FIDUBO
ActiveSummary
FIDUBO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €292k and a net result of €7k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 69% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-15
Solvency99=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 44.21; short-term debt: 2.2% and cash: 1.5% of total assets), and 26.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
73.5%
Return on assets
1.8%
Age of the figures
9 mo
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
1819202122232425
2018 to 2025 · latest year €292k
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
23 d early
2023
15 d early
2022
42 d early
2021
27 d early
2020
12 d early
2019
27 d late
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, micro schema
Equity
€292k▲ 2.5%
2024 · €285k
Total assets
€398k▲ 3.2%
2024 · €385k
Net result
€7k▼ 86.3%
2024 · €52k
Working capital
€381k▲ 2.0%
2024 · €373k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-52k▲ 24.7%€-27k▲ 48.7%€17k€47k▲ 172%€6k▼ 87.0%
Net result€-44k▲ 18.5%€-25k▲ 44.0%€19k€52k▲ 171%€7k▼ 86.3%
Equity€239k▼ 15.7%€214k▼ 10.4%€233k▲ 8.9%€285k▲ 22.2%€292k▲ 2.5%
Total assets€466k▼ 27.2%€427k▼ 8.3%€365k▼ 14.5%€385k▲ 5.6%€398k▲ 3.2%
Debt€57k▼ 67.8%€55k▼ 3.1%€14k▼ 74.9%€852▼ 93.8%€9k▲ 934%
Working capital€411k▲ 5.4%€362k▼ 11.9%€333k▼ 8.0%€373k▲ 12.1%€381k▲ 2.0%
Staff (FTE)
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 87% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €398k
Fixed assets
€8k ▼ 29.3%
Current assets
€390k ▲ 4.1%
Equity and liabilities €398k
Equity
€292k ▲ 2.5%
Provisions
€96k ▼ 2.8%
Debt
€9k ▲ 934%
Debt's share of the balance-sheet total rises from 0.2% to 2.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€9k▼
2024 · €51k
Cash flow
€10k▼
2024 · €56k
Current ratio
44.21
Debt to equity
0.03▲
2024 · 0.00
ROE
2.4%▼
2024 · 18.1%
ROA
1.8%▼
2024 · 13.4%
Interest coverage
32.14▼
2024 · 175.84
Debt ≤ 1 year
€9k▲
2024 · €852
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 | €11k | €12k | €8k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €3k | €4k | €4k | €3k | ▼ 20.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €1k | - | €5k | €1k | €22k | ▲ 2,071% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €1k | - | - | - | - | - |
| Other operating charges640/8 | €120 | €122 | €161 | €141 | €557 | ▲ 296% |
| Gross operating margin9900 | €-47k | €-23k | €26k | €52k | €32k | ▼ 39.1% |
| Operating profit (loss)9901 | €-52k | €-27k | €17k | €47k | €6k | ▼ 87.0% |
| Financial income75/76B | €178 | €2k | €2k | €5k | €1k | ▼ 75.5% |
| Recurring financial income75 | €178 | €2k | €2k | €5k | €1k | ▼ 75.5% |
| Financial charges65/66B | €1k | €544 | €455 | €292 | €291 | ▼ 0.1% |
| Recurring financial charges65 | €1k | €544 | €455 | €292 | €291 | ▼ 0.1% |
| Profit (loss) for the period before taxes9903 | €-53k | €-25k | €19k | €52k | €7k | ▼ 86.4% |
| Income taxes67/77 | €-8k | €193 | €-543 | €184 | - | - |
| Profit (loss) for the period9904 | €-44k | €-25k | €19k | €52k | €7k | ▼ 86.3% |
| Profit (loss) for the period to be appropriated9905 | €-44k | €-25k | €19k | €52k | €7k | ▼ 86.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €466k | €427k | €365k | €385k | €398k | ▲ 3.2% |
| Fixed assets21/28 | €2k | €10k | €18k | €11k | €8k | ▼ 29.3% |
| Tangible fixed assets22/27 | €2k | €10k | €18k | €11k | €8k | ▼ 29.3% |
| Land and buildings22 | - | - | €9k | €5k | €5k | ▼ 11.6% |
| Plant, machinery and equipment23 | €2k | €10k | €7k | €4k | €2k | ▼ 50.0% |
| Furniture and vehicles24 | - | €489 | €2k | €2k | €1k | ▼ 31.6% |
| Financial fixed assets28 | €4 | - | - | - | - | - |
| Current assets29/58 | €464k | €417k | €347k | €374k | €390k | ▲ 4.1% |
| Amounts receivable within one year40/41 | €298k | €269k | €266k | €366k | €383k | ▲ 4.7% |
| Trade receivables40 | €267k | €268k | €166k | €175k | €135k | ▼ 22.6% |
| Other amounts receivable41 | €31k | €1k | €100k | €191k | €248k | ▲ 29.7% |
| Current investments50/53 | - | €27k | €27k | - | - | - |
| Cash at bank and in hand54/58 | €165k | €120k | €54k | €8k | €6k | ▼ 22.8% |
| Deferred charges and accrued income490/1 | €395 | €420 | - | €460 | €480 | ▲ 4.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €466k | €427k | €365k | €385k | €398k | ▲ 3.2% |
| Equity10/15 | €239k | €214k | €233k | €285k | €292k | ▲ 2.5% |
| Contributions10/11 | €19k | €20k | €20k | €20k | €20k | = |
| Reserves13 | €312k | €310k | €310k | €310k | €310k | = |
| Non-distributable reserves130/1 | €2k | - | - | - | - | - |
| Reserves not available under the articles1311 | €2k | - | - | - | - | - |
| Tax-exempt reserves132 | €12k | €12k | €12k | €12k | €12k | = |
| Distributable reserves133 | €299k | €299k | €299k | €299k | €299k | = |
| Profit (loss) carried forward14 | €-91k | €-116k | €-97k | €-46k | €-38k | ▲ 15.5% |
| Provisions and deferred taxes16 | €170k | €158k | €118k | €99k | €96k | ▼ 2.8% |
| Provisions for liabilities and charges160/5 | €170k | €158k | €118k | €99k | €96k | ▼ 2.8% |
| Other liabilities and charges164/5 | €170k | €158k | €118k | €99k | €96k | ▼ 2.8% |
| Amounts payable17/49 | €57k | €55k | €14k | €852 | €9k | ▲ 934% |
| Amounts payable within one year42/48 | €53k | €55k | €14k | €852 | €9k | ▲ 934% |
| Trade debts44 | €45k | €49k | €4k | €852 | €508 | ▼ 40.5% |
| Suppliers440/4 | €45k | €49k | €4k | €852 | €508 | ▼ 40.5% |
| Taxes, remuneration and social security45 | €53 | - | €109 | - | €5 | - |
| Taxes450/3 | €53 | - | €109 | - | €5 | - |
| Other amounts payable47/48 | €7k | €6k | €10k | - | €8k | - |
| Accrued charges and deferred income492/3 | €4k | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-44k | €-25k | €19k | €52k | €7k | ▼ 86.3% |
| + Depreciation and write-downs630 | €2k | €3k | €4k | €4k | €3k | ▼ 20.6% |
| Operating cash flow (approximation) | €-42k | €-21k | €23k | €56k | €10k | ▼ 81.6% |
| Investment in fixed assets (approximation) | - | €-11k | €-12k | €3k | €0 | ▼ 100% |
| Change in cash | - | €-45k | €-66k | €-46k | €-2k | ▲ 96.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 17current ratio 439.06
Current ratio from 25.19 to 439.06; short-term debt falls from €14k to €852.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €19k
Net result €19k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 25.19
Current ratio from 7.59 to 25.19; short-term debt falls from €55k to €14k.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 8.76
Current ratio from 3.22 to 8.76; short-term debt falls from €176k to €53k.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-55k
Net result drops to €-55k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €77k
Net result €77k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.27
Current ratio from 1.11 to 3.27; short-term debt falls from €252k to €202k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Berlare · 1 establishment unit since 1989
Ground area
928 m²
Building footprint
222 m²
Volume, LiDAR
1,293 m³
Parcel 42003A0759/00F000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FIDUBO BVBA
since 19892.197.155.017
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42003A0759/00F000 | Flanders | 928 m² | 1 · 222 m² | 9.4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 4,630 EUR awarded · 4,846 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,328 EUR | 1,328 EUR |
| 2024 | 1 | 1,064 EUR | 1,064 EUR |
| 2023 | 1 | 971 EUR | 1,345 EUR |
| 2022 | 1 | 1,267 EUR | 1,109 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,078 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
Founded19-01-1989
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Scores and ratios are computed by Checked and are not a credit decision.