FIDU-MA
ActiveFIDU-MA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €107k. Equity is growing by ~66.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 12708 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency26▼-74
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
0.8%
Return on assets
34.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12708 sector peers (2025).
NBB · sector comparisonPosition among 12708 sector peers
Solvency
better than 5%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
62 d late
2023
27 d late
2022
36 d late
2021
31 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 98.8%
2024 · €208k
2021: €26k
2022: €73k
2023: €126k
2024: €208k
2021 → 2025
Total assets
€309k▲ 14.5%
2024 · €270k
2021: €56k
2022: €113k
2023: €198k
2024: €270k
2021 → 2025
Net result
€107k▲ 28.3%
2024 · €83k
2021: €25k
2022: €47k
2023: €54k
2024: €83k
2021 → 2025
Working capital
€-23k
2024 · €190k
2021: €23k
2022: €57k
2023: €110k
2024: €190k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€73k▲ 176%€126k▲ 73.3%€208k▲ 65.2%€3k▼ 98.8%
Operating result€34k-€63k▲ 85.3%€77k▲ 20.6%€116k▲ 51.8%€147k▲ 26.4%
Net result€25k-€47k▲ 87.0%€54k▲ 14.9%€83k▲ 53.2%€107k▲ 28.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 26% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €309k
Fixed assets
€25k▲ 30.0%
Current assets
€284k▲ 13.3%
Equity and liabilities €309k
Equity
€3k▼ 98.8%
Debt
€307k▲ 393%
The debt ratio rises from 23.0% to 99.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€152k▲
2024 · €120k
Cash flow
€112k▲
2024 · €87k
Solvency
0.8%▼
2024 · 77.0%
Current ratio
0.93▼
2024 · 4.09
Quick ratio
0.93▼
2024 · 4.09
ROA
34.4%▲
2024 · 30.7%
Interest coverage
43.85▲
2024 · 35.52
Debt
€307k▲
2024 · €62k
Debt ≤ 1 year
€307k▲
2024 · €61k
Income taxes
€38k▲
2024 · €31k
A ratio outside any meaningful range has been withheld (balance sheet total €309k, equity €3k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€270k€309k▲
Fixed assets21/28€19k€25k▲
Tangible fixed assets22/27€19k€24k▲
Land and buildings22€10k€9k▼
Plant, machinery and equipment23€285€77▼
Furniture and vehicles24€9k€15k▲
Financial fixed assets28-€1k
Current assets29/58€251k€284k▲
Amounts receivable within one year40/41€71k€86k▲
Trade receivables40€71k€85k▲
Other amounts receivable41€67€1k▲
Cash at bank and in hand54/58€179k€197k▲
Deferred charges and accrued income490/1€734€1k▲
Equity and liabilities
Total equity and liabilities10/49€270k€309k▲
Equity10/15€208k€3k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€206k€560▼
Amounts payable17/49€62k€307k▲
Amounts payable within one year42/48€61k€307k▲
Financial debts43€36€763▲
Credit institutions430/8-€763
Other loans439€36-
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€43k€28k▼
Taxes450/3€43k€28k▼
Other amounts payable47/48€14k€272k▲
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€252€985▲
Gross operating margin9900€120k€153k▲
Operating profit (loss)9901€116k€147k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€114k€145k▲
Income taxes67/77€31k€38k▲
Profit (loss) for the period9904€83k€107k▲
Profit (loss) for the period to be appropriated9905€83k€107k▲
Appropriation of the result
Profit (loss) to be appropriated9906€207k€313k▲
Profit (loss) brought forward from the previous period14P€124k€206k▲
Profit to be distributed694/7€954€312k▲
Return on contributions (dividend)694€954€312k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €107k ▲28.3%
Operating result €147k, net result €107k, both a record.
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 62 days late
2024
31-12
Financial
Equity above €200kEq €208k ▲65.2%
4 profitable years in a row build equity to €208k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Equity above €100kEq €126k ▲73.3%
3 profitable years in a row build equity to €126k.
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 36 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Herent · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Potestraat 763020 HerentGround area
693 m²
Building footprint
126 m²
Volume, LiDAR
1 m³
Parcel 24127A0384/00V000, Flanders · tallest building 0.2 m. Linked by address, not a title deed.
1 establishment unit
ACCOUNTANTSKANTOOR FIDU-MA
since 20212.311.735.474
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24127A0384/00V000 | Flanders | 693 m² | 1 · 126 m² | 0.2 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 441 EUR awarded · 441 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 60 EUR | 60 EUR |
| 2024 | 1 | 195 EUR | 195 EUR |
| 2023 | 1 | 186 EUR | 186 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
FRO CONSULTANCE
BE 0759.991.832
Nivelles · Eq €3k
Dujardin Bruno
BE 1031.727.731
Elsene · Eq €3k
MDS ACCOUNTING
BE 0733.607.337
Wemmel · Eq €3k
ASSOCIATED BUSINESS COUNSELLORS
BE 0818.182.726
Gent · Eq €3k
LT Comptabilité-Fiscalité
BE 1007.627.486
Neufchâteau · Eq €3k
Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 1,256 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2021
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.