FIDUCCOM
ActiveSummary
FIDUCCOM has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€41,291) and a net result of -€8,180. Equity is shrinking by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 15375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency0=
Growth42=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.44 against 0.55 in 2023; short-term debt: 226.5% and cash: 51.4% of total assets), and equity is negative.
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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
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-126.5%
Return on assets
-25.1%
Age of the figures
21 mo
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
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
181920212324
2018 to 2024 · latest year -€41,291
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
122 d late
2021
31 d late
2020
31 d late
2019
92 d late
2018
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 61 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
€48,340▼ 4.1%
2019 · €50,400
EBIT margin
30.8%▲ 43.5pp
2019 · -12.7%
Net result
-€8,180▲ 48.5%
2023 · -€15,874
Working capital
-€41,291▼ 24.7%
2023 · -€33,111
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202120232024
Turnover€50,400▲ 21.4%€48,340▼ 4.1%
Operating result-€6,416€14,886-€9,336-€22,041--€8,241▲ 62.6%
Net result-€2,021€14,549within the sector's middle half-€7,181below the sector's middle half-€15,874below the sector's middle half--€8,180below the sector's middle half▲ 48.5%
EBIT margin-12.7%▼ 37.9pp30.8%▲ 43.5pp
Equity-€15,170▼ 15.4%-€621below the sector's middle half▲ 95.9%-€7,802below the sector's middle half▼ 1,157%-€33,111below the sector's middle half--€41,291below the sector's middle half▼ 24.7%
Total assets€26,023▲ 14.2%€43,626below the sector's middle half▲ 67.6%€50,383below the sector's middle half▲ 15.5%€39,952below the sector's middle half-€32,634below the sector's middle half▼ 18.3%
Debt€41,193▲ 14.6%€44,247▲ 7.4%€58,185▲ 31.5%€73,063-€73,925▲ 1.2%
Working capital-€15,380▼ 11.7%-€1,026below the sector's middle half▲ 93.3%-€7,802below the sector's middle half▼ 660%-€33,111below the sector's middle half--€41,291below the sector's middle half▼ 24.7%
Solvency-58.3%▼ 0.6pp-1.4%below the sector's middle half▲ 56.9pp-15.5%below the sector's middle half▼ 14.1pp-82.9%below the sector's middle half--126.5%below the sector's middle half▼ 43.7pp
Current ratio0.62▲ 0.010.98below the sector's middle half▲ 0.360.87below the sector's middle half▼ 0.110.55below the sector's middle half-0.44below the sector's middle half▼ 0.11
Return on assets (ROA)-7.8%▼ 54.3pp33.4%above the sector's middle half▲ 41.1pp-14.3%below the sector's middle half▼ 47.6pp-39.7%below the sector's middle half--25.1%below the sector's middle half▲ 14.7pp
Staff (FTE)1below the sector's middle half1=1-1=
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8,241 in 2024 against €22,041 in 2023; the loss shrinks.
Key figures and ratios
Debt to equity
-1.79▲
2023 · -2.21
Debt ≤ 1 year
€73,925▲
2023 · €73,063
Staff costs
€33,396▲
2023 · €32,985
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,940 companies that looked in July 2024 the way this one looks now, 5.5% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.5%
went bankrupt
8.0%
stopped otherwise
85%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,940 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €50,400 | €48,340 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €28,509 | €34,396 | €41,412 | ▲ 20.4% |
| Remuneration, social security and pensions62 | - | - | €31,169 | €32,985 | €33,396 | ▲ 1.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €405 | €405 | €405 | - | - | - |
| Other operating charges640/8 | - | - | €933 | €182 | €1,048 | ▲ 476% |
| Gross operating margin9900 | €21,492 | €22,636 | €23,172 | €11,125 | €26,203 | ▲ 136% |
| Operating profit (loss)9901 | -€6,416 | €14,886 | -€9,336 | -€22,041 | -€8,241 | ▲ 62.6% |
| Financial income75/76B | - | - | €5,409 | €6,573 | €571 | ▼ 91.3% |
| Recurring financial income75 | €4,595 | €1,383 | €5,409 | €6,130 | €395 | ▼ 93.6% |
| Non-recurring financial income76B | - | - | - | €443 | €175 | ▼ 60.4% |
| Financial charges65/66B | - | - | €3,255 | €405 | €509 | ▲ 25.6% |
| Recurring financial charges65 | €240 | €1,719 | €191 | €405 | €263 | ▼ 35.1% |
| Non-recurring financial charges66B | - | - | €3,064 | - | €246 | - |
| Profit (loss) for the period before taxes9903 | -€2,021 | €14,549 | -€7,181 | -€15,874 | -€8,180 | ▲ 48.5% |
| Profit (loss) for the period9904 | -€2,021 | €14,549 | -€7,181 | -€15,874 | -€8,180 | ▲ 48.5% |
| Profit (loss) for the period to be appropriated9905 | -€2,021 | €14,549 | -€7,181 | -€15,874 | -€8,180 | ▲ 48.5% |
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €26,023 | €43,626 | €50,383 | €39,952 | €32,634 | ▼ 18.3% |
| Fixed assets21/28 | €810 | €405 | - | - | - | - |
| Tangible fixed assets22/27 | €810 | €405 | - | - | - | - |
| Current assets29/58 | €25,213 | €43,221 | €50,383 | €39,952 | €32,634 | ▼ 18.3% |
| Amounts receivable within one year40/41 | €1,282 | - | €9,113 | €3,705 | €14,134 | ▲ 282% |
| Trade receivables40 | - | - | €9,113 | €3,705 | €14,134 | ▲ 282% |
| Cash at bank and in hand54/58 | €19,858 | €42,247 | €39,647 | €34,541 | €16,767 | ▼ 51.5% |
| Deferred charges and accrued income490/1 | - | - | €1,623 | €1,707 | €1,734 | ▲ 1.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €26,023 | €43,626 | €50,383 | €39,952 | €32,634 | ▼ 18.3% |
| Equity10/15 | -€15,170 | -€621 | -€7,802 | -€33,111 | -€41,291 | ▼ 24.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | - | €18,600 | €18,600 | €18,600 | = |
| Issued capital100 | - | - | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€33,770 | -€19,221 | -€26,402 | -€51,711 | -€59,891 | ▼ 15.8% |
| Amounts payable17/49 | €41,193 | €44,247 | €58,185 | €73,063 | €73,925 | ▲ 1.2% |
| Amounts payable after more than one year17 | €600 | - | - | - | - | - |
| Amounts payable within one year42/48 | €40,593 | €44,247 | €58,185 | €73,063 | €73,925 | ▲ 1.2% |
| Trade debts44 | €2,188 | €3,691 | €3,395 | €3,540 | €3,300 | ▼ 6.8% |
| Suppliers440/4 | - | - | €3,395 | €3,540 | €3,300 | ▼ 6.8% |
| Taxes, remuneration and social security45 | - | - | €10,697 | €10,087 | €11,501 | ▲ 14.0% |
| Taxes450/3 | - | - | €2,405 | €963 | €2,112 | ▲ 119% |
| Remuneration and social security454/9 | - | - | €8,292 | €9,124 | €9,389 | ▲ 2.9% |
| Other amounts payable47/48 | - | - | €44,093 | €59,437 | €59,124 | ▼ 0.5% |
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,021 | €14,549 | -€7,181 | -€15,874 | -€8,180 | ▲ 48.5% |
| + Depreciation and write-downs630 | €405 | €405 | €405 | - | - | - |
| Operating cash flow (approximation) | -€1,616 | €14,954 | -€6,776 | -€15,874 | -€8,180 | ▲ 48.5% |
| Investment in fixed assets (approximation) | - | €0 | - | - | - | - |
| Change in cash | - | €22,389 | -€2,600 | - | -€17,774 | - |
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
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 122 days late
2023
31-12
Financial
Weakest financial yearnet -€15,874
Net result drops to -€15,874, the lowest in the series; recovery starts the following year.
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Back to profitnet €14,549
Net result €14,549 after one loss-making year.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 92 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 59 days late
2016
23-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 54 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Sint-Agatha-Berchem · 2 establishment units since 2013
Ground area
702 m²
Building footprint
461 m²
Volume, LiDAR
10,212 m³
2 parcels, Brussels · tallest building 33.2 m, ±10 floors. Linked by address, not a title deed.
2 establishment units
Fiduccom
since 20132.225.091.611
FIDUCCOM CENTRE D'ENTREPRISES
since 20172.287.587.325
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21011A0017/00M000 | Brussels | 416 m² | 1 · 346 m² | 33.2 m · 10 fl. |
| 21342B0091/00F005 | Brussels | 286 m² | 1 · 116 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 12,174 companies in sector 69201 we hold annual accounts for 7,641. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded24-09-2013
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Contact
E-mail
fiduccom@gmail.comSint-Agatha-Berchem
Phone
02/3100675Sint-Agatha-Berchem
Fax
02/3100675Sint-Agatha-Berchem
Phone
0485966106Koekelberg
E-invoicing
Reachable via Peppol
Peppol ID
0208:0538869147
Also
9925:BE0538869147
Registered
15-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.