FIDUCTO
ActiveFIDUCTO has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €175k and a net result of €12k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▲+20
Solvency66▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.47 against 2.21 in 2024; short-term debt: 33.4% and cash: 4.4% of total assets), but 59.1% 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○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
40.9%
Return on assets
2.7%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-03-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
34 d late
2023
on the day
2022
5 d early
2021
32 d late
2020
20 d late
2019
18 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€175k▲ 7.1%
2024 · €164k
2018: €105k
2019: €118k
2020: €126k
2021: €129k
2022: €135k
2023: €157k
2024: €164k
2018 → 2025
Total assets
€428k▼ 15.9%
2024 · €509k
2018: €269k
2019: €278k
2020: €293k
2021: €355k
2022: €305k
2023: €343k
2024: €509k
2018 → 2025
Net result
€12k▲ 188%
2024 · €4k
2018: €2k
2019: €13k
2020: €8k
2021: €4k
2022: €6k
2023: €22k
2024: €4k
2018 → 2025
Working capital
€210k▼ 7.6%
2024 · €228k
2018: €76k
2019: €85k
2020: €107k
2021: €105k
2022: €98k
2023: €86k
2024: €228k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€135k▲ 4.5%€157k▲ 16.2%€164k▲ 3.9%€175k▲ 7.1%
Operating result€24k-€34k▲ 41.9%€62k▲ 78.9%€36k▼ 41.3%€34k▼ 7.1%
Net result€4k-€6k▲ 57.4%€22k▲ 269%€4k▼ 81.4%€12k▲ 188%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €428k
Fixed assets
€75k▼ 20.1%
Current assets
€354k▼ 14.9%
Equity and liabilities €428k
Equity
€175k▲ 7.1%
Debt
€253k▼ 26.8%
The debt ratio falls from 67.9% to 59.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53k▼
2024 · €57k
Cash flow
€30k▲
2024 · €24k
Solvency
40.9%▲
2024 · 32.1%
Current ratio
2.47▲
2024 · 2.21
Quick ratio
2.47▲
2024 · 2.21
Debt / equity
1.45▼
2024 · 2.11
ROE
6.7%▲
2024 · 2.5%
ROA
2.7%▲
2024 · 0.8%
Interest coverage
4.42▲
2024 · 2.30
Debt
€253k▼
2024 · €346k
Debt ≤ 1 year
€143k▼
2024 · €188k
Debt > 1 year
€110k▼
2024 · €158k
Income taxes
€10k▲
2024 · €8k
Staff costs
€365k▲
2024 · €365k
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€509k€428k▼
Fixed assets21/28€94k€75k▼
Tangible fixed assets22/27€94k€75k▼
Land and buildings22€5k€5k▼
Plant, machinery and equipment23€53k€42k▼
Furniture and vehicles24€4k€3k▼
Other tangible fixed assets26€32k€26k▼
Current assets29/58€416k€354k▼
Amounts receivable within one year40/41€262k€262k=
Trade receivables40€251k€261k▲
Other amounts receivable41€11k€1k▼
Cash at bank and in hand54/58€13k€19k▲
Deferred charges and accrued income490/1€141k€73k▼
Equity and liabilities
Total equity and liabilities10/49€509k€428k▼
Equity10/15€164k€175k▲
Contributions10/11€19k€19k=
Reserves13€145k€157k▲
Distributable reserves133€145k€157k▲
Amounts payable17/49€346k€253k▼
Amounts payable after more than one year17€158k€110k▼
Financial debts170/4€158k€110k▼
Amounts payable within one year42/48€188k€143k▼
Current portion of amounts payable after more than one year42€49k€48k▼
Financial debts43-€5k
Other loans439-€5k
Trade debts44€6k€25k▲
Suppliers440/4€6k€25k▲
Taxes, remuneration and social security45€133k€66k▼
Taxes450/3€77k€45k▼
Remuneration and social security454/9€56k€21k▼
Income statement
Code20242025
Remuneration, social security and pensions62€365k€365k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€19k▼
Other operating charges640/8€551€4k▲
Gross operating margin9900€422k€422k▼
Operating profit (loss)9901€36k€34k▼
Financial income75/76B€205€0▼
Recurring financial income75€205€0▼
Financial charges65/66B€25k€12k▼
Recurring financial charges65€25k€12k▼
Profit (loss) for the period before taxes9903€12k€22k▲
Transfer from deferred taxes780€502-
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€4k€12k▲
Transfer from tax-exempt reserves789€3k-
Profit (loss) for the period to be appropriated9905€7k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€12k▲
Transfer from equity791/2€2k-
Transfer to equity691/2€9k€12k▲
To other reserves6921€9k€12k▲
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
10-09
State Gazette act
General meeting · Dissolution
Liquidation · Liquidation closure
02-09
State Gazette act
Incorporation · Founding capital
First fiscal year · Director appointment
20-08
State Gazette act
Incorporation · Founding capital
Corporate purpose · First fiscal year
04-08
State Gazette act
General meeting · Board meeting
Registered-office move · Dissolution
04-08
State Gazette act
Incorporation · Founder
Founding capital · First fiscal year
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 34 days late
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €22k ▲269%
Operating result €62k, net result €22k, both a record.
30-09
Financial
Equity above €150kEq €157k ▲16.2%
6 profitable years in a row build equity to €157k.
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 32 days late
2021
20-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
18-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
22-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Schoten · 1 establishment unit since 1991
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.
Reebokdreef 32900 SchotenGround area
7,371 m²
Building footprint
285 m²
Volume, LiDAR
1,689 m³
Parcel 11040A0110/00X008, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FIDUCTO
since 19912.055.218.479
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040A0110/00X008 | Flanders | 7,371 m² | 1 · 285 m² | 9.2 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 2025 · 7 entries · 7,989 EUR awarded · 7,987 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 2,366 EUR | 1,589 EUR |
| 2024 | 2 | 1,499 EUR | 1,554 EUR |
| 2023 | 1 | 631 EUR | 1,409 EUR |
| 2022 | 2 | 3,493 EUR | 3,435 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,639. 6,495 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-11-1991
Fiscal year end30-09
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.