FIDUCA A&B
ActiveFIDUCA A&B has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €438k and a net result of €10k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 90% of 3257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▲+3
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 9.75 against 11.78 in 2024), and 10.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
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
89.7%
Return on assets
2%
Age of the figures
15 mo
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-07-2026, 176 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
176 d late
2024
6 d late
2023
8 d late
2022
on the day
2021
7 d early
2020
6 d early
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€438k▲ 2.3%
2024 · €428k
2019: €400k
2020: €405k
2021: €415k
2022: €415k
2023: €422k
2024: €428k
2019 → 2025
Total assets
€489k▲ 4.3%
2024 · €469k
2019: €452k
2020: €463k
2021: €468k
2022: €444k
2023: €448k
2024: €469k
2019 → 2025
Net result
€10k▲ 48.5%
2024 · €7k
2019: €45k
2020: €8k
2021: €15k
2022: €596
2023: €6k
2024: €7k
2019 → 2025
Working capital
€439k▲ 2.3%
2024 · €429k
2019: €398k
2020: €404k
2021: €414k
2022: €415k
2023: €422k
2024: €429k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€415k-€415k▲ 0.1%€422k▲ 1.5%€428k▲ 1.6%€438k▲ 2.3%
Operating result€18k-€222▼ 98.8%€11k▲ 4,693%€-6k€9k
Net result€15k-€596▼ 96.0%€6k▲ 972%€7k▲ 4.2%€10k▲ 48.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9k after a loss of €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €489k
Fixed assets
€31▼ 80.2%
Current assets
€489k▲ 4.4%
Equity and liabilities €489k
Equity
€438k▲ 2.3%
Debt
€51k▲ 25.8%
The debt ratio rises from 8.6% to 10.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€9k▲
2024 · €-5k
Cash flow
€10k▲
2024 · €7k
Solvency
89.7%▼
2024 · 91.4%
Current ratio
9.75▼
2024 · 11.78
Quick ratio
9.75▼
2024 · 11.78
Debt / equity
0.12▲
2024 · 0.09
ROE
2.3%▲
2024 · 1.6%
ROA
2.0%▲
2024 · 1.4%
Interest coverage
33.70▲
2024 · -14.63
Debt
€51k▲
2024 · €40k
Debt ≤ 1 year
€50k▲
2024 · €40k
Income taxes
€3k▼
2024 · €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€469k€489k▲
Fixed assets21/28€157€31▼
Tangible fixed assets22/27€126-
Furniture and vehicles24€99-
Other tangible fixed assets26€26-
Financial fixed assets28€31€31=
Current assets29/58€468k€489k▲
Amounts receivable within one year40/41€23k€43k▲
Trade receivables40€17k€23k▲
Other amounts receivable41€6k€20k▲
Current investments50/53€391k€390k▼
Cash at bank and in hand54/58€41k€54k▲
Deferred charges and accrued income490/1€13k€2k▼
Equity and liabilities
Total equity and liabilities10/49€469k€489k▲
Equity10/15€428k€438k▲
Contributions10/11€154k€154k=
Reserves13€275k€285k▲
Non-distributable reserves130/1€15k€15k=
Reserves not available under the articles1311€15k€15k=
Distributable reserves133€260k€269k▲
Amounts payable17/49€40k€51k▲
Amounts payable within one year42/48€40k€50k▲
Trade debts44€34k€45k▲
Suppliers440/4€34k€45k▲
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Other amounts payable47/48-€538
Accrued charges and deferred income492/3€384€400▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€244€26▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-4k€10k▲
Operating profit (loss)9901€-6k€9k▲
Financial income75/76B€18k€4k▼
Recurring financial income75€18k€4k▼
Financial charges65/66B€362€270▼
Recurring financial charges65€362€270▼
Profit (loss) for the period before taxes9903€12k€13k▲
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€7k€10k▲
Profit (loss) for the period to be appropriated9905€7k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€10k▲
Transfer to equity691/2€7k€10k▲
To other reserves6921€7k€10k▲
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
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 176 days late
2025
06-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
08-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 8 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Weakest financial yearnet €596 ▼96%
Net result drops to €596, the lowest in the series; recovery starts the following year.
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
28-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 57 days late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Denderleeuw · 1 establishment unit since 1985
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.
Landuitstraat 209-2119470 DenderleeuwGround area
459 m²
Building footprint
240 m²
Volume, LiDAR
1,323 m³
Parcel 41402B0567/00B002, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Landuitstraat 209, 9470 Denderleeuw
since 19852.027.520.724
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41402B0567/00B002 | Flanders | 459 m² | 1 · 239 m² | 10.9 m · 2 fl. |
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
2022 to 2023 · 2 entries · 223 EUR awarded · 223 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 97 EUR | 97 EUR |
| 2022 | 1 | 126 EUR | 126 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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GROUPE LIFAP -COFISIM, FIDUCIAIRE
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SERVICES MANAGEMENT FORMATION
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Ans · Eq €438k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 5,632 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-07-1985
Fiscal year end30-06
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.