FIDUDEL
ActiveSummary
FIDUDEL has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €194,552 and a net result of €25,902. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 84% of 1740 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability82▲+8
Solvency100=
Growth73=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16,000 at 30 days acceptable
Liquidity ample (current ratio 4.47 against 5.47 in 2023; short-term debt: 22.3% and cash: 20.7% of total assets), and 22.3% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Four 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 →
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 10-10-2025, 71 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
71 d late
2023
68 d late
2022
70 d late
2021
77 d late
2020
88 d late
2019
107 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 80 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
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, full schema
Turnover
€110,920▲ 3.8%
2019 · €106,810
EBIT margin
12.3%▼ 6.8pp
2019 · 19.1%
Net result
€25,902▲ 222%
2023 · €8,050
Working capital
€194,311▲ 15.7%
2023 · €167,907
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
Line20202021202220232024
Turnover€110,920▲ 3.8%
Operating result€13,651▼ 33.2%€18,153▲ 33.0%€29,066▲ 60.1%€12,451▼ 57.2%€36,510▲ 193%
Net result€7,502▼ 49.2%€13,253▲ 76.7%€22,536▲ 70.0%€8,050▼ 64.3%€25,902▲ 222%
EBIT margin12.3%▼ 6.8pp
Equity€124,811▲ 6.4%€138,064▲ 10.6%€160,600▲ 16.3%€168,650▲ 5.0%€194,552▲ 15.4%
Total assets€180,554▲ 21.8%€173,436▼ 3.9%€204,051▲ 17.7%€206,189▲ 1.0%€250,541▲ 21.5%
Debt€55,743▲ 80.6%€35,372▼ 36.5%€43,451▲ 22.8%€37,539▼ 13.6%€55,989▲ 49.1%
Working capital€124,811▲ 6.4%€136,317▲ 9.2%€159,355▲ 16.9%€167,907▲ 5.4%€194,311▲ 15.7%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 193% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €250,541
Fixed assets
€241 ▼ 67.6%
Current assets
€250,300 ▲ 21.8%
Equity and liabilities €250,541
Equity
€194,552 ▲ 15.4%
Debt
€55,989 ▲ 49.1%
Debt's share of the balance-sheet total rises from 18.2% to 22.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€37,012▲
2023 · €12,953
Cash flow
€26,404▲
2023 · €8,552
Current ratio
4.47▼
2023 · 5.47
Debt to equity
0.29▲
2023 · 0.22
ROE
13.3%▲
2023 · 4.8%
ROA
10.3%▲
2023 · 3.9%
Interest coverage
142.35▲
2023 · 40.86
Debt ≤ 1 year
€55,989▲
2023 · €37,539
Income taxes
€10,348▲
2023 · €2,585
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 34,672 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €110,920 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €460 | €502 | €502 | €502 | = |
| Other operating charges640/8 | - | €5,792 | €2,112 | €2,331 | €2,240 | ▼ 3.9% |
| Non-recurring operating charges66A | - | - | - | - | €126 | - |
| Gross operating margin9900 | €15,229 | €24,405 | €31,680 | €15,284 | €39,378 | ▲ 158% |
| Operating profit (loss)9901 | €13,651 | €18,153 | €29,066 | €12,451 | €36,510 | ▲ 193% |
| Financial income75/76B | - | €307 | €29 | - | - | - |
| Recurring financial income75 | - | €307 | €29 | - | - | - |
| Financial charges65/66B | - | €1,138 | €142 | €1,816 | €260 | ▼ 85.7% |
| Recurring financial charges65 | €484 | €197 | €142 | €317 | €260 | ▼ 18.0% |
| Non-recurring financial charges66B | - | €941 | €142 | €1,499 | - | - |
| Profit (loss) for the period before taxes9903 | €10,559 | €17,322 | €28,953 | €10,635 | €36,250 | ▲ 241% |
| Income taxes67/77 | €3,057 | €4,069 | €6,417 | €2,585 | €10,348 | ▲ 300% |
| Profit (loss) for the period9904 | €7,502 | €13,253 | €22,536 | €8,050 | €25,902 | ▲ 222% |
| Profit (loss) for the period to be appropriated9905 | €7,502 | €13,253 | €22,536 | €8,050 | €25,902 | ▲ 222% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €180,554 | €173,436 | €204,051 | €206,189 | €250,541 | ▲ 21.5% |
| Fixed assets21/28 | - | €1,747 | €1,245 | €743 | €241 | ▼ 67.6% |
| Tangible fixed assets22/27 | - | €1,747 | €1,245 | €743 | €241 | ▼ 67.6% |
| Furniture and vehicles24 | - | €1,747 | €1,245 | €743 | €241 | ▼ 67.6% |
| Current assets29/58 | €180,554 | €171,689 | €202,806 | €205,446 | €250,300 | ▲ 21.8% |
| Amounts receivable within one year40/41 | €124,284 | €127,788 | €167,637 | €177,820 | €195,311 | ▲ 9.8% |
| Trade receivables40 | - | €326 | €15,581 | €881 | €1,146 | ▲ 30.1% |
| Other amounts receivable41 | - | €127,462 | €152,056 | €176,939 | €194,165 | ▲ 9.7% |
| Cash at bank and in hand54/58 | €56,270 | €41,565 | €32,355 | €24,692 | €51,976 | ▲ 110% |
| Deferred charges and accrued income490/1 | - | €2,336 | €2,814 | €2,934 | €3,013 | ▲ 2.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €180,554 | €173,436 | €204,051 | €206,189 | €250,541 | ▲ 21.5% |
| Equity10/15 | €124,811 | €138,064 | €160,600 | €168,650 | €194,552 | ▲ 15.4% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Issued capital100 | - | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Uncalled capital101 | - | €12,350 | €12,350 | €12,350 | €12,350 | = |
| Reserves13 | €1,855 | €1,855 | €1,855 | €1,855 | €1,855 | = |
| Non-distributable reserves130/1 | - | €1,855 | €1,855 | €1,855 | €1,855 | = |
| Legal reserve130 | - | €1,855 | €1,855 | €1,855 | €1,855 | = |
| Profit (loss) carried forward14 | €116,756 | €130,009 | €152,545 | €160,595 | €186,497 | ▲ 16.1% |
| Amounts payable17/49 | €55,743 | €35,372 | €43,451 | €37,539 | €55,989 | ▲ 49.1% |
| Amounts payable within one year42/48 | €55,743 | €35,372 | €43,451 | €37,539 | €55,989 | ▲ 49.1% |
| Trade debts44 | €20,455 | €9,101 | €5,660 | €4,822 | €1,205 | ▼ 75.0% |
| Suppliers440/4 | - | €9,101 | €5,660 | €4,822 | €1,205 | ▼ 75.0% |
| Taxes, remuneration and social security45 | - | €26,271 | €37,791 | €32,717 | €54,784 | ▲ 67.4% |
| Taxes450/3 | - | €26,271 | €33,791 | €32,717 | €54,784 | ▲ 67.4% |
| Remuneration and social security454/9 | - | - | €4,000 | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,502 | €13,253 | €22,536 | €8,050 | €25,902 | ▲ 222% |
| + Depreciation and write-downs630 | - | €460 | €502 | €502 | €502 | = |
| Operating cash flow (approximation) | €7,502 | €13,713 | €23,038 | €8,552 | €26,404 | ▲ 209% |
| Investment in fixed assets (approximation) | - | - | €0 | €0 | €0 | - |
| Change in cash | - | -€14,705 | -€9,210 | -€7,663 | €27,284 | ▲ 456% |
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
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 71 days late
2024
31-12
Financial
Highest result since 2018net €25,902 ▲222%
Operating result €36,510, net result €25,902, both a record.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 68 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 70 days late
2022
31-12
Financial
Equity above €150,000Eq €160,600 ▲16.3%
5 profitable years in a row build equity to €160,600.
16-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 77 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 88 days late
2020
15-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 107 days late
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 70 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 58 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
2016
03-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 64 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
5 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, Grez-Doiceau · 1 establishment unit since 2008
Ground area
379 m²
Building footprint
91 m²
Volume, LiDAR
703 m³
Parcel 25001C0007/00H000, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Motte 46, 1390 Grez-Doiceau
since 20082.174.597.072
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25001C0007/00H000 | Wallonia | 379 m² | 1 · 91 m² | 9.2 m · 3 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.
Similar companies · same sector, comparable size
BRUYNFICO
BE 0467.281.266
Ukkel · Eq €194,600
TIMOTHY KEMEL
BE 0895.899.918
Knokke-Heist · Eq €194,502
VAN DE VELDE ACCOUNTANCY
BE 0693.689.758
Lochristi · Eq €194,645
Fiduciaire SORECO
BE 1009.157.118
Chaudfontaine · Eq €194,647
FIDUCIAIRE VBMG
BE 0508.679.678
Crisnée · Eq €194,688
Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 6,393 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
Founded19-11-2008
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0807853216
Registered
19-12-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.