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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphFraternitas is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 1892 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Based on State Gazette and CBE data.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 11-06-2026 | 50 d early | 2026-00157785 |
| 31-12-2024 | 31-07-2025 | 24-06-2025 | 37 d early | 2025-00182522 |
| 31-12-2023 | 31-07-2024 | 11-06-2024 | 50 d early | 2024-00127326 |
| 31-12-2022 | 31-07-2023 | 07-08-2023 | 7 d late | 2023-00326066 |
| 31-12-2021 | 31-07-2022 | 08-06-2022 | 53 d early | 2022-20064608 |
| 31-12-2020 | 31-07-2021 | 28-06-2021 | 33 d early | 2021-25500048 |
| 31-12-2019 | 31-07-2020 | 26-10-2020 | 87 d late | 2020-63100276 |
| 31-12-2018 | 31-07-2019 | 22-05-2019 | 70 d early | 2019-14000399 |
| 31-12-2017 | 31-07-2018 | 30-05-2018 | 62 d early | 2018-14700529 |
| 31-12-2016 | 31-07-2017 | 31-08-2017 | 31 d late | 2017-59800086 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsLong-established
Founded in 1892, 133 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Annual accounts & ratios
Source: NBBFinancials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2025 (micro). The annual accounts are being processed.
Filings on record
| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro | 11-06-2026 | 2026-00157785 |
| 31-12-2024 | micro | 24-06-2025 | 2025-00182522 |
| 31-12-2023 | micro | 11-06-2024 | 2024-00127326 |
| 31-12-2022 | micro | 07-08-2023 | 2023-00326066 |
| 31-12-2021 | micro | 08-06-2022 | 2022-20064608 |
| 31-12-2020 | micro | 28-06-2021 | 2021-25500048 |
| 31-12-2019 | micro | 26-10-2020 | 2020-63100276 |
| 31-12-2018 | micro | 22-05-2019 | 2019-14000399 |
| 31-12-2017 | verkort | 30-05-2018 | 2018-14700529 |
| 31-12-2016 | verkort | 31-08-2017 | 2017-59800086 |
Directors
Directors & mandates
under verificationDirectors derived from a single State Gazette act, under verification
All 3 current directors first appear in the same act (24441483). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
-
DEWIL ReginaldDirectorState Gazette act 24441483 (05-11-2024)Current05-11-2024 → present
3 events
- 05-11-2024 Resigned· Director
- 05-11-2024 Appointed· Director
- 08-07-2024 Appointed· Niet statutaire bestuurder
-
HENDRICKX RobertDirectorState Gazette act 24441483 (05-11-2024)Current05-11-2024 → present
3 events
- 05-11-2024 Resigned· Director
- 05-11-2024 Appointed· Director
- 29-03-2021 Appointed· Director
-
PERILLEUX JacquesDirectorState Gazette act 24441483 (05-11-2024)Current05-11-2024 → present
3 events
- 05-11-2024 Resigned· Director
- 05-11-2024 Appointed· Director
- 29-03-2021 Appointed· Director
Former directors (2)
-
Janssen GerardDirectorState Gazette act 21038942 (29-03-2021)Former29-03-2021 → 05-11-2024
2 events
- 05-11-2024 Resigned· Director
- 29-03-2021 Appointed· Director
-
Ponsaerts AlphonseDirectorState Gazette act 21038942 (29-03-2021)Former- → 29-03-2021
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Verstrekken van hypothecair krediet(64922) |
| Legal form | Public limited company(014) |
| Incorporation | 06-10-1892 |
| Status | Active |
| Postal code | 3300 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationGrote Markt 2, 3300 Tienen
since 19922.006.315.138
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area348 m²
Buildings1
Building footprint170 m²
Volume (LiDAR)1,851 m³
Tallest building17.3 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24593G0292/00C000 | Flanders | 348 m² | 1 · 170 m² | 17.3 m · 4 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
13 acts Capital history · 1
17-06-2003
v3.2
All acts · 13
updated 1 year ago
2025
28-03-2025 Change in the board of directors
Summary:
v3.2
2024
05-11-2024 Articles of association amended
Summary:
v3.2
18-09-2024 Publication in the Belgian Official Gazette, Miscellaneous
Summary:
otherNotary:
Hendrickx Robert · Tienen
08-07-2024 Reginald Dewil appointed as niet statutaire bestuurder
09-04-2024 Publication in the Belgian Official Gazette, Miscellaneous
Summary:
otherNotary:
R. HENDRICKX · Tienen
2023
31-03-2023 Publication in the Belgian Official Gazette, Miscellaneous
Summary:
otherNotary:
G. JANSSEN · Tienen
2022
04-04-2022 Publication in the Belgian Official Gazette, Miscellaneous
Summary:
otherNotary:
Frans VAN DEN BROECK · Tienen
2021
29-03-2021 3 directors appointed, 1 resigning
- Janssen Gerard, Bestuurder
- Perilleux Jacques, Bestuurder
- Hendrickx Robert, Bestuurder
- Ponsaerts Alphonse, Bestuurder
Summary:
v3.2
25-03-2021 Publication in the Belgian Official Gazette, Minor change
Summary:
Agm rescheduling
2020
31-08-2020 Change in the board of directors
Summary:
v3.2
2019
04-06-2019 Articles of association amended
Summary:
v3.2
03-04-2019 Publication in the Belgian Official Gazette, Minor change
Summary:
Agm reschedulingNotary:
Ondamemingsrachtbank · Leuven
2003
17-06-2003 Capital increase of €31,026.62 to €93,000
Analysis
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Company registry
Company registry (CBE)
Crossroads BankActivities
Verstrekken van hypothecair krediet64922Verstrekken van hypothecair krediet64922Overige kredietverstrekking65222
Primary activity highlighted.
Names & trade names
| Legal nameNL | Fraternitas |
Registered office
Grote Markt 2
3300 Tienen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.