Equity
€173,056 ▲ 4.5%
Fidulife - CFG has made a profit without a break since 2023.
Fidulife - CFG
Lifetime
20 annual accounts with figures on one time axis, 24 filings since 2002peak €640,792 (2025)
€640,792▲ 41.0%
lowest -€100,045 (2020)
€7,438▼ 52.2%
peak €238,072 (2019)
€173,056▲ 4.5%
€325,215▼ 13.4%
peak 7.8 FTE (2022)
5.5 FTE▼ 5.2%
Board9 names since 2019
4 directorsASSOCIATION DES PHARMACIENS DE NAMUR ET DE LUXEMBOURG UP and 3 others
Owners
Documentsfilings and deeds
30-06-202631 days before the deadline
2025abbreviated format
Gross margin from €454,545 to €640,792Result from €15,566 to €7,438
Key points
from the 2025 annual accountsTurnover
≈ €1.1m estimated
The accounts state no turnover.
Staff
5.5 FTE from 7.8 in 2022
Between 2022 and 2025, 29% of the full-time equivalents disappeared.
Filings
24 annual accounts since 2002
Four of the last ten came late. The 2019 accounts came latest: 54 days after the end of the period.
Board
2 joined · 1 left
Board changed. Latest change 04-08-2026 · 4 in office.
Position in the sector
€7,438
Lower net result than 83% of companies in legal and accounting. Sector median €95,106 · 4,118 companies.
Checked score
92
Excellent
Financially stronger than 38% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,103 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.2%▲ +0.1 percentage points vs 07-2025highest value
09-2025: < 0.1%▼ -0.2 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: 0.1%▲ +0.1 percentage points vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: < 0.1%▼ -0.1 percentage points vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Size: 5.5 FTE, total assets €498,271
lowers risk
Sector: Legal and accounting activities (NACE 69)
Liquidity: current ratio 1.49, cash €309,520
Founded in 2001
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 34% of them on solvency, 53% on liquidity, 20% on profitability and 47% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,041 companies had the same profile as Fidulife - CFG has now. Each dot stands for 43 companies, two years later.
94.4%
were still trading
4.9%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Fidulife - CFG itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for Fidulife - CFG. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €15,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.49 (1.79 in 2024), below the usual 1.5. Short-term debt is 65.3% and cash 62.1% of total assets. 65.3% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €173,056
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 days early
2024
7 days late
2023
8 days early
2022
48 days early
2021
41 days early
2020
22 days early
2019
54 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 13 days before the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
DS
Degraux Sébastien
Director, since 24-10-2019
ES
EXSAFISC SRL
Director, Sandro Mastrogiovanni
- CFG Services ScPRL consolidatesannual accounts 2010
Shares in 1 company, C.F.G. SERVICES
Board & ownershipRecent changes
2 directors appointed, 1 resignation
Appointments: FISCABREX SRL and EXSAFISC SRL · Resignation: François Brennet · Permanent representative: François Brennet · General meeting of 26-05-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0475235464
2 directors appointed, 2 resignations
Resignations: Marie-Françoise Barbay and Yannick Biot · Permanent representatives: Marie-Françoise Barbay and Carl Moens · Appointments: APNL and François Brennet · General meeting of 16-02-2023 · Gazette deed
Merger: Fidulife - CFG takes over C.F.G. SERVICES
Company renamed from FIDULIFE to Fidulife - CFG · Resignation: SYNCHRONICITES (manager) · Permanent representative: Yannick André Constant Jean-Claude Ghislain BIOT · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Fidulife - CFG Namur | €498,271 | €640,792 | 34.7% | 5.5 |
| BELGIUM CONSULTING MANAGEMENT Namur | €656,454 | €529,498 | 21.4% | 4.4 |
| INTEGRATED ACCOUNTANCY LICHTAART Kasterlee | €544,451 | €505,390 | 16.0% | 5.4 |
| ESPERTO Kortrijk Kortrijk | €620,321 | €562,372 | 23.2% | 5 |
| FISCO GEST CENTER Chiny | €620,026 | €554,820 | 29.9% | 5.1 |
| A & Co Accountants Hasselt | €419,950 | €492,722 | 43.0% | 5.6 |
| ANDRE MARBAIX & CO La Louvière | €652,823 | €519,704 | 61.2% | 5.5 |
These companies have the same main activity as Fidulife - CFG: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €420,000 and €656,000, founded between 1998 and 2001.
Official details
Source: KBO- Status
- Active since 09-07-2001Normal situation
- Activity
- Certified accountants and tax accountantsNACE 69201and 1 other
- Joint committee
- 336Liberal professions · annual accounts 2025
- Establishment unit
- 2.228.932.6135000 Namur, since 01-01-2002
- Financial year end
- 31 December
- Peppol
- Reachable since 05-09-2025
Annual accounts 2025
- €498,271▼ 7.9%
- Employeeson 31-12-2025
- 10▲ 42.9%
- Filing
- Filed on 30-06-2026, 31 days before the end of the filing period
Insights on Fidulife - CFG
Fidulife - CFG files the abbreviated format. That format states no turnover. The gross margin rose from €293,111 in 2006 to €640,792 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Fidulife - CFG
- What is the company number of Fidulife - CFG?
- The company number of Fidulife - CFG is 0475.235.464. The VAT number is the same number with BE in front: BE 0475.235.464.
- Where is Fidulife - CFG based?
- The registered office is at Rue des Dames Blanches 1, 5000 Namur.Company details
- What does Fidulife - CFG do?
- According to the KBO register, the main activity is certified accountants and tax accountants (NACE 69201).
- What is the legal form of Fidulife - CFG?
- Fidulife - CFG is a private limited company (BV).
- When was Fidulife - CFG founded?
- Fidulife - CFG was founded on 09-07-2001.
- Is Fidulife - CFG still active?
- Yes, Fidulife - CFG is an active enterprise in the KBO register.
- How many employees does Fidulife - CFG have?
- Fidulife - CFG had an average of 5.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Fidulife - CFG fall under?
- In its 2025 annual accounts, Fidulife - CFG states joint committee 336 (Liberal professions).
- What is the turnover of Fidulife - CFG?
- The turnover in financial year 2025 is ≈ €1.1m. This figure is estimated from the gross margin of €640,792 and 34 comparable companies (NACE 69201). It probably lies between €960,000 and €1.3m.
- Is Fidulife - CFG profitable?
- In financial year 2025, Fidulife - CFG made a profit of €7,438.
- Where can I find the annual accounts of Fidulife - CFG?
- Fidulife - CFG filed 24 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Fidulife - CFG due?
- Fidulife - CFG must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.