FIDUMAR
ActiveSummary
FIDUMAR has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €726,727 and a net result of €53,759. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 48% of 12761 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▼-7
Solvency80▲+4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55,000 at 30 days acceptable
Liquidity ample (current ratio 6.66 against 7.48 in 2024; short-term debt: 7.7% and cash: 7.1% of total assets), and 44.9% of the assets are financed with debt.
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Signals
Four 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
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
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
55.1%
Return on assets
4.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
7 d early
2023
21 d late
2022
7 d late
2021
23 d late
2020
23 d late
2019
28 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 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 (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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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 What other support did companies like this one receive, and it did not?Subsidy mirror How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
€726,727▲ 1.9%
2024 · €712,996
Total assets
€1.3m▼ 5.2%
2024 · €1.4m
Net result
€53,759▼ 59.1%
2024 · €131,586
Working capital
€577,676▼ 17.5%
2024 · €700,167
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
Line20212022202320242025
Operating result€246,299▲ 22.2%€163,414▼ 33.7%€227,327▲ 39.1%€170,035▼ 25.2%€147,352▼ 13.3%
Net result€171,263▲ 25.1%€105,927▼ 38.1%€132,458▲ 25.0%€131,586▼ 0.7%€53,759▼ 59.1%
Equity€465,283▲ 34.2%€569,227▲ 22.3%€665,937▲ 17.0%€712,996▲ 7.1%€726,727▲ 1.9%
Total assets€913,991▲ 7.5%€1.1m▲ 19.3%€1.6m▲ 50.2%€1.4m▼ 15.0%€1.3m▼ 5.2%
Debt€448,708▼ 11.0%€521,014▲ 16.1%€971,482▲ 86.5%€678,870▼ 30.1%€592,847▼ 12.7%
Working capital€494,470▲ 19.2%€632,073▲ 27.8%€629,979▼ 0.3%€700,167▲ 11.1%€577,676▼ 17.5%
Staff (FTE)2▲ 17.6%1▼ 50.0%1=
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 13% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€639,840 ▲ 9.6%
Current assets
€679,734 ▼ 15.9%
Equity and liabilities €1.3m
Equity
€726,727 ▲ 1.9%
Debt
€592,847 ▼ 12.7%
Debt's share of the balance-sheet total falls from 48.8% to 44.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€195,810▼
2024 · €233,806
Cash flow
€102,218▼
2024 · €195,357
Current ratio
6.66▼
2024 · 7.48
Debt to equity
0.82▼
2024 · 0.95
ROE
7.4%▼
2024 · 18.5%
ROA
4.1%▼
2024 · 9.5%
Interest coverage
7.55▼
2024 · 8.07
Debt ≤ 1 year
€102,057▼
2024 · €108,117
Debt > 1 year
€475,476▼
2024 · €550,865
Income taxes
€78,489▲
2024 · €19,077
Staff costs
€0▼
2024 · €5,778
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €5,000 | €0 | - | €26,754 | - |
| Remuneration, social security and pensions62 | €108,493 | €47,382 | €24,151 | €5,778 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €32,918 | €45,721 | €32,448 | €63,771 | €48,458 | ▼ 24.0% |
| Other operating charges640/8 | €2,497 | €2,452 | €2,468 | €2,129 | €1,814 | ▼ 14.8% |
| Gross operating margin9900 | €390,207 | €258,968 | €286,393 | €241,713 | €197,624 | ▼ 18.2% |
| Operating profit (loss)9901 | €246,299 | €163,414 | €227,327 | €170,035 | €147,352 | ▼ 13.3% |
| Financial income75/76B | €1,712 | €4,390 | €9,034 | €9,608 | €10,832 | ▲ 12.7% |
| Recurring financial income75 | €1,712 | €4,390 | €9,034 | €9,608 | €10,832 | ▲ 12.7% |
| Financial charges65/66B | €15,657 | €17,328 | €16,699 | €28,980 | €25,936 | ▼ 10.5% |
| Recurring financial charges65 | €15,657 | €17,328 | €16,699 | €28,980 | €25,936 | ▼ 10.5% |
| Profit (loss) for the period before taxes9903 | €232,354 | €150,476 | €219,662 | €150,662 | €132,248 | ▼ 12.2% |
| Income taxes67/77 | €61,091 | €44,549 | €87,204 | €19,077 | €78,489 | ▲ 311% |
| Profit (loss) for the period9904 | €171,263 | €105,927 | €132,458 | €131,586 | €53,759 | ▼ 59.1% |
| Profit (loss) for the period to be appropriated9905 | €171,263 | €105,927 | €132,458 | €131,586 | €53,759 | ▼ 59.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €913,991 | €1.1m | €1.6m | €1.4m | €1.3m | ▼ 5.2% |
| Fixed assets21/28 | €239,706 | €221,731 | €647,353 | €583,582 | €639,840 | ▲ 9.6% |
| Tangible fixed assets22/27 | €239,706 | €221,731 | €647,353 | €583,582 | €507,934 | ▼ 13.0% |
| Land and buildings22 | €196,731 | €189,499 | €625,865 | €572,838 | €507,934 | ▼ 11.3% |
| Furniture and vehicles24 | €42,975 | €32,231 | €21,488 | €10,744 | €0 | ▼ 100% |
| Financial fixed assets28 | - | - | - | - | €131,906 | - |
| Current assets29/58 | €674,285 | €868,511 | €990,067 | €808,284 | €679,734 | ▼ 15.9% |
| Amounts receivable within one year40/41 | €346,714 | €410,161 | €697,670 | €389,684 | €581,203 | ▲ 49.1% |
| Trade receivables40 | €22,896 | €136,082 | €164,372 | €18,627 | €126,902 | ▲ 581% |
| Other amounts receivable41 | €323,818 | €274,079 | €533,299 | €371,057 | €454,301 | ▲ 22.4% |
| Current investments50/53 | - | - | - | €300,000 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €325,889 | €456,463 | €217,396 | €118,600 | €93,331 | ▼ 21.3% |
| Deferred charges and accrued income490/1 | €1,681 | €1,888 | €75,000 | €0 | €5,200 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €913,991 | €1.1m | €1.6m | €1.4m | €1.3m | ▼ 5.2% |
| Equity10/15 | €465,283 | €569,227 | €665,937 | €712,996 | €726,727 | ▲ 1.9% |
| Contributions10/11 | €60 | €60 | €60 | €60 | €60 | = |
| Reserves13 | €465,223 | €569,167 | €665,877 | €712,936 | €726,667 | ▲ 1.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €463,363 | €567,307 | €664,017 | €711,076 | €724,807 | ▲ 1.9% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €448,708 | €521,014 | €971,482 | €678,870 | €592,847 | ▼ 12.7% |
| Amounts payable after more than one year17 | €252,850 | €266,310 | €589,338 | €550,865 | €475,476 | ▼ 13.7% |
| Financial debts170/4 | €227,850 | €241,310 | €564,338 | €550,865 | €475,476 | ▼ 13.7% |
| Other amounts payable178/9 | €25,000 | €25,000 | €25,000 | €0 | - | - |
| Amounts payable within one year42/48 | €179,815 | €236,438 | €360,088 | €108,117 | €102,057 | ▼ 5.6% |
| Current portion of amounts payable after more than one year42 | €14,224 | €14,285 | €38,211 | €38,473 | €35,500 | ▼ 7.7% |
| Trade debts44 | €92,295 | €94,356 | €249,643 | €35,501 | €59,124 | ▲ 66.5% |
| Suppliers440/4 | €92,295 | €94,356 | €249,643 | €35,501 | €59,124 | ▲ 66.5% |
| Taxes, remuneration and social security45 | €27,108 | €77,104 | €35,058 | €20,583 | €3,010 | ▼ 85.4% |
| Taxes450/3 | €6,929 | €31,188 | €34,331 | €16,934 | €0 | ▼ 100% |
| Remuneration and social security454/9 | €20,178 | €45,917 | €727 | €3,649 | €3,010 | ▼ 17.5% |
| Other amounts payable47/48 | €46,188 | €50,693 | €37,176 | €13,561 | €4,423 | ▼ 67.4% |
| Accrued charges and deferred income492/3 | €16,043 | €18,266 | €22,057 | €19,888 | €15,314 | ▼ 23.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €171,263 | €105,927 | €132,458 | €131,586 | €53,759 | ▼ 59.1% |
| + Depreciation and write-downs630 | €32,918 | €45,721 | €32,448 | €63,771 | €48,458 | ▼ 24.0% |
| Operating cash flow (approximation) | €204,181 | €151,647 | €164,905 | €195,357 | €102,218 | ▼ 47.7% |
| Investment in fixed assets (approximation) | - | -€27,745 | -€458,070 | €0 | -€104,717 | - |
| Change in cash | - | €130,573 | -€239,066 | -€98,796 | -€25,269 | ▲ 74.4% |
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 7.48
Current ratio from 2.75 to 7.48; short-term debt falls from €360,088 to €108,117.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
31-12
Financial
Equity above €500,000Eq €569,227 ▲22.3%
5 profitable years in a row build equity to €569,227.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Highest result since 2018net €171,263 ▲25.1%
Operating result €246,299, net result €171,263, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €43,200 ▼27.7%
Net result drops to €43,200, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
Show earlier events
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
2014
10-03
State Gazette act
Purpose change · Capital increase
Capital · Auditor report
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Roeselare · 1 establishment unit since 2006
Ground area
3,155 m²
Building footprint
233 m²
Volume, LiDAR
1,289 m³
Parcel 36302B1255/00N000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
Fidumar
since 20062.263.963.865
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36302B1255/00N000 | Flanders | 3,155 m² | 1 · 233 m² | 9.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 946 EUR awarded · 946 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 353 EUR | 353 EUR |
| 2023 | 1 | 0 EUR | 368 EUR |
| 2022 | 1 | 593 EUR | 225 EUR |
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Of 12,174 companies in sector 69201 we hold annual accounts for 7,638. 4,987 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
Founded13-03-2006
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Scores and ratios are computed by Checked and are not a credit decision.