FIDUAQ
ActiveFIDUAQ has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €146k. Equity is shrinking by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 7% of 12665 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency28=
Growth58=
Track record100
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
Nine 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
2.8%
Return on assets
85.1%
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 7% of 12665 sector peers (2025).
NBB · sector comparisonPosition among 12665 sector peers
Solvency
better than 7%
← weakest
strongest →
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
202122232425
2020 to 2025 · latest year €5k
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 22-04-2026, 100 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
100 d early
2024
182 d early
2023
153 d early
2022
66 d early
2021
60 d early
2020
28 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▲ 44.0%
2024 · €3k
2020: €5k
2021: €78k
2022: €161k
2023: €3k
2024: €3k
2020 → 2025
Total assets
€172k▲ 33.3%
2024 · €129k
2020: €88k
2021: €109k
2022: €184k
2023: €266k
2024: €129k
2020 → 2025
Net result
€146k▲ 33.4%
2024 · €110k
2020: €53k
2021: €73k
2022: €83k
2023: €90k
2024: €110k
2020 → 2025
Working capital
€5k▲ 51.9%
2024 · €3k
2020: €616
2021: €74k
2022: €156k
2023: €-486
2024: €3k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€78k-€161k▲ 106%€3k▼ 98.4%€3k▲ 32.3%€5k▲ 44.0%
Operating result€93k-€107k▲ 15.2%€115k▲ 7.4%€141k▲ 23.0%€191k▲ 35.2%
Net result€73k-€83k▲ 13.7%€90k▲ 8.6%€110k▲ 21.8%€146k▲ 33.4%
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 35% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €172k
Equity
€5k▲ 44.0%
Debt
€167k▲ 33.0%
The debt ratio falls from 97.4% to 97.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€191k▲
2024 · €144k
Cash flow
€147k▲
2024 · €113k
Solvency
2.8%▲
2024 · 2.6%
Current ratio
1.03▲
2024 · 1.03
Quick ratio
1.03▲
2024 · 1.03
Debt / equity
34.94▼
2024 · 37.83
ROA
85.1%▲
2024 · 85.0%
Interest coverage
269.31▼
2024 · 3080.86
Debt
€167k▲
2024 · €126k
Debt ≤ 1 year
€167k▲
2024 · €126k
Income taxes
€43k▲
2024 · €32k
A ratio outside any meaningful range has been withheld (balance sheet total €172k, equity €5k).
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€129k€172k▲
Fixed assets21/28€173-
Tangible fixed assets22/27€173-
Furniture and vehicles24€173-
Current assets29/58€129k€172k▲
Amounts receivable within one year40/41€18k€65k▲
Trade receivables40€18k€65k▲
Other amounts receivable41€543-
Cash at bank and in hand54/58€109k€106k▼
Deferred charges and accrued income490/1€1k€646▼
Equity and liabilities
Total equity and liabilities10/49€129k€172k▲
Equity10/15€3k€5k▲
Contributions10/11€2k€2k=
Reserves13€1k€3k▲
Distributable reserves133€1k€3k▲
Amounts payable17/49€126k€167k▲
Amounts payable within one year42/48€126k€167k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€15k€21k▲
Taxes450/3€15k€21k▲
Other amounts payable47/48€109k€145k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€173▼
Other operating charges640/8€1k€899▼
Gross operating margin9900€145k€192k▲
Operating profit (loss)9901€141k€191k▲
Financial income75/76B€984-
Recurring financial income75€984-
Financial charges65/66B€47€708▲
Recurring financial charges65€47€708▲
Profit (loss) for the period before taxes9903€142k€190k▲
Income taxes67/77€32k€43k▲
Profit (loss) for the period9904€110k€146k▲
Profit (loss) for the period to be appropriated9905€110k€146k▲
Appropriation of the result
Profit (loss) to be appropriated9906€110k€146k▲
Transfer to equity691/2€812€1k▲
To other reserves6921€812€1k▲
Profit to be distributed694/7€109k€145k▲
Return on contributions (dividend)694€109k€145k▲
The notes to these accounts (6 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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €146k ▲33.4%
Operating result €191k, net result €146k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 8.91
Current ratio from 4.37 to 8.91; short-term debt falls from €22k to €20k.
31-12
Financial
Equity above €150kEq €161k ▲106%
3 profitable years in a row build equity to €161k.
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity quadruplescurrent ratio 4.37
Current ratio from 1.01 to 4.37; short-term debt falls from €69k to €22k.
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sprimont · 1 establishment unit since 2020
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.
Rue de Wachiboux(DLX) 224140 SprimontGround area
4,826 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
-
since 20202.306.912.891
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62028B1191/00B000 | Wallonia | 4,821 m² | - | - |
| 62028C0789/00F006 | Wallonia | 5 m² | - | - |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
JVDCL
BE 1008.513.255
Wavre · Eq €5k
K-T.E.G Consult
BE 1010.684.867
Brecht · Eq €5k
Comptini
BE 0793.711.012
Amay · Eq €5k
Balansvogel
BE 1008.937.877
Lierde · Eq €5k
ACP ACCOUNTING & FINANCE
BE 0656.764.729
Sprimont · Eq €5k
Of 12,173 companies in sector 69201 we hold annual accounts for 7,639. 1,985 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2020
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesPhone:+3200000000
E-mail:fiduaq@gmail.com
Phone:0474/55.97.50