FIDUBRA
ActiveSummary
FIDUBRA has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €461k and a net result of €12k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 77% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability43▲+13
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 5.19 against 6.14 in 2023; short-term debt: 19.3% and cash: 87.1% of total assets), and 19.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
96 d late
2022
151 d late
2021
31 d late
2020
291 d late
2019
87 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€461k▲ 2.7%
2023 · €448k
2018: €353klowest in 7 years
2019: €397k▲ +12.5% vs 2018
2020: €430k▲ +8.3% vs 2019
2021: €466k▲ +8.3% vs 2020highest in 7 years
2022: €465k▼ -0.1% vs 2021
2023: €448k▼ -3.7% vs 2022
2024: €461k▲ +2.7% vs 2023
2018 → 2024
Total assets
€571k▲ 6.6%
2023 · €535k
2018: €478klowest in 7 years
2019: €518k▲ +8.4% vs 2018
2020: €544k▲ +4.9% vs 2019
2021: €607k▲ +11.6% vs 2020highest in 7 years
2022: €554k▼ -8.6% vs 2021
2023: €535k▼ -3.4% vs 2022
2024: €571k▲ +6.6% vs 2023
2018 → 2024
Net result
€12k
2023 · €-17k
2018: €41k
2019: €44k▲ +7.0% vs 2018highest in 7 years
2020: €33k▼ -25.5% vs 2019
2021: €36k▲ +8.1% vs 2020
2022: €-627▼ -102% vs 2021
2023: €-17k▼ -2612% vs 2022lowest in 7 years
2024: €12k▲ +172% vs 2023
2018 → 2024
Working capital
€461k▲ 2.7%
2023 · €448k
2018: €348klowest in 7 years
2019: €395k▲ +13.6% vs 2018
2020: €428k▲ +8.3% vs 2019
2021: €504k▲ +17.8% vs 2020highest in 7 years
2022: €465k▼ -7.7% vs 2021
2023: €448k▼ -3.7% vs 2022
2024: €461k▲ +2.7% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€430k-€466k▲ 8.3%€465k▼ 0.1%€448k▼ 3.7%€461k▲ 2.7%
2020: €430klowest in 5 years
2021: €466k▲ +8.3% vs 2020highest in 5 years
2022: €465k▼ -0.1% vs 2021
2023: €448k▼ -3.7% vs 2022
2024: €461k▲ +2.7% vs 2023
Operating result€55k-€59k▲ 7.5%€7k▼ 88.8%€-12k€22k
2020: €55k
2021: €59k▲ +7.5% vs 2020highest in 5 years
2022: €7k▼ -88.8% vs 2021
2023: €-12k▼ -284% vs 2022lowest in 5 years
2024: €22k▲ +283% vs 2023
Net result€33k-€36k▲ 8.1%€-627€-17k▼ 2,612%€12k
2020: €33k
2021: €36k▲ +8.1% vs 2020highest in 5 years
2022: €-627▼ -102% vs 2021
2023: €-17k▼ -2612% vs 2022lowest in 5 years
2024: €12k▲ +172% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €22k after a loss of €12k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €571k
Equity
€461k ▲ 2.7%
Debt
€110k ▲ 26.1%
Debt's share of the balance-sheet total rises from 16.3% to 19.3%. Equity and debt are higher.
Key figures and ratios
Current ratio
5.19▼
2023 · 6.14
Debt to equity
0.24▲
2023 · 0.19
ROE
2.7%▲
2023 · -3.8%
ROA
2.2%▲
2023 · -3.2%
Debt ≤ 1 year
€110k▲
2023 · €87k
Income taxes
€6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 40 lines
Balance sheet
Code20232024
Assets
Total assets20/58€535k€571k▲
Current assets29/58€535k€571k▲
Amounts receivable within one year40/41€105k€72k▼
Trade receivables40€94k€62k▼
Other amounts receivable41€12k€10k▼
Cash at bank and in hand54/58€428k€497k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€535k€571k▲
Equity10/15€448k€461k▲
Contributions10/11€137k€137k=
Capital10€137k€137k=
Issued capital100€137k€137k=
Reserves13€329k€341k▲
Non-distributable reserves130/1€14k€14k=
Legal reserve130€14k€14k=
Distributable reserves133€315k€327k▲
Profit (loss) carried forward14€-18k€-18k=
Amounts payable17/49€87k€110k▲
Amounts payable within one year42/48€87k€110k▲
Trade debts44€12k€19k▲
Suppliers440/4€12k€19k▲
Taxes, remuneration and social security45€890€4k▲
Taxes450/3€890€4k▲
Other amounts payable47/48€74k€88k▲
Income statement
Code20232024
Other operating charges640/8€390€387▼
Non-recurring operating charges66A€39k€12k▼
Gross operating margin9900€27k€34k▲
Operating profit (loss)9901€-12k€22k▲
Financial income75/76B-€958
Recurring financial income75-€958
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€-17k€18k▲
Income taxes67/77-€6k
Profit (loss) for the period9904€-17k€12k▲
Profit (loss) for the period to be appropriated9905€-17k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-5k▲
Profit (loss) brought forward from the previous period14P€-627€-18k▼
Transfer to equity691/2-€12k
To other reserves6921-€12k
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €13k | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2k | €2k | €449 | - | - | - |
| Other operating charges640/8 | €589 | €404 | €378 | €390 | €387 | ▼ 0.8% |
| Non-recurring operating charges66A | - | €8k | €22k | €39k | €12k | ▼ 70.0% |
| Gross operating margin9900 | €70k | €69k | €30k | €27k | €34k | ▲ 26.0% |
| Operating profit (loss)9901 | €55k | €59k | €7k | €-12k | €22k | ▲ 283% |
| Financial income75/76B | €0 | €1 | €657 | - | €958 | - |
| Recurring financial income75 | €0 | €1 | €657 | - | €958 | - |
| Financial charges65/66B | €4k | €4k | €3k | €5k | €5k | ▲ 0.7% |
| Recurring financial charges65 | €4k | €4k | €3k | €5k | €5k | ▲ 0.7% |
| Profit (loss) for the period before taxes9903 | €50k | €54k | €4k | €-17k | €18k | ▲ 206% |
| Income taxes67/77 | €17k | €19k | €5k | - | €6k | - |
| Profit (loss) for the period9904 | €33k | €36k | €-627 | €-17k | €12k | ▲ 172% |
| Profit (loss) for the period to be appropriated9905 | €33k | €36k | €-627 | €-17k | €12k | ▲ 172% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €544k | €607k | €554k | €535k | €571k | ▲ 6.6% |
| Fixed assets21/28 | €2k | €449 | - | - | - | - |
| Tangible fixed assets22/27 | €2k | €449 | - | - | - | - |
| Plant, machinery and equipment23 | €2k | €449 | - | - | - | - |
| Current assets29/58 | €542k | €606k | €554k | €535k | €571k | ▲ 6.6% |
| Amounts receivable within one year40/41 | €181k | €128k | €103k | €105k | €72k | ▼ 32.1% |
| Trade receivables40 | €174k | €121k | €101k | €94k | €62k | ▼ 33.6% |
| Other amounts receivable41 | €7k | €8k | €2k | €12k | €10k | ▼ 20.3% |
| Cash at bank and in hand54/58 | €359k | €476k | €450k | €428k | €497k | ▲ 16.1% |
| Deferred charges and accrued income490/1 | €2k | €2k | €2k | €2k | €2k | ▲ 0.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €544k | €607k | €554k | €535k | €571k | ▲ 6.6% |
| Equity10/15 | €430k | €466k | €465k | €448k | €461k | ▲ 2.7% |
| Contributions10/11 | €137k | €137k | €137k | €137k | €137k | = |
| Capital10 | €137k | €137k | €137k | €137k | €137k | = |
| Issued capital100 | €137k | €137k | €137k | €137k | €137k | = |
| Reserves13 | €293k | €329k | €329k | €329k | €341k | ▲ 3.7% |
| Non-distributable reserves130/1 | €14k | €14k | €14k | €14k | €14k | = |
| Legal reserve130 | €14k | €14k | €14k | €14k | €14k | = |
| Distributable reserves133 | €280k | €315k | €315k | €315k | €327k | ▲ 3.9% |
| Profit (loss) carried forward14 | - | - | €-627 | €-18k | €-18k | = |
| Amounts payable17/49 | €113k | €141k | €89k | €87k | €110k | ▲ 26.1% |
| Amounts payable within one year42/48 | €113k | €102k | €89k | €87k | €110k | ▲ 26.1% |
| Trade debts44 | €25k | €4k | €10k | €12k | €19k | ▲ 49.7% |
| Suppliers440/4 | €25k | €4k | €10k | €12k | €19k | ▲ 49.7% |
| Taxes, remuneration and social security45 | €3k | €21k | €5k | €890 | €4k | ▲ 301% |
| Taxes450/3 | €3k | €21k | €5k | €890 | €4k | ▲ 301% |
| Other amounts payable47/48 | €86k | €78k | €73k | €74k | €88k | ▲ 18.9% |
| Accrued charges and deferred income492/3 | - | €39k | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33k | €36k | €-627 | €-17k | €12k | ▲ 172% |
| + Depreciation and write-downs630 | €2k | €2k | €449 | - | - | - |
| Operating cash flow (approximation) | €35k | €37k | €-178 | €-17k | €12k | ▲ 172% |
| Investment in fixed assets (approximation) | - | €0 | - | - | - | - |
| Change in cash | - | €117k | €-26k | €-22k | €69k | ▲ 416% |
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
04-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 96 days late
2023
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
29-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 151 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
18-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 291 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Highest result since 2018net €44k ▲7%
Operating result €75k, net result €44k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
17-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 48 days late
2017
31-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 153 days late
2016
17-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 78 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Halle · 1 establishment unit since 1991
Ground area
279 m²
Building footprint
176 m²
Volume, LiDAR
2,368 m³
Parcel 23027G0043/00B000, Flanders · tallest building 17.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Zuster Bernardastraat 2 A, 1500 Halle
since 19912.055.082.382
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23027G0043/00B000 | Flanders | 279 m² | 2 · 176 m² | 17.4 m · 5 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 111 EUR awarded · 111 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 111 EUR | 111 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. 5,596 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded14-11-1991
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.