022 | 2022-20205902 | |
| 31-12-2020 | micro format | 31-08-2021 | 2021-62900401 | |
| 31-12-2019 | micro format | 31-08-2020 | 2020-48800389 |
Board & ownership
Directors
Directors
2 directors, last change in 2023
Board 2
BV KANTOOR KRIS DUMON
Current
Director (not named in the articles) · in office according to the act of 11-10-2023 · earlier director, until 11-10-2023 · term without a fixed end · Legal entity · permanent representative: Kris DUMON · listed in the 2025 annual accounts, filed on 18-08-2026
BV ZAKENKANTOOR PETER DOBBELAERE
Current
Director (not named in the articles) · in office according to the act of 11-10-2023 · earlier director, until 11-10-2023 · term without a fixed end · Legal entity · permanent representative: Peter DOBBELAERE · listed in the 2025 annual accounts, filed on 18-08-2026
Permanent representatives 2
Kris DUMON
Current
Permanent representative · in office according to the act of 11-10-2023 · for BV KANTOOR KRIS DUMON
Peter DOBBELAERE
Current
Permanent representative · in office according to the act of 11-10-2023 · for BV ZAKENKANTOOR PETER DOBBELAERE
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Artikel 15. Externe vertegenwoordiging van de vennootschap Iedere bestuurder vertegenwoordigt de vennootschap jegens derden en in rechte als…”
deed of 11-10-2023Owners and capital
Capital transactions
Capital over time
- 11-10-2023 Converted to unavailable equity · €18,600
Mandate history
2 people, 2 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| BV KANTOOR KRIS DUMON |
|
| BV ZAKENKANTOOR PETER DOBBELAERE |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Niet-statutaire bestuurders, herroepbaar ad nutum bij besluit van de algemene vergadering”
Articles of association, deed of 11-10-2023 (in Dutch)
Network & group
FIDESCON shares no director with another company.
Companies at the same address
2 other companiesConnections & network
2 current directorsThe network starts from the directors of FIDESCON. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
18-08
micro format · 18 days late
2025
31-12
Financial
Liquidity more than 781 timescurrent ratio 212.81
The current ratio rises from 0.27 to 212.81. Short-term debt falls from €57,414 to €269.
30-08
micro format · 30 days late
2024
31-12
Financial
Highest result from 2019 to 2025net €49,590 ▲491%
The operating result of €56,972 and the net result of €49,590 are both a record.
19-07
micro format · 12 days before the deadline
2023
31-12
Financial
Back to profitnet €8,392
The net result is €8,392, after 3 loss-making years.
11-10
Gazette deed
2 directors resigning, 2 reappointedResignations: BV ZAKENKANTOOR PETER DOBBELAERE (director) and BV KANTOOR KRIS DUMON (director) · Reappointments: BV ZAKENKANTOOR PETER DOBBELAERE (director) and BV KANTOOR KRIS DUMON (director) · Permanent representatives: Peter DOBBELAERE and Kris DUMON14 points ▸
Gazette deed
2 directors resigning, 2 reappointed
Resignations: BV ZAKENKANTOOR PETER DOBBELAERE (director) and BV KANTOOR KRIS DUMON (director) · Reappointments: BV ZAKENKANTOOR PETER DOBBELAERE (director) and BV KANTOOR KRIS DUMON (director) · Permanent representatives: Peter DOBBELAERE and Kris DUMON14 points ▸
- Director resignation, BV ZAKENKANTOOR PETER DOBBELAERE (director)
- Director resignation, BV KANTOOR KRIS DUMON (director)
- Director reappointment, BV ZAKENKANTOOR PETER DOBBELAERE (director (not named in the articles))
- Director reappointment, BV KANTOOR KRIS DUMON (director (not named in the articles))
- Permanent representative, Peter DOBBELAERE
- Permanent representative, Kris DUMON
- Other provision, “kwijting ontslagnemende bestuurders, algemene vergadering zal op volgende jaarvergadering beslissen over kwijting voor uitoefening van hun mandaat” (deed in Dutch)
- Registered office clause, “8490 Jabbeke,Constant Permekelaan 47” (deed in Dutch)
- General meeting, 15-09-2023
- Amendment of the articles, mentioned 3 times in the deed
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Other provision, “geen eigen vermogensrekening niet-opgevraagde inbrengen, aandelen volledig volstort” (deed in Dutch)
- The act holds 2 more points.
25-08
micro format · 25 days late
2022
20-07
micro format · 11 days before the deadline
2021
31-08
micro format · 31 days late
2020
31-12
Financial
Weakest financial yearnet -€11,150
The net result drops to -€11,150, the lowest from 2019 to 2025. It recovers the following year.
31-08
micro format · 31 days late
2018
11-07
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
FIDESCON in Dutch
Enterprise number
0699.746.221
Legal form
Private limited company
Status
Active, normale toestand
Founded
09-07-2018
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 11-10-2023 (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, administratieve zetels,agentschappen,werkhuizen,stapelplaatsen en bijkantoren in België of buitenland bij enkel besluit…”
deed of 11-10-2023 (in Dutch)Registered office and establishments
Registered office
Constant Permekelaan 47, 8490 Jabbeke, Belgium
Establishment unit
FIDESCON, Constant Permekelaan 47, 8490 Jabbeke since 09-07-2018 · unit number 2.277.940.971
Activities
NACEBEL 202566191
Agents and brokers in banking services main activity
64210
Activities of holding companies
66220
Insurance agents and brokers
Codes under NACEBEL 2008
66191
Agents and brokers in banking services main activity
64200
Holdings
66220
Activities auxiliary to financial services and insurance activities
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 11-10-2023 (in Dutch)
“De bemiddeling in bankdiensten,beleggingsdiensten en kredieten in hoedanigheid van bankagent,alsmede alle verrichtingen en alle diensten die…”
6 activities
- De bemiddeling in bankdiensten,beleggingsdiensten en kredieten in hoedanigheid van bankagent,alsmede alle verrichtingen en alle diensten die daarmee gepaard gaan of die behoren tot de gebruikelijke activiteit van de bankagent
- De bemiddeling in verzekeringen
- De opbouw van eigen roerend en onroerend vermogen,onder meer door het beheer,de aankoop,de verkoop,de uitwisseling,de commissie,de makelaardij,de huur,de erfpacht,de verhuur,de bouw,de exploitatie,de valorisering,de verdeling,de zaakwaarneming van onroerende goederen,van welke aard deze ook zijn
- Alle handelingen die rechtstreeks of onrechtstreeks kunnen bijdragen tot de verwezenlijking van haar maatschappelijk voorwerp
- Deelnemen in alle andere vennootschappen die een gelijkaardig of aanverwant doel nastreven of die bijdragen tot de verwezenlijking van haar doel,doch met uitdrukkelijke uitzondering voor wat betreft het optreden als zelfstandige bank-of spaarbankagent waarvoor een absolute exclusiviteit geld
- Optreden als bestuurder of als vereffenaar in andere vennootschappen
Invoicing and payment
VAT number
BE 0699.746.221
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.
First Friday of June at 15:00
deed of 11-10-2023 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
767 m²
Building footprint
169 m²
Building volume
939 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 31012B0593/00R002 | Flanders | 767 m² | 1 · 169 m² | 10.7 m · 2 |